Premier Financial Corp. (PFC)

Premier Financial Statistics

Total Valuation

PFC has a market cap or net worth of $888.86 million. The enterprise value is $1.25 billion.

Market Cap	888.86M
Enterprise Value	1.25B

Important Dates

The next estimated earnings date is Tuesday, January 21, 2025, after market close.

Earnings Date	Jan 21, 2025
Ex-Dividend Date	Nov 8, 2024

Share Statistics

PFC has 35.84 million shares outstanding. The number of shares has increased by 0.04% in one year.

Current Share Class	35.84M
Shares Outstanding	35.84M
Shares Change (YoY)	+0.04%
Shares Change (QoQ)	-0.16%
Owned by Insiders (%)	2.30%
Owned by Institutions (%)	68.18%
Float	35.02M

Valuation Ratios

The trailing PE ratio is 12.59 and the forward PE ratio is 11.61.

PE Ratio	12.59
Forward PE	11.61
PS Ratio	3.60
Forward PS	4.16
PB Ratio	0.87
P/TBV Ratio	1.24
P/FCF Ratio	9.60
P/OCF Ratio	9.17
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	17.70
EV / Sales	5.07
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	13.46

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	5.24
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 7.29%.

Return on Equity (ROE)	7.29%
Return on Assets (ROA)	0.82%
Return on Capital (ROIC)	n/a
Revenue Per Employee	$240,329
Profits Per Employee	$68,809
Employee Count	1,023
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, PFC has paid $17.61 million in taxes.

Income Tax	17.61M
Effective Tax Rate	19.94%

Stock Price Statistics

The stock price has increased by +9.64% in the last 52 weeks. The beta is 1.27, so PFC's price volatility has been higher than the market average.

Beta (5Y)	1.27
52-Week Price Change	+9.64%
50-Day Moving Average	26.86
200-Day Moving Average	23.29
Relative Strength Index (RSI)	39.22
Average Volume (20 Days)	178,566

Short Selling Information

The latest short interest is 552,779, so 1.54% of the outstanding shares have been sold short.

Short Interest	552,779
Short Previous Month	496,100
Short % of Shares Out	1.54%
Short % of Float	1.58%
Short Ratio (days to cover)	3.59

Income Statement

In the last 12 months, PFC had revenue of $245.86 million and earned $70.39 million in profits. Earnings per share was $1.97.

Revenue	245.86M
Gross Profit	245.86M
Operating Income	99.51M
Pretax Income	97.42M
Net Income	70.39M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$1.97

Balance Sheet

The company has $128.28 million in cash and $485.16 million in debt, giving a net cash position of -$356.88 million or -$9.96 per share.

Cash & Cash Equivalents	128.28M
Total Debt	485.16M
Net Cash	-356.88M
Net Cash Per Share	-$9.96
Equity (Book Value)	1.02B
Book Value Per Share	28.43
Working Capital	-7.25B

Cash Flow

In the last 12 months, operating cash flow was $96.98 million and capital expenditures -$4.41 million, giving a free cash flow of $92.57 million.

Operating Cash Flow	96.98M
Capital Expenditures	-4.41M
Free Cash Flow	92.57M
FCF Per Share	$2.58

Margins

Gross Margin	n/a
Operating Margin	40.47%
Pretax Margin	35.92%
Profit Margin	28.76%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	37.65%

Dividends & Yields

This stock pays an annual dividend of $1.24, which amounts to a dividend yield of 5.00%.

Dividend Per Share	$1.24
Dividend Yield	5.00%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	62.93%
Buyback Yield	-0.04%
Shareholder Yield	4.96%
Earnings Yield	7.92%
FCF Yield	10.41%

Analyst Forecast

The average price target for PFC is $23.33, which is -5.93% lower than the current price. The consensus rating is "Hold".

Price Target	$23.33
Price Target Difference	-5.93%
Analyst Consensus	Hold
Analyst Count	5
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Stock Splits

The last stock split was on July 13, 2018. It was a forward split with a ratio of 2:1.

Last Split Date	Jul 13, 2018
Split Type	Forward
Split Ratio	2:1

Scores

Altman Z-Score	n/a
Piotroski F-Score	4