Premier Financial Corp. (PFC)

NASDAQ: PFC · IEX Real-Time Price · USD
25.45
+0.10 (0.39%)
Jul 1, 2022 12:32 PM EDT - Market open

Total Valuation

PFC has a market cap or net worth of $904.45 million. The enterprise value is $1.01 billion.

Market Cap 904.45M
Enterprise Value 1.01B

Important Dates

The next earnings date is Thursday, August 4, 2022, after market close.

Estimated Earnings Date Aug 4, 2022
Ex-Dividend Date May 5, 2022

Share Statistics

PFC has 35.54 million shares outstanding. The number of shares has decreased by -2.25% in one year.

Shares Outstanding 35.54M
Shares Change (YoY) -2.25%
Shares Change (QoQ) -1.47%
Owned by Insiders (%) 1.80%
Owned by Institutions (%) 70.11%
Float 34.91M

Valuation Ratios

PE Ratio 8.43
Forward PE 8.52
PS Ratio 3.03
PB Ratio 0.96
P/FCF Ratio 5.34
PEG Ratio n/a
Financial Ratio History

Enterprise Valuation

The stock's EV/EBITDA ratio is 6.70, with a EV/FCF ratio of 5.94.

EV / Earnings 9.03
EV / Sales 3.37
EV / EBITDA 6.70
EV / EBIT 7.29
EV / FCF 5.94

Financial Position

The company has a current ratio of n/a, with a Debt / Equity ratio of 0.27.

Current Ratio n/a
Quick Ratio n/a
Debt / Equity 0.27
Debt / EBITDA 1.70
Debt / FCF 1.51

Financial Efficiency

Return on equity (ROE) is 11.10%, which is not very high. The company has a high ROIC of 1.90%.

Return on Equity (ROE) 11.10%
Return on Assets (ROA) 1.50%
Return on Capital (ROIC) 1.90%
Revenue Per Employee $279,456
Profits Per Employee $104,318
Employee Count 1,068
Asset Turnover 0.04
Inventory Turnover n/a

Taxes

In the past 12 months, PFC has paid $26.59 million in taxes.

Income Tax 26.59M
Effective Tax Rate 19.27%

Stock Price Statistics

The stock price has decreased by -11.14% in the last 52 weeks. The beta is 1.31, so PFC's price volatility has been higher than the market average.

Beta (1Y) 1.31
52-Week Price Change -11.14%
50-Day Moving Average 26.18
200-Day Moving Average 28.75
Average Volume (30 Days) 130,768

Short Selling Information

The latest short interest is 928,469, so 2.61% of the outstanding shares have been sold short.

Short Interest 928,469
Short % of Shares Out 2.61%
Short % of Float 2.66%
Short Ratio (days to cover) 8.15

Income Statement

In the last 12 months, PFC had revenue of $298.46 million and earned 111.41 million in profits. Earnings per share was $3.02.

Revenue 298.46M
Gross Profit 298.46M
Operating Income 138.00M
Pretax Income 138.00M
Net Income 111.41M
EBITDA 150.15M
EBIT 138.00M
Earnings Per Share (EPS) $3.02
Full Income Statement

Balance Sheet

The company has $153.77 million in cash and $255.34 million in debt, giving a net cash position of -$101.57 million or -$2.86 per share.

Cash & Cash Equivalents 153.77M
Total Debt 255.34M
Net Cash -101.57M
Net Cash Per Share -$2.86
Book Value 943.30M
Book Value Per Share 26.54
Working Capital n/a
Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was $172.83 million and capital expenditures -$3.52 million, giving a free cash flow of $169.31 million.

Operating Cash Flow 172.83M
Capital Expenditures -3.52M
Free Cash Flow 169.31M
FCF Per Share $4.76
Full Cash Flow Statement

Margins

Gross margin is 100.00%, with operating and profit margins of 46.24% and 37.33%.

Gross Margin 100.00%
Operating Margin 46.24%
Pretax Margin 46.24%
Profit Margin 37.33%
EBITDA Margin 50.31%
EBIT Margin 46.24%
FCF Margin 56.73%

Dividends & Yields

This stock pays an annual dividend of $1.15, which amounts to a dividend yield of 4.52%.

Dividend Per Share $1.15
Dividend Yield 4.52%
Earnings Yield 12.32%
FCF Yield 18.72%
Dividend Growth (YoY) 25.00%
Payout Ratio 36.80%
Buyback Yield n/a
Shareholder Yield 4.52%
Dividend Details

Analyst Forecast

The average price target for PFC is $34.94, which is 37.29% higher than the current price. The consensus rating is "Buy".

Price Target $34.94
Price Target Difference 37.29%
Analyst Consensus Buy
Analyst Count 8
Stock Forecasts

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