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Premier Financial Corp

Financial Services US PFC

NoneUSD
0.00(0%)

Last update at 2025-03-28T19:04:40.664321Z

Day Range

--
LowHigh

52 Week Range

12.9124.10
LowHigh

Fundamentals

  • Previous Close -
  • Market Cap709.10M
  • VolumeNone
  • P/E Ratio6.51
  • Dividend Yield6.14%
  • Revenue TTM299.37M
  • Revenue Per Share TTM8.38
  • Gross Profit TTM 288.77M
  • Diluted EPS TTM3.04

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Analyst Recommendations

Financials

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Income before tax 126.28M 156.42M 79.27M 60.64M 56.88M
Minority interest - - - - -
Net income 102.19M 126.05M 63.08M 49.37M 46.25M
Selling general administrative 101.04M 107.09M 95.45M 65.71M 62.14M
Selling and marketing expenses 2.16M 1.94M 1.94M 2.26M 2.41M
Gross profit 305.08M 307.33M 288.69M 160.60M 147.08M
Reconciled depreciation 5.45M 6.21M 28.42M 7.16M 6.34M
Ebit 161.07M 156.42M 79.27M 60.64M 78.37M
Ebitda 166.52M 162.63M 85.72M 61.76M 79.68M
Depreciation and amortization 5.45M 6.21M 6.45M 1.12M 1.31M
Non operating income net other - - - - -
Operating income 161.07M 156.42M 79.27M 60.64M 73.34M
Other operating expenses 144.01M 150.90M 209.42M 99.97M 73.75M
Interest expense 34.79M 16.22M 29.94M 25.43M 16.46M
Tax provision 24.10M 30.37M 16.19M 11.27M 10.63M
Interest income 276.49M 243.35M 236.99M 140.43M 123.80M
Net interest income 241.70M 227.14M 207.05M 115.00M 107.34M
Extraordinary items - - - - -
Non recurring - - - - -
Other items - - - - -
Income tax expense 24.10M 30.37M 16.19M 11.27M 10.63M
Total revenue 305.08M 307.33M 288.69M 160.60M 147.46M
Total operating expenses -144.00700M -150.90300M -209.42000M -99.96800M -73.74700M
Cost of revenue - - - - 0.38M
Total other income expense net -34.79100M -16.21800M -29.94100M -25.43500M -16.46200M
Discontinued operations - - - - -
Net income from continuing ops 102.19M 126.05M 63.08M 49.37M 46.25M
Net income applicable to common shares 102.19M 126.05M 63.08M 49.33M 46.23M
Preferred stock and other adjustments - - - - -
Breakdown 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31
Type yearly yearly yearly yearly yearly
Date 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31
Total assets 8625.95M 8455.34M 7481.40M 7211.73M 3468.99M
Intangible assets 30.88M 40.24M 43.67M 43.49M 14.04M
Earning assets - - - - 398.37M
Other current assets 148.44M 143.96M 4455.23M 5212.21M 2691.93M
Total liab 7650.32M 7567.62M 84.98M 84.86M 125.47M
Total stockholder equity 975.63M 887.72M 1023.50M 982.28M 426.17M
Deferred long term liab - - - - 0.91M
Other current liab 1591.98M 6906.72M 24.72M 6047.84M 3006.74M
Common stock 0.31M 0.31M 0.31M 0.31M 0.13M
Capital stock 0.31M 0.31M 0.31M 0.31M 0.13M
Retained earnings 569.94M 502.91M 443.52M 356.41M 329.93M
Other liab - 51.37M 66.16M 75.01M 32.16M
Good will 295.60M 317.99M 317.95M 317.95M 100.07M
Other assets - 5796.70M 4455.23M 5132.53M 2606.93M
Cash 114.76M 128.16M 161.57M 159.27M 131.25M
Cash and equivalents - - - - -
Total current liabilities 1874.61M 7334.72M 6306.77M 6047.84M 3006.74M
Current deferred revenue - - - - -
Net debt 264.40M 384.94M -76.59000M -74.40600M -7.10900M
Short term debt 282.63M 428.00M - 60.39M 85.06M
Short long term debt - - - - -
Short long term debt total 379.15M 513.10M 84.98M 84.86M 124.14M
Other stockholder equity 559.10M 557.97M 583.10M 610.55M 91.51M
Property plant equipment - 55.54M 55.60M 58.66M 48.46M
Total current assets 148.44M 1196.95M 1388.59M 921.35M 424.95M
Long term investments 952.48M 1047.91M 1220.36M 5656.21M 283.45M
Net tangible assets - 569.73M 681.42M 664.33M 322.33M
Short term investments 946.71M 1040.08M 1206.26M 736.65M 283.45M
Net receivables 33.45M 28.71M 20.77M 25.43M 10.24M
Long term debt 365.23M 513.10M 84.98M 84.86M 121.15M
Inventory 48.53M 0.62M 0.17M 0.34M 0.10M
Accounts payable - 6906.72M 6282.05M 6047.84M 2870.32M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income -153.71900M -173.46000M -3.42800M 15.00M 4.59M
Additional paid in capital - - - - -
Common stock total equity - 0.31M 0.31M 0.31M 0.13M
Preferred stock total equity - - - - -
Retained earnings total equity - 502.91M 443.52M 356.41M 329.18M
Treasury stock - -133.48700M -108.03100M -78.83800M -69.68500M
Accumulated amortization - - - - -
Non currrent assets other 315.28M -1461.68700M -1637.57400M -1157.84700M -437.11900M
Deferred long term asset charges - - - - -
Non current assets total 8477.50M 1461.69M 1637.57M 1157.85M 437.12M
Capital lease obligations - - - - -
Long term debt total - 85.10M 84.98M 84.86M 36.08M
Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Investments -1210.31700M -313.41700M -595.26300M -225.34800M -213.02400M
Change to liabilities 9.13M -10.81300M -0.36300M 0.00000M 0.00000M
Total cashflows from investing activities -1206.97000M -332.81400M -541.85400M -225.34800M -213.02400M
Net borrowings 428.00M 48.89M 45.78M -2.86800M -19.36800M
Total cash from financing activities 993.47M 169.95M 625.48M 217.96M 145.24M
Change to operating activities 9.13M -10.81300M -0.36300M 1.69M -0.91600M
Net income 102.19M 126.05M 63.08M 49.37M 46.25M
Change in cash -33.40600M 2.30M 28.01M 32.29M -14.73100M
Begin period cash flow 161.57M 159.27M 131.25M 98.96M 113.69M
End period cash flow 128.16M 161.57M 159.27M 131.25M 98.96M
Total cash from operating activities 180.10M 165.16M -55.61800M 39.69M 53.05M
Issuance of capital stock 0.00000M 0.00000M 0.02M 0.12M 0.10M
Depreciation 14.46M 14.60M 28.42M 7.16M 6.34M
Other cashflows from investing activities 8.92M -16.37400M 58.77M -3.42400M 19.80M
Dividends paid 42.80M 38.95M 32.90M 15.62M 13.04M
Change to inventory - - - - 0.92M
Change to account receivables -8.07200M -5.75500M -14.72900M -6.91600M -2.87800M
Sale purchase of stock -26.87000M -29.58300M -10.18300M -15.14700M -6.33000M
Other cashflows from financing activities 1698.16M 238.48M 1144.64M 293.73M 198.60M
Change to netincome 53.73M 46.24M -123.92800M -11.61600M 4.26M
Capital expenditures 5.57M 3.02M 5.36M 3.13M 4.17M
Change receivables -8.07200M -5.75500M -14.72900M -6.91600M -2.87800M
Cash flows other operating 12.04M -3.07900M 7.36M 4.20M 1.11M
Exchange rate changes - - - - -
Cash and cash equivalents changes -33.40600M 2.30M 28.01M 32.29M -14.73100M
Change in working capital 1.06M -16.56800M -15.09200M -5.22800M -3.79400M
Stock based compensation 2.02M 2.83M 2.31M 0.29M 0.42M
Other non cash items 61.68M 32.86M -124.55100M -11.48300M 2.96M
Free cash flow 174.53M 162.14M -60.97900M 36.55M 48.89M

Peer Comparison

Sector: Financial Services Industry: Banks - Regional

Company Change (USD) Price (USD) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x)
PFC
Premier Financial Corp		 - -% - 6.51 8.57 2.31 0.72
HDB
HDFC Bank Limited ADR		 -0.535 2.23% 23.50 20.81 20.96 0.11 4.77
CIHKY
China Merchants Bank Co Ltd		 0.12 0.39% 30.56 7.78 7.65 0.56 0.90 3.62
DBSDF
DBS Group Holdings Ltd		 0.38 0.76% 50.48 15.29 14.41 5.84 2.36 10.40
CIHHF
China Merchants Bank Co Ltd Class H		 - -% 5.92 6.10 5.67 0.44 0.77 3.43

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Profile

Premier Financial Corp., through its subsidiaries, provides various banking services. It offers demand, checking, money market, and savings accounts, as well as certificates of deposits and certificates of deposit account registry service; and investment products. The company also provides residential and commercial real estate, commercial, construction, home improvement and home equity, installment, and consumer loans. In addition, it invests in the U.S. treasury and federal government agency obligations, obligations of states and political subdivisions, mortgage-backed securities that are issued by federal agencies, residential collateralized mortgage obligations, and corporate bonds. Further, the company offers property and casualty, life, and group health insurance agency services; mezzanine funding services; and digital banking services, which include mobile banking, zelle, online bill pay, and online account opening, as well as the MoneyPass ATM network. It operates in Ohio, Michigan, Indiana, Pennsylvania, and West Virginia. The company was formerly known as First Defiance Financial Corp. and changed its name to Premier Financial Corp. in June 2020. Premier Financial Corp. was founded in 1920 and is headquartered in Defiance, Ohio.

Premier Financial Corp

601 Clinton Street, Defiance, OH, United States, 43512

Key Executives

Name Title Year Born
Mr. Donald P. Hileman Exec. Chairman 1953
Mr. Gary M. Small Pres, CEO & Director 1961
Mr. Paul D. Nungester Jr. CFO & Exec. VP 1974
Mr. Varun Chandhok Exec. VP and Chief Information & Operations Officer 1972
Mr. Jason L. Gendics Exec. VP of Retail & Bus. Banking of Premier Bank 1971
Mr. Matthew T. Garrity Exec. VP & Chief Lending Officer 1966
Ms. Shannon M. Kuhl Exec. VP, Chief Legal Officer & Sec. 1971
Alicia Miller Communications & Marketing Mang. NA
Ms. Kathy Bushway Sr. VP & Chief Marketing Officer 1960
Ms. Sharon L. Davis Exec. VP & Chief HR Officer 1982

Disclaimer - This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
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