Premier Financial Corp. | Small-cap | Financial Services
$28.04
0.00%
| Premier Financial Stock Comparison:
Premier Financial vs PNC FinancialPremier Financial vs U.S. BancorpPremier Financial vs Pathward FinancialPremier Financial vs OFG BancorpPremier Financial vs Nicolet BanksharesPremier Financial vs S&P 500 | Market
TL;DR Income Statement Balance Sheet Cash Flow Key Ratios Peer Comparison

TL;DR: Financial Overview - Revenue, Profits & Key Metrics

Latest Quarterly: Dec 2024

Income Metrics

Revenue 63.1M
Net Income 19.0M 30.14%
EPS (Diluted) $0.58

Balance Sheet Metrics

Shareholders Equity 1.0B
Debt to Equity 0.00

Cash Flow Metrics

Operating Cash Flow 24.7M
Free Cash Flow 23.8M

Revenue & Profitability Trend

Premier Financial Income Statement From 2020 to 2024

Metric 2024 2023 2022 2021 2020
Revenue i 243.6M 300.6M 294.6M 284.1M 259.0M
Cost of Goods Sold i - - - - -
Gross Profit i - - - - -
Gross Margin % i 0.0% 0.0% 0.0% 0.0% 0.0%
Operating Expenses
Research & Development i - - - - -
Selling, General & Administrative i 93.5M 100.1M 103.2M 95.5M 97.4M
Other Operating Expenses i - - - - -
Total Operating Expenses i 93.5M 100.1M 103.2M 95.5M 97.4M
Operating Income i - - - - -
Operating Margin % i 0.0% 0.0% 0.0% 0.0% 0.0%
Non-Operating Items
Interest Income i - - - - -
Interest Expense i - - - - -
Other Non-Operating Income - - - - -
Pre-tax Income i 82.3M 132.7M 116.4M 134.5M 51.1M
Income Tax i 18.3M 28.2M 24.1M 30.4M 16.2M
Effective Tax Rate % i 22.2% 21.2% 20.7% 22.6% 31.7%
Net Income i 64.0M 104.6M 92.3M 104.1M 34.9M
Net Margin % i 26.3% 34.8% 31.3% 36.7% 13.5%
Key Metrics
EBITDA i - - - - -
EPS (Basic) i $1.99 $3.11 $2.86 $3.39 $1.75
EPS (Diluted) i $1.98 $3.11 $2.85 $3.39 $1.75
Basic Shares Outstanding i 35679000 35693000 35679000 30715634 35902000
Diluted Shares Outstanding i 35679000 35693000 35679000 30715634 35902000

Income Statement Trend

Premier Financial Balance Sheet From 2020 to 2024

Metric 2024 2023 2022 2021 2020
Assets
Current Assets
Cash & Equivalents i 121.5M 114.8M 128.2M 161.6M 159.3M
Short-term Investments i 1.2B 946.7M 1.0B 1.2B 736.7M
Accounts Receivable i 35.5M 33.4M 28.7M 20.8M 25.4M
Inventory i - - - - -
Other Current Assets - - - - -
Total Current Assets i - - - - -
Non-Current Assets
Property, Plant & Equipment i - - - - -
Goodwill i 616.9M 622.1M 676.2M 679.6M 679.4M
Intangible Assets i 25.7M 30.9M 40.2M 43.7M 43.5M
Long-term Investments - - - - -
Other Non-Current Assets - - - - -
Total Non-Current Assets i - - - - -
Total Assets i - - - - -
Liabilities
Current Liabilities
Accounts Payable i - - - - -
Short-term Debt i - - - - -
Current Portion of Long-term Debt - - - - -
Other Current Liabilities - - - - -
Total Current Liabilities i - - - - -
Non-Current Liabilities
Long-term Debt i 592.4M 365.2M 513.1M 85.0M 84.9M
Deferred Tax Liabilities i - - - - -
Other Non-Current Liabilities - - - - -
Total Non-Current Liabilities i - - - - -
Total Liabilities i - - - - -
Equity
Common Stock i 306.0K 306.0K 306.0K 306.0K 306.0K
Retained Earnings i 596.9M 569.9M 502.9M 443.5M 356.4M
Treasury Stock i 129.6M 131.5M 133.5M 108.0M 78.8M
Other Equity - - - - -
Total Shareholders Equity i 1.0B 975.6M 887.7M 1.0B 982.3M
Key Metrics
Total Debt i 592.4M 365.2M 513.1M 85.0M 84.9M
Working Capital i 0 0 0 0 0

Balance Sheet Composition

Premier Financial Cash Flow Statement From 2020 to 2024

Metric 2024 2023 2022 2021 2020
Operating Activities
Net Income i 71.4M 111.3M 102.2M 126.1M 63.1M
Depreciation & Amortization i 14.0M 15.1M 14.5M 14.6M 28.4M
Stock-Based Compensation i 2.7M 1.9M 2.0M 2.8M 2.3M
Working Capital Changes i -22.0M 11.1M 1.1M -16.6M -15.1M
Operating Cash Flow i 89.5M 70.3M 162.6M 193.1M -56.5M
Investing Activities
Capital Expenditures i -2.6M -7.1M -5.6M -3.0M -5.4M
Acquisitions i - 47.4M -435.0K 0 52.4M
Investment Purchases i -334.5M -10.1M -125.5M -817.1M -363.4M
Investment Sales i 121.8M 119.6M 115.8M 307.2M 177.2M
Investing Cash Flow i -223.3M 151.9M -32.6M -524.9M -129.5M
Financing Activities
Share Repurchases i 0 -11.0K -26.9M -29.6M -10.2M
Dividends Paid i -44.4M -44.3M -42.8M -38.9M -32.9M
Debt Issuance i - - 428.0M 0 48.8M
Debt Repayment i - - - 0 -466.1M
Financing Cash Flow i -44.4M -44.3M 358.3M -68.5M -460.3M
Free Cash Flow i 89.7M 70.2M 174.5M 162.1M -61.0M
Net Change in Cash i -178.2M 178.0M 488.3M -400.3M -646.3M

Cash Flow Trend

Premier Financial Key Financial Ratios

Valuation Ratios

P/E Ratio (TTM) 14.16
Forward P/E 13.16
Price to Book 1.00
Price to Sales 4.03
PEG Ratio 13.16

Profitability Ratios

Profit Margin 28.60%
Operating Margin 46.72%
Return on Equity 7.22%
Return on Assets 0.83%

Financial Health

Debt to Equity 0.59
Beta 1.22

Per Share Data

EPS (TTM) $1.98
Book Value per Share $27.95
Revenue per Share $7.00

Peer Financial Comparison

Company Market Cap P/E Ratio P/B Ratio ROE Profit Margin Debt/Equity
pfc 1.0B 14.16 1.00 7.22% 28.60% 0.59
PNC Financial 70.3B 12.56 1.39 11.33% 28.75% 1.12
U.S. Bancorp 73.5B 11.36 1.36 11.67% 27.00% 1.34
Pathward Financial 1.7B 10.74 2.09 21.09% 22.63% 0.21
OFG Bancorp 1.9B 9.95 1.42 15.20% 31.43% 0.38
Nicolet Bankshares 2.0B 15.22 1.67 11.89% 37.26% 0.11

Financial data is updated regularly. All figures are in the company's reporting currency.