Premier Financial Corp - Understand $pfc stock

$PFC Market Cap: $1 Billion

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Financial Snapshot

Revenue

$391.3M

TTM

Gross Margin

Net Earnings

$70.70M

TTM

Current Assets

Current Liabilities

$24.52M

Q3 2024

Current Ratio

Total Assets

$8.729B

Q3 2024

Total Liabilities

$7.710B

Q3 2024

Book Value

$1.019B

Q3 2024

Cash

$125.3M

Q3 2024

P/E

14.15

Nov 29, 2024 EST

Free Cash Flow

$92.64M

TTM

Revenues

Revenue YoY Change

Revenues

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992
Revenue	$365.5M	$277.7M	$243.6M	$237.9M	$141.1M	$124.7M	$108.1M	$87.38M	$80.84M	$76.25M	$74.78M	$80.94M	$87.07M
YoY Change	31.61%	14.01%	2.37%	68.66%	13.12%	15.37%	23.71%	8.1%	6.02%	1.96%	-7.61%	-7.03%

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011
Revenue	$365.5M	$277.7M	$243.6M	$237.9M	$141.1M	$124.7M	$108.1M	$87.38M	$80.84M	$76.25M	$74.78M	$80.94M	$87.07M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization	$5.300M	$5.600M	$6.300M	$6.500M	$4.200M	$3.700M	$3.567M	$3.356M	$3.267M	$2.952M	$3.110M	$3.416M	$3.436M	$7.500M	$8.400M	$6.500M	$4.300M	$4.000M	$3.900M	$2.600M	$3.700M	$3.000M	$2.300M	$2.100M	$15.30M	$7.000M	$800.0K	$300.0K	$200.0K	$300.0K	$300.0K	$300.0K
YoY Change	-5.36%	-11.11%	-3.08%	54.76%	13.51%	3.73%	6.29%	2.72%	10.67%	-5.08%	-8.96%	-0.58%	-54.19%	-10.71%	29.23%	51.16%	7.5%	2.56%	50.0%	-29.73%	23.33%	30.43%	9.52%	-86.27%	118.57%	775.0%	166.67%	50.0%	-33.33%	0.0%	0.0%	50.0%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011
Interest Expense	$148.4M	$34.79M	$16.22M	$29.94M	$25.44M	$16.46M	$11.43M	$8.440M	$6.781M	$6.559M	$7.170M	$11.94M	$17.19M
YoY Change	326.6%	114.52%	-45.83%	17.72%	54.51%	44.01%	35.44%	24.47%	3.38%	-8.52%	-39.93%	-30.54%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992
Pretax Income	$139.5M	$126.3M	$156.4M	$79.27M	$60.64M	$56.88M	$48.45M	$41.60M	$37.83M	$33.46M	$31.51M	$26.68M	$22.20M	$11.10M	$9.900M	$10.90M	$20.40M	$23.10M	$17.80M	$15.60M	$17.80M	$9.400M	$7.200M	$5.600M	$13.30M	$4.900M	$8.400M	$6.100M	$8.400M	$8.900M	$9.500M	$9.100M
YoY Change	10.45%	-19.27%	97.33%	30.73%	6.61%	17.38%	16.48%	9.95%	13.09%	6.16%	18.13%	20.17%	99.99%	12.12%	-9.17%	-46.57%	-11.69%	29.78%	14.1%	-12.36%	89.36%	30.56%	28.57%	-57.89%	171.43%	-41.67%	37.7%	-27.38%	-5.62%	-6.32%	4.4%	33.82%
Income Tax	$28.18M	$24.10M	$30.37M	$16.19M	$11.27M	$10.63M	$16.18M	$12.75M	$11.41M	$9.163M	$9.278M	$8.012M	$6.665M	$3.000M	$2.700M	$3.500M	$6.500M	$7.500M	$5.900M	$4.800M	$5.700M	$3.000M	$2.400M	$1.700M	$4.600M	$1.800M	$3.000M	$2.000M	$2.900M	$3.000M	$3.100M	$3.000M
% Of Pretax Income	20.21%	19.08%	19.42%	20.43%	18.58%	18.68%	33.4%	30.66%	30.16%	27.39%	29.44%	30.03%	30.02%	27.03%	27.27%	32.11%	31.86%	32.47%	33.15%	30.77%	32.02%	31.91%	33.33%	30.36%	34.59%	36.73%	35.71%	32.79%	34.52%	33.71%	32.63%	32.97%
Net Earnings	$111.3M	$102.2M	$126.1M	$63.08M	$49.37M	$46.25M	$32.27M	$28.84M	$26.42M	$24.29M	$22.24M	$18.66M	$15.53M	$8.100M	$7.200M	$7.400M	$13.90M	$15.60M	$12.00M	$10.80M	$12.10M	$15.10M	$13.60M	$11.00M	$8.600M	$3.100M	$5.400M	$4.200M	$5.500M	$6.000M	$6.400M	$5.700M
YoY Change	8.91%	-18.93%	99.84%	27.76%	6.75%	43.33%	11.87%	9.16%	8.77%	9.25%	19.13%	20.15%	91.78%	12.5%	-2.7%	-46.76%	-10.9%	30.0%	11.11%	-10.74%	-19.87%	11.03%	23.64%	27.91%	177.42%	-42.59%	28.57%	-23.64%	-8.33%	-6.25%	12.28%	29.55%
Net Earnings / Revenue	30.45%	36.8%	51.75%	26.51%	34.99%	37.08%	29.85%	33.01%	32.69%	31.86%	29.73%	23.06%	17.84%
Basic Earnings Per Share	$3.11	$2.86	$3.39	$1.75	$2.49	$2.27	$1.62	$1.61	$2.87	$2.55	$2.28	$1.86	$1.44
Diluted Earnings Per Share	$3.11	$2.85	$3.39	$1.75	$2.48	$2.26	$1.61	$1.60	$2.82	$2.44	$2.19	$1.81	$1.42	$496.9K	$439.0K	$468.4K	$965.3K	$1.091M	$845.1K	$850.4K	$960.3K	$1.144M	$1.023M	$859.4K	$641.8K	$198.7K	$310.3K	$215.4K	$264.4K	$291.3K	$315.3K	$267.6K

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment	$70.38M	$70.44M	$71.00M	$75.60M	$39.60M	$40.70M	$40.20M	$37.00M	$38.20M	$40.50M	$38.60M	$39.70M	$40.00M	$41.70M	$43.60M	$47.80M	$40.50M	$34.90M	$32.40M	$24.20M	$23.80M	$20.00M	$20.10M	$22.20M	$21.30M	$19.10M	$16.80M	$12.30M	$6.300M	$2.500M	$2.400M	$2.600M
YoY Change	-0.09%	-0.79%	-6.08%	90.91%	-2.7%	1.24%	8.65%	-3.14%	-5.68%	4.92%	-2.77%	-0.75%	-4.08%	-4.36%	-8.79%	18.02%	16.05%	7.72%	33.88%	1.68%	19.0%	-0.5%	-9.46%	4.23%	11.52%	13.69%	36.59%	95.24%	152.0%	4.17%	-7.69%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets						$0.00	$200.0K	$2.200M		$0.00	$600.0K	$100.0K	$600.0K	$5.800M	$3.300M	$300.0K	$0.00				$0.00	$0.00	$488.5M			$0.00	$400.0K	$600.0K	$200.0K	$1.600M	$300.0K	$400.0K
YoY Change						-100.0%	-90.91%			-100.0%	500.0%	-83.33%	-89.66%	75.76%	1000.0%							-100.0%				-100.0%	-33.33%	200.0%	-87.5%	433.33%	-25.0%
Total Long-Term Assets
YoY Change
Total Assets	$8.626B	$8.455B	$7.481B	$7.212B	$3.469B	$3.182B	$2.993B	$2.478B	$2.298B	$2.179B	$2.137B	$2.047B	$2.068B	$2.036B	$2.058B	$1.957B	$1.609B	$1.528B	$1.461B	$1.127B	$1.041B	$884.2M	$1.133B	$1.072B	$988.0M	$785.4M	$579.7M	$543.4M	$525.6M	$471.5M	$467.4M	$447.9M
YoY Change
Accounts Payable
YoY Change
Accrued Expenses	$13.90M	$15.60M	$16.10M	$17.80M																				$12.50M	$12.90M	$9.000M	$5.200M	$2.900M	$2.800M	$3.000M	$3.400M	$1.400M
YoY Change	-10.9%	-3.11%	-9.55%																					-3.1%	43.33%	73.08%	79.31%	3.57%	-6.67%	-11.76%	142.86%
Deferred Revenue
YoY Change
Short-Term Debt	$4.307M	$6.816M	$5.000M	$5.400M	$3.000M	$5.700M	$26.00M	$31.80M	$57.20M	$54.80M	$51.90M	$51.70M	$60.40M	$56.20M	$48.40M	$49.50M	$30.10M	$30.40M	$25.70M	$14.80M	$12.30M	$4.300M	$20.70M	$120.4M	$53.50M	$400.0K
YoY Change	-36.81%	36.32%	-7.41%	80.0%	-47.37%	-78.08%	-18.24%	-44.41%	4.38%	5.59%	0.39%	-14.4%	7.47%	16.12%	-2.22%	64.45%	-0.99%	18.29%	73.65%	20.33%	186.05%	-79.23%	-82.81%	125.05%	13275.0%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities	$18.21M	$15.60M	$16.10M	$17.80M	$3.000M	$5.700M	$26.00M	$31.80M	$57.20M	$54.80M	$51.90M	$51.70M	$60.40M	$56.20M	$48.40M	$49.50M	$30.10M	$30.40M	$25.70M	$14.80M	$12.30M	$4.300M	$20.70M	$12.50M	$12.90M	$9.000M	$5.200M	$2.900M	$2.800M	$3.000M	$3.400M	$1.400M
YoY Change	16.71%	-3.11%	-9.55%	493.33%	-47.37%	-78.08%	-18.24%	-44.41%	4.38%	5.59%	0.39%	-14.4%	7.47%	16.12%	-2.22%	64.45%	-0.99%	18.29%	73.65%	20.33%	186.05%	-79.23%	65.6%	-3.1%	43.33%	73.08%	79.31%	3.57%	-6.67%	-11.76%	142.86%
Long-Term Debt	$85.23M	$85.10M	$85.00M	$84.90M	$36.10M	$36.10M	$36.10M	$36.10M	$36.10M	$36.10M	$36.10M	$36.10M	$36.10M	$36.10M	$36.10M	$36.10M	$36.10M	$20.60M	$20.60M	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
YoY Change	0.15%	0.12%	0.12%	135.18%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	75.24%	0.0%
Other Long-Term Liabilities	$123.8M	$125.4M	$69.70M	$73.60M	$47.50M	$34.00M	$36.10M	$31.10M	$27.30M	$25.10M	$18.70M	$19.30M	$14.10M	$9.600M	$11.10M	$16.10M	$17.90M	$14.40M	$11.60M	$7.900M	$8.500M	$8.500M	$189.4M
YoY Change	-1.23%	79.89%	-5.3%	54.95%	39.71%	-5.82%	16.08%	13.92%	8.76%	34.22%	-3.11%	36.88%	46.88%	-13.51%	-31.06%	-10.06%	24.31%	24.14%	46.84%	-7.06%	0.0%	-95.51%
Total Long-Term Liabilities	$209.1M	$210.5M	$154.7M	$158.5M	$83.60M	$70.10M	$72.20M	$67.20M	$63.40M	$61.20M	$54.80M	$55.40M	$50.20M	$45.70M	$47.20M	$52.20M	$54.00M	$35.00M	$32.20M	$7.900M	$8.500M	$8.500M	$189.4M	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
YoY Change	-0.67%	36.06%	-2.4%	89.59%	19.26%	-2.91%	7.44%	5.99%	3.59%	11.68%	-1.08%	10.36%	9.85%	-3.18%	-9.58%	-3.33%	54.29%	8.7%	307.59%	-7.06%	0.0%	-95.51%
Total Liabilities	$7.650B	$7.568B	$6.458B	$6.230B	$3.043B	$2.782B	$2.620B	$2.185B	$2.018B	$1.899B	$1.865B	$1.789B	$1.790B	$1.795B	$1.823B	$1.728B	$1.444B	$1.368B	$1.310B	$999.8M	$916.3M	$764.1M	$1.022B	$972.7M	$898.6M	$691.7M	$472.8M	$426.8M	$392.0M	$403.1M	$401.7M	$406.4M
YoY Change	1.09%	17.18%	3.67%	104.73%	9.37%	6.18%	19.93%	8.28%	6.22%	1.84%	4.26%	-0.07%	-0.28%	-1.55%	5.51%	19.72%	5.51%	4.44%	31.02%	9.11%	19.92%	-25.21%	5.03%	8.25%	29.91%	46.3%	10.78%	8.88%	-2.75%	0.35%	-1.16%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011
Basic Shares Outstanding	35.69M	35.68M	37.11M	35.90M	19.82M	20.35M	19.93M	17.94M	9.210K shares	9.505K shares	9.764M shares	9.728M shares	9.371M shares
Diluted Shares Outstanding									9.383M shares	9.975M shares	10.17M shares	9.998M shares	9.540M shares
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Stock Price

Market Cap: $1.0003 Billion

About PREMIER FINANCIAL CORP

Premier Financial Corp. is a holding company, which engages in the provision of banking business. The company is headquartered in Defiance, Ohio and currently employs 944 full-time employees. The Bank is primarily engaged in community banking. The company attracts deposits from the general public through its offices and Website, and uses those and other available sources of funds to originate residential real estate loans, commercial real estate loans, commercial loans, home improvement and home equity loans and consumer loans. In addition, the Bank invests in United States Treasury and federal government agency obligations, obligations of states and political subdivisions, mortgage-backed securities that are issued by federal agencies, including real estate mortgage investment conduits (REMICs) and residential collateralized mortgage obligations (CMOs), and corporate bonds. The Bank offers customers a range of deposit products including demand, checking, money market and savings accounts. The Bank operates approximately 75 branches and nine loan offices in Ohio, Michigan, Indiana and Pennsylvania.

Industry: State Commercial Banks Peers: Allegiance Bancshares, Inc. BROOKLINE BANCORP INC ConnectOne Bancorp, Inc. Origin Bancorp, Inc. Customers Bancorp, Inc. PATHWARD FINANCIAL, INC. HERITAGE FINANCIAL CORP /WA/ PNC FINANCIAL SERVICES GROUP, INC.