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
Q3 2024
Total Liabilities
Q3 2024
Book Value
$1.019B
Q3 2024
Cash
Q3 2024
P/E
14.15
Nov 29, 2024 EST
Free Cash Flow
$92.64M
TTM

Revenues

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

No data

Gross Profit

No data

Gross Profit Margin

No data

Gross Profit

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
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

No data

Research & Development

No data

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

No data

R&D To Gross Profit Ratio

No data

DDA To Gross Profit Ratio

No data

Operating Expenses Total

No data

Operating Profits/Loss

No data

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 %

No data

Other Expense/Income

No data

Interest & Other Expense/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
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

No data

Inventory

No data

Receivables

No data

Total Short-Term Assets

No data

Property, Plant And Equipment

Long-Term Investments

No data

Total Long-Term Assets

No data

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

No data

Short-Term Debt

Long Term Debt Due

No data

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

No data

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

No data

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

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
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

Dividends

No data

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.