Switch to:

GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 5.91
PFBI's Cash to Debt is ranked higher than
55% of the 1162 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.79 vs. PFBI: 5.91 )
Ranked among companies with meaningful Cash to Debt only.
PFBI' s Cash to Debt Range Over the Past 10 Years
Min: 0.37  Med: 0.86 Max: 6.01
Current: 5.91
0.37
6.01
Equity to Asset 0.12
PFBI's Equity to Asset is ranked higher than
68% of the 1660 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. PFBI: 0.12 )
Ranked among companies with meaningful Equity to Asset only.
PFBI' s Equity to Asset Range Over the Past 10 Years
Min: 0.06  Med: 0.11 Max: 0.14
Current: 0.12
0.06
0.14
Interest Coverage 4.80
PFBI's Interest Coverage is ranked higher than
79% of the 1543 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.64 vs. PFBI: 4.80 )
Ranked among companies with meaningful Interest Coverage only.
PFBI' s Interest Coverage Range Over the Past 10 Years
Min: 0.85  Med: 1.33 Max: 4.8
Current: 4.8
0.85
4.8
F-Score: 5
M-Score: -2.50
WACC vs ROIC
6.64%
15.85%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 8/10

vs
industry
vs
history
Operating margin (%) 34.88
PFBI's Operating margin (%) is ranked higher than
59% of the 1677 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.23 vs. PFBI: 34.88 )
Ranked among companies with meaningful Operating margin (%) only.
PFBI' s Operating margin (%) Range Over the Past 10 Years
Min: 21.46  Med: 35.45 Max: 40.12
Current: 34.88
21.46
40.12
Net-margin (%) 22.43
PFBI's Net-margin (%) is ranked lower than
51% of the 1680 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.64 vs. PFBI: 22.43 )
Ranked among companies with meaningful Net-margin (%) only.
PFBI' s Net-margin (%) Range Over the Past 10 Years
Min: 14.02  Med: 23.22 Max: 26.45
Current: 22.43
14.02
26.45
ROE (%) 8.49
PFBI's ROE (%) is ranked higher than
51% of the 1675 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.42 vs. PFBI: 8.49 )
Ranked among companies with meaningful ROE (%) only.
PFBI' s ROE (%) Range Over the Past 10 Years
Min: 4.32  Med: 8.54 Max: 11.28
Current: 8.49
4.32
11.28
ROA (%) 0.99
PFBI's ROA (%) is ranked higher than
57% of the 1684 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 vs. PFBI: 0.99 )
Ranked among companies with meaningful ROA (%) only.
PFBI' s ROA (%) Range Over the Past 10 Years
Min: 0.62  Med: 1.06 Max: 1.31
Current: 0.99
0.62
1.31
Revenue Growth (3Y)(%) 0.40
PFBI's Revenue Growth (3Y)(%) is ranked lower than
63% of the 1369 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.90 vs. PFBI: 0.40 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
PFBI' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -17.8  Med: 3.40 Max: 23.3
Current: 0.4
-17.8
23.3
EBITDA Growth (3Y)(%) 8.80
PFBI's EBITDA Growth (3Y)(%) is ranked higher than
59% of the 1263 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. PFBI: 8.80 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
PFBI' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -22.1  Med: 2.10 Max: 38.5
Current: 8.8
-22.1
38.5
EPS Growth (3Y)(%) 6.20
PFBI's EPS Growth (3Y)(%) is ranked lower than
55% of the 1248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. PFBI: 6.20 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
PFBI' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -38.6  Med: 2.10 Max: 54.1
Current: 6.2
-38.6
54.1
» PFBI's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

PFBI Guru Trades in

Q2 2015

PFBI Guru Trades in Q2 2015

Jim Simons 10,300 sh (New)
» More
Q3 2015

PFBI Guru Trades in Q3 2015

Jim Simons 16,000 sh (+55.34%)
» More
Q4 2015

PFBI Guru Trades in Q4 2015

Jim Simons 27,785 sh (+73.66%)
» More
» Details

Insider Trades

Latest Guru Trades with PFBI

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

No Entry found in the selected group of Gurus. You can
  • 1. Modify your Personalized List of Gurus, or
  • 2. Click on Premium Premium Tools above to check out all the Gurus, or
  • 3. Click on Premium Plus Premium Plus above for the stocks picks of all the institutional investment advisors (>4000)
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 10.74
PFBI's P/E(ttm) is ranked higher than
60% of the 1570 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.56 vs. PFBI: 10.74 )
Ranked among companies with meaningful P/E(ttm) only.
PFBI' s P/E(ttm) Range Over the Past 10 Years
Min: 4.22  Med: 9.17 Max: 21.31
Current: 10.74
4.22
21.31
PE(NRI) 10.74
PFBI's PE(NRI) is ranked higher than
60% of the 1570 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.56 vs. PFBI: 10.74 )
Ranked among companies with meaningful PE(NRI) only.
PFBI' s PE(NRI) Range Over the Past 10 Years
Min: 4.21  Med: 9.27 Max: 26.78
Current: 10.74
4.21
26.78
Price/Owner Earnings (ttm) 9.60
PFBI's Price/Owner Earnings (ttm) is ranked higher than
63% of the 880 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.31 vs. PFBI: 9.60 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
PFBI' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 3.39  Med: 7.53 Max: 142.87
Current: 9.6
3.39
142.87
P/B 0.89
PFBI's P/B is ranked higher than
63% of the 1642 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. PFBI: 0.89 )
Ranked among companies with meaningful P/B only.
PFBI' s P/B Range Over the Past 10 Years
Min: 0.29  Med: 0.81 Max: 1.58
Current: 0.89
0.29
1.58
P/S 2.43
PFBI's P/S is ranked higher than
61% of the 1637 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.93 vs. PFBI: 2.43 )
Ranked among companies with meaningful P/S only.
PFBI' s P/S Range Over the Past 10 Years
Min: 0.68  Med: 2.17 Max: 4.44
Current: 2.43
0.68
4.44
PFCF 8.43
PFBI's PFCF is ranked higher than
62% of the 858 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.68 vs. PFBI: 8.43 )
Ranked among companies with meaningful PFCF only.
PFBI' s PFCF Range Over the Past 10 Years
Min: 2.58  Med: 8.90 Max: 933.33
Current: 8.43
2.58
933.33
POCF 7.97
PFBI's POCF is ranked higher than
58% of the 975 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.20 vs. PFBI: 7.97 )
Ranked among companies with meaningful POCF only.
PFBI' s POCF Range Over the Past 10 Years
Min: 2.32  Med: 7.11 Max: 119.66
Current: 7.97
2.32
119.66
EV-to-EBIT 5.04
PFBI's EV-to-EBIT is ranked higher than
89% of the 1503 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.40 vs. PFBI: 5.04 )
Ranked among companies with meaningful EV-to-EBIT only.
PFBI' s EV-to-EBIT Range Over the Past 10 Years
Min: -0.6  Med: 3.70 Max: 23.3
Current: 5.04
-0.6
23.3
EV-to-EBITDA 4.51
PFBI's EV-to-EBITDA is ranked higher than
89% of the 1507 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.24 vs. PFBI: 4.51 )
Ranked among companies with meaningful EV-to-EBITDA only.
PFBI' s EV-to-EBITDA Range Over the Past 10 Years
Min: -0.6  Med: 3.40 Max: 16.6
Current: 4.51
-0.6
16.6
PEG 0.87
PFBI's PEG is ranked higher than
57% of the 724 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.03 vs. PFBI: 0.87 )
Ranked among companies with meaningful PEG only.
PFBI' s PEG Range Over the Past 10 Years
Min: 0.23  Med: 0.88 Max: 4.49
Current: 0.87
0.23
4.49
Shiller P/E 11.97
PFBI's Shiller P/E is ranked higher than
79% of the 504 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.22 vs. PFBI: 11.97 )
Ranked among companies with meaningful Shiller P/E only.
PFBI' s Shiller P/E Range Over the Past 10 Years
Min: 6.67  Med: 11.97 Max: 40.24
Current: 11.97
6.67
40.24

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.63
PFBI's Dividend Yield is ranked higher than
63% of the 2098 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.90 vs. PFBI: 3.63 )
Ranked among companies with meaningful Dividend Yield only.
PFBI' s Dividend Yield Range Over the Past 10 Years
Min: 0.33  Med: 3.32 Max: 9.02
Current: 3.63
0.33
9.02
Dividend Payout 0.38
PFBI's Dividend Payout is ranked lower than
57% of the 1273 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.34 vs. PFBI: 0.38 )
Ranked among companies with meaningful Dividend Payout only.
PFBI' s Dividend Payout Range Over the Past 10 Years
Min: 0.08  Med: 0.34 Max: 0.68
Current: 0.38
0.08
0.68
Dividend Growth (3y) 36.50
PFBI's Dividend Growth (3y) is ranked higher than
87% of the 742 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.80 vs. PFBI: 36.50 )
Ranked among companies with meaningful Dividend Growth (3y) only.
PFBI' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: -100.00 Max: 63.9
Current: 36.5
0
63.9
Forward Dividend Yield 3.80
PFBI's Forward Dividend Yield is ranked higher than
61% of the 1965 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.74 vs. PFBI: 3.80 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 3.63
PFBI's Yield on cost (5-Year) is ranked higher than
52% of the 2495 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.43 vs. PFBI: 3.63 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
PFBI' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.33  Med: 3.32 Max: 9.02
Current: 3.63
0.33
9.02
3-Year Average Share Buyback Ratio -0.80
PFBI's 3-Year Average Share Buyback Ratio is ranked higher than
62% of the 1112 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. PFBI: -0.80 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
PFBI' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -15.6  Med: -0.80 Max: 0.4
Current: -0.8
-15.6
0.4

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.17
PFBI's Price/Tangible Book is ranked lower than
55% of the 1634 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. PFBI: 1.17 )
Ranked among companies with meaningful Price/Tangible Book only.
PFBI' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.39  Med: 1.19 Max: 2.63
Current: 1.17
0.39
2.63
Price/Projected FCF 0.53
PFBI's Price/Projected FCF is ranked higher than
66% of the 885 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.65 vs. PFBI: 0.53 )
Ranked among companies with meaningful Price/Projected FCF only.
PFBI' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.22  Med: 0.55 Max: 0.88
Current: 0.53
0.22
0.88
Price/Median PS Value 1.11
PFBI's Price/Median PS Value is ranked lower than
66% of the 1548 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.01 vs. PFBI: 1.11 )
Ranked among companies with meaningful Price/Median PS Value only.
PFBI' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.32  Med: 0.98 Max: 2.44
Current: 1.11
0.32
2.44
Price/Peter Lynch Fair Value 0.72
PFBI's Price/Peter Lynch Fair Value is ranked higher than
58% of the 438 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.83 vs. PFBI: 0.72 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
PFBI' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.31  Med: 0.96 Max: 1.69
Current: 0.72
0.31
1.69
Price/Graham Number 0.75
PFBI's Price/Graham Number is ranked higher than
57% of the 1461 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.82 vs. PFBI: 0.75 )
Ranked among companies with meaningful Price/Graham Number only.
PFBI' s Price/Graham Number Range Over the Past 10 Years
Min: 0.32  Med: 0.81 Max: 1.65
Current: 0.75
0.32
1.65
Earnings Yield (Greenblatt) (%) 19.89
PFBI's Earnings Yield (Greenblatt) (%) is ranked higher than
90% of the 1644 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. PFBI: 19.89 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
PFBI' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 4.3  Med: 26.80 Max: 1347.5
Current: 19.89
4.3
1347.5
Forward Rate of Return (Yacktman) (%) 25.73
PFBI's Forward Rate of Return (Yacktman) (%) is ranked higher than
77% of the 843 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.13 vs. PFBI: 25.73 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
PFBI' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: 4.3  Med: 11.80 Max: 41.7
Current: 25.73
4.3
41.7

More Statistics

Revenue(Mil) $55
EPS $ 1.48
Beta0.48
Short Percentage of Float0.08%
52-Week Range $13.80 - 16.88
Shares Outstanding(Mil)9.59

Business Description

Industry: Banks » Banks - Regional - US
Compare:NAS:TBBK, NAS:FNLC, NAS:OSBC, NAS:FFKT, NAS:FMBH, NAS:MBVT » details
Premier Financial Bancorp Inc was incorporated as a Kentucky Corporation in 1991. It is a multi-bank holding company that, as of March 1, 2014 operates eight banking offices in Kentucky, five banking offices in Ohio, fourteen banking offices in West Virginia, four banking offices in Washington, DC, two banking offices in Maryland and two banking offices in Virginia. Through the Banks the Company focuses on providing quality, community banking services to individuals and small-to-medium sized businesses in non-urban areas. It provides a wide range of retail and commercial banking services, including commercial, real estate, agricultural and consumer lending; depository and funds transfer services; collections; safe deposit boxes; cash management services; and other services tailored for both individuals and businesses. Its residential mortgage lending activities consist mainly of loans for purchasing personal residences or loans for commercial or consumer purposes secured by residential mortgages. The Banks also originate residential mortgage loans that are sold in the secondary mortgage market. The Banks' range of deposit services includes checking accounts, NOW accounts, savings accounts, money market accounts, club accounts, individual retirement accounts, certificates of deposit and overdraft protection. Customers can access their accounts via traditional bank branch locations as well as Automated Teller Machines and the internet. The Banks also offer bill payment and telephone banking services. Deposits of the banks are insured by the Deposit Insurance Fund administered by the FDIC to the maximum amounts offered by the FDIC. The Bank competes with other commercial banks, savings and loan associations, credit unions, finance companies, mutual funds, insurance companies, brokerage and investment banking companies. The Company is subject to regulation under the Bank Holding Company Act, and to inspection, examination and supervision by the Board of Governors of the Federal Reserve System.
» More Articles for PFBI

Headlines

Articles On GuruFocus.com
Premier Financial Bancorp Inc. Reports Operating Results (10-Q) Nov 15 2010 
Premier Financial Bancorp Inc. Reports Operating Results (10-Q) Aug 13 2010 
Premier Financial Bancorp Inc. Reports Operating Results (10-Q) May 14 2010 
Premier Financial Bancorp Inc. Reports Operating Results (10-Q) Nov 13 2009 
Premier Financial Bancorp Inc. Reports Operating Results (10-Q) Aug 13 2009 
Premier Financial Bancorp Inc. Reports Operating Results (10-Q) May 14 2009 

More From Other Websites
PREMIER FINANCIAL BANCORP INC Financials Mar 18 2016
PREMIER FINANCIAL BANCORP INC Files SEC form 10-K, Annual Report Mar 15 2016
Premier Financial Bancorp, Inc. :PFBI-US: Earnings Analysis: Q4, 2015 By the Numbers Mar 14 2016
PREMIER FINANCIAL BANCORP INC Files SEC form 8-K, Results of Operations and Financial Condition,... Mar 10 2016
Premier Financial posts 4Q profit Mar 08 2016
Premier Financial posts 4Q profit Mar 08 2016
Premier Financial Bancorp, Inc. Announces 2015 Annual Financial Results Mar 08 2016
PREMIER FINANCIAL BANCORP INC Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and... Mar 07 2016
PREMIER FINANCIAL BANCORP INC Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and... Feb 23 2016
Premier Financial Bancorp, Inc. Announces First Quarter Dividend Feb 23 2016
PREMIER FINANCIAL BANCORP INC Files SEC form 8-K, Completion of Acquisition or Disposition of... Jan 20 2016
Premier Financial Bancorp, Inc. Announces Completion Of First National Bankshares Acquisition Jan 19 2016
PREMIER FINANCIAL BANCORP INC Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and... Nov 23 2015
Premier Financial Bancorp, Inc. Announces Fourth Quarter Dividend Nov 23 2015
Rentech, Inc. (RTK) Sees Slight Decline in Hedge Fund Sentiment Nov 21 2015
PREMIER FINANCIAL BANCORP INC Files SEC form 10-Q, Quarterly Report Nov 09 2015
PREMIER FINANCIAL BANCORP INC Files SEC form 8-K, Results of Operations and Financial Condition,... Nov 05 2015
Premier Financial posts 3Q profit Nov 03 2015
Premier Financial posts 3Q profit Nov 03 2015
Premier Financial Bancorp, Inc. Reports Third Quarter 2015 Earnings Nov 03 2015

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)
FEEDBACK