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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 7.72
PFBI's Cash to Debt is ranked higher than
63% of the 980 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.53 vs. PFBI: 7.72 )
Ranked among companies with meaningful Cash to Debt only.
PFBI' s 10-Year Cash to Debt Range
Min: 0.3  Med: 0.79 Max: N/A
Current: 7.72
Equity to Asset 0.12
PFBI's Equity to Asset is ranked higher than
69% of the 1337 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 10-Year Equity to Asset Range
Min: 0.06  Med: 0.11 Max: 0.22
Current: 0.12
0.06
0.22
Interest Coverage 4.69
PFBI's Interest Coverage is ranked higher than
78% of the 1255 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.62 vs. PFBI: 4.69 )
Ranked among companies with meaningful Interest Coverage only.
PFBI' s 10-Year Interest Coverage Range
Min: 0.04  Med: 0.85 Max: 4.69
Current: 4.69
0.04
4.69
F-Score: 5
WACC vs ROIC
7.49%
15.63%
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 : 7/10

vs
industry
vs
history
Operating margin (%) 34.98
PFBI's Operating margin (%) is ranked higher than
63% of the 1405 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.01 vs. PFBI: 34.98 )
Ranked among companies with meaningful Operating margin (%) only.
PFBI' s 10-Year Operating margin (%) Range
Min: -64.09  Med: 29.88 Max: 40.12
Current: 34.98
-64.09
40.12
Net-margin (%) 22.69
PFBI's Net-margin (%) is ranked higher than
53% of the 1405 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.75 vs. PFBI: 22.69 )
Ranked among companies with meaningful Net-margin (%) only.
PFBI' s 10-Year Net-margin (%) Range
Min: -41.71  Med: 22.67 Max: 30.9
Current: 22.69
-41.71
30.9
ROE (%) 8.16
PFBI's ROE (%) is ranked lower than
51% of the 1407 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.30 vs. PFBI: 8.16 )
Ranked among companies with meaningful ROE (%) only.
PFBI' s 10-Year ROE (%) Range
Min: -19.08  Med: 8.50 Max: 13.87
Current: 8.16
-19.08
13.87
ROA (%) 1.02
PFBI's ROA (%) is ranked higher than
63% of the 1416 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. PFBI: 1.02 )
Ranked among companies with meaningful ROA (%) only.
PFBI' s 10-Year ROA (%) Range
Min: -1.49  Med: 0.96 Max: 1.46
Current: 1.02
-1.49
1.46
Revenue Growth (3Y)(%) 0.40
PFBI's Revenue Growth (3Y)(%) is ranked lower than
59% of the 1186 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.00 vs. PFBI: 0.40 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
PFBI' s 10-Year Revenue Growth (3Y)(%) Range
Min: -13.4  Med: 4.05 Max: 14.7
Current: 0.4
-13.4
14.7
EBITDA Growth (3Y)(%) 21.70
PFBI's EBITDA Growth (3Y)(%) is ranked higher than
80% of the 1046 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.50 vs. PFBI: 21.70 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
PFBI' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -23.1  Med: -0.10 Max: 38.7
Current: 21.7
-23.1
38.7
EPS Growth (3Y)(%) 25.40
PFBI's EPS Growth (3Y)(%) is ranked higher than
79% of the 1055 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.40 vs. PFBI: 25.40 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
PFBI' s 10-Year EPS Growth (3Y)(%) Range
Min: -38.2  Med: 0.00 Max: 53.9
Current: 25.4
-38.2
53.9
» PFBI's 10-Y Financials

Financials


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

» Details

Insider Trades

Latest Guru Trades with PFBI

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Ratios

vs
industry
vs
history
P/E(ttm) 10.63
PFBI's P/E(ttm) is ranked higher than
70% of the 1259 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.20 vs. PFBI: 10.63 )
Ranked among companies with meaningful P/E(ttm) only.
PFBI' s 10-Year P/E(ttm) Range
Min: 4.22  Med: 8.89 Max: 21.31
Current: 10.63
4.22
21.31
Forward P/E 9.03
PFBI's Forward P/E is ranked higher than
77% of the 710 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.18 vs. PFBI: 9.03 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 10.90
PFBI's PE(NRI) is ranked higher than
71% of the 1255 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.20 vs. PFBI: 10.90 )
Ranked among companies with meaningful PE(NRI) only.
PFBI' s 10-Year PE(NRI) Range
Min: 4.21  Med: 9.27 Max: 69.94
Current: 10.9
4.21
69.94
P/B 0.82
PFBI's P/B is ranked higher than
71% of the 1359 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. PFBI: 0.82 )
Ranked among companies with meaningful P/B only.
PFBI' s 10-Year P/B Range
Min: 0.29  Med: 0.81 Max: 1.58
Current: 0.82
0.29
1.58
P/S 2.33
PFBI's P/S is ranked higher than
66% of the 1388 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.94 vs. PFBI: 2.33 )
Ranked among companies with meaningful P/S only.
PFBI' s 10-Year P/S Range
Min: 0.68  Med: 2.19 Max: 4.44
Current: 2.33
0.68
4.44
PFCF 7.85
PFBI's PFCF is ranked higher than
63% of the 813 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.28 vs. PFBI: 7.85 )
Ranked among companies with meaningful PFCF only.
PFBI' s 10-Year PFCF Range
Min: 2.6  Med: 9.11 Max: 700
Current: 7.85
2.6
700
POCF 7.21
PFBI's POCF is ranked higher than
61% of the 923 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.67 vs. PFBI: 7.21 )
Ranked among companies with meaningful POCF only.
PFBI' s 10-Year POCF Range
Min: 2.35  Med: 6.98 Max: 116.67
Current: 7.21
2.35
116.67
EV-to-EBIT 2.46
PFBI's EV-to-EBIT is ranked higher than
97% of the 1271 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.91 vs. PFBI: 2.46 )
Ranked among companies with meaningful EV-to-EBIT only.
PFBI' s 10-Year EV-to-EBIT Range
Min: -0.6  Med: 3.90 Max: 75.9
Current: 2.46
-0.6
75.9
PEG 1.17
PFBI's PEG is ranked lower than
52% of the 582 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. PFBI: 1.17 )
Ranked among companies with meaningful PEG only.
PFBI' s 10-Year PEG Range
Min: 0.23  Med: 0.93 Max: 17.85
Current: 1.17
0.23
17.85
Shiller P/E 11.80
PFBI's Shiller P/E is ranked higher than
76% of the 769 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.77 vs. PFBI: 11.80 )
Ranked among companies with meaningful Shiller P/E only.
PFBI' s 10-Year Shiller P/E Range
Min: 3.57  Med: 11.68 Max: 1643
Current: 11.8
3.57
1643
Days Sales Outstanding 20.37
PFBI's Days Sales Outstanding is ranked higher than
79% of the 775 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 33.80 vs. PFBI: 20.37 )
Ranked among companies with meaningful Days Sales Outstanding only.
PFBI' s 10-Year Days Sales Outstanding Range
Min: 21.23  Med: 43.34 Max: 119.21
Current: 20.37
21.23
119.21

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.39
PFBI's Dividend Yield is ranked higher than
66% of the 2216 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.60 vs. PFBI: 3.39 )
Ranked among companies with meaningful Dividend Yield only.
PFBI' s 10-Year Dividend Yield Range
Min: 0.33  Med: 3.23 Max: 9.02
Current: 3.39
0.33
9.02
Dividend Payout 0.35
PFBI's Dividend Payout is ranked lower than
53% of the 1297 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. PFBI: 0.35 )
Ranked among companies with meaningful Dividend Payout only.
PFBI' s 10-Year Dividend Payout Range
Min: 0.16  Med: 0.39 Max: 1
Current: 0.35
0.16
1
Yield on cost (5-Year) 3.39
PFBI's Yield on cost (5-Year) is ranked higher than
56% of the 2229 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.07 vs. PFBI: 3.39 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
PFBI' s 10-Year Yield on cost (5-Year) Range
Min: 0.33  Med: 3.23 Max: 9.02
Current: 3.39
0.33
9.02
Share Buyback Rate -2.30
PFBI's Share Buyback Rate is ranked lower than
52% of the 1010 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. PFBI: -2.30 )
Ranked among companies with meaningful Share Buyback Rate only.
PFBI' s 10-Year Share Buyback Rate Range
Min: 0.4  Med: -0.80 Max: -15.6
Current: -2.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.09
PFBI's Price/Tangible Book is ranked higher than
56% of the 1337 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. PFBI: 1.09 )
Ranked among companies with meaningful Price/Tangible Book only.
PFBI' s 10-Year Price/Tangible Book Range
Min: 0.39  Med: 1.18 Max: 3.18
Current: 1.09
0.39
3.18
Price/Projected FCF 0.57
PFBI's Price/Projected FCF is ranked higher than
62% of the 749 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.68 vs. PFBI: 0.57 )
Ranked among companies with meaningful Price/Projected FCF only.
PFBI' s 10-Year Price/Projected FCF Range
Min: 0.21  Med: 0.48 Max: 0.78
Current: 0.57
0.21
0.78
Price/DCF (Earnings Based) 0.88
PFBI's Price/DCF (Earnings Based) is ranked lower than
60% of the 55 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.74 vs. PFBI: 0.88 )
Ranked among companies with meaningful Price/DCF (Earnings Based) only.
N/A
Price/Median PS Value 1.06
PFBI's Price/Median PS Value is ranked higher than
53% of the 1195 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.08 vs. PFBI: 1.06 )
Ranked among companies with meaningful Price/Median PS Value only.
PFBI' s 10-Year Price/Median PS Value Range
Min: 0.32  Med: 0.95 Max: 2.53
Current: 1.06
0.32
2.53
Price/Peter Lynch Fair Value 0.84
PFBI's Price/Peter Lynch Fair Value is ranked higher than
59% of the 336 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.97 vs. PFBI: 0.84 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
PFBI' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.25  Med: 0.93 Max: 5.7
Current: 0.84
0.25
5.7
Price/Graham Number 0.69
PFBI's Price/Graham Number is ranked higher than
69% of the 1086 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. PFBI: 0.69 )
Ranked among companies with meaningful Price/Graham Number only.
PFBI' s 10-Year Price/Graham Number Range
Min: 0.26  Med: 0.80 Max: 5.28
Current: 0.69
0.26
5.28
Earnings Yield (Greenblatt) (%) 40.71
PFBI's Earnings Yield (Greenblatt) (%) is ranked higher than
97% of the 1390 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. PFBI: 40.71 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
PFBI' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 1.3  Med: 25.55 Max: 1347.5
Current: 40.71
1.3
1347.5
Forward Rate of Return (Yacktman) (%) 22.71
PFBI's Forward Rate of Return (Yacktman) (%) is ranked higher than
69% of the 764 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.55 vs. PFBI: 22.71 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
PFBI' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: 4.6  Med: 12.40 Max: 41.7
Current: 22.71
4.6
41.7

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » 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.
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Headlines

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

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