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 5.73
PFBI's Cash-to-Debt is ranked higher than
65% of the 1366 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.88 vs. PFBI: 5.73 )
Ranked among companies with meaningful Cash-to-Debt only.
PFBI' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.3  Med: 0.86 Max: 8.97
Current: 5.73
0.3
8.97
Equity-to-Asset 0.12
PFBI's Equity-to-Asset is ranked higher than
71% of the 1372 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 4.07
PFBI's Interest Coverage is ranked higher than
76% of the 1606 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.67 vs. PFBI: 4.07 )
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: 4.07
0.85
4.8
Piotroski F-Score: 4
Beneish M-Score: -2.41
WACC vs ROIC
7.60%
13.44%
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 % 30.10
PFBI's Operating Margin % is ranked lower than
52% of the 1383 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.69 vs. PFBI: 30.10 )
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: 30.1
21.46
40.12
Net Margin % 19.41
PFBI's Net Margin % is ranked lower than
61% of the 1381 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.17 vs. PFBI: 19.41 )
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: 19.41
14.02
26.45
ROE % 7.08
PFBI's ROE % is ranked lower than
61% of the 1380 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.35 vs. PFBI: 7.08 )
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: 7.08
4.32
11.28
ROA % 0.83
PFBI's ROA % is ranked lower than
53% of the 1387 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. PFBI: 0.83 )
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: 0.83
0.62
1.31
3-Year Revenue Growth Rate 0.40
PFBI's 3-Year Revenue Growth Rate is ranked lower than
68% of the 1247 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.90 vs. PFBI: 0.40 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
PFBI' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -13.4  Med: 3.4 Max: 14.7
Current: 0.4
-13.4
14.7
3-Year EBITDA Growth Rate 8.70
PFBI's 3-Year EBITDA Growth Rate is ranked higher than
62% of the 1158 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.00 vs. PFBI: 8.70 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
PFBI' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -22.9  Med: 2.1 Max: 38.5
Current: 8.7
-22.9
38.5
3-Year EPS without NRI Growth Rate 6.30
PFBI's 3-Year EPS without NRI Growth Rate is ranked lower than
52% of the 1132 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. PFBI: 6.30 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
PFBI' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -38.2  Med: 2.1 Max: 54
Current: 6.3
-38.2
54
GuruFocus has detected 1 Warning Sign with Premier Financial Bancorp Inc $PFBI.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» PFBI's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q1 2016

PFBI Guru Trades in Q1 2016

Jim Simons 36,069 sh (+29.81%)
» More
Q2 2016

PFBI Guru Trades in Q2 2016

Jim Simons 73,800 sh (+104.61%)
» More
Q3 2016

PFBI Guru Trades in Q3 2016

Jim Simons 65,400 sh (-11.38%)
» More
Q4 2016

PFBI Guru Trades in Q4 2016

Jim Simons 74,431 sh (-5.94%)
» 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 )

Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
Compare:NAS:INBK, OTCPK:CSHX, NAS:CIVB, NAS:SONA, NAS:FGBI, NAS:UNB, NAS:ORRF, NAS:NRIM, AMEX:EVBN, OTCPK:FMAO, NAS:PVBC, NAS:HBMD, NAS:SFST, OTCPK:ISBA, NAS:ACNB, NAS:UNTY, NAS:SHBI, NAS:ESXB, NAS:CVLY, OTCBB:CZFS » details
Premier Financial Bancorp Inc is a multi-bank holding Company, which through its banking subsidiaries provides community banking services to individuals and small-to-medium sized businesses.

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.

Ratios

vs
industry
vs
history
PE Ratio 16.32
PFBI's PE Ratio is ranked lower than
58% of the 1316 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.29 vs. PFBI: 16.32 )
Ranked among companies with meaningful PE Ratio only.
PFBI' s PE Ratio Range Over the Past 10 Years
Min: 4.24  Med: 9.27 Max: 18.39
Current: 16.32
4.24
18.39
PE Ratio without NRI 16.32
PFBI's PE Ratio without NRI is ranked lower than
57% of the 1296 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.49 vs. PFBI: 16.32 )
Ranked among companies with meaningful PE Ratio without NRI only.
PFBI' s PE Ratio without NRI Range Over the Past 10 Years
Min: 4.27  Med: 9.26 Max: 18.31
Current: 16.32
4.27
18.31
Price-to-Owner-Earnings 16.62
PFBI's Price-to-Owner-Earnings is ranked lower than
55% of the 826 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.11 vs. PFBI: 16.62 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
PFBI' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 3.36  Med: 7.62 Max: 19.33
Current: 16.62
3.36
19.33
PB Ratio 1.12
PFBI's PB Ratio is ranked higher than
53% of the 1391 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. PFBI: 1.12 )
Ranked among companies with meaningful PB Ratio only.
PFBI' s PB Ratio Range Over the Past 10 Years
Min: 0.28  Med: 0.81 Max: 1.56
Current: 1.12
0.28
1.56
PS Ratio 3.21
PFBI's PS Ratio is ranked higher than
53% of the 1383 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.34 vs. PFBI: 3.21 )
Ranked among companies with meaningful PS Ratio only.
PFBI' s PS Ratio Range Over the Past 10 Years
Min: 0.68  Med: 2.22 Max: 4.44
Current: 3.21
0.68
4.44
Price-to-Free-Cash-Flow 12.45
PFBI's Price-to-Free-Cash-Flow is ranked higher than
57% of the 773 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.10 vs. PFBI: 12.45 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
PFBI' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 2.45  Med: 7.71 Max: 19.11
Current: 12.45
2.45
19.11
Price-to-Operating-Cash-Flow 11.90
PFBI's Price-to-Operating-Cash-Flow is ranked higher than
53% of the 824 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.79 vs. PFBI: 11.90 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
PFBI' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 2.32  Med: 7.11 Max: 15.48
Current: 11.9
2.32
15.48
EV-to-EBIT 7.06
PFBI's EV-to-EBIT is ranked higher than
73% of the 1066 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.64 vs. PFBI: 7.06 )
Ranked among companies with meaningful EV-to-EBIT only.
PFBI' s EV-to-EBIT Range Over the Past 10 Years
Min: -0.6  Med: 3.7 Max: 13.9
Current: 7.06
-0.6
13.9
EV-to-EBITDA 5.69
PFBI's EV-to-EBITDA is ranked higher than
75% of the 1072 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.46 vs. PFBI: 5.69 )
Ranked among companies with meaningful EV-to-EBITDA only.
PFBI' s EV-to-EBITDA Range Over the Past 10 Years
Min: -0.6  Med: 3.4 Max: 12.3
Current: 5.69
-0.6
12.3
PEG Ratio 1.31
PFBI's PEG Ratio is ranked higher than
55% of the 731 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.55 vs. PFBI: 1.31 )
Ranked among companies with meaningful PEG Ratio only.
PFBI' s PEG Ratio Range Over the Past 10 Years
Min: 0.24  Med: 0.97 Max: 5.63
Current: 1.31
0.24
5.63
Shiller PE Ratio 15.34
PFBI's Shiller PE Ratio is ranked higher than
74% of the 490 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.81 vs. PFBI: 15.34 )
Ranked among companies with meaningful Shiller PE Ratio only.
PFBI' s Shiller PE Ratio Range Over the Past 10 Years
Min: 6.56  Med: 11.85 Max: 31.06
Current: 15.34
6.56
31.06

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 2.98
PFBI's Dividend Yield % is ranked higher than
56% of the 2324 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.67 vs. PFBI: 2.98 )
Ranked among companies with meaningful Dividend Yield % only.
PFBI' s Dividend Yield % Range Over the Past 10 Years
Min: 0.33  Med: 3.34 Max: 9.01
Current: 2.98
0.33
9.01
Dividend Payout Ratio 0.48
PFBI's Dividend Payout Ratio is ranked lower than
73% of the 1297 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. PFBI: 0.48 )
Ranked among companies with meaningful Dividend Payout Ratio only.
PFBI' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.08  Med: 0.3 Max: 0.48
Current: 0.48
0.08
0.48
3-Year Dividend Growth Rate 36.50
PFBI's 3-Year Dividend Growth Rate is ranked higher than
89% of the 755 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.70 vs. PFBI: 36.50 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
PFBI' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: -100 Max: 63.8
Current: 36.5
0
63.8
Forward Dividend Yield % 3.22
PFBI's Forward Dividend Yield % is ranked higher than
56% of the 2258 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.84 vs. PFBI: 3.22 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 3.05
PFBI's 5-Year Yield-on-Cost % is ranked lower than
55% of the 2647 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.35 vs. PFBI: 3.05 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
PFBI' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.33  Med: 3.34 Max: 9.01
Current: 3.05
0.33
9.01
3-Year Average Share Buyback Ratio -0.90
PFBI's 3-Year Average Share Buyback Ratio is ranked higher than
57% of the 977 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.70 vs. PFBI: -0.90 )
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: -14.9  Med: -0.4 Max: 0
Current: -0.9
-14.9
0

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.45
PFBI's Price-to-Tangible-Book is ranked lower than
60% of the 1384 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.25 vs. PFBI: 1.45 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
PFBI' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.39  Med: 1.17 Max: 3.19
Current: 1.45
0.39
3.19
Price-to-Intrinsic-Value-Projected-FCF 0.68
PFBI's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
66% of the 869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.83 vs. PFBI: 0.68 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
PFBI' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.17  Med: 0.46 Max: 0.78
Current: 0.68
0.17
0.78
Price-to-Median-PS-Value 1.44
PFBI's Price-to-Median-PS-Value is ranked lower than
71% of the 1288 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. PFBI: 1.44 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
PFBI' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.32  Med: 0.99 Max: 2.41
Current: 1.44
0.32
2.41
Price-to-Peter-Lynch-Fair-Value 1.40
PFBI's Price-to-Peter-Lynch-Fair-Value is ranked lower than
59% of the 420 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. PFBI: 1.40 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
PFBI' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.23  Med: 0.96 Max: 5.18
Current: 1.4
0.23
5.18
Price-to-Graham-Number 1.03
PFBI's Price-to-Graham-Number is ranked lower than
55% of the 1224 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.94 vs. PFBI: 1.03 )
Ranked among companies with meaningful Price-to-Graham-Number only.
PFBI' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.33  Med: 0.75 Max: 5.98
Current: 1.03
0.33
5.98
Earnings Yield (Greenblatt) % 14.15
PFBI's Earnings Yield (Greenblatt) % is ranked higher than
80% of the 1405 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.60 vs. PFBI: 14.15 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
PFBI' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 7.2  Med: 27.1 Max: 1392.2
Current: 14.15
7.2
1392.2
Forward Rate of Return (Yacktman) % 20.66
PFBI's Forward Rate of Return (Yacktman) % is ranked higher than
74% of the 881 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.03 vs. PFBI: 20.66 )
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: 8.1  Med: 19.4 Max: 43.3
Current: 20.66
8.1
43.3

More Statistics

Revenue (TTM) (Mil) $59.87
EPS (TTM) $ 1.15
Beta0.58
Short Percentage of Float0.74%
52-Week Range $13.27 - 21.24
Shares Outstanding (Mil)10.63
» 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 posts 4Q profit Mar 01 2017
Premier Financial posts 4Q profit Mar 01 2017
Premier Financial Bancorp, Inc. Announces 2016 Annual Financial Results Mar 01 2017
PREMIER FINANCIAL BANCORP INC Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and... Feb 21 2017
Premier Financial Bancorp, Inc. Announces First Quarter Dividend Feb 21 2017
Premier Financial Bancorp, Inc. : PFBI-US: Dividend Analysis : December 15th, 2016 (record date) :... Feb 01 2017
ETFs with exposure to Premier Financial Bancorp, Inc. : December 9, 2016 Dec 09 2016
PREMIER FINANCIAL BANCORP INC Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and... Nov 21 2016
Premier Financial Bancorp, Inc. Announces 10% Stock Dividend And Fourth Quarter Cash Dividend Nov 21 2016
PREMIER FINANCIAL BANCORP INC Financials Nov 17 2016
PREMIER FINANCIAL BANCORP INC Files SEC form 10-Q, Quarterly Report Nov 09 2016
Premier Financial Bancorp, Inc. :PFBI-US: Earnings Analysis: Q3, 2016 By the Numbers : November 4,... Nov 04 2016
PREMIER FINANCIAL BANCORP INC Files SEC form 8-K, Results of Operations and Financial Condition,... Nov 01 2016
Premier Financial Bancorp, Inc. Reports Third Quarter 2016 Earnings Nov 01 2016
Premier Financial Bancorp, Inc. : PFBI-US: Dividend Analysis : September 15th, 2016 (record date) :... Oct 21 2016
PREMIER FINANCIAL BANCORP INC Files SEC form 8-K, Creation of a Direct Financial Obligation or an... Sep 13 2016
PREMIER FINANCIAL BANCORP INC Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and... Aug 23 2016
Premier Financial Bancorp, Inc. Announces Third Quarter Dividend Aug 23 2016
PREMIER FINANCIAL BANCORP INC Files SEC form 8-K, Creation of a Direct Financial Obligation or an... Aug 17 2016
Premier Financial Bancorp, Inc. :PFBI-US: Earnings Analysis: Q2, 2016 By the Numbers : August 15,... Aug 15 2016

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)