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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
81% of the 1748 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.86 vs. PFBI: 7.72 )
PFBI' s 10-Year Cash to Debt Range
Min: 0.3   Max: 7.72
Current: 7.72

0.3
7.72
Equity to Asset 0.12
PFBI's Equity to Asset is ranked higher than
81% of the 2312 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. PFBI: 0.12 )
PFBI' s 10-Year Equity to Asset Range
Min: 0.06   Max: 0.22
Current: 0.12

0.06
0.22
Interest Coverage 4.69
PFBI's Interest Coverage is ranked higher than
89% of the 2185 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. PFBI: 4.69 )
PFBI' s 10-Year Interest Coverage Range
Min: 0.04   Max: 4.69
Current: 4.69

0.04
4.69
F-Score: 5
Z-Score: 0.25
WACC vs ROIC
8.88%
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
81% of the 2426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.22 vs. PFBI: 34.98 )
PFBI' s 10-Year Operating margin (%) Range
Min: -64.09   Max: 40.12
Current: 34.98

-64.09
40.12
Net-margin (%) 22.69
PFBI's Net-margin (%) is ranked higher than
76% of the 2426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.12 vs. PFBI: 22.69 )
PFBI' s 10-Year Net-margin (%) Range
Min: -41.71   Max: 30.9
Current: 22.69

-41.71
30.9
ROE (%) 8.45
PFBI's ROE (%) is ranked higher than
73% of the 2426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.98 vs. PFBI: 8.45 )
PFBI' s 10-Year ROE (%) Range
Min: -19.08   Max: 13.87
Current: 8.45

-19.08
13.87
ROA (%) 1.02
PFBI's ROA (%) is ranked higher than
81% of the 2433 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. PFBI: 1.02 )
PFBI' s 10-Year ROA (%) Range
Min: -1.49   Max: 1.46
Current: 1.02

-1.49
1.46
ROC (Joel Greenblatt) (%) 95.83
PFBI's ROC (Joel Greenblatt) (%) is ranked higher than
77% of the 2392 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 89.92 vs. PFBI: 95.83 )
PFBI' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -146.52   Max: 166.32
Current: 95.83

-146.52
166.32
Revenue Growth (3Y)(%) 0.40
PFBI's Revenue Growth (3Y)(%) is ranked higher than
69% of the 2094 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.20 vs. PFBI: 0.40 )
PFBI' s 10-Year Revenue Growth (3Y)(%) Range
Min: -13.4   Max: 14.7
Current: 0.4

-13.4
14.7
EBITDA Growth (3Y)(%) 21.70
PFBI's EBITDA Growth (3Y)(%) is ranked higher than
90% of the 1872 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.10 vs. PFBI: 21.70 )
PFBI' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -23.1   Max: 38.7
Current: 21.7

-23.1
38.7
EPS Growth (3Y)(%) 25.40
PFBI's EPS Growth (3Y)(%) is ranked higher than
89% of the 1904 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.20 vs. PFBI: 25.40 )
PFBI' s 10-Year EPS Growth (3Y)(%) Range
Min: -38.2   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

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Ratios

vs
industry
vs
history
P/E(ttm) 10.60
PFBI's P/E(ttm) is ranked higher than
89% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.40 vs. PFBI: 10.60 )
PFBI' s 10-Year P/E(ttm) Range
Min: 4.22   Max: 21.31
Current: 10.6

4.22
21.31
Forward P/E 9.03
PFBI's Forward P/E is ranked higher than
92% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. PFBI: 9.03 )
N/A
PE(NRI) 10.60
PFBI's PE(NRI) is ranked higher than
90% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.40 vs. PFBI: 10.60 )
PFBI' s 10-Year PE(NRI) Range
Min: 4.21   Max: 69.94
Current: 10.6

4.21
69.94
P/B 0.82
PFBI's P/B is ranked higher than
87% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.40 vs. PFBI: 0.82 )
PFBI' s 10-Year P/B Range
Min: 0.29   Max: 1.58
Current: 0.82

0.29
1.58
P/S 2.32
PFBI's P/S is ranked higher than
80% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.73 vs. PFBI: 2.32 )
PFBI' s 10-Year P/S Range
Min: 0.68   Max: 4.44
Current: 2.32

0.68
4.44
PFCF 7.84
PFBI's PFCF is ranked higher than
87% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. PFBI: 7.84 )
PFBI' s 10-Year PFCF Range
Min: 2.51   Max: 700
Current: 7.84

2.51
700
POCF 7.16
PFBI's POCF is ranked higher than
88% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 194.36 vs. PFBI: 7.16 )
PFBI' s 10-Year POCF Range
Min: 2.35   Max: 116.67
Current: 7.16

2.35
116.67
EV-to-EBIT 2.45
PFBI's EV-to-EBIT is ranked higher than
99% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.17 vs. PFBI: 2.45 )
PFBI' s 10-Year EV-to-EBIT Range
Min: -32   Max: 75.9
Current: 2.45

-32
75.9
PEG 1.14
PFBI's PEG is ranked higher than
92% of the 3226 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. PFBI: 1.14 )
PFBI' s 10-Year PEG Range
Min: 0.23   Max: 19.31
Current: 1.14

0.23
19.31
Shiller P/E 11.83
PFBI's Shiller P/E is ranked higher than
94% of the 3226 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. PFBI: 11.83 )
PFBI' s 10-Year Shiller P/E Range
Min: 3.6   Max: 1643
Current: 11.83

3.6
1643
Days Sales Outstanding 20.37
PFBI's Days Sales Outstanding is ranked higher than
95% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. PFBI: 20.37 )
PFBI' s 10-Year Days Sales Outstanding Range
Min: 21.23   Max: 119.21
Current: 20.37

21.23
119.21

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.34
PFBI's Dividend Yield is ranked higher than
69% of the 2288 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.49 vs. PFBI: 3.34 )
PFBI' s 10-Year Dividend Yield Range
Min: 0.33   Max: 9.02
Current: 3.34

0.33
9.02
Dividend Payout 0.35
PFBI's Dividend Payout is ranked higher than
78% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.69 vs. PFBI: 0.35 )
PFBI' s 10-Year Dividend Payout Range
Min: 0.16   Max: 1
Current: 0.35

0.16
1
Yield on cost (5-Year) 3.30
PFBI's Yield on cost (5-Year) is ranked higher than
59% of the 2296 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.82 vs. PFBI: 3.30 )
PFBI' s 10-Year Yield on cost (5-Year) Range
Min: 0.33   Max: 9.02
Current: 3.3

0.33
9.02
Share Buyback Rate -2.30
PFBI's Share Buyback Rate is ranked higher than
70% of the 1722 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.70 vs. PFBI: -2.30 )
PFBI' s 10-Year Share Buyback Rate Range
Min: 0.4   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
82% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.66 vs. PFBI: 1.09 )
PFBI' s 10-Year Price/Tangible Book Range
Min: 0.39   Max: 3.24
Current: 1.09

0.39
3.24
Price/DCF (Projected) 0.54
PFBI's Price/DCF (Projected) is ranked higher than
92% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. PFBI: 0.54 )
PFBI' s 10-Year Price/DCF (Projected) Range
Min: 0.19   Max: 0.78
Current: 0.54

0.19
0.78
Price/Median PS Value 1.06
PFBI's Price/Median PS Value is ranked higher than
80% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. PFBI: 1.06 )
PFBI' s 10-Year Price/Median PS Value Range
Min: 0.32   Max: 2.53
Current: 1.06

0.32
2.53
Price/Peter Lynch Fair Value 0.83
PFBI's Price/Peter Lynch Fair Value is ranked higher than
95% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. PFBI: 0.83 )
PFBI' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.25   Max: 5.7
Current: 0.83

0.25
5.7
Price/Graham Number 0.69
PFBI's Price/Graham Number is ranked higher than
89% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. PFBI: 0.69 )
PFBI' s 10-Year Price/Graham Number Range
Min: 0.26   Max: 5.28
Current: 0.69

0.26
5.28
Earnings Yield (Greenblatt) 40.80
PFBI's Earnings Yield (Greenblatt) is ranked higher than
98% of the 2417 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. PFBI: 40.80 )
PFBI' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.3   Max: 1347.5
Current: 40.8

1.3
1347.5
Forward Rate of Return (Yacktman) 24.36
PFBI's Forward Rate of Return (Yacktman) is ranked higher than
82% of the 1444 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.67 vs. PFBI: 24.36 )
PFBI' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 6.6   Max: 41.7
Current: 24.36

6.6
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.
» 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 

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