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Premier Financial (Premier Financial) Cyclically Adjusted Price-to-FCF : 9.26 (As of May. 15, 2024)


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What is Premier Financial Cyclically Adjusted Price-to-FCF?

As of today (2024-05-15), Premier Financial's current share price is $21.03. Premier Financial's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2024 was $2.27. Premier Financial's Cyclically Adjusted Price-to-FCF for today is 9.26.

The historical rank and industry rank for Premier Financial's Cyclically Adjusted Price-to-FCF or its related term are showing as below:

PFC' s Cyclically Adjusted Price-to-FCF Range Over the Past 10 Years
Min: 6.32   Med: 13.46   Max: 22.91
Current: 9.28

During the past years, Premier Financial's highest Cyclically Adjusted Price-to-FCF was 22.91. The lowest was 6.32. And the median was 13.46.

PFC's Cyclically Adjusted Price-to-FCF is ranked worse than
61.94% of 833 companies
in the Banks industry
Industry Median: 7.55 vs PFC: 9.28

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

Premier Financial's adjusted free cash flow per share data for the three months ended in Mar. 2024 was $0.376. Add all the adjusted free cash flow per share for the past 10 years together and divide 10 will get our Cyclically Adjusted FCF per Share, which is $2.27 for the trailing ten years ended in Mar. 2024.

Shiller PE for Stocks: The True Measure of Stock Valuation


Premier Financial Cyclically Adjusted Price-to-FCF Historical Data

The historical data trend for Premier Financial's Cyclically Adjusted Price-to-FCF can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

Premier Financial Cyclically Adjusted Price-to-FCF Chart

Premier Financial Annual Data
Trend Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23
Cyclically Adjusted Price-to-FCF
Get a 7-Day Free Trial Premium Member Only Premium Member Only 17.02 15.40 17.10 12.10 10.66

Premier Financial Quarterly Data
Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24
Cyclically Adjusted Price-to-FCF Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 9.33 7.08 7.59 10.66 8.96

Competitive Comparison of Premier Financial's Cyclically Adjusted Price-to-FCF

For the Banks - Regional subindustry, Premier Financial's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Premier Financial's Cyclically Adjusted Price-to-FCF Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Premier Financial's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where Premier Financial's Cyclically Adjusted Price-to-FCF falls into.



Premier Financial Cyclically Adjusted Price-to-FCF Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted Price-to-FCF takes the Free Cash Flow per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/FCF calculation. Because it considers this 10-year average, it's often referred to as the CAPFCF Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF.

Premier Financial's Cyclically Adjusted Price-to-FCF for today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/ Cyclically Adjusted FCF per Share
=21.03/2.27
=9.26

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Premier Financial's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2024 is calculated as:

For example, Premier Financial's adjusted Free Cash Flow per Share data for the three months ended in Mar. 2024 was:

Adj_FreeCashFlowPerShare=Free Cash Flow per Share/CPI of Mar. 2024 (Change)*Current CPI (Mar. 2024)
=0.376/129.4194*129.4194
=0.376

Current CPI (Mar. 2024) = 129.4194.

Premier Financial Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201406 0.214 100.560 0.275
201409 0.379 100.428 0.488
201412 0.433 99.070 0.566
201503 0.105 99.621 0.136
201506 0.335 100.684 0.431
201509 0.560 100.392 0.722
201512 0.549 99.792 0.712
201603 0.236 100.470 0.304
201606 -0.008 101.688 -0.010
201609 0.600 101.861 0.762
201612 0.549 101.863 0.698
201703 0.368 102.862 0.463
201706 0.280 103.349 0.351
201709 0.333 104.136 0.414
201712 0.646 104.011 0.804
201803 0.410 105.290 0.504
201806 0.126 106.317 0.153
201809 0.935 106.507 1.136
201812 0.917 105.998 1.120
201903 0.443 107.251 0.535
201906 0.138 108.070 0.165
201909 0.262 108.329 0.313
201912 0.990 108.420 1.182
202003 0.399 108.902 0.474
202006 -1.323 108.767 -1.574
202009 -0.930 109.815 -1.096
202012 0.280 109.897 0.330
202103 0.648 111.754 0.750
202106 1.074 114.631 1.213
202109 1.254 115.734 1.402
202112 1.388 117.630 1.527
202203 0.872 121.301 0.930
202206 1.119 125.017 1.158
202209 1.245 125.227 1.287
202212 1.640 125.222 1.695
202303 0.524 127.348 0.533
202306 0.412 128.729 0.414
202309 0.283 129.860 0.282
202312 0.744 129.419 0.744
202403 0.376 129.419 0.376

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.


Premier Financial  (NAS:PFC) Cyclically Adjusted Price-to-FCF Explanation

Compared with the regular Price-to-Free-Cash-Flow, which works poorly for cyclical businesses, the Cyclically Adjusted Price-to-FCF smoothed out the fluctuations of free cash flow during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted Price-to-FCF should give similar results to regular Price-to-Free-Cash-Flow.


Premier Financial Cyclically Adjusted Price-to-FCF Related Terms

Thank you for viewing the detailed overview of Premier Financial's Cyclically Adjusted Price-to-FCF provided by GuruFocus.com. Please click on the following links to see related term pages.


Premier Financial (Premier Financial) Business Description

Industry
Traded in Other Exchanges
N/A
Address
601 Clinton Street, Defiance, OH, USA, 43512
Premier Financial Corp is a financial holding company that operates as a community banking and financial services corporation. It offers a broad range of financial services through its subsidiaries including checking accounts, savings accounts, certificates of deposit, real estate mortgage loans, commercial loans, consumer loans, home equity loans, and trust and wealth management services.
Executives
Rose Dennis E Jr officer: EVP, First Federal Bank 601 CLINTON STREET, DEFIANCE OH 43512
Donald P. Hileman officer: Executive Vice President, CFO 601 CLINTON STREET, DEFIANCE OH 43512
Rick L. Hull officer: EVP Head of Commercial Banking 44 AUBURN AVENUE SE, NORTH CANTON OH 44720
John Michael Houpt officer: EVP, Chief Credit Officer 601 CLINTON STREET, DEFIANCE OH 43512
Louis Michael Altman director 1111 EASTWOOD STREET NE, CANTON OH 44714
Craig Sciara officer: EVP, Chief Credit Officer 601 CLINTON STREET, DEFIANCE OH 43512
Terri A Bettinger director 601 CLINTON STREET, DEFIANCE OH 43512
Richard J Schiraldi director 275 FEDERAL PLAZA WEST, YOUNGSTOWN OH 44503
Jason Gendics officer: See Remarks 275 WEST FEDERAL STREET, YOUNGSTOWN OH 44503-1203
Nikki Robinson Lanier director 601 CLINTON STREET, DEFIANCE OH 43512
Samuel S Strausbaugh director 601 CLINTON ST., DEFIANCE OH 43512
Varun Chandhok officer: EVP, Chief Information Officer 601 CLINTON STREET, DEFIANCE OH 43512
Tina Nutter officer: EVP, Chief Risk Officer 601 CLINTON STREET, DEFIANCE OH 43512
Shannon M Kuhl officer: EVP, Chief Legal Officer 255 E FIFTH STREET, SUITE 2900, CINCINNATI OH 45202
Jude J. Nohra officer: See Remarks 275 FEDERAL PLAZA WEST, YOUNGSTOWN OH 44503

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