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TelegramPremier Financial Bancorp, Inc. Financial Ratios 2020-2011 | PFBI
Brief overview of Premier Financial Bancorp, Inc.'s valuation multiples
The comparison uses the five latest available annual observations between 2016 and 2020.
Key multiples at the end of the period are P/E 9.97x (median 10.43x), P/B 0.86x (median 1.05x), P/CF 7.93x (median 9.13x). Multiples are on average 13.1% below their own medians. Shares look cheaper than their recent historical valuation.
At the current P/E, inverse earnings yield is 10%, a useful bridge between price and business earnings.
Returns on assets and capital are represented by ROE 8.6%, ROA 1.2%, ROCE 0.9%. Efficiency ratios are restrained, with capital and assets producing modest returns.
PEG is 0.91x. Price relative to expected growth is in a moderate range.
Banks and insurers require sector-specific reading: the value and return on capital matter more than standard industrial multiples.
Valuation takeaway
Premier Financial Bancorp, Inc. trades below its own history, but weak profitability may explain the discount. Low multiples alone do not prove undervaluation.
Annual Financial Ratios Premier Financial Bancorp, Inc.
| 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E |
10.0 | 10.4 | 9.8 | 13.8 | 16.1 | 11.1 | 10.1 | 9.6 | 9.3 | 6.6 |
P/S |
- | 3.3 | 2.9 | 3.1 | 3.2 | 2.5 | 2.4 | 2.5 | 1.8 | 0.9 |
EV/EBITDA |
10.7 | - | - | - | - | - | - | - | - | - |
PEG |
-1.23 | 0.91 | 0.3 | 0.7 | -1.0 | -5.72 | -7.92 | 0.42 | 0.13 | -0.26 |
P/B |
0.9 | 1.1 | 0.9 | 1.1 | 1.1 | 0.9 | 0.9 | 0.9 | 0.7 | 0.3 |
P/CF |
7.9 | 9.1 | 8.3 | 10.8 | 11.2 | 8.7 | 7.7 | 9.6 | 5.9 | 3.5 |
ROE % |
8.63 | 10.07 | 9.31 | 8.08 | 6.99 | 8.45 | 9.02 | 9.00 | 7.15 | 4.98 |
ROA % |
1.15 | 1.36 | 1.19 | 0.99 | 0.81 | 1.00 | 1.05 | 1.20 | 0.92 | 0.64 |
ROCE % |
0.88 | - | - | - | - | - | - | - | - | - |
DSO |
- | 22.5 | 22.8 | 22.3 | 22.8 | 20.8 | 21.2 | 22.2 | 23.2 | 25.0 |
All numbers in USD currency
Multiples are an important financial analysis tool for the company Premier Financial Bancorp, Inc., allowing investors and analysts to quickly assess the company’s value and investment attractiveness based on the ratio of market indicators to the company’s financial performance. Essentially, multiples express how the market values the company relative to its earnings, revenue, equity, or other key metrics.
Advantages of Using Financial Ratios- Simplified Data Analysis
Financial ratios transform large volumes of accounting data into compact and easily interpretable indicators, significantly simplifying the assessment of the company’s condition. - Comparability Between Companies
Multiples standardize financial metrics, enabling objective comparison of companies of different sizes, industries, and market capitalizations. - Identification of Trends and Issues
Regular analysis of ratios helps track the dynamics of financial health, identify strengths and weaknesses of the business, as well as potential risks. - Decision Support
Financial multiples serve as an important tool for investors, creditors, and company management in making investment, credit, and managerial decisions. - Accelerated Assessment of Investment Attractiveness
Ratios allow quick determination of key performance, liquidity, and financial stability indicators, facilitating prompt evaluation of companies’ attractiveness for investments.
Using multiples enables comparison between companies, even if they differ in size or industry, as they standardize financial data into ratios convenient for analysis. This is especially useful for evaluating companies where direct analysis of financial statements may be complex or require in-depth knowledge.
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