ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Premier Financial Corp. ?
1
Strong lending practices with low Gross NPA ratio of 1.25%
2
Flat results in Dec 24
- NET PROFIT(9M) At USD 53.34 MM has Grown at -42.67%
- GROSS NPA (%)(Q) Highest at 1.25%
3
With ROE of 7.1, it has a fair valuation with a 1 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 0%, its profits have fallen by -36.1%
- At the current price, the company has a high dividend yield of 220.5
4
High Institutional Holdings at 76.53%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 2.11% over the previous quarter.
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Premier Financial Corp. should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Premier Financial Corp. for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
Premier Financial Corp.
47.97%
1.36
35.34%
S&P 500
13.22%
0.61
20.23%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
22.72%
EBIT Growth (5y)
4.99%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
52.23%
Pledged Shares
0
Institutional Holding
76.53%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
14
Industry P/E
Price to Book Value
1.00
EV to EBIT
15.60
EV to EBITDA
13.99
EV to Capital Employed
1.00
EV to Sales
3.28
PEG Ratio
NA
Dividend Yield
220.46%
ROCE (Latest)
6.43%
ROE (Latest)
7.09%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Mildly Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Bearish
Bearish
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend
Not enough Data to analyse Financial Trend
Not enough Data to analyse Financial Trend
Here's what is working for Premier Financial Corp.
Operating Profit
Highest at USD 28.09 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 28.76 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 26.05 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 20.66 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 0.58
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Cash and Eqv
Highest at USD 167.95 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
CASA
Highest at 13.13%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
Here's what is not working for Premier Financial Corp.
Non Performing Loans (%)
Highest at 1.25% and Grown
In each half year in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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