Event-Driven Stocks

PREMIER FINANCIAL CORP

PFC

Financials · State Commercial Banks · OH · SEC filings ↗ · Compare ⊕

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Signs● 2 good● 1 warningdetails ↓

Financials

SEC XBRL · annual
 FY24FY23FY22FY21FY20FY19
Revenue——————
Operating income——————
Net income$17.8M$18.1M$102.2M$126.1M−$22.5M$11.5M
Total assets$8.58B$8.63B$8.46B$7.48B$7.21B$3.47B
Total liabilities$7.58B$7.65B$7.57B$6.46B$6.23B$3.04B
Equity$1.00B$975.6M$887.7M$1.02B$982.3M$426.2M
EPS (diluted)$0.50$0.51$2.85$3.39$-0.71$0.57
Shares out.35.7M35.6M36.4M37.3M37.7M20.1M

Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.

Key ratios

from filings · FY2024
Operating margin
—
Net margin
—
Return on equity
1.8%
Return on assets
0.2%
Return on capital (ROCE)
—
Liabilities / assets
88.3%
Debt / equity
7.57×
Book value / share
$28.04
Revenue growth (YoY)
—
Net income growth (YoY)
−2.0%

Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.

Financial health

forensic scores · FY2024
Accruals / assets
−0.9%clean
Piotroski F-Score
4/6mixed

Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.

Quality score

EDS Score
57
/ 100
Profitability 100Growth 0Catalyst 33Earnings quality 100Financial strength 50

Our own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast. What these scores mean →

Signs

● 1 warning● 2 good
  • High leverage (liabilities > 70% of assets)
  • Positive operating cash flow
  • Clean earnings (low accruals)

Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.

5%+ owners

SEC Schedule 13D / 13G · last 3 yrs

Holders who disclosed a 5%+ stake. 13D signals intent to influence or control; 13G is a passive holding. Latest filing per holder — open it for the exact stake.

Material events

SEC Form 8-K · most recent

Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.

Recent SEC filings

All filings ↗

Event-driven situations (1)

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