DDM Analysis: PFC

Valuation Snapshot

Stable Growth	$47.54 - $146.53	$75.95
Multi-Stage	$32.78 - $35.75	$34.24
Blended Fair Value	$55.09
Current Price	$25.57
Upside	115.47%
Decision	Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
DPS	23.24%	22.29%	1.24	1.24	1.20	1.09	0.92	0.44	0.36	0.28	0.22	0.20
YoY Growth	-	-	0.32%	3.44%	9.88%	18.39%	110.56%	19.79%	32.30%	24.96%	10.21%	20.58%
Dividend Yield	-	-	4.86%	6.15%	5.77%	3.59%	2.77%	2.96%	1.25%	0.96%	0.89%	1.04%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)

Net Income To Common (M)	65.24
(-) Cash Dividends Paid (M)	44.41
(=) Cash Retained (M)	20.83

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	13.05	8.15	4.89
Cash Retained (M)	20.83	20.83	20.83
(-) Cash Required (M)	-13.05	-8.15	-4.89
(=) Excess Retained (M)	7.78	12.67	15.93
(/) Shares Outstanding (M)	35.77	35.77	35.77
(=) Excess Retained per Share	0.22	0.35	0.45
LTM Dividend per Share	1.24	1.24	1.24
(+) Excess Retained per Share	0.22	0.35	0.45
(=) Adjusted Dividend	1.46	1.60	1.69
WACC / Discount Rate	8.74%	8.74%	8.74%
Growth Rate	5.50%	6.50%	7.50%
Fair Value	$47.54	$75.95	$146.53
Upside / Downside	85.93%	197.03%	473.04%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	65.24	69.48	73.99	78.80	83.92	89.38	92.06
Payout Ratio	68.07%	72.46%	76.84%	81.23%	85.61%	90.00%	92.50%
Projected Dividends (M)	44.41	50.34	56.86	64.01	71.85	80.44	85.16

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	8.74%	8.74%	8.74%
Growth Rate	5.50%	6.50%	7.50%
Year 1 PV (M)	45.86	46.30	46.73
Year 2 PV (M)	47.19	48.09	49.00
Year 3 PV (M)	48.40	49.79	51.20
Year 4 PV (M)	49.49	51.39	53.35
Year 5 PV (M)	50.48	52.91	55.45
PV of Terminal Value (M)	931.31	976.30	1,023.00
Equity Value (M)	1,172.73	1,224.78	1,278.73
Shares Outstanding (M)	35.77	35.77	35.77
Fair Value	$32.78	$34.24	$35.75
Upside / Downside	28.22%	33.91%	39.80%

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Premier Financial Corp. (PFC)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

High-Yield Dividend Screener