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Definitive Analysis

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Premier Financial Corp. (PFC)

Company Dividend Discount ModelIndustry: Banks - RegionalSector: Financial Services

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
Upside115.47%
DecisionBuy

Dividend History & Growth Metrics (10Y)

Metric5Y CAGR10Y CAGR2024202320222021202020192018201720162015
DPS23.24%22.29%1.241.241.201.090.920.440.360.280.220.20
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
MetricLOWBASEHIGH
Required Retention Ratio20.0%12.5%7.5%
(=) Cash Required (M)13.058.154.89
Cash Retained (M)20.8320.8320.83
(-) Cash Required (M)-13.05-8.15-4.89
(=) Excess Retained (M)7.7812.6715.93
(/) Shares Outstanding (M)35.7735.7735.77
(=) Excess Retained per Share0.220.350.45
LTM Dividend per Share1.241.241.24
(+) Excess Retained per Share0.220.350.45
(=) Adjusted Dividend1.461.601.69
WACC / Discount Rate8.74%8.74%8.74%
Growth Rate5.50%6.50%7.50%
Fair Value$47.54$75.95$146.53
Upside / Downside85.93%197.03%473.04%

Multi-Stage Model: Projections

(USD in Millions)
MetricTTMDec-27Dec-28Dec-29Dec-30Dec-31Terminal
Net Income (M)65.2469.4873.9978.8083.9289.3892.06
Payout Ratio68.07%72.46%76.84%81.23%85.61%90.00%92.50%
Projected Dividends (M)44.4150.3456.8664.0171.8580.4485.16

Multi-Stage Valuation

MetricLOWBASEHIGH
WACC / Discount Rate8.74%8.74%8.74%
Growth Rate5.50%6.50%7.50%
Year 1 PV (M)45.8646.3046.73
Year 2 PV (M)47.1948.0949.00
Year 3 PV (M)48.4049.7951.20
Year 4 PV (M)49.4951.3953.35
Year 5 PV (M)50.4852.9155.45
PV of Terminal Value (M)931.31976.301,023.00
Equity Value (M)1,172.731,224.781,278.73
Shares Outstanding (M)35.7735.7735.77
Fair Value$32.78$34.24$35.75
Upside / Downside28.22%33.91%39.80%

High-Yield Dividend Screener

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