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PFBI Premier Financial Bancorp

Premier Financial Bancorp, Inc. is a multi-bank holding company, which engages in the provision of community banking services. Its services includes deposit services includes checking accounts, NOW accounts, savings accounts, money market accounts, club accounts, individual retirement accounts, certificates of deposit, and overdraft protection. The company was founded in 1991 and is headquartered in Huntington, WV.

Company profile

Ticker
PFBI
Exchange
CEO
Robert W. Walker
Employees
Incorporated
Location
Fiscal year end
Industry (SIC)
SEC CIK
IRS number
611206757
SEC advisor number
801-38364
FINRA CRD number
107314
AUM ?
$626.41M (as of 16 Jun 20)
Accounts
1,131 (as of 16 Jun 20)
Employees
16 (10 investment advisory or research)
Address
Premier Financial Bancorp
2883 FIFTH AVENUE
HUNTINGTON
WV 25702
Phone
3045251600

PFBI stock data

(
)

Calendar

22 Mar 21
17 Apr 21
31 Dec 21
Quarter (USD)
Dec 20 Sep 20 Jun 20 Mar 20
Revenue
Cost of revenue
Operating income
Operating margin
Net income
Net profit margin
Cash on hand
Change in cash
Diluted EPS
Annual (USD)
Dec 20 Dec 19 Dec 18 Dec 17
Revenue
Cost of revenue
Operating income
Operating margin
Net income
Net profit margin
Cash on hand
Change in cash
Diluted EPS

Financial data from company earnings reports.

Date Owner Security Transaction Code Indirect 10b5-1 $Price #Shares $Value #Remaining
27 Jan 21 Whitt Katrina PFBI Common Stock Option exercise Aquire M No No 5.4327 1,928 10.47K 8,500
27 Jan 21 Whitt Katrina PFBI Common Stock Option exercise Aquire M No No 5.0545 1,018 5.15K 6,572
27 Jan 21 Whitt Katrina Employee Stock Option PFBI Common Option exercise Dispose M No No 5.0545 1,018 5.15K 0
27 Jan 21 Whitt Katrina Employee Stock Option PFBI Common Option exercise Dispose M No No 5.4327 1,928 10.47K 3,572
27 Jan 21 Michael Ray Mineer PFBI Common Option exercise Aquire M No No 5.4327 11,000 59.76K 50,990
27 Jan 21 Michael Ray Mineer PFBI Common Option exercise Aquire M No No 5.0545 11,000 55.6K 39,990
27 Jan 21 Michael Ray Mineer Employee Stock Option PFBI Common Option exercise Dispose M No No 5.0545 11,000 55.6K 0
27 Jan 21 Michael Ray Mineer Employee Stock Option PFBI Common Option exercise Dispose M No No 5.4327 11,000 59.76K 0
26 Jan 21 Chase Brien M PFBI Common Stock Option exercise Aquire M No No 10.4945 35 367.31 31,000
26 Jan 21 Chase Brien M PFBI Common Stock Option exercise Aquire M No No 8.2836 1,965 16.28K 30,965

Data for the last complete 13F reporting period. To see the most recent changes to ownership, click the ownership history button above.

30.3% owned by funds/institutions
13F holders
Current Prev Q Change
Total holders 53 56 -5.4%
Opened positions 2 6 -66.7%
Closed positions 5 1 +400.0%
Increased positions 20 9 +122.2%
Reduced positions 18 29 -37.9%
13F shares
Current Prev Q Change
Total value 106.42M 83.93M +26.8%
Total shares 4.45M 4.48M -0.8%
Total puts 0 0
Total calls 0 0
Total put/call ratio
Largest owners
Shares Value Change
Dimensional Fund Advisors 972.04K $12.92M -0.2%
BLK Blackrock 781.38K $10.38M +6.7%
Vanguard 494.18K $6.57M +1.1%
Pacific Ridge Capital Partners 346.77K $4.61M -10.8%
STT State Street 228.4K $3.04M +1.2%
Geode Capital Management 179.08K $2.38M +4.8%
Renaissance Technologies 173.69K $2.31M -4.1%
NTRS Northern Trust 170.21K $2.26M -6.0%
Context BH Capital Management 117.15K $1.56M +4.8%
Bridgeway Capital Management 103.59K $1.38M +1.7%
Largest transactions
Shares Bought/sold Change
BLK Blackrock 781.38K +49K +6.7%
Pacific Ridge Capital Partners 346.77K -42.06K -10.8%
Wbi Investments 19.48K -40.26K -67.4%
Martingale Asset Management L P 24.05K -31.13K -56.4%
JPM JPMorgan Chase & Co. 50.96K +27.72K +119.3%
Grantham, Mayo, Van Otterloo & Co. 0 -20.6K EXIT
BK Bank Of New York Mellon 68.62K -17.27K -20.1%
MS Morgan Stanley 24.75K +15.23K +160.0%
AMP Ameriprise Financial 14.87K +14.87K NEW
HBCYF HSBC 14.06K +14.06K NEW

Financial report summary

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Risks
  • Changes in interest rates could negatively impact the Company’s results of operations
  • Allowance for loan losses may be insufficient
  • Changes in energy and natural resource markets may increase credit risk in the loan portfolio
  • Regional economic changes in the Company’s markets could adversely impact results from operations
  • Concentration of commercial real estate and commercial business loans may increase credit risk in the loan portfolio
  • Extensive regulation and supervision
  • Dividend payments by subsidiaries to Premier and by Premier to its shareholders can be restricted.
  • The Company’s expenses will increase as a result of increases in FDIC insurance premiums.
  • Additional capital may not be available when needed or required by regulatory authorities
  • If a subsidiary bank’s current capital ratios decline below the regulatory threshold for an “adequately capitalized” institution, the bank will be considered “undercapitalized” which may have a material and adverse effect on Premier.
  • Strong competition within the Company’s market areas may limit profitability
  • Loss of large checking and money market deposit customers could increase cost of funds and have a negative effect on results of operations
  • Claims and litigation pertaining to fiduciary responsibility
  • Integration of current and future acquisitions may be more difficult than anticipated
  • Transition from London InterBank Offering Rate (“LIBOR”) as a floating rate index to a substitute could adversely affect financial markets generally.
  • New or revised tax, accounting and other laws, regulations, rules and standards could significantly impact strategic initiatives, results of operations and financial condition
  • Unauthorized disclosure of sensitive or confidential customer information and cyber-security breaches could severely harm the Company’s reputation and have a negative effect on results of operations.
  • The extended disruption of vital infrastructure could negatively impact the Company’s results of operations and financial condition
  • Defaults by another larger financial institution could adversely affect financial markets generally.
  • Market volatility may adversely affect market price of common stock or investment security values
  • Inability to hire and retain qualified employees
  • Great Britain’s exit from the European Union (“Brexit”) could adversely affect financial markets generally.
  • Issuance of preferred shares would impact net income available to common stockholders
  • Future issuances of common shares or other securities may dilute the value of outstanding common shares, which may also adversely affect their market price
Content analysis
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Negative
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