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Premier Financial Bancorp (PFBI)

Premier Financial Bancorp, Inc. operates as a multi-bank holding company. The Banks attract deposits from the general public and use those funds to originate a variety of commercial and consumer loans.

Company profile

Ticker
PFBI
Exchange
CEO
Robert W. Walker
Employees
Incorporated
Location
Fiscal year end
Industry (SIC)
SEC CIK
Subsidiaries
Citizens Deposit Bank and Trust Company • Premier Bank, Inc. ...
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

12 Aug 21
26 Jun 22
31 Dec 22
Quarter (USD) Jun 21 Mar 21 Dec 20 Sep 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
Cash burn rate (est.) Burn method: Change in cash Burn method: Operating income Burn method: FCF (opex + capex)
Last Q Avg 4Q Last Q Avg 4Q Last Q Avg 4Q
Cash on hand (at last report) 164.84M 164.84M 164.84M 164.84M 164.84M 164.84M
Cash burn (monthly) 6.79M (no burn) (no burn) (no burn) (no burn) (no burn)
Cash used (since last report) 80.83M n/a n/a n/a n/a n/a
Cash remaining 84.01M n/a n/a n/a n/a n/a
Runway (months of cash) 12.4 n/a n/a n/a n/a n/a

Beta Read what these cash burn values mean

Date Owner Security Transaction Code Indirect 10b5-1 $Price #Shares $Value #Remaining
17 Sep 21 Toney K Adkins PFBI Common Sale back to company Dispose D No No 0 16,209 0 0
17 Sep 21 Philip E Cline PFBI Common Stock Sale back to company Dispose D No No 0 168,000 0 0
17 Sep 21 Harry Maxwell Hatfield Premier Financial Bancorp, Inc. Common Stock Sale back to company Dispose D No No 0 30,000 0 0
17 Sep 21 Lloyd George Jackson II PFBI Common Stock Sale back to company Dispose D No No 0 22,189 0 0
17 Sep 21 Thomas W Wright PFBI Common Stock Sale back to company Dispose D No No 0 8,258 0 0
0.2% owned by funds/institutions
13F holders Current Prev Q Change
Total holders 3 64 -95.3%
Opened positions 1 8 -87.5%
Closed positions 62 9 +588.9%
Increased positions 1 17 -94.1%
Reduced positions 0 27 EXIT
13F shares Current Prev Q Change
Total value 36.04M 80.82M -55.4%
Total shares 32.59K 4.8M -99.3%
Total puts 0 0
Total calls 0 0
Total put/call ratio
Largest owners Shares Value Change
Private Management 26.3K $443K 0.0%
BNP Paribas Arbitrage 3.29K $35.54M +99.2%
Security National Trust 3K $50K NEW
Largest transactions Shares Bought/sold Change
Dimensional Fund Advisors 0 -982.43K EXIT
BLK Blackrock 0 -738.89K EXIT
Vanguard 0 -535.07K EXIT
Pacific Ridge Capital Partners 0 -367.77K EXIT
Geode Capital Management 0 -214.37K EXIT
STT State Street 0 -208.36K EXIT
Chicago Capital Management 0 -199.12K EXIT
NTRS Northern Trust 0 -136.41K EXIT
Bridgeway Capital Management 0 -106.73K EXIT
Renaissance Technologies 0 -103.29K EXIT

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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Positive
Negative
Uncertain
Constraining
Legalese
Litigous
Readability
H.S. sophomore Avg
New words: advertising, disposition, eventually, month, postage, predominantly, prime, removal, reoccur, resumption, snow, travel, virtually
Removed: agency, April, computing, payroll, percentage, volume