FD3 Stock Overview

Through its subsidiaries, provides various banking services. More details

FD3 fundamental analysis
Snowflake Score
Valuation	2/6
Future Growth	2/6
Past Performance	2/6
Financial Health	5/6
Dividends	5/6

Rewards

Trading at 62.5% below our estimate of its fair value

Earnings are forecast to grow 8.66% per year

Pays a reliable dividend of 4.3%

Risk Analysis

Shares are highly illiquid

Community vs My Fair Value

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Premier Financial Corp. Competitors

ProCredit Holding

XTRA:PCZ

€531.3m

ConnectOne Bancorp

NasdaqGS:CNOB

US$1.1b

Southside Bancshares

NYSE:SBSI

US$983.4m

Merkur PrivatBank KgaA

XTRA:MBK

€114.3m

Price History & Performance

Summary of share price highs, lows and changes for Premier Financial
Historical stock prices
Current Share Price	US$28.05
52 Week High	US$28.05
52 Week Low	US$26.40
Beta	1.27
1 Month Change	n/a
3 Month Change	n/a
1 Year Change	n/a
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	6.27%

Recent News & Updates

No updates

Recent updates

No updates

Shareholder Returns

	FD3	DE Banks	DE Market
7D	6.3%	5.4%	2.1%
1Y	n/a	37.2%	16.5%

Return vs Industry: Insufficient data to determine how FD3 performed against the German Banks industry.

Return vs Market: Insufficient data to determine how FD3 performed against the German Market.

Price Volatility

Is FD3's price volatile compared to industry and market?
FD3 volatility
FD3 Average Weekly Movement	n/a
Banks Industry Average Movement	3.2%
Market Average Movement	4.8%
10% most volatile stocks in DE Market	11.3%
10% least volatile stocks in DE Market	2.5%

Stable Share Price: FD3's share price has been volatile over the past 3 months compared to the German market.

Volatility Over Time: Insufficient data to determine FD3's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1920	984	Gary Small	www.premierfincorp.com

Premier Financial Corp., through its subsidiaries, provides various banking services. It offers demand, checking, money market, and savings accounts, as well as certificates of deposits and certificates of deposit account registry service; and investment products. The company also provides residential and commercial real estate, commercial, construction, home improvement and home equity, installment, and consumer loans.

Premier Financial Corp. Fundamentals Summary

How do Premier Financial's earnings and revenue compare to its market cap?
FD3 fundamental statistics
Market cap	€1.01b
Earnings (TTM)	€68.70m
Revenue (TTM)	€240.24m

14.5x

P/E Ratio

1.0x

P/B Ratio

Is FD3 overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
FD3 income statement (TTM)
Revenue	US$249.70m
Cost of Revenue	US$0
Gross Profit	US$249.70m
Other Expenses	US$178.30m
Earnings	US$71.40m

Last Reported Earnings

Dec 31, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	1.99
Gross Margin	100.00%
Net Profit Margin	28.60%
Debt/Equity Ratio	59.1%

How did FD3 perform over the long term?

See historical performance and comparison

Dividends

4.3%

Current Dividend Yield

62%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/02/12 10:53
End of Day Share Price	2025/02/12 00:00
Earnings	2024/12/31
Annual Earnings	2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Premier Financial Corp. is covered by 8 analysts. 3 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
Nicholas Cucharale	Hovde Group, LLC
Brendan Nosal	Hovde Group, LLC
Christopher Marinac	Janney Montgomery Scott LLC