Premier Financial's Competitiveness
A competitive positioning analysis and financial ratio benchmarking of Premier Financial (PFC) against its publicly traded competitors: sales growth, net income, profitability, valuation and market share, plus each peer's market capitalization, revenue, income and employees. Free below: the top 5 peers. Subscriber access adds the full competitor list and CSV downloads.
Key Findings: Premier Financial vs Its Competitors
- TTM: Trailing 12-month revenue of 249M vs 129,206M combined for tracked competitors (0.2% combined share).
- Trending: Latest-quarter revenue run-rate is accelerating (+5.0% annualized vs trailing 12 months), vs decelerating (-15.6%) for its tracked peer group.
- Growth: Premier Financial generated 4.4% revenue growth year over year in Q4 2024, vs 23.8% for its tracked competitors combined.
- Profitability: Its 31.8% net margin compares with 26.5% for the peer group.
- Peer revenue share: Premier Financial accounted for 0.2% of combined revenue among its tracked peer group, down from 0.3% a year earlier.
- Peer differentiation: Revenue per employee of $0.62M compares with $0.55M for the peer group (1.1x).
Every figure above is sourced and cited in detail further down this page (Market Structure, Profitability & Cost Structure, Productivity vs Peers).
PFC Sales vs. its Competitors, Q4 2024
Premier Financial reported revenue growth of 4.42 % year on year in Q4 2024, below its competitors' combined revenue growth of 23.84 %.
With a net margin of 31.79 %, Premier Financial achieved higher profitability than its competitors (26.46 %).
Premier Financial generated 0.24 % of the combined sales of its peer group, down from 0.28 % a year earlier.
Premier Financial vs. its Competitors, Q4 2024
Revenue growth, year on year
Net income growth, year on year
Net margin
Revenue run-rate vs trailing 12 months
TTM net margin
TTM = trailing twelve months. Run-rate annualizes the latest quarter (×4) and compares it to TTM. In millions of $. High-Confidence Competitors are named as a competitor directly in an SEC filing; Similar-Size Competitors are the closest peers by market-cap rank within the same industry; Similar Growth & Profitability Competitors are the closest peers by combined revenue growth, operating margin and ROIC, all independent of the competitor list.
TTM revenue, latest-quarter run-rate and net income/margin benchmarked across Premier Financial and its 4 competitor groupings. Available under Commercial License.
| Entity | TTM Revenue | Rev Run-rate vs TTM |
|---|---|---|
| Premier Financial Corp | $12,345M | +12.3% · Accelerating |
| Competitors combined | $12,345M | +12.3% · Accelerating |
TTM revenue, run-rate and net margin benchmarking across Premier Financial's competitor groups requires a Commercial License.
For context: the Regional Banks industry grew revenue -15.0% year over year, combined, vs 4.4% for Premier Financial. Premier Financial's share of combined industry revenue moved from 0.04% to 0.05%, a gain of 0.01 percentage points.
Premier Financial's Competitor Quality Breadth
Share of each group, trailing 12 months: profitable (net margin > 0), expanding (revenue growth > 0), growing faster than the industry's own median, and financially distressed (Piotroski F-Score of 2 or below).
| Entity | Profitable | Expanding | Above Industry Growth | Distressed |
|---|---|---|---|---|
| Premier Financial Corp | Yes | No | No | No |
| Competitors combined (28) | ||||
| Similar Growth & Profitability (8) | 100.00 % (8 of 8) | 0.00 % (0 of 8) | 0.00 % (0 of 8) | 50.00 % (4 of 8) |
Source: CSIMarket API, trailing 12 months. Altman Z-Score is not shown here: it is not populated in the underlying data for any company. Percentages are of companies in each group that report the relevant metric, not of the full group size.
PFC Stock Performance relative to its Competitors
PFC Stock Performance relative to Similar Growth & Profitability Competitors
5 Best-Performing Tracked Competitors, Trailing 12 Months
| # | Competitor | TTM Share Price Return | vs U.S.A. 500 |
|---|---|---|---|
| 1 | Brookline Bancorp inc | 282.9% | Outperformed |
| 2 | Home Federal Bancorp Inc Of Louisiana | 282.9% | Outperformed |
| 3 | Broadway Financial Corporation | 282.9% | Outperformed |
| 4 | Kentucky First Federal Bancorp | 282.9% | Outperformed |
| 5 | Cf Bankshares Inc | 282.9% | Outperformed |
TTM share price return and U.S.A. 500 outperformance for Premier Financial's best-performing tracked competitors requires a Commercial License.
Source: CSIMarket API, trailing 12 months.
Premier Financial's Comment on Competition and Industry Peers
Publicly Traded Peers of Premier Financial Corp
Revenue and income for trailing 12 months, in millions of $, except employees| Company | Market Cap | Revenues |
|---|---|---|
| Premier Financial Corp | 1,000.44 | 248.99 |
| Bank Of America Corporation | 404,609.27 | 121,098.00 |
| Wintrust Financial Corp | 9,899.76 | 2,761.82 |
| Tfs Financial Corporation | 4,660.74 | 347.23 |
| First Financial Bankshares Inc | 4,635.71 | 637.20 |
| Texas Capital Bancshares Inc | 4,207.30 | -637.40 |
| SUBTOTAL | 443,204.82 | 129,546.27 |
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Sources: Premier Financial Corp's official press releases and regulatory filings; CSIMarket.com's market research; and the financial filings and press releases of the other companies cited.
Updated on:
Focus of this report: publicly traded companies. Ten additional tables on Premier Financial Corp versus competitors, including market share analysis, are in the navigation menu under Competition. To download the tables, please subscribe.
Premier Financial's Productivity vs Peers Comparison
Revenue and income per employee, trailing 12 months, in $; market cap in millions of $| Company | Market Cap | Revenue / Employee | Income / Employee |
|---|---|---|---|
| Premier Financial Corp | 1,000 | 620,925 | 178,065 |
| Bank Of America Corporation | 404,609 | 568,535 | 158,005 |
| Wintrust Financial Corp | 9,900 | 467,946 | 146,512 |
| Tfs Financial Corporation | 4,661 | 362,452 | 106,119 |
| First Financial Bankshares Inc | 4,636 | 398,252 | 168,133 |
| Texas Capital Bancshares Inc | 4,207 | -357,087 | 204,261 |
| PEERS TOTAL | 442,204 | 554,353 | 156,067 |
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Premier Financial's Business Segment Mix vs Peers
Revenue by operating segment, as named and reported by each company. Segment names are the filer's own and are not standardized across companies. Do not assume a same-named or similarly-named segment is defined identically between two companies. Shares are of each company's own total revenue and are not required to sum to 100% (intersegment revenue, unallocated items).| Company | Largest Segment |
|---|---|
| Northrim Bancorp Inc | Community Banking 69.21 % |
Source: operating segment revenue as reported in each company's SEC filings (10-K/10-Q), via the CSIMarket API, leaf-level reportable segments only (parent roll-up segments are excluded where sub-segments are separately disclosed).
Premier Financial's Position in Industry Market Structure
Market-capitalization share and concentration across all 198 companies in Premier Financial's industry classification, broader than the peer set above. Market cap in millions of $.Premier Financial ranks #0 of 198 companies by market capitalization in its industry, holding 0.00 % of total industry market cap. The industry's Herfindahl-Hirschman Index (HHI) is 524, indicating a unconcentrated market structure (U.S. antitrust guidance: below 1,500 unconcentrated, 1,500 to 2,500 moderately concentrated, above 2,500 highly concentrated).
| Rank | Company | Market Cap | Industry Share |
|---|---|---|---|
| 1 | Bank Of Nova Scotia | 115,753 | 15.06 % |
| 2 | Deutsche Bank Aktiengesellschaft | 73,058 | 9.50 % |
| 3 | State Street Corp | 50,855 | 6.62 % |
| 4 | Fifth Third Bancorp | 47,474 | 6.18 % |
| 5 | Ita Unibanco Holding S a | 1,234 | 5.2% |
| 6 | M and t Bank Corporation | 1,234 | 5.2% |
| 7 | Northern Trust Corporation | 1,234 | 5.2% |
| 8 | Citizens Financial Group Inc | 1,234 | 5.2% |
| 9 | First Citizens Bancshares Inc | 1,234 | 5.2% |
| 10 | Bank Bradesco | 1,234 | 5.2% |
| 0 | Premier Financial Corp | 1,011 | 0.00 % |
Market cap and industry share for the rest of Premier Financial's industry peers requires a Commercial License.
Source: CSIMarket API (daily market-structure computation) across CSIMarket's industry classification, market capitalization as of 2025-02-28.
Premier Financial's Profitability & Cost Structure
Trailing 12-month margins from SEC-filed financials. Operating margin is compared to the Regional Banks industry median; gross margin, EBITDA margin and capital intensity are compared to the live industry average (130 companies).| Metric | Company | Industry | Difference |
|---|---|---|---|
| Gross Margin | 96.89 % | 64.14 % (avg) | +32.7 pp |
| Operating Margin | 36.02 % | industry median | +3.7 pp |
| EBITDA Margin | 80.23 % | 49.90 % (avg) | +30.3 pp |
| Capital Intensity (Capex / Revenue) | - | 3.18 % (avg) | - |
Source: CSIMarket API, trailing 12 months. SG&A and R&D as a share of revenue have limited coverage as this data is backfilled and appear only where reported. Higher capital intensity is not inherently negative; it reflects the industry's asset requirements.
Premier Financial's Valuation vs Competitive Position
Valuation multiples vs the Regional Banks industry average (130 companies, excluding loss-making/negative-equity outliers), alongside returns on capital for context on whether a premium or discount lines up with measurably stronger or weaker returns.| Metric | Company | Industry Average | Difference |
|---|---|---|---|
| P/E | 13.1x | 15.6x | -2.4x |
| EV / EBITDA | 5.6x | 6.2x | -0.6x |
| P/B | 0.9x | 1.3x | -0.3x |
| Return on Equity | 7.19 % | industry aggregate | -2.94 % |
| Return on Invested Capital | 0.93 % | 3.20 % (avg) | -2.27 % |
Source: CSIMarket API, trailing 12 months. A valuation premium or discount is not, by itself, a judgment of over- or under-valuation. Compare it against the return and growth context shown elsewhere on this page.
Premier Financial's Multi-Year Financial Trajectory
Fiscal-year revenue growth, operating margin, return on invested capital and P/E, as reported in SEC filings.| Metric | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|
| Revenue Growth | 18.62 % | 9.33 % | 7.80 % | - | - | -7.50 % | 4.10 % | -17.75 % |
| Operating Margin | 36.21 % | 38.88 % | 38.45 % | - | 49.76 % | 43.43 % | 46.08 % | 36.02 % |
| Return on Invested Capital | 5.37 % | 6.07 % | 6.13 % | - | 6.97 % | 2.19 % | 1.46 % | 0.93 % |
| P/E | - | - | - | - | 9.1x | 9.7x | 7.0x | 13.1x |
Source: CSIMarket API, fiscal-year figures. P/E is this company's own historical ratio at each fiscal year end and can swing sharply around an earnings trough: that is real, not a data error.
Premier Financial's Strategic Group Map
Every company in Premier Financial's industry and named-competitor list, plotted by trailing 12-month revenue growth and operating margin. Premier Financial is shown in red; its closest peers by combined growth, margin and ROIC (the Similar Growth & Profitability group above) are labeled.
Source: CSIMarket API, trailing 12 months. Extreme outlier values (from near-zero-revenue companies) are excluded from the plotted cloud but never from the highlighted company or its labeled peers.
Premier Financial's Competitive Forces (Porter's Five Forces)
Only the forces this data can support honestly are shown; the other three are marked as such rather than guessed.| Force | Assessment | Basis |
|---|---|---|
| Competitive Rivalry | High | Industry HHI of 524 (see Industry Market Structure & Concentration above) |
| Supplier Power | Not covered on this page | See Premier Financial's dedicated suppliers page for concentration and dependency data |
| Buyer Power | Not covered on this page | See Premier Financial's dedicated customers page for concentration and dependency data |
| Threat of Substitutes | - | No systematic data source for cross-product substitution exists in this system; not estimated |
Note: this is a partial, data-grounded application of the framework, not a complete strategic assessment. Rivalry and barriers-to-entry readings are mechanical translations of the HHI and capital-intensity figures shown elsewhere on this page, not independent judgments.
Premier Financial's Industry Attractiveness & Competitive Strength
A CSIMarket composite, not a standard field: each axis is an equal-weighted average of three factors already shown elsewhere on this page (industry growth, industry profitability and rivalry for attractiveness; relative market share, profitability and growth vs industry for strength). Disclosed as a designed methodology, not a precision measurement.
Premier Financial falls in the Medium attractiveness / Medium strength cell: Selective.
Source: CSIMarket API, trailing 12 months. Each axis score is a simple 1(low)/2(medium)/3(high) average across its three inputs -- a transparent, disclosed simplification, not a validated academic scoring model.
Premier Financial's SWOT
Every point below is a fixed rule applied to a metric already shown elsewhere on this page (Market Structure, Profitability, Valuation, Run-Rate, Stock Performance, Quality Breadth) — not an independent strategic assessment. A blank quadrant means no rule was met, not that none apply.Strengths
- Latest-quarter revenue run-rate is accelerating (+5.0% annualized vs trailing 12 months).
- Outperforming the U.S.A. 500 over the trailing 12 months.
Weaknesses
No rule matched.
Opportunities
- Industry revenue growing at a healthy 12.3% median pace.
Threats
- Tracked peer group's revenue run-rate is broadly decelerating (-15.6% annualized).
Methodology: mechanical, rule-based SWOT. Each bullet reuses a figure already sourced and cited elsewhere on this page; nothing here is generated narrative or independent analyst judgment.
Premier Financial's Financial Strength vs Peers Comparison
Quick ratio, working capital, debt to equity and asset turnover, trailing 12 months| Company | Quick Ratio | Working Capital | Debt / Equity |
|---|---|---|---|
| Premier Financial Corp | - | 1.10 | 0.19 |
| Bank Of America Corporation | 0.09 | 0.52 | 1.25 |
| Wintrust Financial Corp | 0.09 | 0.04 | 0.16 |
| Tfs Financial Corporation | 1.02 | 176.49 | - |
| First Financial Bankshares Inc | 0.01 | 0.70 | 0.01 |
| Texas Capital Bancshares Inc | 0.04 | 1.53 | 0.25 |
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Quick ratio = cash / current liabilities; working capital ratio = current assets / current liabilities; asset turnover = revenue / total assets. Peers in the Blank Checks industry are excluded.
Premier Financial's Revenue and Income Growth vs Peers
Quarterly revenue and net income growth, year over year and quarter over quarter| Company | Period | Revenue Y/Y | Income Y/Y |
|---|---|---|---|
| Premier Financial Corp | Q4 2024 | +4.4 % | +3.5 % |
| Bank Of America Corporation | Q2 2026 | +15.0 % | +27.5 % |
| Wintrust Financial Corp | Q2 2026 | +10.3 % | +19.5 % |
| Tfs Financial Corporation | Q2 2026 | +15.2 % | +40.1 % |
| First Financial Bankshares Inc | Q2 2026 | +9.8 % | +7.9 % |
| Texas Capital Bancshares Inc | Q2 2026 | - | +9.9 % |
| PEERS TOTAL | +15.7 % | +26.2 % |
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Growth is shown only where both periods are positive. Peers in the Blank Checks industry are excluded.
Premier Financial's Peers' Costs of Sales and Capital Expenditures
Context for revenue growth: peer costs and capex, year over year and quarter over quarter| Company | Period | Costs Y/Y | Capex Y/Y |
|---|---|---|---|
| Premier Financial Corp | Q4 2024 | -70.5 % | -71.2 % |
| Bank Of America Corporation | Q2 2026 | - | - |
| Wintrust Financial Corp | Q2 2026 | +4.0 % | - |
| Tfs Financial Corporation | Q2 2026 | - | +101.2 % |
| First Financial Bankshares Inc | Q2 2026 | +33.6 % | +232.0 % |
| Texas Capital Bancshares Inc | Q2 2026 | +20.0 % | +80.3 % |
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Premier Financial's Returns and Turnover vs Peers
ROA, ROI and ROE (trailing 12 months), receivables and inventory turnover| Company | ROA | ROI | ROE |
|---|---|---|---|
| Premier Financial Corp | 0.82% | 0.82% | 7.19% |
| Bank Of America Corporation | 0.97% | 2.76% | 11.13% |
| Wintrust Financial Corp | 1.20% | 3.12% | 11.84% |
| Tfs Financial Corporation | 0.58% | 0.58% | 5.30% |
| First Financial Bankshares Inc | 1.76% | 5.03% | 14.00% |
| Texas Capital Bancshares Inc | 1.11% | 2.98% | 10.04% |
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ROA = net income / total assets; ROI = net income / investments; ROE = net income / equity; turnover ratios use trailing 12 month revenue (receivables) and cost of sales (inventory).
Premier Financial's Valuation vs Peers
P/E, price to sales, PEG, price to cash flow and price to book| Company | P/E | Price / Sales |
|---|---|---|
| Premier Financial Corp | 14.09 | 4.02 |
| Bank Of America Corporation | 12.78 | 3.34 |
| Wintrust Financial Corp | 10.98 | 3.58 |
| Tfs Financial Corporation | 45.87 | 13.42 |
| First Financial Bankshares Inc | 17.25 | 7.28 |
| Texas Capital Bancshares Inc | 12.47 | - |
| PEERS AVERAGE | 12.15 | 3.42 |
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P/E = price / diluted EPS (trailing 12 months); PEG = P/E divided by EPS growth; the average row divides the peers' combined market cap by their combined income, sales, cash flow and equity.