Premier Financial Corp. Financial Ratios — PFC Stock

Profitability (USD)

	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
As of date	12/31/2010	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024

Return on Common Equity (%)	-1.2	5.12	5.19	7.96	9.76	9.37	9.37	10.03	14.02	12.76	10.17	26.01	19.5	19.48	10.97
Return on Assets (%)	0.01	0.44	0.44	0.66	0.87	0.88	0.9	0.92	1.27	1.2	0.65	1.42	1.16	1.22	0.74
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	8.46	7.82	9.04	7.22	5.72	5.65	5.33	4.88	4.43	4.9	10.97	5.14	4.91	5.01	5.76
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	3.67	17.5	18.34	25.81	29.22	31.49	32.57	32.03	35.51	33.94	19.71	47.35	39.51	44.16	33.79
Profit Margin (%)	0.29	10.1	9.7	15.43	19.6	19.95	20.47	19.53	27.93	26.46	13.46	36.66	31.33	34.79	26.29
Net Income to Common Margin (%)	-1.78	8.04	8.73	15.43	19.6	19.95	20.47	19.53	27.93	26.46	13.46	36.66	31.33	34.79	26.29
Effective Tax Rate (%)	92.01	42.29	47.1	40.22	32.9	36.66	37.15	39.05	21.34	22.03	31.71	22.58	20.7	21.23	22.2
Dvd Payout Ratio (%)	- -	6.64	26.99	28.33	31.77	36.32	36.57	39.02	33.3	39.17	94.32	37.4	46.36	42.34	69.34
Sustainable Growth Rate (%)	-1.2	4.78	3.79	5.7	6.66	5.97	5.94	6.12	9.35	7.76	0.58	16.28	10.46	11.23	3.36

Credit (USD)

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	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
As of date	12/31/2010	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024

Total Debt	153	118	49	59	58	96	140	120	121	121	85	85	513	365	592
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	153	118	49	59	58	96	140	120	121	121	85	85	513	365	592
Total Debt/EBITDA	20.29	16.73	5.83	9.09	10.56	17.18	24.94	19.04	19.53	16.39	2.99	5.82	35.48	24.27	42.23
Net Debt/EBITDA	16.82	12.2	0.36	3.46	2.88	10.24	15.5	9.76	10.52	10.13	-2.62	-5.25	26.62	16.64	33.57
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	6.64	7.16	8.02	8.54	9.21	9.57	9.72	8.79	9.29	9.49	4.95	5.93	5.95	6.61	6.96
Long-Term Debt/Equity (%)	63.65	42.4	18.94	21.53	20.62	34.26	47.79	32.24	30.35	28.43	8.64	8.3	57.8	37.44	59.13
Long-Term Debt/Capital (%)	47.13	38.96	22.94	24.31	22.31	30.39	36.78	31.39	29.08	26.89	19.22	16.07	50.49	39.04	49.79
Long-Term Debt/Total Assets (%)	7.51	5.7	2.39	2.74	2.64	4.18	5.65	4.02	3.81	3.49	1.18	1.14	6.07	4.23	6.9
Total Debt/Equity (%)	63.65	42.4	18.94	21.53	20.62	34.26	47.79	32.24	30.35	28.43	8.64	8.3	57.8	37.44	59.13
Total Debt/Capital (%)	47.13	38.96	22.94	24.31	22.31	30.39	36.78	31.39	29.08	26.89	19.22	16.07	50.49	39.04	49.79
Total Debt/Total Assets (%)	7.51	5.7	2.39	2.74	2.64	4.18	5.65	4.02	3.81	3.49	1.18	1.14	6.07	4.23	6.9
Net Debt to Equity	52.76	30.92	1.18	8.19	5.61	20.42	29.7	16.52	16.34	17.57	-7.57	-7.48	43.36	25.67	47
Net Debt/Capital (%)	42.5	31.76	1.82	10.89	7.25	20.65	26.55	18.99	18.09	18.53	-26.36	-20.86	43.34	30.52	44.08
EBITDA	8	7	8	6	5	6	6	6	6	7	28	15	14	15	14
EBITDA-CapEx	6	5	5	4	1	4	4	3	2	4	23	12	9	8	11
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
As of date	12/31/2010	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	6.64	7.16	8.02	8.54	9.21	9.57	9.72	8.79	9.29	9.49	4.95	5.93	5.95	6.61	6.96
Long-Term Debt/Equity (%)	63.65	42.4	18.94	21.53	20.62	34.26	47.79	32.24	30.35	28.43	8.64	8.3	57.8	37.44	59.13
Long-Term Debt/Capital (%)	47.13	38.96	22.94	24.31	22.31	30.39	36.78	31.39	29.08	26.89	19.22	16.07	50.49	39.04	49.79
Long-Term Debt/Total Assets (%)	7.51	5.7	2.39	2.74	2.64	4.18	5.65	4.02	3.81	3.49	1.18	1.14	6.07	4.23	6.9
Total Debt/Equity (%)	63.65	42.4	18.94	21.53	20.62	34.26	47.79	32.24	30.35	28.43	8.64	8.3	57.8	37.44	59.13
Total Debt/Capital (%)	47.13	38.96	22.94	24.31	22.31	30.39	36.78	31.39	29.08	26.89	19.22	16.07	50.49	39.04	49.79
Total Debt/Total Assets (%)	7.51	5.7	2.39	2.74	2.64	4.18	5.65	4.02	3.81	3.49	1.18	1.14	6.07	4.23	6.9
CFO/Total Liabilities	1.79	2.16	1.78	2.11	1.58	1.52	1.24	1.37	1.91	1.3	-0.89	2.56	2.38	1.01	1.22
CFO/CapEx	20.61	18.98	9.9	19.25	6.09	16.63	12.81	11.02	12.73	12.66	-10.37	54.64	32.33	10.87	35.58
Altman's Z-Score	0.16	0.18	0.21	0.22	0.25	0.26	0.27	0.26	0.26	0.28	0.18	0.2	0.19	0.2	0.2

Working Capital (USD)

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	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
As of date	12/31/2010	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024

Accounts Receivable Turnover	13.47	14.4	15.81	15.72	16.14	16.19	16.3	16.73	15.29	15.16	14.52	12.3	11.91	9.67	7.06
Days Sales Outstanding	27.09	25.35	23.09	23.22	22.62	22.55	22.39	21.81	23.88	24.08	25.14	29.68	30.65	37.74	51.66
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

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	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
As of date	12/31/2010	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024

Market Capitalization	64	90	125	172	225	247	330	383	377	485	671	798	844	805	902
- Cash & Cash Equivalents	26	32	46	36	42	39	53	59	56	46	159	162	128	115	121
+ Preferred Equity and Hybrid Capital	36	37	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	153	118	49	59	58	96	140	120	121	121	85	85	513	365	592
Enterprise Value	62	-20	-66	-4	1	68	166	184	148	277	-140	-485	189	108	217
Total Capital	325	303	213	241	258	316	381	383	417	450	442	529	1,016	935	1,190
Total Debt/Capital (%)	47.13	38.96	22.94	24.31	22.31	30.39	36.78	31.39	29.08	26.89	19.22	16.07	50.49	39.04	49.79
Total Debt / EV	2.48	-5.9	-0.74	-16.06	41.15	1.41	0.84	0.65	0.82	0.44	-0.61	-0.18	2.72	3.37	2.73
EV/Sales	0.69	- -	- -	- -	0.01	0.69	1.58	1.43	1.06	1.84	- -	- -	0.64	0.36	0.89
EV/EBITDA	8.18	- -	- -	0.04	0.26	12.16	29.65	29.19	23.91	37.44	- -	- -	13.05	7.19	15.44
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	1.91	- -	- -	0.01	0.05	2.22	6.17	5.13	2.8	6.98	- -	- -	1.05	1.4	2.35
EV/Free Cash Flow to Firm	1.83	- -	- -	0.01	0.04	2.09	5.72	4.7	2.59	6.47	- -	- -	1.02	1.28	2.28
Diluted Market Cap	64	92	128	179	236	251	333	386	379	488	672	798	847	807	907
Diluted Enterprise Value	227	215	131	202	252	309	420	447	444	562	597	722	1,232	1,057	1,377
EV per Share	3.8	- -	- -	0.01	0.07	3.68	9.27	9.25	7.29	13.95	- -	- -	5.29	3.03	6.07
TTM Sales	89	90	93	89	95	99	105	129	140	151	259	284	295	301	244
TTM EBITDA	8	7	8	6	5	6	6	6	6	7	28	15	14	15	14
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	32	39	32	39	30	31	27	36	53	40	-56	165	180	77	92
TTM Free Cash Flow to Firm	34	41	35	41	35	32	29	39	57	43	-50	168	186	84	95

Multiples (USD)

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	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
As of date	12/31/2010	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024

Price/Free Cash Flow	1.89	2.26	3.65	4.33	6.74	7.74	11.45	9.83	6.62	11.39	-13.37	4.75	4.56	9.55	9.55
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	62	-20	-66	-4	1	68	166	184	148	277	-140	-485	189	108	217
Low Price	4.26	5.95	7.21	9.21	12.12	14.52	17.4	23.14	22.78	24.12	10.98	22.23	24.35	13.6	18.63
EV/Sales	0.69	- -	- -	- -	0.01	0.69	1.58	1.43	1.06	1.84	- -	- -	0.64	0.36	0.89
EV/EBITDA	8.18	- -	- -	0.04	0.26	12.16	29.65	29.19	23.91	37.44	- -	- -	13.05	7.19	15.44
Price/Earnings	- -	12.46	15.4	12.49	12.04	12.54	15.32	15.18	9.63	12.17	19.24	7.67	9.14	7.69	14.09
Price/Earnings Average	-36.19	11.91	13.33	11.49	9.8	11.81	12.41	14.92	11.4	10.99	16.19	7.37	9.35	6.13	12.2
Price/Earnings High	-75.92	20.06	23.28	20.15	18.17	19.86	21.77	22.47	18.19	16.11	32.99	10.59	12.71	9.56	16.51
Price/Earnings Low	-43.53	15.38	17.32	13.04	12.34	13.59	14.49	18.27	11.84	12	11.3	6.56	9.41	4.64	10.38
Price/Book Value	0.47	0.61	0.76	0.94	1.12	1.12	1.37	1.46	1.28	1.47	1.88	1.8	1.68	1.41	1.51
Price/Book Value Average	0.43	0.58	0.66	0.87	0.91	1.06	1.11	1.43	1.51	1.33	1.58	1.73	1.72	1.12	1.31
Price/Book Value High	0.89	0.98	1.15	1.52	1.69	1.78	1.95	2.16	2.41	1.95	3.23	2.48	2.33	1.75	1.77
Price/Book Value Low	0.51	0.75	0.85	0.99	1.15	1.22	1.3	1.76	1.57	1.45	1.11	1.54	1.73	0.85	1.11
Price/Tangible Book Value	0.49	0.55	0.68	0.87	1.09	1.19	1.5	1.48	1.32	1.56	1.08	1.21	1.59	1.24	1.33
Price/Tangible Book Value Average	0.44	0.52	0.59	0.8	0.89	1.12	1.21	1.45	1.56	1.4	0.91	1.16	1.63	0.99	1.15
Price/Tangible Book Value High	0.92	0.88	1.02	1.4	1.64	1.89	2.13	2.19	2.49	2.06	1.85	1.67	2.22	1.54	1.55
Price/Tangible Book Value Low	0.53	0.68	0.76	0.91	1.12	1.29	1.42	1.78	1.62	1.53	0.63	1.03	1.64	0.75	0.98
Price/Sales	0.71	1	1.34	1.93	2.36	2.5	3.14	2.96	2.69	3.22	2.59	2.81	2.86	2.68	3.7
Price/Sales Average	0.65	0.96	1.16	1.77	1.92	2.36	2.54	2.91	3.19	2.91	2.18	2.7	2.93	2.13	3.21
Price/Sales High	1.35	1.61	2.03	3.11	3.56	3.96	4.46	4.39	5.08	4.26	4.44	3.88	3.98	3.32	4.34
Price/Sales Low	0.78	1.24	1.51	2.01	2.42	2.71	2.96	3.57	3.31	3.18	1.52	2.4	2.95	1.62	2.73
Price/Cash Flow	1.98	2.33	3.91	4.38	7.48	8.06	12.25	10.66	7.11	12.23	-12.06	4.83	4.69	10.4	9.78
Price/Cash Flow Average	1.79	2.23	3.38	4.02	6.09	7.6	9.92	10.48	8.42	11.05	-10.16	4.65	4.8	8.29	8.47
Price/Cash Flow High	3.75	3.75	5.91	7.06	11.29	12.77	17.4	15.79	13.43	16.2	-20.69	6.68	6.52	12.92	11.45
Price/Cash Flow Low	2.15	2.88	4.4	4.57	7.67	8.74	11.58	12.84	8.74	12.06	-7.09	4.13	4.82	6.28	7.2
Price/Free Cash Flow Average	1.71	2.15	3.16	3.99	5.49	7.29	9.27	9.67	7.84	10.28	-11.25	4.56	4.67	7.61	8.27
Price/Free Cash Flow High	3.59	3.63	5.52	6.99	10.17	12.26	16.28	14.56	12.51	15.08	-22.93	6.56	6.34	11.86	11.19
Price/Free Cash Flow Low	2.06	2.78	4.1	4.52	6.91	8.39	10.83	11.84	8.14	11.23	-7.85	4.06	4.7	5.76	7.04
EV/Sales Average	2.48	2.32	1.2	2.02	2.09	2.94	3.36	3.39	3.65	3.41	1.89	2.43	4.24	2.97	5.14
EV/Sales High	3.19	2.98	2.07	3.36	3.73	4.54	5.28	4.86	5.55	4.76	4.15	3.61	5.29	4.16	6.27
EV/Sales Low	2.61	2.6	1.54	2.26	2.58	3.29	3.79	4.04	3.77	3.67	1.23	2.13	4.26	2.45	4.66
EV/EBITDA Average	29.28	29.65	13.23	28.02	36.45	51.92	63.16	69.39	82.47	69.43	17.26	47.31	86.34	59.26	89.28
EV/EBITDA High	37.65	38.03	22.83	46.54	65.12	80.33	99.14	99.6	125.28	97.07	37.87	70.28	107.77	83.02	108.94
EV/EBITDA Low	30.83	33.22	17.08	31.34	45.14	58.18	71.15	82.8	85.21	74.87	11.25	41.52	86.7	48.89	80.96
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	3.92	4.82	6.41	8.82	11.83	13.4	18.4	19.22	18.53	24.46	18.69	25.99	23.65	22.54	25.29
High Price	7.43	7.76	9.69	14.23	17.85	21.23	26.15	28.46	35	32.39	32.05	35.9	32.89	27.99	29.63
Enterprise Value Average	221	209	111	181	199	290	355	439	512	513	490	691	1,249	892	1,252
Enterprise Value High	284	268	192	300	355	449	557	629	778	718	1,076	1,026	1,558	1,250	1,528
Enterprise Value Low	232	234	143	202	246	325	400	523	529	554	320	606	1,254	736	1,136

Shares Outstanding	16	19	19	19	18	18	18	20	20	20	37	36	36	36	36
Diluted Weighted Avg Shares	16	19	20	20	20	19	18	20	20	20	36	31	36	36	36
Basic Weighted Avg Shares	16	19	19	20	19	18	18	20	20	20	36	31	36	36	36
Revenue per Share	5.49	4.81	4.77	4.58	5.01	5.36	5.87	6.49	6.89	7.6	7.22	9.25	8.26	8.42	6.83
EBITDA per Share	0.46	0.38	0.43	0.33	0.29	0.3	0.31	0.32	0.3	0.37	0.79	0.48	0.41	0.42	0.39
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	-0.1	0.39	0.42	0.71	0.98	1.07	1.2	1.27	1.92	2.01	0.97	3.39	2.59	2.93	1.79
Basic EPS from Cont Ops	0.02	0.49	0.46	0.71	0.98	1.07	1.2	1.27	1.92	2.01	0.97	3.39	2.59	2.93	1.79
Diluted EPS, GAAP	-0.1	0.38	0.41	0.68	0.94	1.05	1.19	1.26	1.92	2	0.97	3.39	2.58	2.92	1.79
Diluted EPS from Cont Ops	0.02	0.48	0.45	0.68	0.94	1.05	1.19	1.26	1.92	2	0.97	3.39	2.58	2.92	1.79
Dividend per Share	0.11	0.12	0.16	0.2	0.31	0.39	0.44	0.49	0.64	0.79	0.92	1.27	1.2	1.24	1.24
Cash Flow per Share	1.98	2.07	1.64	2.02	1.58	1.66	1.5	1.8	2.61	2	-1.55	5.38	5.05	2.17	2.59
Free Cash Flow per Basic Share	1.89	1.96	1.47	1.91	1.32	1.56	1.39	1.64	2.4	1.84	-1.7	5.28	4.89	1.97	2.51
Cash & Equivalents per Share	11.79	14.14	12.33	12.01	14.79	14.92	16.93	16.01	17.19	16.61	24.95	44.53	32.74	29.74	35.82
Book Value per Share	8.32	7.91	8.44	9.34	10.55	11.92	13.4	13.18	14.53	16.59	9.94	14.45	14.1	15.98	16.74
Tangible Book Value per Share	8.05	8.81	9.46	10.14	10.86	11.24	12.27	12.99	14.07	15.73	17.29	21.55	14.84	18.19	19.07

Premier Financial Corp.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)