Premier Financial Bancorp Cash Flow - Annual (NASDAQ:PFBI)

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$19.58 $0.16 (0.82%) PFBI stock closing price Feb 17, 2017 (Closing)

The financial analysis of PFBI requires an investor to check the cash flows for Premier Financial Bancorp. This report provides details about cash inflows and outflows due to the company's business and investment activities, and summarize cash outflows for a given quarter. For Premier Financial Bancorp profits one has to check the income statement and for Premier Financial Bancorp debt one has to check the balance sheet. Items like capital purchases, bank loan payments etc. which have a direct impact on the cash position of a company come out through the statemement of cash flows and help an investor who undertakes the Premier Financial Bancorp stock analysis. Premier Financial Bancorp generated $16.83M cash from operating activities in 2015. Premier Financial Bancorp has a negative cash and cash equivalents change of $-2.84M. View details of Premier Financial Bancorp cash flows for latest & last ten financial years.

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Annual
Quarterly
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Fiscal year is Jan - Dec. 2015 2014 2013 2012 2011 2010 2009 2008 2007
Premier Financial Bancorp Net Income Cash Flow
12.44M13.15M13.22M10.32M7.16M9.17M9.11M7.53M7.11M
Depreciation Depletion Amortization Cash-Flow2.15M2.27M0.87M0.34M0.11M1.53M1.13M1.29M0.83M
Net Increase (Decrease) in Assets Liabilities0.01M-0.29M1.38M1.11M-0.28M4.46M-4.49M0.4M1.33M
Cash From (used in) Discontinued Operations---------
Other Adjustments Net2.21M3.39M0.99M5.42M7.42M-0.56M-0.67M0.79M0.07M
Premier Financial Bancorp Net Cash from (used by) Operating Activities
16.83M18.52M16.48M17.2M14.42M14.61M5.08M10.02M9.36M
Increase (Decrease) in Prop Plant And Equipment-0.91M-1.39M-3.18M-1.04M-1.08M2.72M0.7M-0.89M0.12M
Acquisition Disposition of Subsidiaires-40.97M---8.93M12.57M--
Increase (Decrease) in Investments-28.75M30.23M55.21M-3.4M-11.68M8.37M9.77M-14.07M-5.12M
Other Cash Inflow (Outflow) from Investment Activities29.19M-41.83M-34.88M-9.99M31.2M----
Premier Financial Bancorp Net Cash from (used by) Invesment Activities
-0.47M27.97M17.14M-14.44M18.43M20.04M23.05M-14.97M-5M
Issuance (Purchase) of Equity Shares-5.45M-11.26M0.57M-9.04M--22.25M-0.01M
Issuance (Repayment) of Debt Securities-0.42M-2.42M-2.24M-12.12M-4.61M-8.93M-0.21M2.37M-2.44M
Increase (Decrease) in Bank & Other Borrowings6.11M4.26M-14.78M2.89M-6.43M16.33M-33.81M13.35M-4.52M
Payment of Dividends & Other Cash Distributions-4.57M-5.4M-4.12M-2.73M-1.39M-2.58M-3.11M-2.63M-2.09M
Other Cash from (used by) Financing Activities
Premier Financial Bancorp Net Cash from (used by) Financing Activities
-19.2M-47.87M-27.1M-15.4M-72.21M2.99M11.32M4.73M1.03M
Effect of Exchange Rate Changes on Cash---------
Premier Financial Bancorp Net Change in Cash & Cash Equivalents
-2.84M-1.37M6.51M-12.64M-39.36M37.65M39.46M-0.21M5.39M
Cash & Equivalents at Beginning of Year75.38M76.76M70.24M82.88M122.24M84.59M22.14M22.36M16.97M
Cash & Equivalents at Year End72.53M75.38M76.76M70.24M82.88M122.24M61.61M22.14M22.36M
All figures in USD. M: Millions of USD, B: Billions of USD.
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Premier Financial Bancorp stock price history provides insight into historical stock price fluctuations, and Premier Financial Bancorp stock comparison chart enables peer comparison. Some of the key terms used in the statement of cash flows are:
  • Premier Financial Bancorp has cash of $72.53M on hand. A healthy amount of cash on hand is necessary for any company. Cash has an opportunity cost associated with it, and too much cash in bank may mean that the firm has no or limited growth plans. Hence its important to track the Net Change in Cash and Cash Equivalents along with the Premier Financial Bancorp stock price.
  • The cash generated from the core business or operations was positive at $16.83M for Premier Financial Bancorp in the latest year. For an internet company, this would include all those activities which are involved in eventually selling advertisement space on its website or any online service.
  • Cash from investing stood at a negative value of $-0.47M for PFBI stock. A company with surplus cash usually thinks of re-investing it in the form of buying fixed assests, or purchasing plant/ machinery which will help grow the business further. By looking at cash flow from investment activities one can check where the company is putting its cash.
  • Cash Flow from financing activities: The cash inflow/outflow from financing activities was $-19.2M for Premier Financial Bancorp. The money accounted for under this head comes from external sources which includes lenders, investors and shareholders. Positive cash flow is generated when the company gets cash because of issuance of stocks or bonds. Similarly negative cash flow is generated when shares are repurchased, dividend payments are made, and loans or interest on loans are paid back.
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Key Financial Ratios For Premier Financial Bancorp Cash Flow

FCF margin
0.31