Premier Financial Bancorp Annual Income Statement (NASDAQ:PFBI)

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$18.91 $0.15 (0.79%) PFBI stock closing price Mar 22, 2017 (Closing)

Looking at financial statements, along with the Premier Financial Bancorp stock price, it's management, its economic moat, and industry competitors forms an important part of fundamental analysis.   The income statement gives the investor an understanding of the topline and bottomline numbers of the company and helps investors evaluate if a company has been growing or not. The income statement is always for an accounting period, typically for a year or quarter, and affects the stock. In this case, the PFBI stock is bound to reflect the impact of the YoY decline of $0.17M. The Premier Financial Bancorp profit and loss statement for 2015 shows a profit of $12.44M. Profits have reduced from $13.15M YoY. Apart from this an investor should also check Premier Financial Bancorp assets and Premier Financial Bancorp free cash flow. Premier Financial Bancorp revenue for 2015 is $59.51M. View revenue and profit details for latest and last 10 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 Sales or Revenues
59.51M59.68M56.2M59.96M59.44M60.28M50.36M43.13M39.37M
Cost Of Goods Sold (COGS)3.48M3.73M4.08M5.55M7.12M8.6M9.12M10.67M11.01M
Premier Financial Bancorp Gross Profit
56.02M55.94M52.11M54.41M52.31M51.67M41.24M32.45M28.35M
Research & Development Expense---------
Selling General & Admin Expense33.16M34.04M28.34M34.34M38.95M36.74M27.81M20.04M16.4M
Income Before Depreciation Depletion Amortization22.86M21.89M23.77M20.06M13.36M14.93M13.42M12.41M11.94M
Depreciation Depletion Amortization0.85M0.81M0.6M0.67M0.79M0.61M0.34M--
Non Operating Income-2.1M-0.15M-1.85M-2.51M-0.4M-0.15M--0.07M
Interest Expense0.54M0.59M0.68M0.88M1.2M1.17M1.02M1.13M1.43M
Premier Financial Bancorp Pretax Income
19.34M20.32M20.63M15.99M10.96M12.98M12.05M11.28M10.58M
Provision for Income Taxes6.9M7.17M7.4M5.67M3.8M3.81M2.93M3.74M3.47M
Minority Interest---------
Investment Gains Losses---------
Other Income---------
Income Before Extraordinaries & Disc Operations12.44M13.15M13.22M10.32M7.16M9.17M9.11M7.53M7.11M
Extraordinary Items & Discontinued Operations---------
Premier Financial Bancorp Net Income (Profit/Loss)
12.44M13.15M13.22M10.32M7.16M9.17M9.11M7.53M7.11M
Average Shares used to compute Diluted EPS9.01M9.46M9.28M8.87M8.72M8.89M7.49M6.63M5.76M
Average Shares used to compute Basic EPS9.01M8.91M8.81M8.87M8.72M8.72M7.49M6.63M5.76M
Income Before Nonrecurring Items12.45M13.15M13.23M8.37M5.95M9.17M5.57M7.54M7.12M
Income from Nonrecurring Items---1.96M--3.55M--
Premier Financial Bancorp Earnings Per Share Basic Net
1.381.411.431.160.680.911.201.141.24
Premier Financial Bancorp Earnings Per Share Diluted Net
1.351.331.351.130.670.891.201.141.24
EPS Diluted Before Nonrecurring Items1.351.331.350.910.670.890.731.141.24
Preferred Dividends Acc Pd---------
Dividends Common---------
Dividend Per Share Common0.510.550.400.20-0.200.400.390.36
All figures in USD. M: Millions of USD, B: Billions of USD.
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Premier Financial Bancorp stock analysis involves checking at least a few of the important things like:
  • Topline: A growing topline, as seen from the Premier Financial Bancorp revenue chart, as is not the case with Premier Financial Bancorp indicates a sagging business. One needs to compare the QoQ or YoY topline growth of PFBI stock with its peers like THVB stock and SONA stock to see if the growth compares well with what can be expected for a company in that industry.
  • Bottom line: The Bottomline or the net income figure is arrived at by deducting all expenses from the topline which in this case is $59.51M - other expenses = $12.44M for PFBI stock. An improving bottomline implies that the company is growing profits.
The income statement is also called statement of revenue and expense. The financials along with Premier Financial Bancorp historical stock prices provides a lot of details about the firm. .

Premier Financial Bancorp Income Statement - Key Financial Ratios

PE ratio (price earnings ratio)
16.3020
PS ratio (
price sales ratio
)
3.0271
Operating margin
34.3
Net profit margin
18.7
Dividend yield
3.01%