Premier Financial Bancorp Annual Income Statement (NASDAQ:PFBI)

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$21.87 $0.56 (2.63%) PFBI stock closing price Apr 24, 2017 (Closing)

Financial analysis of Premier Financial Bancorp involves more than just checking the Premier Financial Bancorp stock price, by looking at the financial statements of the company in detail. 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. When compared with the corresponding income statement from the past, the latest income statement shows how revenue has grown from $59.51M to $66.52M and how operating and non operating activities have impacted the PFBI stock. Along with Premier Financial Bancorp assets and Premier Financial Bancorp free cash flow, profits as shown in profit and loss statement give key insights about the business. The profits have decreased from $12.44M YoY and 2016 revenue is $66.52M. Premier Financial Bancorp revenue for 2016 is $66.52M. 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. 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007
Premier Financial Bancorp Net Sales or Revenues
66.52M59.51M59.68M56.2M59.96M59.44M60.28M50.36M43.13M39.37M
Cost Of Goods Sold (COGS)3.88M3.48M3.73M4.08M5.55M7.12M8.6M9.12M10.67M11.01M
Premier Financial Bancorp Gross Profit
62.64M56.02M55.94M52.11M54.41M52.31M51.67M41.24M32.45M28.35M
Research & Development Expense----------
Selling General & Admin Expense39.97M33.16M34.04M28.34M34.34M38.95M36.74M27.81M20.04M16.4M
Income Before Depreciation Depletion Amortization22.66M22.86M21.89M23.77M20.06M13.36M14.93M13.42M12.41M11.94M
Depreciation Depletion Amortization1.13M0.85M0.81M0.6M0.67M0.79M0.61M0.34M--
Non Operating Income-1.82M-2.1M-0.15M-1.85M-2.51M-0.4M-0.15M--0.07M
Interest Expense0.75M0.54M0.59M0.68M0.88M1.2M1.17M1.02M1.13M1.43M
Premier Financial Bancorp Pretax Income
18.94M19.34M20.32M20.63M15.99M10.96M12.98M12.05M11.28M10.58M
Provision for Income Taxes6.77M6.9M7.17M7.4M5.67M3.8M3.81M2.93M3.74M3.47M
Minority Interest----------
Investment Gains Losses----------
Other Income----------
Income Before Extraordinaries & Disc Operations12.17M12.44M13.15M13.22M10.32M7.16M9.17M9.11M7.53M7.11M
Extraordinary Items & Discontinued Operations----------
Premier Financial Bancorp Net Income (Profit/Loss)
12.17M12.44M13.15M13.22M10.32M7.16M9.17M9.11M7.53M7.11M
Average Shares used to compute Diluted EPS10.5M9.01M9.46M9.28M8.87M8.72M8.89M7.49M6.63M5.76M
Average Shares used to compute Basic EPS10.5M9.01M8.91M8.81M8.87M8.72M8.72M7.49M6.63M5.76M
Income Before Nonrecurring Items12.17M12.45M13.15M13.23M8.37M5.95M9.17M5.57M7.54M7.12M
Income from Nonrecurring Items----1.96M--3.55M--
Premier Financial Bancorp Earnings Per Share Basic Net
1.161.381.411.431.160.680.911.201.141.24
Premier Financial Bancorp Earnings Per Share Diluted Net
1.151.351.331.351.130.670.891.201.141.24
EPS Diluted Before Nonrecurring Items1.151.351.331.350.910.670.890.731.141.24
Preferred Dividends Acc Pd----------
Dividends Common----------
Dividend Per Share Common0.560.510.550.400.20-0.200.400.390.36
All figures in USD. M: Millions of USD, B: Billions of USD.
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The key things to look for in an income statement while doing Premier Financial Bancorp stock analysis are:
  • Topline: A growing topline, as seen from the Premier Financial Bancorp revenue chart, as is the case with Premier Financial Bancorp indicates a growing business. One needs to compare the QoQ or YoY topline growth of PFBI stock with its peers like HBCP stock and MNRK stock to see if the growth compares well with what can be expected for a company in that industry.
  • Bottom line: Most businesses like Premier Financial Bancorp try to improve their bottom line by growing their topline and by increasing their operating efficiency. A healthy bottom line growth implies a good investment.
The income statement is also called the profit and loss statement. Apart from the income statement, one can check the Premier Financial Bancorp historical stock prices to check how the price has moved with time. .

Premier Financial Bancorp Income Statement - Key Financial Ratios

PE ratio (price earnings ratio)
18.8530
PS ratio (
price sales ratio
)
3.5009
Operating margin
35.8
Net profit margin
20.4
Dividend yield
2.61%