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Profile - Premier Financial Bancorp (NasdaqNM:PFBI)
As of 31-Aug-2001
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More Info: Quote | Chart | News | Profile | Research | Msgs | Insider
Recent Events
Aug 29Price hit new 52-week high ($9.40)
Location
115 North Hamilton Street
Georgetown, KY 40324
Phone: (502) 863-1955
Fax: (502) 863-7503
Employees (last reported count): 361
Financial Links
 ·Top Institutional Holders
 ·Top Mutual Fund Holders
 ·Historical Quote Data
 ·Raw SEC Filings at sec.gov
Competitors:
 ·Sector: Financial
 ·Industry: Regional Banks
Related Links
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Ownership
·Insider and 5%+ Owners: 27%
·Institutional: 2% (3% of float)
(13 institutions)
·Net Inst. Selling: 262.0K shares
(prior quarter to latest quarter)
More From Market Guide
 ·Highlights
 ·Performance
 ·Ratio Comparisons
Business Summary
Premier Financial Bancorp, Inc. is a multi-bank holding company that, as of March 16, 2001, operated 17 banking offices in Kentucky, six banking offices in Ohio, and six banking offices in West Virginia. The banking offices are operated through the Company's eight bank subsidiaries: Citizens Deposit Bank & Trust, Bank of Germantown, Citizens Bank (Kentucky), Inc., Farmers Deposit Bank, The Sabina Bank, Ohio River Bank, The Bank of Philippi, Inc., Boone County Bank, Inc. and The Bank of Mt. Vernon. At December 31, 2000, the Company had total consolidated assets of $889.9 million, total consolidated deposits of $728.4 million and total consolidated shareholders' equity of $55.8 million.
More from Market Guide: Expanded Business Description

Financial Summary
PFBI is a multi-bank holding company operating in KY, WV and OH, and provides consumer lending and data processing services. For the six months ended 6/30/01, total interest income fell 8% to $30.8 million. Net interest income after loan loss provision decreased 20% to $9.1 million. Net income fell 27% to $519 thousand. Net interest income reflects lower interest-earning assets and higher LLP. Net income also reflect a higher effective tax rate.
More from Market Guide: Significant Developments

Officers[Insider Trade Data]
FY2000 Pay

Marshall Reynolds, 64
Chairman
--  
Gardner Daniel, 65
Pres, CEO, Director
$140K
Edward Barnes, 41
CFO, Chief Accounting Officer, Treasurer
--  
W. Harvey Coggin, 48
Pres, Citizens Bank (Kentucky), Inc.
107K
Bill Covington, 50
Pres, Farmers Deposit Bank
140K
Dollar amounts are as of 31-Dec-2000 and compensation values are for the fiscal year ending on that date; "Pay" is salary, bonuses, etc..
More from Market Guide on Officers & Directors:
Expanded List, Bios, Compensation, Options
Statistics at a Glance -- NasdaqNM:PFBIAs of 31-Aug-2001
Price and Volume
52-Week Low
on 25-Sep-2000
$4.625
Recent Price$9.05 
52-Week High
on 29-Aug-2001
$9.40 
Beta-0.06 
Daily Volume (3-month avg)25.2K
Daily Volume (10-day avg)17.0K
Stock Performance
[one-year price graph]
big chart [1d | 5d | 3m | 6m | 1y | 2y | 5y | max]
52-Week Change+55.7%
52-Week Change
relative to S&P500
+108.9%
Share-Related Items
Market Capitalization$47.4M
Shares Outstanding5.23M
Float3.80M
Dividends & Splits
Annual Dividend (indicated)$0.60 
Dividend Yield6.63%
Last Split: 21 for 20 on 17-Sep-1998
Per-Share Data
Book Value (mrq)$11.03 
Earnings (ttm)$0.22 
Earnings (mrq)-$0.14 
Sales (ttm)$12.69 
Cash (mrq)$4.69 
Valuation Ratios
Price/Book (mrq)0.82 
Price/Earnings (ttm)41.32 
Price/Sales (ttm)0.71 
Income Statements
Sales (ttm)$66.4M
EBITDAN/A 
Income available to common (ttm)$1.15M
Profitability
Profit Margin (ttm)1.7%
Fiscal Year
Fiscal Year EndsDec 31
Most recent quarter30-June-2001
Management Effectiveness
Return on Assets (ttm)0.14%
Return on Equity (ttm)2.06%
Financial Strength
Current RatioN/A 
Long-Term Debt/Equity (mrq)0 
Total Cash (mrq)$24.6M
Short Interest
As of 8-Aug-2001
Shares Short9,000 
Percent of Float0.2%
Shares Short
(Prior Month)
13.0K
Short Ratio0.38 
Daily Volume24.0K
See Profile Help for a description of each item above;   K = thousands;   M = millions;   mrq = most-recent quarter;   ttm = trailing twelve months;   (as of 30-June-2001)

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