Comparing Premier Financial (NASDAQ:PFC) and First NBC Bank (OTCMKTS:FNBCQ)

Premier Financial (NASDAQ:PFC) and First NBC Bank (OTCMKTS:FNBCQ) are both finance companies, but which is the better business? We will contrast the two businesses based on the strength of their risk, valuation, analyst recommendations, dividends, institutional ownership, profitability and earnings.

Valuation and Earnings

This table compares Premier Financial and First NBC Bank”s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Premier Financial	$442.88 million	2.28	$111.29 million	$1.99	14.18
First NBC Bank	N/A	N/A	N/A	N/A	N/A

Premier Financial has higher revenue and earnings than First NBC Bank.

Analyst Ratings

This is a breakdown of current recommendations for Premier Financial and First NBC Bank, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Premier Financial	0	3	1	0	2.25
First NBC Bank	0	0	0	0	0.00

Premier Financial presently has a consensus target price of $22.50, suggesting a potential downside of 20.27%. Given Premier Financial’s stronger consensus rating and higher possible upside, analysts clearly believe Premier Financial is more favorable than First NBC Bank.

Profitability

This table compares Premier Financial and First NBC Bank’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Premier Financial	16.12%	7.66%	0.87%
First NBC Bank	N/A	N/A	N/A

Institutional and Insider Ownership

66.1% of Premier Financial shares are owned by institutional investors. 2.2% of Premier Financial shares are owned by company insiders. Comparatively, 8.4% of First NBC Bank shares are owned by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.

Summary

Premier Financial beats First NBC Bank on 8 of the 9 factors compared between the two stocks.

About Premier Financial

Premier Financial Corp., through its subsidiaries, provides various banking services. It offers demand, checking, money market, and savings accounts, as well as certificates of deposits and certificates of deposit account registry service; and investment products. The company also provides residential and commercial real estate, commercial, construction, home improvement and home equity, installment, and consumer loans. In addition, it invests in the U.S. treasury and federal government agency obligations, obligations of states and political subdivisions, mortgage-backed securities that are issued by federal agencies, residential collateralized mortgage obligations, and corporate bonds. Further, the company offers property and casualty, life, and group health insurance agency services; mezzanine funding services; and digital banking services, which include mobile banking, zelle, online bill pay, and online account opening, as well as the MoneyPass ATM network. It operates in Ohio, Michigan, Indiana, Pennsylvania, and West Virginia. The company was formerly known as First Defiance Financial Corp. and changed its name to Premier Financial Corp. in June 2020. Premier Financial Corp. was founded in 1920 and is headquartered in Defiance, Ohio.

About First NBC Bank

First NBC Bank Holding Company operates as the bank holding company for First NBC Bank that provides a range of financial services for businesses, institutions, and individuals. The company's deposit products include savings deposits, money market accounts, negotiable order of withdrawal accounts, and certificates of deposit. Its loan portfolio comprises construction, commercial and consumer real estate, commercial and industrial, and consumer loans. The company also offers trust services, credit cards, and wire transfers. As of August 15, 2016, it operated 39 full service banking offices in New Orleans metropolitan area, Mississippi Gulf Coast, and the Florida panhandle. First NBC Bank Holding Company was founded in 2006 and is headquartered in New Orleans, Louisiana. On May 11, 2017, First NBC Bank Holding Company filed a voluntary petition for reorganization under Chapter 11 in the US Bankruptcy Court for the Eastern District of Louisiana. First NBC Bank Holding Company operates as a subsidiary of First NMTC 2, LLC.