Reviewing Glacier Bancorp (NASDAQ:GBCI) and Premier Financial Bancorp (NASDAQ:PFBI)

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Glacier Bancorp (NASDAQ:GBCI) and Premier Financial Bancorp (NASDAQ:PFBI) are both finance companies, but which is the better investment? We will contrast the two companies based on the strength of their institutional ownership, risk, profitability, earnings, dividends, analyst recommendations and valuation.

Analyst Ratings

This is a breakdown of current ratings for Glacier Bancorp and Premier Financial Bancorp, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Glacier Bancorp 0 1 1 0 2.50
Premier Financial Bancorp 0 0 0 0 N/A

Glacier Bancorp currently has a consensus price target of $40.50, suggesting a potential downside of 7.26%. Given Glacier Bancorp’s higher possible upside, research analysts clearly believe Glacier Bancorp is more favorable than Premier Financial Bancorp.

Valuation and Earnings

This table compares Glacier Bancorp and Premier Financial Bancorp’s top-line revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Glacier Bancorp $587.82 million 6.85 $181.88 million $2.17 20.12
Premier Financial Bancorp $74.92 million 3.44 $20.17 million N/A N/A

Glacier Bancorp has higher revenue and earnings than Premier Financial Bancorp.

Insider & Institutional Ownership

73.5% of Glacier Bancorp shares are owned by institutional investors. Comparatively, 31.8% of Premier Financial Bancorp shares are owned by institutional investors. 0.6% of Glacier Bancorp shares are owned by company insiders. Comparatively, 12.6% of Premier Financial Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock is poised for long-term growth.

Profitability

This table compares Glacier Bancorp and Premier Financial Bancorp’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Glacier Bancorp 30.85% 12.65% 1.68%
Premier Financial Bancorp 28.13% 10.51% 1.40%

Risk & Volatility

Glacier Bancorp has a beta of 1.18, meaning that its share price is 18% more volatile than the S&P 500. Comparatively, Premier Financial Bancorp has a beta of 0.62, meaning that its share price is 38% less volatile than the S&P 500.

Dividends

Glacier Bancorp pays an annual dividend of $1.16 per share and has a dividend yield of 2.7%. Premier Financial Bancorp pays an annual dividend of $0.60 per share and has a dividend yield of 3.4%. Glacier Bancorp pays out 53.5% of its earnings in the form of a dividend. Glacier Bancorp has increased its dividend for 7 consecutive years.

Summary

Glacier Bancorp beats Premier Financial Bancorp on 12 of the 15 factors compared between the two stocks.

Glacier Bancorp Company Profile

Glacier Bancorp, Inc. operates as the holding company for Glacier Bank that provides commercial banking services to individuals, small to medium-sized businesses, community organizations, and public entities in the United States. It offers non-interest bearing deposit and interest bearing deposit accounts, such as negotiable order of withdrawal and demand deposit accounts, savings accounts, money market deposit accounts, fixed rate certificates of deposits, negotiated-rate jumbo certificates, and individual retirement accounts. The company also provides construction and permanent loans on residential real estate; consumer land or lot acquisition loans; unimproved land and land development loans; and residential builder guidance lines comprising pre-sold and spec-home construction, and lot acquisition loans. In addition, it offers commercial real estate loans to purchase, construct, and finance commercial real estate properties; consumer loans secured by real estate, automobiles, or other assets; second mortgage loans; municipal loans; home equity loans consisting of 1-4 family junior lien mortgages, and first and junior lien lines of credit secured by residential real estate; and agriculture loans. Further, the company provides mortgage origination services. It has 167 locations, including 149 branches and 18 loan or administration offices in 63 counties within 7 states comprising Montana, Idaho, Utah, Washington, Wyoming, Colorado, and Arizona. The company was incorporated in 2004 and is headquartered in Kalispell, Montana.

Premier Financial Bancorp Company Profile

Premier Financial Bancorp, Inc. offers banking products and services. The company offers demand deposits and interest and non-interest bearing time and savings deposits. The company's deposits include jumbo deposits and retail time deposits. The bank provides commercial and industrial loans, consumer loans, commercial real estate loans, and other loans and leases. The bank offers consumer loans, including credit card loans, revolving credit plans, and automotive loans. The bank offers commercial real estate loans for land development and on-site construction of industrial, commercial, residential, or farm buildings in the United States; real estate-backed residential loans; and commercial loans collateralized by real estate properties. The company offers domestic and foreign commercial and industrial loans. It offers loans for the purpose of financing agricultural production; loans which include planned and unplanned overdrafts, to governments in non-U.S. countries, to their official institutions, and to international and regional institutions. For 2017, it has an asset value of 1.7 million USD. The bank has generated a net income of 20,168 USD in December 31, 2017. Premier Financial Bancorp, Inc. was founded in 1991 and is based in Huntington, West Virginia.

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