Private company

PREMIER FINANCIAL CORP

PREMIER FINANCIAL CORP is an American state commercial bank based in Dubuque, incorporated in Ohio.2

Last updated Oct 20, 2026.

Overview

  • IndustryState Commercial Banks2
  • HeadquartersDubuque, United States2
  • Incorporated inOH3
  • Business address601 Clinton St, Defiance, Oh 435123
  • Filer categoryLarge accelerated filer3
  • Legal formProfit Corporation2
  • LEI549300JGKN0NL8JSA4692
  • StatusActive2
  • LEI statusIssued and current2
  • Registered addressC/O Jerod Driscoll, 52002 Dubuque, United States2
  • Registered withBusiness Services Division (Secretary of State), 2156652

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Premier Financial Corp. (“Premier” or the “Company”) is a financial holding company for its wholly-owned subsidiaries, Premier Bank (the "Bank"), PFC Risk Management Inc. (“PFC Risk Management”), PFC Capital, LLC (“PFC Capital”) and First Insurance Group of the Midwest, Inc. (“First Insurance”). All significant intercompany transactions and balances are eliminated in consolidation. Premier’s stock is traded on the NASDAQ Global Select Market under the ticker PFC.4 From its latest annual report

Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

Financial statements

Net income56789$71.4M in 2024+54% since 2018
0$50.0M$100.0M$150.0M2018: $46.2M$46.2M20182019: $49.4M$49.4M2019+7%2020: $63.1M$63.1M2020+28%2021: $126.1M$126.1M2021+100%2022: $102.2M$102.2M2022−19%2023: $111.3M$111.3M2023+9%2024: $71.4M$71.4M2024−36%
Fiscal year20182019202020212022202320242025
Interest$16.5M5$25.4M6$29.9M7$16.2M8$34.8M8$148.4M8
Income before tax$156.4M8$126.3M9$139.5M9$89.7M9
Income tax$10.6M5$11.3M6$16.2M7$30.4M8$24.1M9$28.2M9$18.3M9
Net income$46.2M5$49.4M6$63.1M7$126.1M8$102.2M9$111.3M9$71.4M9
Earnings per share$2.275$2.496$1.757$3.398$2.869$3.119$1.999
Earnings per share (diluted)$2.265$2.486$1.757$3.398$2.859$3.119$1.989
Shares (weighted, basic)37.1M shares835.7M shares935.7M shares935.7M shares9

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Corporate structure

PREMIER FINANCIAL CORP sits at the top of its group. 2 entities, 1 country on record. Switch between the flow chart and the network, and select any entity to see its details.

Major holders of PREMIER FINANCIAL CORP

  • DIMENSIONAL FUND ADVISORS LP Filed SCHEDULE 13G/A on PREMIER FINANCIAL CORP, latest Apr 15, 2025 (4 filings since Feb 8, 2022)
  • BlackRock Filed SC 13G/A on PREMIER FINANCIAL CORP, latest Nov 12, 2024 (2 filings since Oct 23, 2024)
  • VANGUARD GROUP INC Filed SC 13G/A on PREMIER FINANCIAL CORP, latest Feb 13, 2024 (3 filings since Feb 10, 2022)
  • PREMIER FINANCIAL CORP Dubuque, Iowa, United States
    • Premier Bank Subsidiary · Dubuque, Iowa, United States

Built from parent and subsidiary links from GLEIF, the Global Legal Entity Identifier Foundation (CC0); major holders from Schedules 13D and 13G. Each entity in the chart links to its source.

What it owns

What PREMIER FINANCIAL CORP reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Property and equipment

ItemLatestA year beforeChange
Land$13.4M9 Dec 31, 2024$14.1M9 Dec 31, 2023−5.4%
Buildings and improvements$60.6M9 Dec 31, 2024$60.5M9 Dec 31, 2023+0.3%
Furniture and fixtures$47.9M9 Dec 31, 2024$44.4M9 Dec 31, 2023+7.9%
Leasehold improvements$3.2M9 Dec 31, 2024$3.2M9 Dec 31, 20230%
Construction in progress$1.7M9 Dec 31, 2024$4.3M9 Dec 31, 2023−61.1%
Property and equipment, before depreciation$128.9M9 Dec 31, 2024$128.5M9 Dec 31, 2023+0.4%
Accumulated depreciation$75.2M9 Dec 31, 2024$71.6M9 Dec 31, 2023+5.1%
Property and equipment, net$53.7M9 Dec 31, 2024$56.9M9 Dec 31, 2023−5.6%
Operating-lease assets (leased space)$21.1M9 Dec 31, 2024$13.5M9 Dec 31, 2023+56.3%

Investments

ItemLatestA year beforeChange
Cash and cash equivalents$121.5M9 Dec 31, 2024$114.8M9 Dec 31, 2023+5.9%
Debt securities available for sale$1.2B9 Dec 31, 2024$946.7M9 Dec 31, 2023+22.2%
Equity securities at fair value$4.0M9 Dec 31, 2024$5.8M9 Dec 31, 2023−30.1%
Loans, net of allowance$6.7B8 Dec 31, 2023$6.4B8 Dec 31, 2022+4.3%
Deposits held (banks)$6.8B9 Dec 31, 2024$7.1B9 Dec 31, 2023−4.1%

Intangibles and goodwill

ItemLatestA year beforeChange
Goodwill$295.6M9 Dec 31, 2024$295.6M9 Dec 31, 20230%
Finite-lived intangibles, gross$51.8M9 Dec 31, 2024$51.8M9 Dec 31, 20230%
Accumulated amortization$43.3M9 Dec 31, 2024$39.6M9 Dec 31, 2023+9.3%
Finite-lived intangibles, net$8.5M9 Dec 31, 2024$12.2M9 Dec 31, 2023−30.4%

Properties, in its own words

At December 31, 2024, the Bank conducted its business from its main office at 275 West Federal St., Youngstown, Ohio, and 72 other full-service banking centers and 9 loan offices in Ohio, Indiana, Michigan, and Pennsylvania. Premier maintained its headquarters at 601 Clinton St., Defiance, Ohio. A portion of our back-office operation departments, including information technology, loan processing and underwriting, deposit processing, accounting and risk management are located in an operations center located at 25600 Elliott Rd., Defiance, Ohio. See Note 8 to the Consolidated Financial Statements for additional information. The Company owns its main office and headquarters, as well as the Defiance operations center. Premier considers its properties adequate for the operation of the business.

Item 2 of the 10-K filed Feb 28, 2025.4

Leadership

Who has led PREMIER FINANCIAL CORP, and when. Pick a name to see everywhere that person has worked.

Chief executive

  1. William J. Small2006–2013
  2. Donald P. Hileman2014–2021
  3. Gary M. Small2023–2025

Chair

  1. William J. Small2006–2016

President

  1. William J. Small2006–2013
  2. Gregory R. Allen2007
  3. Donald P. Hileman2014–2019
  4. Vince Liuzzi2019
  5. Gary M. Small2020–2025

Chief financial officer

  1. John C. Wahl2006–2008
  2. Donald P. Hileman2009–2013
  3. Kevin T. Thompson2014–2019
  4. Paul D. Nungester Jr.2020–2025
2010201520202025
Board members and other officers (53)

Former names

  • FIRST DEFIANCE FINANCIAL CORPAug 9, 1996 to Jun 18, 20203

Timeline

  1. Mar 3, 20258-K Entered a material agreement; Completed an acquisition or sale; Listing notice or transfer74
  2. Feb 13, 20258-K Other events75
  3. Jan 21, 20258-K Results of operations76
  4. Dec 13, 20248-K Shareholder vote; Other events77
  5. Oct 22, 20248-K Results of operations78
  6. Jul 26, 20248-K Entered a material agreement; Other events79
  7. Jul 26, 20248-K Results of operations80
  8. May 3, 20248-K Shareholder vote81
  9. Apr 23, 20248-K Results of operations82
  10. Jan 23, 20248-K Results of operations83
  11. Oct 24, 20238-K Results of operations84
  12. Jul 25, 20238-K Results of operations85
  13. Feb 16, 2023New chief executive Gary M. Small becomes CEO13
  14. Jan 3, 2014New chief executive Donald P. Hileman becomes CEO14
  15. Mar 16, 2006New chief executive William J. Small becomes CEO15
  16. Mar 18, 1998Founded PREMIER FINANCIAL CORP is founded2

Calendar

When it reported results

  1. Jan 21, 2025Reported quarterly or annual results76
  2. Oct 22, 2024Reported quarterly or annual results78
  3. Jul 26, 2024Reported quarterly or annual results80
  4. Apr 23, 2024Reported quarterly or annual results82
  5. Jan 23, 2024Reported quarterly or annual results83
  6. Oct 24, 2023Reported quarterly or annual results84
  7. Jul 25, 2023Reported quarterly or annual results85
  8. Apr 25, 2023Reported quarterly or annual results86

Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar

Filings

297 filings to the SEC since October 2021: 4 annual reports, 10 quarterly reports, 27 major events, 212 insider forms, 14 large holders, 30 other. The latest 20:

  1. Apr 15, 2025SCHEDULE 13G/A EDGAR
  2. Mar 13, 202515-12G EDGAR
  3. Mar 3, 202525-NSE EDGAR
  4. Mar 3, 20258-K EDGAR
  5. Mar 3, 20254 OWNERSHIP DOCUMENT EDGAR
  6. Mar 3, 20254 OWNERSHIP DOCUMENT EDGAR
  7. Mar 3, 20254 OWNERSHIP DOCUMENT EDGAR
  8. Mar 3, 20254 OWNERSHIP DOCUMENT EDGAR
  9. Mar 3, 20254 OWNERSHIP DOCUMENT EDGAR
  10. Mar 3, 20254 OWNERSHIP DOCUMENT EDGAR
  11. Mar 3, 20254 OWNERSHIP DOCUMENT EDGAR
  12. Mar 3, 20254 OWNERSHIP DOCUMENT EDGAR
  13. Mar 3, 20254 OWNERSHIP DOCUMENT EDGAR
  14. Mar 3, 20254 OWNERSHIP DOCUMENT EDGAR
  15. Mar 3, 20254 OWNERSHIP DOCUMENT EDGAR
  16. Mar 3, 20254 OWNERSHIP DOCUMENT EDGAR
  17. Mar 3, 20254 OWNERSHIP DOCUMENT EDGAR
  18. Mar 3, 20254 OWNERSHIP DOCUMENT EDGAR
  19. Mar 3, 20254 OWNERSHIP DOCUMENT EDGAR
  20. Mar 3, 20254 OWNERSHIP DOCUMENT EDGAR

The 297 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Insider trades

23 open-market trades by officers, directors and large owners since October 2021: 2 buys and 21 sales. Grants, option exercises and gifts are left out.

DateWhoTradeSharesPriceValueFiling
Feb 14, 2025Hileman Donald P.DirectorSale1,500$29.31$44.0KForm 4
Jan 24, 2025Lanier Nikki RobinsonDirectorSale3,090$27.01$83.5KForm 4
Nov 18, 2024Rose Dennis E JrEVP, Chief Strategy OfficerSale2,000$27.98$56.0KForm 4
Nov 15, 2024Hileman Donald P.DirectorSale1,500$28.31$42.5KForm 4
Aug 23, 2024Rose Dennis E JrEVP, Chief Strategy OfficerSale2,000$25.01$50.0KForm 4
Aug 15, 2024Hileman Donald P.DirectorSale1,500$23.64$35.5KForm 4
May 15, 2024Hileman Donald P.DirectorSale1,500$21.19$31.8KForm 4
Feb 15, 2024Hileman Donald P.DirectorSale1,500$20.07$30.1KForm 4
Dec 6, 2023Rose Dennis E JrEVP, Chief Strategy OfficerSale1,500$22.00$33.0KForm 4
Nov 20, 2023Hileman Donald P.DirectorSale1,500$20.59$30.9KForm 4
Aug 14, 2023Hileman Donald P.DirectorSale1,500$21.31$32.0KForm 4
May 15, 2023Hileman Donald P.DirectorSale1,500$13.93$20.9KForm 4
Feb 13, 2023Hileman Donald P.DirectorSale1,500$24.95$37.4KForm 4
Jan 30, 2023Altman Louis MichaelDirectorSale13$24.69$321Form 4
Nov 15, 2022Hileman Donald P.DirectorSale500$30.66$15.3KForm 4
Nov 14, 2022Hileman Donald P.DirectorSale1,000$29.29$29.3KForm 4
Aug 15, 2022Hileman Donald P.DirectorSale2,000$28.66$57.3KForm 4
May 16, 2022Hileman Donald P.DirectorSale1,000$25.67$25.7KForm 4
Mar 15, 2022Bettinger Terri ADirectorBuy145$32.11$4.7KForm 4
Feb 14, 2022Hileman Donald P.DirectorSale1,000$30.56$30.6KForm 4

All 23 trades can be filtered by person here when JavaScript is on.

From Forms 4 filed with the SEC.

Major holders

Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.

SEC filer profile

How PREMIER FINANCIAL CORP is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

  • Name on EDGARPREMIER FINANCIAL CORP1
  • CIK0000946647
  • Employer ID (EIN)34-18039154
  • Filer statusLarge accelerated filer not an emerging growth company; not a smaller reporting company; not a shell company4
  • Incorporated inOhio4
  • Fiscal year endsDecember 311
  • Industry code (SIC)6022 State Commercial Banks1
  • SEC reviewing officeOffice of Finance, Division of Corporation Finance1
  • Business address601 Clinton St, Defiance, OH 435121
  • Phone41078250151
  • Shares outstanding35,925,095 shares as of Feb 28, 20254
  • Public float$717.2M as of Jun 30, 20244
  • AuditorCrowe LLP, Cleveland, Ohio PCAOB ID 173; no auditor attestation of internal control over financial reporting4
  • On EDGAR sinceAug 9, 19961
  • Filings1,682 in all: 4 (956), 8-K (218), 10-Q (86), 4/A (79), SC 13G/A (64), 3 (44), 425 (44), 10-K (29)1
    All 39 form types

    DEF 14A (29), SC 13G (16), 144 (11), DEFA14A (11), CORRESP (10), UPLOAD (10), S-8 (8), S-4/A (7), 10-K/A (6), 10-Q/A (6), EFFECT (6), PRE 14A (6), 424B3 (4), 5 (4), 8-K/A (4), S-4 (4), ARS (3), 424B5 (2), S-3 (2), S-8 POS (2), 15-12G (1), 25-NSE (1), 3/A (1), 424B2 (1), 424B4 (1), DEFM14A (1), FWP (1), POS AM (1), PRER14A (1), REGDEX (1), SCHEDULE 13G/A (1)

  • Latest filingsAnnual report (10-K) Feb 28, 2025
    Quarterly report (10-Q) Nov 12, 2024
    Proxy statement (DEF 14A) Mar 18, 2024
    Latest 8-K (8-K) Mar 3, 2025

Securities registered for trading

ClassSymbolExchange
Common Stock, Par Value $0.01 Per SharePFCThe NASDAQ Stock Market

From the cover page of the 10-K filed Feb 28, 2025 (Section 12(b) of the Exchange Act).4

Risk factors and legal proceedings

The risks PREMIER FINANCIAL CORP names in Item 1A of its 10-K filed Feb 28, 2025: 22 risks under these headings, as written.4

  • Economic and Market Risks
  • Premier’s loan portfolio includes a concentration of commercial real estate loans and commercial loans, which involve risks specific to real estate value and the successful operations of these businesses.
  • If Premier's actual credit losses exceed its allowance for credit losses, Premier's net income will decrease.
  • Changes in interest rates can adversely affect Premier’s profitability.
  • Legal and Regulatory Risks
  • Laws, regulations and periodic regulatory reviews may affect Premier’s results of operations.
  • Changes in tax laws could adversely affect Premier's financial condition and results of operations.
  • Increasing scrutiny and evolving expectations from customers, regulators, investors, and other stakeholders with respect to our environmental, social and governance practices may impose additional costs on us or expose us to new or additional risks.
  • Business and Operational Risks
  • Premier’s ability to meet cash flow needs on a timely basis at a reasonable cost may adversely affect net income.
  • Competition affects Premier’s earnings.
  • Negative public opinion could damage our reputation and impact business operations and revenues.
The other 13 risks
  • The increasing complexity of Premier’s operations presents varied risks that could affect its earnings and financial condition.
  • Unauthorized disclosure of sensitive or confidential client or customer information or confidential trade secrets, whether through a breach of the Company’s computer systems or otherwise, could severely harm its business.
  • Premier could suffer a material adverse impact from interruptions in the effective operation of, or security breaches affecting, Premier’s computer systems.
  • If Premier forecloses on collateral property resulting in Premier’s ownership of the underlying real estate, Premier may be subject to the increased costs associated with the ownership of real property, resulting in reduced income.
  • The Bank’s ability to pay dividends is subject to regulatory limitations which, to the extent Premier requires such dividends in the future, may affect its ability to pay dividends or repurchase its stock.
  • Failure to integrate or adopt new technology may undermine Premier’s ability to meet customer demands, leading to adverse effects on Premier’s financial condition and results of operations.
  • The Merger may create disruption and uncertainty for employees.
  • There may be challenges in integrating operations of the combined company.
  • The Merger may result in the loss of key customers and business relationships.
  • General Risk Factors
  • Economic, political and financial market conditions may adversely affect Premier’s operations and financial condition.
  • Premier is at risk of increased losses from fraud.
  • Premier may be the subject of litigation, which would result in legal liability and damage to its business and reputation.
  • Climate change or other adverse external events could significantly impact the Company’s business.

Legal proceedings

Premier and its subsidiaries are involved in various legal proceedings that arise in the ordinary course of its business. While the ultimate liability with respect to litigation matters and claims cannot be determined at this time, management believes any resulting liability and other amounts relating to pending matters are not likely to be material to the Company’s consolidated financial position or results of operations.

The opening of Item 3, Legal Proceedings.4

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