PFC Earnings

PFC reported its FY2024Q3 earnings on 2024-10-22, showcasing a revenue of 62.42M against an estimate of 63.30M, resulting in a -1.39% surprise. The EPS was 0, surpassing the expected 0.51 by 0% . The stock experienced a 1.62% price change on the earnings day and a 2.75% change over the next five days, reflecting market reactions to the results.

Following PFC's FY2024Q3 earnings announcement on 2024-10-22, the stock price moved by 1.62% on the day of the release. Over the subsequent five days, it saw a 2.75% change. Historically, PFC's stock price tends to shift by an average of -2.97% in the 10 days leading up to earnings and -1.21% in the 10 days following, providing insight into potential market.

For 2025/Q1, analysts estimate PFC’s annual revenue to reach 64.55M, while the EPS is projected at 0.50. These estimates reflect recent revisions, with revenue estimates revised Revenue No Change by 0% and EPS estimates No Change by 0% over the past three months, indicating analyst expectation in the company’s performance.

The correlation between PFC's stock price and earnings forecast revisions shows that positive revisions in revenue or EPS often strengthen the stock’s fundamentals. Over the past three months, revenue estimates for FY2025 were No Change by 0%, while EPS estimates moved No Change by 0% . This trend suggests that price dips could present buying opportunities for investors.

Based on historical trends, PFC's stock price typically moves by -2.97% in the 10 days before its earnings and -1.21% in the 10 days after. For the upcoming 2025/Q1 earnings, analysts expect an EPS of 0.50 and revenue of 64.55M.

The earnings call summary presents a mixed picture. Financial performance is stable, with no major year-over-year changes, and expenses are managed well. However, there are concerns about migration to substandard loans, competitive pressures, and narrower debt service coverage ratios. The Q&A section provides reassurance on these issues, indicating potential for stabilization and growth. The repricing program shows positive early results. Overall, while there are concerns, the company's management appears proactive, leading to a neutral sentiment in the short term.