Premier Community Bankshares Inc (PREM) fair value: what the stock is really worth
As of Sep 24, 2026: fair value of Premier Community Bankshares Inc $0.04, price $0.03, upside +18.6%, quality 28 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.
How to read this chart
60‑month range $0.0210 – $2.85 · fair‑value band $0.0303 – $0.0454 · the $0.0339 price screens below the $0.0402 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 2026.
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Premier Air Charter Holdings Inc., together with its subsidiaries, operates chartered flights and manages leased aircraft. Its fleet of aircraft includes light jets, turbojets, and mid-large jets. The company is involved in the jet charter business, including private charters, and aircraft management and sales.
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Premier Air Charter Holdings Inc., together with its subsidiaries, operates chartered flights and manages leased aircraft. Its fleet of aircraft includes light jets, turbojets, and mid-large jets. The company is involved in the jet charter business, including private charters, and aircraft management and sales. It also provides bespoke aviation solutions, as well as aviation service. The company was formerly known as Altair International Corp. and changed its name to Premier Air Charter Holdings Inc. in April 2025. The company is based in Carlsbad, California.
Stock analysis
Premier Community Bankshares Inc (PREM) currently trades at $0.0339, while our model-based Fair Value estimate is $0.0402, implying the stock looks roughly 15.7% undervalued today.
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Valuation
How firm this estimate is: it rests on 6 models at a data quality of 95/100, which puts the evidence level at low.
Scenario range: $0.0303 (bear) to $0.0454 (bull), the price of $0.0339 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 28/100 (below-average quality), in the Industrials sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Premier Community Bankshares Inc reported revenue of $31.9M in FY2025 versus $0 in FY2021. Reported net income was −$3.9M in FY2025.
Key figures
Market cap $1.9M · P/S ratio 0.06 · EPS (TTM) $−0.0100 · Net margin −12.1% · Return on equity −26,026% · Return on assets (EBIT) −1,347% · Operating margin −10.3% · Revenue (TTM) $33.2M.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 31 out of 100 (low confidence).
What moves the price
The share trades about 55% below its 52-week high and 54% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Industrials peers we cover trades at 31% fair-value upside, at 19%, PREM screens richer than that median.
Fair Value models
Bear $0.0303Fair Value $0.0402Bull $0.0454
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.48/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2025 is a loss year, no rate is defined from a loss
not computed
Growth Forecast
Little optimism in the price
The price assumes less growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
−7.1%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (USA: IMF forecast 2.4% a year to 2030, 3.1% from 2016 to 2025) that is about −9.2% a year for the price.
Compare Premier Community Bankshares Inc with another stock
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Airlines · 59 stocks
Beats the industry median on 4/8 measures
A mixed picture versus its industry peers.
Valuation
Quality Score28 · Bottom 25%
Fair Value upside+62% · Top 25%
Profitability
Return on equity (TTM)Negative equity ⓘThe company's equity is below zero, for example after large share buybacks. A ratio to negative equity has no meaning, so we show no number here and do not rank it against the peer group.
Return on assets−5% · Bottom 25%
Net margin (TTM)−11% · Bottom 25%
Operating margin (TTM)−10% · Bottom 25%
Growth and dividend
Revenue growth23% · Top 25%
Balance sheet
Debt / equityNegative equity ⓘThe company's equity is below zero, for example after large share buybacks. A ratio to negative equity has no meaning, so we show no number here and do not rank it against the peer group.
Valuation Multiplesvs Airlines median · lower = cheaper
P/BNegative equity ⓘThe company's equity is below zero, for example after large share buybacks. A ratio to negative equity has no meaning, so we show no number here and do not rank it against the peer group.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Premier Community Bankshares Inc Fair Value". https://www.fairvalue-calculator.com/stock/PREM
Frequently asked questions
Is Premier Community Bankshares Inc (PREM) overvalued or undervalued?
As of Sep 23, 2026, our model estimates a fair value of $0.0402 versus a price of $0.0339, about +19% upside (undervalued).
What is the fair value of PREM?
Our model-based fair value for Premier Community Bankshares Inc is $0.0402 (as of Sep 23, 2026), built from audited fundamentals. The current price: $0.0339.
What is the quality score of PREM?
Premier Community Bankshares Inc has a Quality Score of 28/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Premier Community Bankshares Inc (PREM)?
Our model-based price target is the fair value of $0.0402 (as of Sep 23, 2026) from 7 valuation models. Cautious scenario $0.0303, optimistic scenario $0.0454. It is a calculation from audited fundamentals, not an analyst target.
What is the Premier Community Bankshares Inc stock forecast for 2026?
Our models put fair value at $0.0402, about +19% upside versus a price of $0.0339 (undervalued). Cautious scenario $0.0303, optimistic scenario $0.0454. The calculation is refreshed regularly with new filings.
What is the revenue of Premier Community Bankshares Inc (PREM)?
Premier Community Bankshares Inc reported trailing-twelve-month revenue of about $33.2M (latest available figure, as of Sep 23, 2026).
What growth is priced into Premier Community Bankshares Inc (PREM)?
For today's price to be fair in a discounted-cash-flow model, Premier Community Bankshares Inc would have to grow free cash flow by -7.1 % per year for five years (discount rate 9.7 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 2 years revenue grew +26.9 % per year. As of Sep 23, 2026.
What discount rate (WACC) does the fair value of PREM use?
Our models discount Premier Community Bankshares Inc at 9.7 %: a base by market capitalisation (nano), country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Premier Community Bankshares Inc that is -7.1 % per year a year over ten years, using the same discount rate (9.7 %) and the same formula as our fair value.
How much growth has Premier Community Bankshares Inc (PREM) delivered so far?
Over the past 2 years revenue at Premier Community Bankshares Inc grew +26.9 % a year. The price currently implies -7.1 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Premier Community Bankshares Inc (PREM) growing?
The median revenue growth in the sector is +4.7 % a year. That is the yardstick for the growth priced into Premier Community Bankshares Inc (-7.1 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Premier Community Bankshares Inc (PREM)?
The free-cash-flow yield on the price is 12.49 %: that much free cash flow Premier Community Bankshares Inc produces per unit of market value. When it exceeds the discount rate of our models (9.7 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Premier Community Bankshares Inc (PREM)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Premier Community Bankshares Inc it is $0.0402 per share (as of Sep 23, 2026), against a price of $0.0339. It is the blended result of 7 valuation models (cash flow, earnings, asset, dividend).
Is Premier Community Bankshares Inc stock overvalued or undervalued in 2026?
As of Sep 23, 2026, PREM trades below its calculated fair value: price $0.0339, fair value $0.0402, a gap of about +19% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of PREM?
No. The price is what the market pays today ($0.0339); the fair value is what the company's own numbers justify ($0.0402). For Premier Community Bankshares Inc the two are $0.0063 per share apart. That gap is exactly why we show both numbers side by side.
How much is Premier Community Bankshares Inc worth?
The market values Premier Community Bankshares Inc at about $1.9M (market capitalisation, as of Sep 23, 2026). Per share that is $0.0339; our models calculate a fair value of $0.0402 per share.
What do the bullish and bearish scenarios say about PREM?
Our models span a range for Premier Community Bankshares Inc: cautious scenario $0.0303, base $0.0402, optimistic $0.0454 per share (as of Sep 23, 2026, price $0.0339). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Premier Community Bankshares Inc (PREM)?
Balance-sheet figures for Premier Community Bankshares Inc (as of Sep 23, 2026): negative equity, so no return on equity and no debt-to-equity ratio. They feed the Quality Score of 28/100, which measures business quality independently of the share price.
How far is PREM from its 52-week high?
Premier Community Bankshares Inc trades at $0.0339, about 55% below its 52-week high of $0.0750 and 54% above the low of $0.0220 (as of Sep 24, 2026). Distance from the high says nothing about value: that is what the fair value of $0.0402 is for.
Which stocks are comparable to Premier Community Bankshares Inc?
From the same area (Industrials) we also value Delta Air Lines, Inc, United Airlines Holdings, Ryanair Holdings, Southwest Airlines Co, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Premier Community Bankshares Inc stock attractive at the current price?
The data as of Sep 23, 2026: price $0.0339, calculated fair value $0.0402 (+19%), Quality Score 28/100, from 7 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of PREM calculated?
We run Premier Community Bankshares Inc through 7 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $0.0402, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.0 % above its aggregate fair value. Premier Community Bankshares Inc currently trades 19 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Premier Community Bankshares Inc (PREM)?
The closing price on Sep 24, 2026 was $0.0339. Our model-based fair value is $0.0402, about +19% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Premier Community Bankshares Inc right now?
Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual. The price sits in the lower half of our model range, the side with the larger margin of safety. Read the verdict with care: some models are missing inputs, so the estimate scatters more than usual.
Key figures of Premier Community Bankshares Inc
How large is the market capitalisation of Premier Community Bankshares Inc (PREM)?
The market capitalisation of Premier Community Bankshares Inc is $1.9M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Premier Community Bankshares Inc (PREM)?
The price-to-sales ratio of Premier Community Bankshares Inc is 0.06 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Premier Community Bankshares Inc (PREM)?
Earnings per share at Premier Community Bankshares Inc are $−0.0100. Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Premier Community Bankshares Inc (PREM)?
The net margin of Premier Community Bankshares Inc is −12.1% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Premier Community Bankshares Inc (PREM)?
The return on equity (ROE) of Premier Community Bankshares Inc is −26,026% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Premier Community Bankshares Inc (PREM)?
On an EBIT basis the return on assets of Premier Community Bankshares Inc is −1,347% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Premier Community Bankshares Inc (PREM)?
The operating margin of Premier Community Bankshares Inc is −10.3% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Premier Community Bankshares Inc (PREM)?
Revenue at Premier Community Bankshares Inc is growing +22.6% versus a year earlier. How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How much net cash does Premier Community Bankshares Inc (PREM) hold?
Premier Community Bankshares Inc holds more cash than debt, $213K net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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Thin data
Sep 23, 2026