Prime Meridian Holding Company (PMHG) Stock Analysis
DELISTED 2026
What happened to Prime Meridian Holding Company (PMHG) stock?
Prime Meridian Holding Company (PMHG) no longer trades on public markets. It was delisted in March 2026. The figures below are historical and are not a current quote.
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Prime Meridian Holding Company (PMHG). Prime Meridian Holding Company, established in 2008, operates as the bank holding company for Prime Meridian Bank, providing consumer and commercial banking services. Sector: Financial services.
Last analyzed: Mar 18, 2026Prime Meridian Holding Company (PMHG) Financial Services Profile
Prime Meridian Holding Company, through Prime Meridian Bank, delivers consumer and commercial banking services in Florida, emphasizing deposit accounts and diverse loan products. With a $0.20 billion market cap and a focus on community banking, PMHG navigates the competitive regional banking landscape while maintaining a conservative beta of 0.05.
What Is the Investment Thesis for PMHG?
Prime Meridian Holding Company presents a focused investment opportunity within the Florida regional banking sector. With a market capitalization of $0.20 billion and a P/E ratio of 37.62, the company's valuation reflects its growth potential and profitability, indicated by a 9.5% profit margin. The company's conservative beta of 0.05 suggests lower volatility compared to the broader market. Growth catalysts include expanding its loan portfolio and enhancing digital banking services. However, potential risks include competition from larger regional banks and adapting to evolving fintech trends. The dividend yield of 0.44% provides a modest income component.
Based on FMP financials and quantitative analysis
PMHG Key Highlights
Market capitalization of $0.20 billion, indicating its size within the regional banking sector.
- P/E ratio of 37.62, reflecting investor expectations for future earnings growth.
- Profit margin of 9.5%, demonstrating the company's ability to generate profits from its operations.
- Gross margin of 45.5%, showcasing the efficiency of its core banking services.
- Beta of 0.05, suggesting lower volatility compared to the overall market, which may appeal to risk-averse investors.
Who Are PMHG's Competitors?
PMHG is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| CBTN Citizens Bancorp Investment, Inc. | $35.55 | +0.14% | $211M | 63 |
| CCFN Muncy Columbia Financial Corporation | $28.64 | +0.00% | $304M | 49 |
| FFMH First Farmers and Merchants Corporation | $63.20 | +0.00% | $250M | 62 |
| FIEB First IC Corporation | $20.49 | +0.00% | $186M | 52 |
| FXLG FS Bancorp | $51.99 | -1.72% | $215M | 54 |
| USB U.S. Bancorp | $62.61 | -0.33% | $97.5B | 96 |
| FHN First Horizon Corporation | $24.87 | -3.68% | $11.8B | 92 |
| ZION Zions Bancorporation, National Association | $68.39 | +0.15% | $9.98B | 98 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are PMHG's Key Strengths?
Strong local market presence in Florida.
- Experienced management team.
- Diverse loan portfolio.
- Commitment to personalized customer service.
What Are PMHG's Weaknesses?
Limited geographic reach compared to larger regional banks.
- Smaller asset base restricts lending capacity.
- Dependence on Florida economy.
- Higher P/E ratio compared to peers may indicate overvaluation.
What Could Drive PMHG Stock Higher?
Potential expansion of digital banking services to attract a younger demographic.
- Focus on increasing commercial lending to small and medium-sized businesses in Florida.
- Efforts to enhance wealth management services to generate fee income.
- Possible strategic acquisitions of smaller community banks or credit unions.
- Continued investment in technology to improve operational efficiency and customer experience.
What Are the Key Risks for PMHG?
Financial-distress signal — its Altman Z-Score of 0.44 sits in the distress zone (elevated bankruptcy risk).
- Increased competition from larger national and regional banks in Florida.
- Technological disruption from fintech companies offering alternative banking solutions.
- Economic downturn in Florida impacting loan demand and asset quality.
- Increasing regulatory requirements and compliance costs.
- Limited liquidity due to trading on the OTC market.
What Are the Growth Opportunities for PMHG?
- Expansion of Digital Banking Services: Prime Meridian can capitalize on the growing demand for digital banking solutions by enhancing its mobile and online platforms. Investing in user-friendly interfaces, advanced security features, and a wider range of digital services can attract new customers and retain existing ones. The digital banking market is projected to reach $9 trillion in transaction value by 2027, offering a substantial growth opportunity. Timeline: Ongoing.
- Strategic Branch Expansion: While digital banking grows, physical presence remains important for customer acquisition and relationship building. Expanding into underserved markets within Florida can drive deposit and loan growth. Identifying areas with strong economic growth and limited banking options can provide a competitive advantage. Each new branch could potentially add $20-30 million in deposits within three years. Timeline: Next 3-5 years.
- Increased Commercial Lending: Focusing on expanding its commercial loan portfolio, particularly to small and medium-sized businesses (SMBs), can drive revenue growth. Offering tailored loan products, competitive interest rates, and personalized service can attract SMB clients. The SMB lending market is estimated at $800 billion annually, presenting a significant opportunity. Timeline: Ongoing.
- Enhanced Wealth Management Services: Offering wealth management services, including investment advice, retirement planning, and estate planning, can generate fee income and attract high-net-worth clients. Partnering with experienced financial advisors and leveraging technology can enhance the service offering. Timeline: Next 2-3 years.
- Strategic Acquisitions: Acquiring smaller community banks or credit unions can expand Prime Meridian's market share and geographic reach. Identifying targets with complementary business models and strong customer relationships can create synergies and drive growth. The community banking M&A market is expected to remain active, with numerous opportunities for consolidation. Timeline: Opportunistic.
What Are PMHG's Competitive Advantages?
- Established presence in local Florida markets.
- Strong customer relationships built on personalized service.
- Community bank reputation and brand recognition.
- Experienced management team with local market knowledge.
What Does PMHG Do?
Prime Meridian Holding Company, founded in 2008, serves as the bank holding company for Prime Meridian Bank. The bank offers a range of consumer and commercial banking services to individuals and businesses primarily in the Florida market. Its deposit products include checking, money market, savings, term certificate of deposit, demand interest-bearing and non-interest-bearing, health savings, NOW, and escrow accounts, alongside retirement savings plans and time deposits. On the lending side, Prime Meridian provides commercial real estate, residential real estate and home equity, small business administration (SBA), construction, equipment, and commercial loans. Additionally, it offers consumer loans for automobiles, boats, and recreational vehicles, as well as standby letters and business lines of credit. Beyond traditional banking, Prime Meridian offers debit and credit cards, mobile and online banking services, including remote and mobile deposit, Apple Pay, and bank-to-bank transfers. The company also provides safe deposit boxes, wire transfer services, foreign exchange, direct deposits, notary services, night depository, official checks, domestic collections, bank drafts, automated teller services, drive-in tellers, merchant card services, and banking by mail. The company operates four banking offices located in Tallahassee, Crawfordville, and Lakeland, Florida, focusing on community-centered banking solutions.
What Products and Services Does PMHG Offer?
- Provides checking, savings, and money market accounts.
- Offers commercial real estate and residential mortgage loans.
- Provides small business administration (SBA) loans.
- Offers equipment and construction loans.
- Provides consumer loans for vehicles and recreational equipment.
- Issues standby letters of credit and business lines of credit.
- Offers debit and credit cards.
- Provides online and mobile banking services.
How Does PMHG Make Money?
- Generates revenue through interest income from loans.
- Earns fees from deposit accounts and other banking services.
- Invests in securities to generate additional income.
- Manages risk through diversification of loan portfolio and prudent underwriting practices.
What Industry Does PMHG Operate In?
Prime Meridian Holding Company operates in the competitive regional banking industry within Florida. The industry is characterized by increasing consolidation, technological disruption from fintech companies, and evolving regulatory requirements. Prime Meridian competes with larger national and regional banks, as well as smaller community banks, for deposits and loans. The company's focus on personalized service and local market knowledge differentiates it within this landscape. The regional banking sector is experiencing moderate growth, driven by economic expansion in Florida and increasing demand for banking services from small businesses and consumers.
Who Are PMHG's Key Customers?
- Individuals seeking personal banking services.
- Small and medium-sized businesses requiring commercial banking solutions.
- Real estate developers and investors.
- Consumers seeking financing for vehicles and other purchases.
Company Profile
Prime Meridian Holding Company operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Tallahassee, US. The company is led by CEO Sammie Daniels Dixon Jr.. PMHG has traded publicly since 2018.
Financial Health
Prime Meridian Holding Company's Piotroski F-Score is 5/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.44 places it in the distress zone, a signal of elevated financial risk.
PMHG Financials
Bull Case vs Bear Case
Bull Case
- Strong local market presence in Florida.
- Experienced management team.
- Diverse loan portfolio.
- Commitment to personalized customer service.
Bear Case
- Limited geographic reach compared to larger regional banks.
- Smaller asset base restricts lending capacity.
- Dependence on Florida economy.
- Higher P/E ratio compared to peers may indicate overvaluation.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
PMHG Latest News
No recent news available for PMHG.
Leadership: Sammie Daniels Dixon Jr.
CEO
Sammie Daniels Dixon Jr. serves as the CEO of Prime Meridian Holding Company. His leadership is pivotal in guiding the company's strategic direction and overseeing its operations. Information about his detailed career history and educational background is not available in the provided data. However, as CEO, he is responsible for managing the company's 110 employees and ensuring its financial performance.
Track Record: Specific achievements and milestones under Sammie Daniels Dixon Jr.'s leadership are not detailed in the provided data. However, as CEO since an unknown date, he is responsible for navigating the company through the competitive regional banking landscape and ensuring its continued growth and profitability. His focus is likely on expanding the bank's market share, enhancing its digital capabilities, and maintaining strong customer relationships.
PMHG OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that Prime Meridian Holding Company may not meet the minimum financial standards or reporting requirements of higher tiers like OTCQX or OTCQB. Companies in this tier may have limited financial disclosure, potentially increasing investment risk. Unlike NYSE or NASDAQ listings, which require strict adherence to listing standards, OTC Other companies face fewer regulations, leading to greater information asymmetry and potential for volatility.
- OTC Tier: OTC Other
- Limited financial disclosure increases information asymmetry.
- Lower liquidity can lead to price volatility and difficulty in trading.
- Higher potential for fraud or manipulation due to less stringent regulatory oversight.
- OTC Other companies may have a higher risk of delisting or going out of business.
- Limited analyst coverage and institutional interest.
- Verify the company's registration and regulatory filings.
- Review available financial statements and assess their accuracy.
- Research the background and experience of the management team.
- Evaluate the company's business model and competitive landscape.
- Assess the company's capital structure and debt levels.
- Monitor trading volume and bid-ask spreads to gauge liquidity.
- Consult with a qualified financial advisor.
- Established history of operations since 2008.
- Presence of physical banking offices in multiple locations.
- Membership in relevant industry associations.
- Positive customer reviews and testimonials.
- Audited financial statements (if available).
Common Questions About PMHG (Financial Services)
What happened to Prime Meridian Holding Company (PMHG) stock?
Prime Meridian Holding Company (PMHG) no longer trades on public markets. It was delisted in March 2026. The figures below are historical and are not a current quote.
Can I still buy PMHG shares?
No. PMHG stopped trading on public markets in March 2026, so the shares are not available through a broker. Anything you see quoted for PMHG elsewhere is historical data, not a live market.
Are the figures on this page current?
No. Every number here is the last value recorded before PMHG stopped trading. Nothing on this page updates, and none of it is a current quote.
Why does this page still exist?
Because people still search for what happened to Prime Meridian Holding Company. An archived profile that states the delisting plainly is more useful than a dead link — provided it is labelled as history, which is what this page does.
What does Prime Meridian Holding Company do?
Prime Meridian Holding Company operates as the bank holding company for Prime Meridian Bank, providing a range of consumer and commercial banking services. These services include deposit accounts such as checking, savings, and money market accounts, as well as loan products like commercial real estate, residential mortgages, and small business loans.
What are the main risks for PMHG?
The main risks for Prime Meridian Holding Company include competition from larger national and regional banks, technological disruption from fintech companies, and the potential for an economic downturn in Florida. Additionally, increasing regulatory requirements and compliance costs could impact profitability. As an OTC-listed company, PMHG faces risks associated with limited liquidity and financial disclosure. Investors should carefully assess these risks before investing.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Limited information available on CEO's detailed background and track record.
- OTC market carries higher risks compared to NYSE or NASDAQ.
- AI analysis pending for PMHG.