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UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON , D.C. 20549 FORM 10 - K ( Mark One ) ANNUAL REPORT PURSUANT TO SECTION 13 OR 15 ( d ) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31 , 2020 or TRANSITION REPORT PURSUANT TO SECTION 13 OR 15 ( d ) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number 0-26850 PREMIER FINANCIAL CORP . ( Exact name of registrant as specified in its charter ) OHIO ( State or other jurisdiction of incorporation or organization ) 601 Clinton Street , Defiance , Ohio ( Address of principal executive offices ) Registrant's telephone number , including area code : ( 419 ) 782-5015 Securities registered pursuant to Section 12 ( b ) of the Act : Common Stock , Par Value $ 0.01 Per Share ( Title of Class ) 34-1803915 ( I.R.S. Employer Identification Number ) 43512 ( Zip code ) PFC ( Trading Symbol ) Securities registered pursuant to Section 12 ( g ) of the Act : None ( Title of Class ) The NASDAQ Stock Market ( Name of each exchange on which registered ) Indicate by check mark if the registrant is a well - known seasoned issuer , as defined in Rule 405 of the Securities Act . Yes No Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15 ( d ) of the Exchange Act . Yes No Indicate by check mark whether the registrant ( 1 ) has filed all reports required to be filed by Section 13 or 15 ( d ) of the Securities Exchange Act of 1934 during the preceding 12 months ( or for such shorter period that the registrant was required to file such reports ) , and ( 2 ) has been subject to such filing requirements for the past 90 days . Yes > No Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S - T ( §232.405 of this chapter ) during the preceding 12 months ( or for such shorter period that the registrant was required to submit such files ) . Yes + No Indicate by check mark whether the registrant is a large accelerated filer , an accelerated filer , a non - accelerated filer , a smaller reporting company , or an emerging growth company . See the definitions of " large accelerated filer , " " accelerated filer , " " smaller reporting company , ” and “ emerging growth company " in Rule 12b - 2 of the Exchange Act . Large accelerated filer Accelerated filer Non accelerated filer Smaller reporting company ■ Emerging growth company If an emerging growth company , indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13 ( a ) of the Exchange Act . □ Indicate by check mark whether the registrant has filed a report on and attestation to its management's assessment of the effectiveness of its internal control over financial reporting under section 404 ( b ) of the Sarbanes - Oxley Act ( 15 U.S.C. 7262 ( b ) ) by the registered public accounting firm that prepared or issued its audit report . □ Indicate by check mark whether the registrant is a shell company ( as defined in Rule 12b - 2 of the Exchange Act ) . Yes No The aggregate market value of the voting stock held by non - affiliates of the registrant computed by reference to the closing price of such stock as of June 30 , 2020 , was approximately $ 648.8 million . As of March 4 , 2021 , there were issued and outstanding 37,273,303 shares of the registrant's common stock . Documents Incorporated by Reference Part III of this Form 10 - K incorporates by reference certain information from the registrant's definitive Proxy Statement for the 2021 Annual Meeting of the registrant's shareholders .