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Peoples Financial Services (PFIS) Financials

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$42.85 -0.90 (-2.06%)
Closing price 04/25/2025 04:00 PM Eastern
Extended Trading
$42.82 -0.04 (-0.08%)
As of 04/25/2025 04:05 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Polygon.io. Learn more.
Annual Income Statements for Peoples Financial Services

Annual Income Statements for Peoples Financial Services

This table shows Peoples Financial Services' income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2022 2023 2024
Net Income / (Loss) Attributable to Common Shareholders
38 27 8.50
Consolidated Net Income / (Loss)
38 27 8.50
Net Income / (Loss) Continuing Operations
38 27 8.50
Total Pre-Tax Income
45 33 8.47
Total Revenue
108 101 134
Net Interest Income / (Expense)
96 87 116
Total Interest Income
111 150 211
Loans and Leases Interest Income
101 135 192
Investment Securities Interest Income
10 9.50 15
Deposits and Money Market Investments Interest Income
0.10 0.34 0.50
Federal Funds Sold and Securities Borrowed Interest Income
0.34 5.38 4.13
Total Interest Expense
16 63 95
Deposits Interest Expense
13 59 88
Short-Term Borrowings Interest Expense
1.10 1.92 2.03
Long-Term Debt Interest Expense
1.85 2.62 5.51
Total Non-Interest Income
12 14 18
Other Service Charges
12 13 16
Net Realized & Unrealized Capital Gains on Investments
-1.39 0.46 0.42
Other Non-Interest Income
1.02 1.07 1.57
Provision for Credit Losses
-0.45 0.57 19
Total Non-Interest Expense
63 68 107
Salaries and Employee Benefits
34 35 46
Net Occupancy & Equipment Expense
17 17 22
Property & Liability Insurance Claims
1.30 2.13 3.16
Other Operating Expenses
11 11 16
Amortization Expense
0.36 0.11 3.37
Restructuring Charge
0.00 1.82 16
Income Tax Expense
7.28 5.12 -0.03
Basic Earnings per Share
$5.31 $3.85 $1.00
Weighted Average Basic Shares Outstanding
7.17M 7.11M 8.53M
Diluted Earnings per Share
$5.28 $3.83 $0.99
Weighted Average Diluted Shares Outstanding
7.21M 7.15M 8.59M
Weighted Average Basic & Diluted Shares Outstanding
7.16M 7.06M 9.99M
Cash Dividends to Common per Share
$1.58 $1.64 $2.06

Quarterly Income Statements for Peoples Financial Services

This table shows Peoples Financial Services' income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Net Income / (Loss) Attributable to Common Shareholders
9.97 9.14 7.58 9.43 6.75 3.63 3.47 3.28 -4.34 6.09
Consolidated Net Income / (Loss)
9.97 9.14 7.58 9.43 6.75 3.63 3.47 3.28 -4.34 6.09
Net Income / (Loss) Continuing Operations
9.97 9.14 7.58 9.43 6.75 3.63 3.47 3.28 -4.34 6.09
Total Pre-Tax Income
12 11 8.97 11 8.08 4.22 3.94 3.70 -4.99 5.82
Total Revenue
28 26 27 26 25 24 23 22 45 44
Net Interest Income / (Expense)
25 24 23 22 21 20 19 19 39 39
Total Interest Income
29 32 34 37 39 40 39 38 68 66
Loans and Leases Interest Income
26 29 31 34 35 35 35 36 62 59
Investment Securities Interest Income
2.62 2.58 2.58 2.31 2.30 2.31 2.29 2.28 5.21 4.80
Deposits and Money Market Investments Interest Income
0.04 0.04 0.01 0.09 0.09 0.15 0.12 0.12 0.15 0.11
Federal Funds Sold and Securities Borrowed Interest Income
0.11 0.14 0.24 0.80 1.87 2.46 1.13 0.18 1.22 1.61
Total Interest Expense
4.23 7.23 11 15 17 20 20 19 29 27
Deposits Interest Expense
3.32 6.25 9.68 14 16 19 19 18 26 25
Short-Term Borrowings Interest Expense
0.46 0.52 1.09 0.21 0.29 0.33 0.26 0.63 0.55 0.59
Long-Term Debt Interest Expense
0.46 0.45 0.47 0.71 0.72 0.72 0.71 0.71 2.09 1.99
Total Non-Interest Income
3.32 1.23 3.67 3.55 3.69 3.22 3.40 3.54 5.72 5.67
Other Service Charges
2.94 3.04 0.10 3.26 3.16 6.09 0.09 0.09 5.05 11
Net Realized & Unrealized Capital Gains on Investments
0.11 -2.11 0.28 0.04 0.27 -0.12 -0.03 0.09 0.12 0.24
Other Non-Interest Income
0.27 0.29 3.30 0.26 0.27 -2.76 3.34 3.36 0.55 -5.69
Provision for Credit Losses
0.45 -2.15 1.26 -2.20 -0.17 1.67 0.71 0.60 14 3.37
Total Non-Interest Expense
16 17 16 17 17 18 18 18 36 35
Salaries and Employee Benefits
8.47 9.19 9.08 8.48 8.78 8.94 8.84 8.45 13 15
Net Occupancy & Equipment Expense
4.03 4.65 4.10 4.28 4.30 4.47 4.73 4.58 6.44 6.56
Property & Liability Insurance Claims
0.32 0.33 0.50 0.56 0.51 0.57 0.59 0.50 0.81 1.25
Other Operating Expenses
3.02 2.72 2.77 3.15 2.57 2.85 3.42 3.40 3.77 5.37
Amortization Expense
0.10 0.07 0.03 0.03 0.03 0.02 0.00 0.00 1.67 1.70
Restructuring Charge
0.00 - 0.00 0.12 0.87 0.83 0.49 1.07 9.65 4.99
Income Tax Expense
1.96 1.69 1.39 1.81 1.34 0.59 0.48 0.42 -0.66 -0.27
Basic Earnings per Share
$1.39 $1.28 $1.06 $1.32 $0.95 $0.52 $0.49 $0.47 ($0.43) $0.47
Weighted Average Basic Shares Outstanding
7.17M 7.17M 7.16M 7.15M 7.09M 7.11M 7.05M 7.06M 9.99M 8.53M
Diluted Earnings per Share
$1.38 $1.27 $1.05 $1.31 $0.95 $0.52 $0.49 $0.46 ($0.43) $0.47
Weighted Average Diluted Shares Outstanding
7.21M 7.21M 7.20M 7.18M 7.12M 7.15M 7.10M 7.11M 10.04M 8.59M
Weighted Average Basic & Diluted Shares Outstanding
7.16M 7.16M 7.15M 7.09M 7.04M 7.06M 7.06M 9.98M 9.99M 9.99M
Cash Dividends to Common per Share
$0.40 $0.40 $0.41 $0.41 $0.41 $0.41 $0.41 $0.41 $0.62 $0.62

Annual Cash Flow Statements for Peoples Financial Services

This table details how cash moves in and out of Peoples Financial Services' business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2022 2023 2024
Net Change in Cash & Equivalents
-242 149 -52
Net Cash From Operating Activities
42 33 34
Net Cash From Continuing Operating Activities
42 33 34
Net Income / (Loss) Continuing Operations
38 27 8.50
Consolidated Net Income / (Loss)
38 27 8.50
Provision For Loan Losses
-0.45 0.57 19
Depreciation Expense
3.09 2.79 3.35
Amortization Expense
2.78 2.83 4.00
Non-Cash Adjustments to Reconcile Net Income
2.92 0.75 -13
Changes in Operating Assets and Liabilities, net
-4.44 -1.08 12
Net Cash From Investing Activities
-468 -26 387
Net Cash From Continuing Investing Activities
-468 -26 387
Purchase of Property, Leasehold Improvements and Equipment
-7.83 -5.93 -2.58
Purchase of Investment Securities
-547 0.00 -4.84
Sale of Property, Leasehold Improvements and Equipment
0.17 0.01 1.81
Divestitures
0.00 0.00 28
Sale and/or Maturity of Investments
44 103 303
Other Investing Activities, net
44 -123 62
Net Cash From Financing Activities
183 142 -473
Net Cash From Continuing Financing Activities
183 142 -473
Net Change in Deposits
83 232 -300
Issuance of Debt
0.00 25 0.00
Repayment of Debt
113 -98 -155
Repurchase of Common Equity
-1.25 -5.89 0.00
Payment of Dividends
-11 -12 -18
Cash Interest Paid
15 58 96
Cash Income Taxes Paid
10 3.46 1.85

Quarterly Cash Flow Statements for Peoples Financial Services

This table details how cash moves in and out of Peoples Financial Services' business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Net Change in Cash & Equivalents
65 -75 103 -3.90 118 -67 -77 -60 236 -150
Net Cash From Operating Activities
11 12 4.55 13 6.75 8.95 3.23 1.74 26 3.32
Net Cash From Continuing Operating Activities
11 12 4.55 13 6.75 8.95 3.23 1.74 26 3.32
Net Income / (Loss) Continuing Operations
9.97 9.14 7.58 9.43 6.75 3.63 3.47 3.28 -4.34 6.09
Consolidated Net Income / (Loss)
9.97 9.14 7.58 9.43 6.75 3.63 3.47 3.28 -4.34 6.09
Provision For Loan Losses
0.45 -2.15 1.26 -2.20 -0.17 1.67 0.71 0.60 14 3.37
Depreciation Expense
1.06 1.04 0.70 0.70 0.65 0.74 0.75 0.73 0.90 0.97
Amortization Expense
0.26 0.03 0.47 0.50 1.15 0.72 0.38 0.42 1.12 2.08
Non-Cash Adjustments to Reconcile Net Income
0.81 3.23 0.31 0.55 -0.12 0.01 -0.16 0.31 -2.69 -10
Changes in Operating Assets and Liabilities, net
-1.05 0.48 -5.78 4.04 -1.51 2.18 -1.92 -3.60 16 0.89
Net Cash From Investing Activities
-41 -106 -14 -8.67 -25 22 -5.30 -3.87 277 120
Net Cash From Continuing Investing Activities
-41 -106 -14 -8.67 -25 22 -5.30 -3.87 277 120
Purchase of Property, Leasehold Improvements and Equipment
-2.51 -2.45 -2.51 -1.97 -1.22 -0.23 -0.22 -0.40 -4.31 2.35
Purchase of Investment Securities
-297 -150 -88 -20 108 - -8.69 -14 -7.12 25
Sale of Property, Leasehold Improvements and Equipment
- 0.17 0.01 - - - 0.00 0.04 0.11 1.65
Divestitures
- - - - - - - - - -0.74
Sale and/or Maturity of Investments
21 2.03 8.98 14 76 4.44 3.60 10 18 270
Other Investing Activities, net
238 44 67 0.00 -209 18 0.00 - 241 -179
Net Cash From Financing Activities
95 19 112 -8.24 136 -98 -75 -58 -67 -272
Net Cash From Continuing Financing Activities
95 19 112 -8.24 136 -98 -75 -58 -67 -272
Net Change in Deposits
213 -78 189 -6.49 136 -86 -75 -139 146 -232
Issuance of Debt
15 -15 -73 2.25 - - 0.00 87 -207 120
Payment of Dividends
-2.87 -2.86 -2.94 -2.93 -2.91 -2.89 -2.89 -2.89 -6.15 -6.15
Cash Interest Paid
4.37 7.45 9.83 12 17 19 20 19 28 29
Cash Income Taxes Paid
2.11 2.61 0.05 1.68 1.35 0.39 0.02 0.48 0.65 0.70

Annual Balance Sheets for Peoples Financial Services

This table presents Peoples Financial Services' assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2022 2023 2024
Total Assets
3,554 3,742 5,092
Cash and Due from Banks
38 34 47
Federal Funds Sold
0.00 145 80
Interest Bearing Deposits at Other Banks
0.19 9.14 8.59
Trading Account Securities
569 0.35 2.43
Loans and Leases, Net of Allowance
2,703 3,227 3,952
Loans and Leases
2,730 3,249 3,994
Allowance for Loan and Lease Losses
27 22 42
Premises and Equipment, Net
56 61 73
Goodwill
63 63 76
Intangible Assets
0.11 0.00 34
Other Assets
125 203 818
Total Liabilities & Shareholders' Equity
3,554 3,742 5,092
Total Liabilities
3,238 3,402 4,623
Non-Interest Bearing Deposits
773 645 936
Interest Bearing Deposits
2,274 2,634 3,472
Short-Term Debt
115 18 16
Accrued Interest Payable
0.90 5.77 5.50
Long-Term Debt
34 58 140
Other Long-Term Liabilities
42 41 54
Total Equity & Noncontrolling Interests
315 340 469
Total Preferred & Common Equity
315 340 469
Total Common Equity
315 340 469
Common Stock
141 136 271
Retained Earnings
231 249 239
Accumulated Other Comprehensive Income / (Loss)
-56 -44 -41

Quarterly Balance Sheets for Peoples Financial Services

This table presents Peoples Financial Services' assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024
Total Assets
3,517 3,678 3,682 3,826 3,669 3,616 5,360
Cash and Due from Banks
35 31 38 39 32 41 97
Federal Funds Sold
70 102 93 206 70 0.00 178
Interest Bearing Deposits at Other Banks
8.41 7.13 5.81 9.55 8.26 8.72 10
Trading Account Securities
570 508 484 469 0.39 0.08 4.72
Loans and Leases, Net of Allowance
2,594 5,611 2,820 2,848 3,230 3,232 4,030
Loans and Leases
2,624 5,636 2,843 2,871 3,253 3,255 4,070
Allowance for Loan and Lease Losses
30 25 23 23 23 23 39
Premises and Equipment, Net
54 57 58 62 59 59 76
Goodwill
63 63 63 63 63 63 77
Intangible Assets
0.18 0.08 0.05 0.02 - - 36
Other Assets
121 2,910 120 129 206 212 851
Total Liabilities & Shareholders' Equity
3,517 3,678 3,682 3,826 3,669 3,616 5,360
Total Liabilities
3,215 3,350 3,350 3,501 3,329 3,275 4,885
Non-Interest Bearing Deposits
770 746 713 691 623 621 718
Interest Bearing Deposits
2,354 2,490 2,516 2,674 2,581 2,444 3,920
Short-Term Debt
15 17 20 27 20 104 37
Accrued Interest Payable
1.13 2.30 4.70 4.78 5.33 5.51 6.83
Long-Term Debt
34 58 58 58 58 58 153
Other Long-Term Liabilities
41 36 38 47 42 43 51
Total Equity & Noncontrolling Interests
302 329 332 324 340 341 475
Total Preferred & Common Equity
302 329 332 324 340 341 475
Total Common Equity
302 329 332 324 340 341 475
Common Stock
141 141 140 136 136 137 271
Retained Earnings
224 238 244 248 249 250 239
Accumulated Other Comprehensive Income / (Loss)
-64 -49 -52 -59 -45 -45 -35

Annual Metrics and Ratios for Peoples Financial Services

This table displays calculated financial ratios and metrics derived from Peoples Financial Services' official financial filings.

Metric 2022 2023 2024
Growth Metrics
- - -
Revenue Growth
-2.43% -6.23% 33.14%
EBITDA Growth
-12.29% -25.58% -58.53%
EBIT Growth
-15.23% -28.36% -73.95%
NOPAT Growth
-12.48% -28.12% -68.96%
Net Income Growth
-12.48% -28.12% -68.96%
EPS Growth
-12.29% -27.46% -74.15%
Operating Cash Flow Growth
3.89% -21.50% 2.02%
Free Cash Flow Firm Growth
-160.62% 250.68% -365.97%
Invested Capital Growth
23.41% -10.31% 50.12%
Revenue Q/Q Growth
-9.46% -2.03% 18.15%
EBITDA Q/Q Growth
-21.67% -16.66% 25.28%
EBIT Q/Q Growth
-17.36% -16.90% 23.26%
NOPAT Q/Q Growth
-16.04% -16.75% 40.67%
Net Income Q/Q Growth
-16.04% -16.75% 40.67%
EPS Q/Q Growth
-15.92% -16.38% -4.81%
Operating Cash Flow Q/Q Growth
-6.60% -8.75% -14.22%
Free Cash Flow Firm Q/Q Growth
-185.00% 390.28% 19.82%
Invested Capital Q/Q Growth
32.29% 1.61% -6.07%
Profitability Metrics
- - -
EBITDA Margin
47.62% 37.79% 11.77%
EBIT Margin
42.16% 32.22% 6.30%
Profit (Net Income) Margin
35.40% 27.14% 6.33%
Tax Burden Percent
83.96% 84.24% 100.35%
Interest Burden Percent
100.00% 100.00% 100.00%
Effective Tax Rate
16.04% 15.76% -0.35%
Return on Invested Capital (ROIC)
9.07% 6.22% 1.63%
ROIC Less NNEP Spread (ROIC-NNEP)
9.07% 6.22% 1.63%
Return on Net Nonoperating Assets (RNNOA)
2.55% 2.13% 0.47%
Return on Equity (ROE)
11.62% 8.35% 2.10%
Cash Return on Invested Capital (CROIC)
-11.89% 17.09% -38.44%
Operating Return on Assets (OROA)
1.31% 0.89% 0.19%
Return on Assets (ROA)
1.10% 0.75% 0.19%
Return on Common Equity (ROCE)
11.62% 8.35% 2.10%
Return on Equity Simple (ROE_SIMPLE)
12.08% 8.04% 1.81%
Net Operating Profit after Tax (NOPAT)
38 27 8.50
NOPAT Margin
35.40% 27.14% 6.33%
Net Nonoperating Expense Percent (NNEP)
0.00% 0.00% 0.00%
SG&A Expenses to Revenue
46.59% 51.97% 50.65%
Operating Expenses to Revenue
58.25% 67.22% 79.45%
Earnings before Interest and Taxes (EBIT)
45 33 8.47
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)
51 38 16
Valuation Ratios
- - -
Price to Book Value (P/BV)
1.07 0.95 1.08
Price to Tangible Book Value (P/TBV)
1.34 1.17 1.41
Price to Revenue (P/Rev)
3.14 3.21 3.76
Price to Earnings (P/E)
8.87 11.83 59.43
Dividend Yield
3.35% 3.57% 4.07%
Earnings Yield
11.28% 8.46% 1.68%
Enterprise Value to Invested Capital (EV/IC)
0.97 0.51 0.84
Enterprise Value to Revenue (EV/Rev)
4.17 2.10 3.91
Enterprise Value to EBITDA (EV/EBITDA)
8.75 5.56 33.19
Enterprise Value to EBIT (EV/EBIT)
9.88 6.52 61.97
Enterprise Value to NOPAT (EV/NOPAT)
11.77 7.74 61.75
Enterprise Value to Operating Cash Flow (EV/OCF)
10.59 6.38 15.47
Enterprise Value to Free Cash Flow (EV/FCFF)
0.00 2.82 0.00
Leverage & Solvency
- - -
Debt to Equity
0.47 0.22 0.33
Long-Term Debt to Equity
0.11 0.17 0.30
Financial Leverage
0.28 0.34 0.29
Leverage Ratio
10.56 11.13 10.91
Compound Leverage Factor
10.56 11.13 10.91
Debt to Total Capital
32.01% 18.17% 24.91%
Short-Term Debt to Total Capital
24.78% 4.23% 2.55%
Long-Term Debt to Total Capital
7.23% 13.94% 22.37%
Preferred Equity to Total Capital
0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital
0.00% 0.00% 0.00%
Common Equity to Total Capital
67.99% 81.83% 75.09%
Debt to EBITDA
2.90 1.98 9.84
Net Debt to EBITDA
2.16 -2.93 1.25
Long-Term Debt to EBITDA
0.65 1.52 8.83
Debt to NOPAT
3.90 2.76 18.31
Net Debt to NOPAT
2.90 -4.08 2.32
Long-Term Debt to NOPAT
0.88 2.12 16.44
Noncontrolling Interest Sharing Ratio
0.00% 0.00% 0.00%
Liquidity Ratios
- - -
Cash Flow Metrics
- - -
Free Cash Flow to Firm (FCFF)
-50 75 -200
Operating Cash Flow to CapEx
552.89% 562.54% 4,417.06%
Free Cash Flow to Firm to Interest Expense
-3.20 1.19 -2.10
Operating Cash Flow to Interest Expense
2.72 0.53 0.36
Operating Cash Flow Less CapEx to Interest Expense
2.23 0.43 0.35
Efficiency Ratios
- - -
Asset Turnover
0.03 0.03 0.03
Fixed Asset Turnover
2.01 1.73 2.00
Capital & Investment Metrics
- - -
Invested Capital
464 416 625
Invested Capital Turnover
0.26 0.23 0.26
Increase / (Decrease) in Invested Capital
88 -48 209
Enterprise Value (EV)
448 212 525
Market Capitalization
338 324 505
Book Value per Share
$44.04 $48.35 $46.92
Tangible Book Value per Share
$35.18 $39.35 $35.90
Total Capital
464 416 625
Total Debt
148 76 156
Total Long-Term Debt
34 58 140
Net Debt
111 -112 20
Capital Expenditures (CapEx)
7.66 5.91 0.77
Net Nonoperating Expense (NNE)
0.00 0.00 0.00
Net Nonoperating Obligations (NNO)
148 76 156
Total Depreciation and Amortization (D&A)
5.87 5.63 7.34
Earnings Adjustments
- - -
Adjusted Basic Earnings per Share
$5.31 $3.85 $1.00
Adjusted Weighted Average Basic Shares Outstanding
7.17M 7.11M 8.53M
Adjusted Diluted Earnings per Share
$5.28 $3.83 $0.99
Adjusted Weighted Average Diluted Shares Outstanding
7.21M 7.15M 8.59M
Adjusted Basic & Diluted Earnings per Share
$0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding
7.16M 7.06M 9.99M
Normalized Net Operating Profit after Tax (NOPAT)
38 29 17
Normalized NOPAT Margin
35.40% 28.66% 12.86%
Pre Tax Income Margin
42.16% 32.22% 6.30%
Debt Service Ratios
- - -
EBIT to Interest Expense
2.91 0.52 0.09
NOPAT to Interest Expense
2.44 0.43 0.09
EBIT Less CapEx to Interest Expense
2.42 0.42 0.08
NOPAT Less CapEx to Interest Expense
1.95 0.34 0.08
Payout Ratios
- - -
Dividend Payout Ratio
29.73% 42.58% 212.91%
Augmented Payout Ratio
33.02% 64.08% 212.91%

Quarterly Metrics and Ratios for Peoples Financial Services

This table displays calculated financial ratios and metrics derived from Peoples Financial Services' official financial filings.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Growth Metrics
- - - - - - - - - -
Revenue Growth
11.33% -30.47% 2.56% -7.03% -11.82% -8.14% -14.96% -12.44% 80.09% 87.59%
EBITDA Growth
25.83% -54.37% -25.45% -0.45% -25.43% -52.29% -49.95% -61.02% -130.16% 56.20%
EBIT Growth
9.58% -46.80% -21.77% 0.81% -32.26% -61.05% -56.02% -67.04% -161.80% 37.89%
NOPAT Growth
9.59% -44.32% -21.30% 0.77% -32.32% -60.28% -54.27% -65.18% -151.82% 67.69%
Net Income Growth
9.59% -44.32% -21.30% 0.77% -32.32% -60.28% -54.27% -65.18% -164.29% 67.69%
EPS Growth
9.52% -44.05% -21.05% 0.77% -31.16% -59.06% -53.33% -64.89% -145.26% -9.62%
Operating Cash Flow Growth
-9.14% -19.80% -50.21% 35.52% -41.28% -26.27% -29.08% -86.64% 280.09% -62.87%
Free Cash Flow Firm Growth
-62.40% -242.80% -157.67% 172.41% -323.19% 165.25% 73.28% -219.30% -397.57% -493.42%
Invested Capital Growth
-3.67% 23.41% 13.57% -13.96% 16.77% -10.31% 3.55% 22.90% 62.40% 50.12%
Revenue Q/Q Growth
2.64% -9.45% 4.21% -4.00% -2.65% -5.68% -3.53% -1.16% 100.23% -1.74%
EBITDA Q/Q Growth
6.02% -10.16% -23.75% 22.64% -20.59% -42.53% -21.20% -4.47% -161.45% 397.62%
EBIT Q/Q Growth
7.04% -9.24% -17.18% 25.28% -28.07% -47.82% -6.47% -6.11% -234.86% 216.44%
NOPAT Q/Q Growth
6.58% -8.32% -17.07% 24.36% -28.42% -46.19% -4.52% -5.31% -206.51% 274.12%
Net Income Q/Q Growth
6.58% -8.32% -17.07% 24.36% -28.42% -46.19% -4.52% -5.31% -232.15% 240.35%
EPS Q/Q Growth
6.15% -7.97% -17.32% 24.76% -27.48% -45.26% -5.77% -6.12% -193.48% 209.30%
Operating Cash Flow Q/Q Growth
19.63% 5.62% -62.50% 186.06% -48.17% 32.62% -63.94% -46.09% 1,374.24% -87.05%
Free Cash Flow Firm Q/Q Growth
122.27% -438.15% 48.40% 286.33% -168.65% 198.85% -121.13% -732.03% -186.31% 21.84%
Invested Capital Q/Q Growth
-26.30% 32.29% -12.92% 1.34% 0.02% 1.61% 0.54% 20.28% 32.17% -6.07%
Profitability Metrics
- - - - - - - - - -
EBITDA Margin
46.77% 46.41% 37.95% 48.49% 39.55% 24.10% 22.34% 21.59% -6.63% 20.07%
EBIT Margin
42.13% 42.23% 33.57% 43.80% 32.36% 17.91% 17.36% 16.49% -11.11% 13.16%
Profit (Net Income) Margin
35.20% 35.64% 28.37% 36.75% 27.02% 15.41% 15.26% 14.61% -9.65% 13.78%
Tax Burden Percent
83.55% 84.40% 84.51% 83.89% 83.48% 86.08% 87.88% 88.63% 86.84% 104.68%
Interest Burden Percent
100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate
16.45% 15.60% 15.49% 16.11% 16.52% 13.92% 12.12% 11.37% 0.00% -4.68%
Return on Invested Capital (ROIC)
11.71% 9.13% 8.09% 8.83% 7.32% 3.53% 3.60% 3.00% -1.65% 3.56%
ROIC Less NNEP Spread (ROIC-NNEP)
11.71% 9.13% 8.09% 8.83% 7.32% 3.53% 3.60% 3.00% -2.26% 3.56%
Return on Net Nonoperating Assets (RNNOA)
1.58% 2.57% 1.38% 3.31% 1.56% 1.21% 0.83% 1.07% -0.78% 1.02%
Return on Equity (ROE)
13.29% 11.70% 9.46% 12.14% 8.89% 4.74% 4.42% 4.07% -2.42% 4.57%
Cash Return on Invested Capital (CROIC)
16.43% -11.89% -3.22% 23.16% -6.82% 17.09% 2.17% -16.79% -46.44% -38.44%
Operating Return on Assets (OROA)
1.48% 1.31% 1.03% 1.31% 0.91% 0.50% 0.46% 0.42% -0.27% 0.40%
Return on Assets (ROA)
1.24% 1.11% 0.87% 1.10% 0.76% 0.43% 0.40% 0.38% -0.24% 0.42%
Return on Common Equity (ROCE)
13.29% 11.70% 9.46% 12.14% 8.89% 4.74% 4.42% 4.07% -2.42% 4.57%
Return on Equity Simple (ROE_SIMPLE)
15.03% 0.00% 10.97% 10.88% 10.14% 0.00% 6.84% 5.02% 1.27% 0.00%
Net Operating Profit after Tax (NOPAT)
9.97 9.14 7.58 9.43 6.75 3.63 3.47 3.28 -3.50 6.09
NOPAT Margin
35.20% 35.64% 28.37% 36.75% 27.02% 15.41% 15.26% 14.61% -7.77% 13.78%
Net Nonoperating Expense Percent (NNEP)
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.61% 0.00%
SG&A Expenses to Revenue
44.14% 53.95% 49.34% 49.75% 52.39% 56.93% 59.70% 58.00% 43.60% 49.45%
Operating Expenses to Revenue
56.28% 66.15% 61.70% 64.78% 68.30% 75.01% 79.52% 80.86% 78.95% 79.21%
Earnings before Interest and Taxes (EBIT)
12 11 8.97 11 8.08 4.22 3.94 3.70 -4.99 5.82
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)
13 12 10 12 9.88 5.68 5.08 4.85 -2.98 8.87
Valuation Ratios
- - - - - - - - - -
Price to Book Value (P/BV)
1.04 1.07 0.90 0.91 0.84 0.95 0.89 0.94 0.98 1.08
Price to Tangible Book Value (P/TBV)
1.32 1.34 1.11 1.12 1.04 1.17 1.09 1.16 1.29 1.41
Price to Revenue (P/Rev)
2.65 3.14 2.73 2.83 2.65 3.21 3.11 3.43 4.11 3.76
Price to Earnings (P/E)
6.94 8.87 8.20 8.34 8.28 11.83 12.94 18.77 77.42 59.43
Dividend Yield
3.55% 3.35% 3.88% 3.85% 4.25% 3.57% 3.84% 3.60% 3.94% 4.07%
Earnings Yield
14.41% 11.28% 12.20% 11.99% 12.08% 8.46% 7.73% 5.33% 1.29% 1.68%
Enterprise Value to Invested Capital (EV/IC)
0.71 0.97 0.57 0.59 0.25 0.51 0.64 0.86 0.56 0.84
Enterprise Value to Revenue (EV/Rev)
2.11 4.17 2.13 2.28 1.00 2.10 2.78 4.63 3.27 3.91
Enterprise Value to EBITDA (EV/EBITDA)
3.83 8.75 4.68 4.92 2.25 5.56 8.15 17.02 29.48 33.19
Enterprise Value to EBIT (EV/EBIT)
4.56 9.88 5.37 5.63 2.63 6.52 9.81 21.74 54.16 61.97
Enterprise Value to NOPAT (EV/NOPAT)
5.52 11.77 6.39 6.70 3.13 7.74 11.58 25.33 61.59 61.75
Enterprise Value to Operating Cash Flow (EV/OCF)
5.52 10.59 6.09 5.87 2.82 6.38 8.44 21.00 9.41 15.47
Enterprise Value to Free Cash Flow (EV/FCFF)
4.27 0.00 0.00 2.36 0.00 2.82 30.17 0.00 0.00 0.00
Leverage & Solvency
- - - - - - - - - -
Debt to Equity
0.16 0.47 0.23 0.23 0.26 0.22 0.23 0.48 0.40 0.33
Long-Term Debt to Equity
0.11 0.11 0.18 0.17 0.18 0.17 0.17 0.17 0.32 0.30
Financial Leverage
0.14 0.28 0.17 0.37 0.21 0.34 0.23 0.36 0.34 0.29
Leverage Ratio
10.72 10.56 10.83 11.04 11.73 11.13 10.99 10.85 11.49 10.91
Compound Leverage Factor
10.72 10.56 10.83 11.04 11.73 11.13 10.99 10.85 11.49 10.91
Debt to Total Capital
13.92% 32.01% 18.64% 18.94% 20.77% 18.17% 18.71% 32.25% 28.55% 24.91%
Short-Term Debt to Total Capital
4.19% 24.78% 4.28% 4.77% 6.60% 4.23% 4.84% 20.72% 5.62% 2.55%
Long-Term Debt to Total Capital
9.73% 7.23% 14.36% 14.17% 14.17% 13.94% 13.87% 11.53% 22.94% 22.37%
Preferred Equity to Total Capital
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital
86.08% 67.99% 81.36% 81.06% 79.23% 81.83% 81.29% 67.75% 71.45% 75.09%
Debt to EBITDA
0.75 2.90 1.53 1.58 1.86 1.98 2.37 6.37 15.04 9.84
Net Debt to EBITDA
-0.98 2.16 -1.33 -1.20 -3.71 -2.93 -0.96 4.41 -7.58 1.25
Long-Term Debt to EBITDA
0.52 0.65 1.18 1.18 1.27 1.52 1.75 2.28 12.08 8.83
Debt to NOPAT
1.08 3.90 2.09 2.15 2.59 2.76 3.36 9.48 31.43 18.31
Net Debt to NOPAT
-1.42 2.90 -1.81 -1.64 -5.15 -4.08 -1.36 6.56 -15.83 2.32
Long-Term Debt to NOPAT
0.75 0.88 1.61 1.61 1.76 2.12 2.49 3.39 25.24 16.44
Noncontrolling Interest Sharing Ratio
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios
- - - - - - - - - -
Cash Flow Metrics
- - - - - - - - - -
Free Cash Flow to Firm (FCFF)
23 -79 -41 76 -52 51 -11 -90 -259 -202
Operating Cash Flow to CapEx
458.38% 533.27% 182.54% 660.56% 552.42% 3,923.25% 1,493.52% 491.24% 609.97% 0.00%
Free Cash Flow to Firm to Interest Expense
5.51 -10.91 -3.62 5.18 -2.98 2.61 -0.55 -4.65 -8.92 -7.42
Operating Cash Flow to Interest Expense
2.71 1.68 0.40 0.89 0.39 0.45 0.16 0.09 0.88 0.12
Operating Cash Flow Less CapEx to Interest Expense
2.12 1.36 0.18 0.75 0.32 0.44 0.15 0.07 0.74 0.27
Efficiency Ratios
- - - - - - - - - -
Asset Turnover
0.04 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.02 0.03
Fixed Asset Turnover
2.26 2.01 1.99 1.92 1.77 1.73 1.68 1.61 1.65 2.00
Capital & Investment Metrics
- - - - - - - - - -
Invested Capital
351 464 404 409 409 416 418 503 665 625
Invested Capital Turnover
0.33 0.26 0.29 0.24 0.27 0.23 0.24 0.21 0.21 0.26
Increase / (Decrease) in Invested Capital
-13 88 48 -66 59 -48 14 94 255 209
Enterprise Value (EV)
251 448 230 242 103 212 269 434 372 525
Market Capitalization
315 338 295 301 272 324 301 321 468 505
Book Value per Share
$42.09 $44.04 $45.90 $46.40 $45.73 $48.35 $48.17 $48.29 $47.62 $46.92
Tangible Book Value per Share
$33.23 $35.18 $37.03 $37.53 $36.80 $39.35 $39.19 $39.31 $36.31 $35.90
Total Capital
351 464 404 409 409 416 418 503 665 625
Total Debt
49 148 75 78 85 76 78 162 190 156
Total Long-Term Debt
34 34 58 58 58 58 58 58 153 140
Net Debt
-64 111 -65 -59 -170 -112 -32 112 -96 20
Capital Expenditures (CapEx)
2.51 2.28 2.49 1.97 1.22 0.23 0.22 0.35 4.20 -4.01
Net Nonoperating Expense (NNE)
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.84 0.00
Net Nonoperating Obligations (NNO)
49 148 75 78 85 76 78 162 190 156
Total Depreciation and Amortization (D&A)
1.31 1.07 1.17 1.20 1.80 1.46 1.13 1.15 2.02 3.05
Earnings Adjustments
- - - - - - - - - -
Adjusted Basic Earnings per Share
$1.39 $1.28 $1.06 $1.32 $0.95 $0.52 $0.49 $0.47 ($0.43) $0.47
Adjusted Weighted Average Basic Shares Outstanding
7.17M 7.17M 7.16M 7.15M 7.09M 7.11M 7.05M 7.06M 9.99M 8.53M
Adjusted Diluted Earnings per Share
$1.38 $1.27 $1.05 $1.31 $0.95 $0.52 $0.49 $0.46 ($0.43) $0.47
Adjusted Weighted Average Diluted Shares Outstanding
7.21M 7.21M 7.20M 7.18M 7.12M 7.15M 7.10M 7.11M 10.04M 8.59M
Adjusted Basic & Diluted Earnings per Share
$0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding
7.16M 7.16M 7.15M 7.09M 7.04M 7.06M 7.06M 9.98M 9.99M 9.99M
Normalized Net Operating Profit after Tax (NOPAT)
9.97 9.14 7.58 9.53 7.47 4.34 3.89 4.23 3.26 7.56
Normalized NOPAT Margin
35.20% 35.64% 28.37% 37.14% 29.92% 18.43% 17.14% 18.84% 7.25% 17.12%
Pre Tax Income Margin
42.13% 42.23% 33.57% 43.80% 32.36% 17.91% 17.36% 16.49% -11.11% 13.16%
Debt Service Ratios
- - - - - - - - - -
EBIT to Interest Expense
2.82 1.50 0.80 0.77 0.46 0.21 0.20 0.19 -0.17 0.21
NOPAT to Interest Expense
2.36 1.26 0.67 0.64 0.39 0.18 0.18 0.17 -0.12 0.22
EBIT Less CapEx to Interest Expense
2.23 1.18 0.58 0.63 0.39 0.20 0.19 0.17 -0.32 0.36
NOPAT Less CapEx to Interest Expense
1.76 0.95 0.45 0.51 0.32 0.17 0.17 0.15 -0.27 0.37
Payout Ratios
- - - - - - - - - -
Dividend Payout Ratio
24.66% 29.73% 31.81% 32.11% 35.37% 42.58% 49.92% 67.62% 245.44% 212.91%
Augmented Payout Ratio
27.72% 33.02% 36.70% 39.05% 53.81% 64.08% 71.67% 90.92% 246.27% 212.91%

Frequently Asked Questions About Peoples Financial Services' Financials

When does Peoples Financial Services's fiscal year end?

According to the most recent income statement we have on file, Peoples Financial Services' financial year ends in December. Their financial year 2024 ended on December 31, 2024.

How has Peoples Financial Services' net income changed over the last 2 years?

Peoples Financial Services' net income appears to be on a downward trend, with a most recent value of $8.50 million in 2024, falling from $38.09 million in 2022. The previous period was $27.38 million in 2023.

How has Peoples Financial Services revenue changed over the last 2 years?

Over the last 2 years, Peoples Financial Services' total revenue changed from $107.59 million in 2022 to $134.33 million in 2024, a change of 24.8%.

How much debt does Peoples Financial Services have?

Peoples Financial Services' total liabilities were at $4.62 billion at the end of 2024, a 35.9% increase from 2023, and a 42.8% increase since 2022.

How much cash does Peoples Financial Services have?

In the past 2 years, Peoples Financial Services' cash and equivalents has ranged from $33.52 million in 2023 to $47.03 million in 2024, and is currently $47.03 million as of their latest financial filing in 2024.

How has Peoples Financial Services' book value per share changed over the last 2 years?

Over the last 2 years, Peoples Financial Services' book value per share changed from 44.04 in 2022 to 46.92 in 2024, a change of 6.5%.



This page (NASDAQ:PFIS) was last updated on 4/26/2025 by MarketBeat.com Staff
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