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Peoples Financial Services (PFIS) Financials

Peoples Financial Services logo
$48.31 -0.25 (-0.51%)
Closing price 05/23/2025 04:00 PM Eastern
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$48.32 +0.00 (+0.01%)
As of 05/23/2025 04:04 PM Eastern
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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 2024 2023 2022
Period end date 12/31/2024 12/31/2023 12/31/2022
Net Income / (Loss) Attributable to Common Shareholders		 8.50 27 38
Consolidated Net Income / (Loss)		 8.50 27 38
Net Income / (Loss) Continuing Operations		 8.50 27 38
Total Pre-Tax Income 		8.47 33 45
Total Revenue		 134 101 108
Net Interest Income / (Expense)		 116 87 96
Total Interest Income		 211 150 111
Loans and Leases Interest Income		 192 135 101
Investment Securities Interest Income		 15 9.50 10
Deposits and Money Market Investments Interest Income		 0.50 0.34 0.10
Federal Funds Sold and Securities Borrowed Interest Income		 4.13 5.38 0.34
Total Interest Expense		 95 63 16
Deposits Interest Expense		 88 59 13
Short-Term Borrowings Interest Expense		 2.03 1.92 1.10
Long-Term Debt Interest Expense		 5.51 2.62 1.85
Total Non-Interest Income		 18 14 12
Other Service Charges		 16 13 12
Net Realized & Unrealized Capital Gains on Investments		 0.42 0.46 -1.39
Other Non-Interest Income		 1.57 1.07 1.02
Provision for Credit Losses		 19 0.57 -0.45
Total Non-Interest Expense		 107 68 63
Salaries and Employee Benefits		 46 35 34
Net Occupancy & Equipment Expense		 22 17 17
Property & Liability Insurance Claims		 3.16 2.13 1.30
Other Operating Expenses		 16 11 11
Amortization Expense		 3.37 0.11 0.36
Restructuring Charge		 16 1.82 0.00
Income Tax Expense		 -0.03 5.12 7.28
Basic Earnings per Share		 $1.00 $3.85 $5.31
Weighted Average Basic Shares Outstanding		 8.53M 7.11M 7.17M
Diluted Earnings per Share		 $0.99 $3.83 $5.28
Weighted Average Diluted Shares Outstanding		 8.59M 7.15M 7.21M
Weighted Average Basic & Diluted Shares Outstanding		 9.99M 7.06M 7.16M
Cash Dividends to Common per Share		 $2.06 $1.64 $1.58

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 Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Net Income / (Loss) Attributable to Common Shareholders		 6.09 -4.34 3.28 3.47 3.63 6.75 9.43 7.58 9.14 9.97
Consolidated Net Income / (Loss)		 6.09 -4.34 3.28 3.47 3.63 6.75 9.43 7.58 9.14 9.97
Net Income / (Loss) Continuing Operations		 6.09 -4.34 3.28 3.47 3.63 6.75 9.43 7.58 9.14 9.97
Total Pre-Tax Income 		5.82 -4.99 3.70 3.94 4.22 8.08 11 8.97 11 12
Total Revenue		 44 45 22 23 24 25 26 27 26 28
Net Interest Income / (Expense)		 39 39 19 19 20 21 22 23 24 25
Total Interest Income		 66 68 38 39 40 39 37 34 32 29
Loans and Leases Interest Income		 59 62 36 35 35 35 34 31 29 26
Investment Securities Interest Income		 4.80 5.21 2.28 2.29 2.31 2.30 2.31 2.58 2.58 2.62
Deposits and Money Market Investments Interest Income		 0.11 0.15 0.12 0.12 0.15 0.09 0.09 0.01 0.04 0.04
Federal Funds Sold and Securities Borrowed Interest Income		 1.61 1.22 0.18 1.13 2.46 1.87 0.80 0.24 0.14 0.11
Total Interest Expense		 27 29 19 20 20 17 15 11 7.23 4.23
Deposits Interest Expense		 25 26 18 19 19 16 14 9.68 6.25 3.32
Short-Term Borrowings Interest Expense		 0.59 0.55 0.63 0.26 0.33 0.29 0.21 1.09 0.52 0.46
Long-Term Debt Interest Expense		 1.99 2.09 0.71 0.71 0.72 0.72 0.71 0.47 0.45 0.46
Total Non-Interest Income		 5.67 5.72 3.54 3.40 3.22 3.69 3.55 3.67 1.23 3.32
Other Service Charges		 11 5.05 0.09 0.09 6.09 3.16 3.26 0.10 3.04 2.94
Net Realized & Unrealized Capital Gains on Investments		 0.24 0.12 0.09 -0.03 -0.12 0.27 0.04 0.28 -2.11 0.11
Other Non-Interest Income		 -5.69 0.55 3.36 3.34 -2.76 0.27 0.26 3.30 0.29 0.27
Provision for Credit Losses		 3.37 14 0.60 0.71 1.67 -0.17 -2.20 1.26 -2.15 0.45
Total Non-Interest Expense		 35 36 18 18 18 17 17 16 17 16
Salaries and Employee Benefits		 15 13 8.45 8.84 8.94 8.78 8.48 9.08 9.19 8.47
Net Occupancy & Equipment Expense		 6.56 6.44 4.58 4.73 4.47 4.30 4.28 4.10 4.65 4.03
Property & Liability Insurance Claims		 1.25 0.81 0.50 0.59 0.57 0.51 0.56 0.50 0.33 0.32
Other Operating Expenses		 5.37 3.77 3.40 3.42 2.85 2.57 3.15 2.77 2.72 3.02
Amortization Expense		 1.70 1.67 0.00 0.00 0.02 0.03 0.03 0.03 0.07 0.10
Restructuring Charge		 4.99 9.65 1.07 0.49 0.83 0.87 0.12 0.00 - 0.00
Income Tax Expense		 -0.27 -0.66 0.42 0.48 0.59 1.34 1.81 1.39 1.69 1.96
Basic Earnings per Share		 $0.47 ($0.43) $0.47 $0.49 $0.52 $0.95 $1.32 $1.06 $1.28 $1.39
Weighted Average Basic Shares Outstanding		 8.53M 9.99M 7.06M 7.05M 7.11M 7.09M 7.15M 7.16M 7.17M 7.17M
Diluted Earnings per Share		 $0.47 ($0.43) $0.46 $0.49 $0.52 $0.95 $1.31 $1.05 $1.27 $1.38
Weighted Average Diluted Shares Outstanding		 8.59M 10.04M 7.11M 7.10M 7.15M 7.12M 7.18M 7.20M 7.21M 7.21M
Weighted Average Basic & Diluted Shares Outstanding		 9.99M 9.99M 9.98M 7.06M 7.06M 7.04M 7.09M 7.15M 7.16M 7.16M
Cash Dividends to Common per Share		 $0.62 $0.62 $0.41 $0.41 $0.41 $0.41 $0.41 $0.41 $0.40 $0.40

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 2024 2023 2022
Period end date 12/31/2024 12/31/2023 12/31/2022
Net Change in Cash & Equivalents		 -52 149 -242
Net Cash From Operating Activities		 34 33 42
Net Cash From Continuing Operating Activities		 34 33 42
Net Income / (Loss) Continuing Operations		 8.50 27 38
Consolidated Net Income / (Loss)		 8.50 27 38
Provision For Loan Losses		 19 0.57 -0.45
Depreciation Expense		 3.35 2.79 3.09
Amortization Expense		 4.00 2.83 2.78
Non-Cash Adjustments to Reconcile Net Income		 -13 0.75 2.92
Changes in Operating Assets and Liabilities, net		 12 -1.08 -4.44
Net Cash From Investing Activities		 387 -26 -468
Net Cash From Continuing Investing Activities		 387 -26 -468
Purchase of Property, Leasehold Improvements and Equipment		 -2.58 -5.93 -7.83
Purchase of Investment Securities		 -4.84 0.00 -547
Sale of Property, Leasehold Improvements and Equipment		 1.81 0.01 0.17
Divestitures		 28 0.00 0.00
Sale and/or Maturity of Investments		 303 103 44
Other Investing Activities, net		 62 -123 44
Net Cash From Financing Activities		 -473 142 183
Net Cash From Continuing Financing Activities		 -473 142 183
Net Change in Deposits		 -300 232 83
Issuance of Debt		 0.00 25 0.00
Repayment of Debt		 -155 -98 113
Repurchase of Common Equity		 0.00 -5.89 -1.25
Payment of Dividends		 -18 -12 -11
Cash Interest Paid		 96 58 15
Cash Income Taxes Paid		 1.85 3.46 10

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 Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Net Change in Cash & Equivalents		 -150 236 -60 -77 -67 118 -3.90 103 -75 65
Net Cash From Operating Activities		 3.32 26 1.74 3.23 8.95 6.75 13 4.55 12 11
Net Cash From Continuing Operating Activities		 3.32 26 1.74 3.23 8.95 6.75 13 4.55 12 11
Net Income / (Loss) Continuing Operations		 6.09 -4.34 3.28 3.47 3.63 6.75 9.43 7.58 9.14 9.97
Consolidated Net Income / (Loss)		 6.09 -4.34 3.28 3.47 3.63 6.75 9.43 7.58 9.14 9.97
Provision For Loan Losses		 3.37 14 0.60 0.71 1.67 -0.17 -2.20 1.26 -2.15 0.45
Depreciation Expense		 0.97 0.90 0.73 0.75 0.74 0.65 0.70 0.70 1.04 1.06
Amortization Expense		 2.08 1.12 0.42 0.38 0.72 1.15 0.50 0.47 0.03 0.26
Non-Cash Adjustments to Reconcile Net Income		 -10 -2.69 0.31 -0.16 0.01 -0.12 0.55 0.31 3.23 0.81
Changes in Operating Assets and Liabilities, net		 0.89 16 -3.60 -1.92 2.18 -1.51 4.04 -5.78 0.48 -1.05
Net Cash From Investing Activities		 120 277 -3.87 -5.30 22 -25 -8.67 -14 -106 -41
Net Cash From Continuing Investing Activities		 120 277 -3.87 -5.30 22 -25 -8.67 -14 -106 -41
Purchase of Property, Leasehold Improvements and Equipment		 2.35 -4.31 -0.40 -0.22 -0.23 -1.22 -1.97 -2.51 -2.45 -2.51
Purchase of Investment Securities		 25 -7.12 -14 -8.69 - 108 -20 -88 -150 -297
Sale of Property, Leasehold Improvements and Equipment		 1.65 0.11 0.04 0.00 - - - 0.01 0.17 -
Divestitures		 -0.74 - - - - - - - - -
Sale and/or Maturity of Investments		 270 18 10 3.60 4.44 76 14 8.98 2.03 21
Other Investing Activities, net		 -179 241 - 0.00 18 -209 0.00 67 44 238
Net Cash From Financing Activities		 -272 -67 -58 -75 -98 136 -8.24 112 19 95
Net Cash From Continuing Financing Activities		 -272 -67 -58 -75 -98 136 -8.24 112 19 95
Net Change in Deposits		 -232 146 -139 -75 -86 136 -6.49 189 -78 213
Issuance of Debt		 120 -207 87 0.00 - - 2.25 -73 -15 15
Payment of Dividends		 -6.15 -6.15 -2.89 -2.89 -2.89 -2.91 -2.93 -2.94 -2.86 -2.87
Cash Interest Paid		 29 28 19 20 19 17 12 9.83 7.45 4.37
Cash Income Taxes Paid		 0.70 0.65 0.48 0.02 0.39 1.35 1.68 0.05 2.61 2.11

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 2024 2023 2022
Period end date 12/31/2024 12/31/2023 12/31/2022
Total Assets		 5,092 3,742 3,554
Cash and Due from Banks		 47 34 38
Federal Funds Sold		 80 145 0.00
Interest Bearing Deposits at Other Banks		 8.59 9.14 0.19
Trading Account Securities		 2.43 0.35 569
Loans and Leases, Net of Allowance		 3,952 3,227 2,703
Loans and Leases		 3,994 3,249 2,730
Allowance for Loan and Lease Losses		 42 22 27
Premises and Equipment, Net		 73 61 56
Goodwill		 76 63 63
Intangible Assets		 34 0.00 0.11
Other Assets		 818 203 125
Total Liabilities & Shareholders' Equity		 5,092 3,742 3,554
Total Liabilities		 4,623 3,402 3,238
Non-Interest Bearing Deposits		 936 645 773
Interest Bearing Deposits		 3,472 2,634 2,274
Short-Term Debt		 16 18 115
Accrued Interest Payable		 5.50 5.77 0.90
Long-Term Debt		 140 58 34
Other Long-Term Liabilities		 54 41 42
Total Equity & Noncontrolling Interests		 469 340 315
Total Preferred & Common Equity		 469 340 315
Total Common Equity		 469 340 315
Common Stock		 271 136 141
Retained Earnings		 239 249 231
Accumulated Other Comprehensive Income / (Loss)		 -41 -44 -56

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 2024 Q2 2024 Q1 2024 Q3 2023 Q2 2023 Q1 2023 Q3 2022
Period end date 9/30/2024 6/30/2024 3/31/2024 9/30/2023 6/30/2023 3/31/2023 9/30/2022
Total Assets		 5,360 3,616 3,669 3,826 3,682 3,678 3,517
Cash and Due from Banks		 97 41 32 39 38 31 35
Federal Funds Sold		 178 0.00 70 206 93 102 70
Interest Bearing Deposits at Other Banks		 10 8.72 8.26 9.55 5.81 7.13 8.41
Trading Account Securities		 4.72 0.08 0.39 469 484 508 570
Loans and Leases, Net of Allowance		 4,030 3,232 3,230 2,848 2,820 5,611 2,594
Loans and Leases		 4,070 3,255 3,253 2,871 2,843 5,636 2,624
Allowance for Loan and Lease Losses		 39 23 23 23 23 25 30
Premises and Equipment, Net		 76 59 59 62 58 57 54
Goodwill		 77 63 63 63 63 63 63
Intangible Assets		 36 - - 0.02 0.05 0.08 0.18
Other Assets		 851 212 206 129 120 2,910 121
Total Liabilities & Shareholders' Equity		 5,360 3,616 3,669 3,826 3,682 3,678 3,517
Total Liabilities		 4,885 3,275 3,329 3,501 3,350 3,350 3,215
Non-Interest Bearing Deposits		 718 621 623 691 713 746 770
Interest Bearing Deposits		 3,920 2,444 2,581 2,674 2,516 2,490 2,354
Short-Term Debt		 37 104 20 27 20 17 15
Accrued Interest Payable		 6.83 5.51 5.33 4.78 4.70 2.30 1.13
Long-Term Debt		 153 58 58 58 58 58 34
Other Long-Term Liabilities		 51 43 42 47 38 36 41
Total Equity & Noncontrolling Interests		 475 341 340 324 332 329 302
Total Preferred & Common Equity		 475 341 340 324 332 329 302
Total Common Equity		 475 341 340 324 332 329 302
Common Stock		 271 137 136 136 140 141 141
Retained Earnings		 239 250 249 248 244 238 224
Accumulated Other Comprehensive Income / (Loss)		 -35 -45 -45 -59 -52 -49 -64

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 2024 2023 2022
Period end date 12/31/2024 12/31/2023 12/31/2022
Growth Metrics		 - - -
Revenue Growth		 33.14% -6.23% -2.43%
EBITDA Growth		 -58.53% -25.58% -12.29%
EBIT Growth		 -73.95% -28.36% -15.23%
NOPAT Growth		 -68.96% -28.12% -12.48%
Net Income Growth		 -68.96% -28.12% -12.48%
EPS Growth		 -74.15% -27.46% -12.29%
Operating Cash Flow Growth		 2.02% -21.50% 3.89%
Free Cash Flow Firm Growth		 -365.97% 250.68% -160.62%
Invested Capital Growth		 50.12% -10.31% 23.41%
Revenue Q/Q Growth		 18.15% -2.03% -9.46%
EBITDA Q/Q Growth		 25.28% -16.66% -21.67%
EBIT Q/Q Growth		 23.26% -16.90% -17.36%
NOPAT Q/Q Growth		 40.67% -16.75% -16.04%
Net Income Q/Q Growth		 40.67% -16.75% -16.04%
EPS Q/Q Growth		 -4.81% -16.38% -15.92%
Operating Cash Flow Q/Q Growth		 -14.22% -8.75% -6.60%
Free Cash Flow Firm Q/Q Growth		 19.82% 390.28% -185.00%
Invested Capital Q/Q Growth		 -6.07% 1.61% 32.29%
Profitability Metrics		 - - -
EBITDA Margin		 11.77% 37.79% 47.62%
EBIT Margin		 6.30% 32.22% 42.16%
Profit (Net Income) Margin		 6.33% 27.14% 35.40%
Tax Burden Percent		 100.35% 84.24% 83.96%
Interest Burden Percent		 100.00% 100.00% 100.00%
Effective Tax Rate		 -0.35% 15.76% 16.04%
Return on Invested Capital (ROIC)		 1.63% 6.22% 9.07%
ROIC Less NNEP Spread (ROIC-NNEP)		 1.63% 6.22% 9.07%
Return on Net Nonoperating Assets (RNNOA)		 0.47% 2.13% 2.55%
Return on Equity (ROE)		 2.10% 8.35% 11.62%
Cash Return on Invested Capital (CROIC)		 -38.44% 17.09% -11.89%
Operating Return on Assets (OROA)		 0.19% 0.89% 1.31%
Return on Assets (ROA)		 0.19% 0.75% 1.10%
Return on Common Equity (ROCE)		 2.10% 8.35% 11.62%
Return on Equity Simple (ROE_SIMPLE)		 1.81% 8.04% 12.08%
Net Operating Profit after Tax (NOPAT)		 8.50 27 38
NOPAT Margin		 6.33% 27.14% 35.40%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 50.65% 51.97% 46.59%
Operating Expenses to Revenue		 79.45% 67.22% 58.25%
Earnings before Interest and Taxes (EBIT)		 8.47 33 45
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 16 38 51
Valuation Ratios		 - - -
Price to Book Value (P/BV)		 1.08 0.95 1.07
Price to Tangible Book Value (P/TBV)		 1.41 1.17 1.34
Price to Revenue (P/Rev)		 3.76 3.21 3.14
Price to Earnings (P/E)		 59.43 11.83 8.87
Dividend Yield		 4.07% 3.57% 3.35%
Earnings Yield		 1.68% 8.46% 11.28%
Enterprise Value to Invested Capital (EV/IC)		 0.84 0.51 0.97
Enterprise Value to Revenue (EV/Rev)		 3.91 2.10 4.17
Enterprise Value to EBITDA (EV/EBITDA)		 33.19 5.56 8.75
Enterprise Value to EBIT (EV/EBIT)		 61.97 6.52 9.88
Enterprise Value to NOPAT (EV/NOPAT)		 61.75 7.74 11.77
Enterprise Value to Operating Cash Flow (EV/OCF)		 15.47 6.38 10.59
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 2.82 0.00
Leverage & Solvency		 - - -
Debt to Equity		 0.33 0.22 0.47
Long-Term Debt to Equity		 0.30 0.17 0.11
Financial Leverage		 0.29 0.34 0.28
Leverage Ratio		 10.91 11.13 10.56
Compound Leverage Factor		 10.91 11.13 10.56
Debt to Total Capital		 24.91% 18.17% 32.01%
Short-Term Debt to Total Capital		 2.55% 4.23% 24.78%
Long-Term Debt to Total Capital		 22.37% 13.94% 7.23%
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		 75.09% 81.83% 67.99%
Debt to EBITDA		 9.84 1.98 2.90
Net Debt to EBITDA		 1.25 -2.93 2.16
Long-Term Debt to EBITDA		 8.83 1.52 0.65
Debt to NOPAT		 18.31 2.76 3.90
Net Debt to NOPAT		 2.32 -4.08 2.90
Long-Term Debt to NOPAT		 16.44 2.12 0.88
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00%
Liquidity Ratios		 - - -
Cash Flow Metrics		 - - -
Free Cash Flow to Firm (FCFF)		 -200 75 -50
Operating Cash Flow to CapEx		 4,417.06% 562.54% 552.89%
Free Cash Flow to Firm to Interest Expense		 -2.10 1.19 -3.20
Operating Cash Flow to Interest Expense		 0.36 0.53 2.72
Operating Cash Flow Less CapEx to Interest Expense		 0.35 0.43 2.23
Efficiency Ratios		 - - -
Asset Turnover		 0.03 0.03 0.03
Fixed Asset Turnover		 2.00 1.73 2.01
Capital & Investment Metrics		 - - -
Invested Capital		 625 416 464
Invested Capital Turnover		 0.26 0.23 0.26
Increase / (Decrease) in Invested Capital		 209 -48 88
Enterprise Value (EV)		 525 212 448
Market Capitalization		 505 324 338
Book Value per Share		 $46.92 $48.35 $44.04
Tangible Book Value per Share		 $35.90 $39.35 $35.18
Total Capital		 625 416 464
Total Debt		 156 76 148
Total Long-Term Debt		 140 58 34
Net Debt		 20 -112 111
Capital Expenditures (CapEx)		 0.77 5.91 7.66
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 156 76 148
Total Depreciation and Amortization (D&A)		 7.34 5.63 5.87
Earnings Adjustments		 - - -
Adjusted Basic Earnings per Share		 $1.00 $3.85 $5.31
Adjusted Weighted Average Basic Shares Outstanding		 8.53M 7.11M 7.17M
Adjusted Diluted Earnings per Share		 $0.99 $3.83 $5.28
Adjusted Weighted Average Diluted Shares Outstanding		 8.59M 7.15M 7.21M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 9.99M 7.06M 7.16M
Normalized Net Operating Profit after Tax (NOPAT)		 17 29 38
Normalized NOPAT Margin		 12.86% 28.66% 35.40%
Pre Tax Income Margin		 6.30% 32.22% 42.16%
Debt Service Ratios		 - - -
EBIT to Interest Expense		 0.09 0.52 2.91
NOPAT to Interest Expense		 0.09 0.43 2.44
EBIT Less CapEx to Interest Expense		 0.08 0.42 2.42
NOPAT Less CapEx to Interest Expense		 0.08 0.34 1.95
Payout Ratios		 - - -
Dividend Payout Ratio		 212.91% 42.58% 29.73%
Augmented Payout Ratio		 212.91% 64.08% 33.02%

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 Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 87.59% 80.09% -12.44% -14.96% -8.14% -11.82% -7.03% 2.56% -30.47% 11.33%
EBITDA Growth		 56.20% -130.16% -61.02% -49.95% -52.29% -25.43% -0.45% -25.45% -54.37% 25.83%
EBIT Growth		 37.89% -161.80% -67.04% -56.02% -61.05% -32.26% 0.81% -21.77% -46.80% 9.58%
NOPAT Growth		 67.69% -151.82% -65.18% -54.27% -60.28% -32.32% 0.77% -21.30% -44.32% 9.59%
Net Income Growth		 67.69% -164.29% -65.18% -54.27% -60.28% -32.32% 0.77% -21.30% -44.32% 9.59%
EPS Growth		 -9.62% -145.26% -64.89% -53.33% -59.06% -31.16% 0.77% -21.05% -44.05% 9.52%
Operating Cash Flow Growth		 -62.87% 280.09% -86.64% -29.08% -26.27% -41.28% 35.52% -50.21% -19.80% -9.14%
Free Cash Flow Firm Growth		 -493.42% -397.57% -219.30% 73.28% 165.25% -323.19% 172.41% -157.67% -242.80% -62.40%
Invested Capital Growth		 50.12% 62.40% 22.90% 3.55% -10.31% 16.77% -13.96% 13.57% 23.41% -3.67%
Revenue Q/Q Growth		 -1.74% 100.23% -1.16% -3.53% -5.68% -2.65% -4.00% 4.21% -9.45% 2.64%
EBITDA Q/Q Growth		 397.62% -161.45% -4.47% -21.20% -42.53% -20.59% 22.64% -23.75% -10.16% 6.02%
EBIT Q/Q Growth		 216.44% -234.86% -6.11% -6.47% -47.82% -28.07% 25.28% -17.18% -9.24% 7.04%
NOPAT Q/Q Growth		 274.12% -206.51% -5.31% -4.52% -46.19% -28.42% 24.36% -17.07% -8.32% 6.58%
Net Income Q/Q Growth		 240.35% -232.15% -5.31% -4.52% -46.19% -28.42% 24.36% -17.07% -8.32% 6.58%
EPS Q/Q Growth		 209.30% -193.48% -6.12% -5.77% -45.26% -27.48% 24.76% -17.32% -7.97% 6.15%
Operating Cash Flow Q/Q Growth		 -87.05% 1,374.24% -46.09% -63.94% 32.62% -48.17% 186.06% -62.50% 5.62% 19.63%
Free Cash Flow Firm Q/Q Growth		 21.84% -186.31% -732.03% -121.13% 198.85% -168.65% 286.33% 48.40% -438.15% 122.27%
Invested Capital Q/Q Growth		 -6.07% 32.17% 20.28% 0.54% 1.61% 0.02% 1.34% -12.92% 32.29% -26.30%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 20.07% -6.63% 21.59% 22.34% 24.10% 39.55% 48.49% 37.95% 46.41% 46.77%
EBIT Margin		 13.16% -11.11% 16.49% 17.36% 17.91% 32.36% 43.80% 33.57% 42.23% 42.13%
Profit (Net Income) Margin		 13.78% -9.65% 14.61% 15.26% 15.41% 27.02% 36.75% 28.37% 35.64% 35.20%
Tax Burden Percent		 104.68% 86.84% 88.63% 87.88% 86.08% 83.48% 83.89% 84.51% 84.40% 83.55%
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		 -4.68% 0.00% 11.37% 12.12% 13.92% 16.52% 16.11% 15.49% 15.60% 16.45%
Return on Invested Capital (ROIC)		 3.56% -1.65% 3.00% 3.60% 3.53% 7.32% 8.83% 8.09% 9.13% 11.71%
ROIC Less NNEP Spread (ROIC-NNEP)		 3.56% -2.26% 3.00% 3.60% 3.53% 7.32% 8.83% 8.09% 9.13% 11.71%
Return on Net Nonoperating Assets (RNNOA)		 1.02% -0.78% 1.07% 0.83% 1.21% 1.56% 3.31% 1.38% 2.57% 1.58%
Return on Equity (ROE)		 4.57% -2.42% 4.07% 4.42% 4.74% 8.89% 12.14% 9.46% 11.70% 13.29%
Cash Return on Invested Capital (CROIC)		 -38.44% -46.44% -16.79% 2.17% 17.09% -6.82% 23.16% -3.22% -11.89% 16.43%
Operating Return on Assets (OROA)		 0.40% -0.27% 0.42% 0.46% 0.50% 0.91% 1.31% 1.03% 1.31% 1.48%
Return on Assets (ROA)		 0.42% -0.24% 0.38% 0.40% 0.43% 0.76% 1.10% 0.87% 1.11% 1.24%
Return on Common Equity (ROCE)		 4.57% -2.42% 4.07% 4.42% 4.74% 8.89% 12.14% 9.46% 11.70% 13.29%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 1.27% 5.02% 6.84% 0.00% 10.14% 10.88% 10.97% 0.00% 15.03%
Net Operating Profit after Tax (NOPAT)		 6.09 -3.50 3.28 3.47 3.63 6.75 9.43 7.58 9.14 9.97
NOPAT Margin		 13.78% -7.77% 14.61% 15.26% 15.41% 27.02% 36.75% 28.37% 35.64% 35.20%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.61% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 49.45% 43.60% 58.00% 59.70% 56.93% 52.39% 49.75% 49.34% 53.95% 44.14%
Operating Expenses to Revenue		 79.21% 78.95% 80.86% 79.52% 75.01% 68.30% 64.78% 61.70% 66.15% 56.28%
Earnings before Interest and Taxes (EBIT)		 5.82 -4.99 3.70 3.94 4.22 8.08 11 8.97 11 12
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 8.87 -2.98 4.85 5.08 5.68 9.88 12 10 12 13
Valuation Ratios		 - - - - - - - - - -
Price to Book Value (P/BV)		 1.08 0.98 0.94 0.89 0.95 0.84 0.91 0.90 1.07 1.04
Price to Tangible Book Value (P/TBV)		 1.41 1.29 1.16 1.09 1.17 1.04 1.12 1.11 1.34 1.32
Price to Revenue (P/Rev)		 3.76 4.11 3.43 3.11 3.21 2.65 2.83 2.73 3.14 2.65
Price to Earnings (P/E)		 59.43 77.42 18.77 12.94 11.83 8.28 8.34 8.20 8.87 6.94
Dividend Yield		 4.07% 3.94% 3.60% 3.84% 3.57% 4.25% 3.85% 3.88% 3.35% 3.55%
Earnings Yield		 1.68% 1.29% 5.33% 7.73% 8.46% 12.08% 11.99% 12.20% 11.28% 14.41%
Enterprise Value to Invested Capital (EV/IC)		 0.84 0.56 0.86 0.64 0.51 0.25 0.59 0.57 0.97 0.71
Enterprise Value to Revenue (EV/Rev)		 3.91 3.27 4.63 2.78 2.10 1.00 2.28 2.13 4.17 2.11
Enterprise Value to EBITDA (EV/EBITDA)		 33.19 29.48 17.02 8.15 5.56 2.25 4.92 4.68 8.75 3.83
Enterprise Value to EBIT (EV/EBIT)		 61.97 54.16 21.74 9.81 6.52 2.63 5.63 5.37 9.88 4.56
Enterprise Value to NOPAT (EV/NOPAT)		 61.75 61.59 25.33 11.58 7.74 3.13 6.70 6.39 11.77 5.52
Enterprise Value to Operating Cash Flow (EV/OCF)		 15.47 9.41 21.00 8.44 6.38 2.82 5.87 6.09 10.59 5.52
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 30.17 2.82 0.00 2.36 0.00 0.00 4.27
Leverage & Solvency		 - - - - - - - - - -
Debt to Equity		 0.33 0.40 0.48 0.23 0.22 0.26 0.23 0.23 0.47 0.16
Long-Term Debt to Equity		 0.30 0.32 0.17 0.17 0.17 0.18 0.17 0.18 0.11 0.11
Financial Leverage		 0.29 0.34 0.36 0.23 0.34 0.21 0.37 0.17 0.28 0.14
Leverage Ratio		 10.91 11.49 10.85 10.99 11.13 11.73 11.04 10.83 10.56 10.72
Compound Leverage Factor		 10.91 11.49 10.85 10.99 11.13 11.73 11.04 10.83 10.56 10.72
Debt to Total Capital		 24.91% 28.55% 32.25% 18.71% 18.17% 20.77% 18.94% 18.64% 32.01% 13.92%
Short-Term Debt to Total Capital		 2.55% 5.62% 20.72% 4.84% 4.23% 6.60% 4.77% 4.28% 24.78% 4.19%
Long-Term Debt to Total Capital		 22.37% 22.94% 11.53% 13.87% 13.94% 14.17% 14.17% 14.36% 7.23% 9.73%
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		 75.09% 71.45% 67.75% 81.29% 81.83% 79.23% 81.06% 81.36% 67.99% 86.08%
Debt to EBITDA		 9.84 15.04 6.37 2.37 1.98 1.86 1.58 1.53 2.90 0.75
Net Debt to EBITDA		 1.25 -7.58 4.41 -0.96 -2.93 -3.71 -1.20 -1.33 2.16 -0.98
Long-Term Debt to EBITDA		 8.83 12.08 2.28 1.75 1.52 1.27 1.18 1.18 0.65 0.52
Debt to NOPAT		 18.31 31.43 9.48 3.36 2.76 2.59 2.15 2.09 3.90 1.08
Net Debt to NOPAT		 2.32 -15.83 6.56 -1.36 -4.08 -5.15 -1.64 -1.81 2.90 -1.42
Long-Term Debt to NOPAT		 16.44 25.24 3.39 2.49 2.12 1.76 1.61 1.61 0.88 0.75
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)		 -202 -259 -90 -11 51 -52 76 -41 -79 23
Operating Cash Flow to CapEx		 0.00% 609.97% 491.24% 1,493.52% 3,923.25% 552.42% 660.56% 182.54% 533.27% 458.38%
Free Cash Flow to Firm to Interest Expense		 -7.42 -8.92 -4.65 -0.55 2.61 -2.98 5.18 -3.62 -10.91 5.51
Operating Cash Flow to Interest Expense		 0.12 0.88 0.09 0.16 0.45 0.39 0.89 0.40 1.68 2.71
Operating Cash Flow Less CapEx to Interest Expense		 0.27 0.74 0.07 0.15 0.44 0.32 0.75 0.18 1.36 2.12
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.03 0.02 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.04
Fixed Asset Turnover		 2.00 1.65 1.61 1.68 1.73 1.77 1.92 1.99 2.01 2.26
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 625 665 503 418 416 409 409 404 464 351
Invested Capital Turnover		 0.26 0.21 0.21 0.24 0.23 0.27 0.24 0.29 0.26 0.33
Increase / (Decrease) in Invested Capital		 209 255 94 14 -48 59 -66 48 88 -13
Enterprise Value (EV)		 525 372 434 269 212 103 242 230 448 251
Market Capitalization		 505 468 321 301 324 272 301 295 338 315
Book Value per Share		 $46.92 $47.62 $48.29 $48.17 $48.35 $45.73 $46.40 $45.90 $44.04 $42.09
Tangible Book Value per Share		 $35.90 $36.31 $39.31 $39.19 $39.35 $36.80 $37.53 $37.03 $35.18 $33.23
Total Capital		 625 665 503 418 416 409 409 404 464 351
Total Debt		 156 190 162 78 76 85 78 75 148 49
Total Long-Term Debt		 140 153 58 58 58 58 58 58 34 34
Net Debt		 20 -96 112 -32 -112 -170 -59 -65 111 -64
Capital Expenditures (CapEx)		 -4.01 4.20 0.35 0.22 0.23 1.22 1.97 2.49 2.28 2.51
Net Nonoperating Expense (NNE)		 0.00 0.84 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 156 190 162 78 76 85 78 75 148 49
Total Depreciation and Amortization (D&A)		 3.05 2.02 1.15 1.13 1.46 1.80 1.20 1.17 1.07 1.31
Earnings Adjustments		 - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.47 ($0.43) $0.47 $0.49 $0.52 $0.95 $1.32 $1.06 $1.28 $1.39
Adjusted Weighted Average Basic Shares Outstanding		 8.53M 9.99M 7.06M 7.05M 7.11M 7.09M 7.15M 7.16M 7.17M 7.17M
Adjusted Diluted Earnings per Share		 $0.47 ($0.43) $0.46 $0.49 $0.52 $0.95 $1.31 $1.05 $1.27 $1.38
Adjusted Weighted Average Diluted Shares Outstanding		 8.59M 10.04M 7.11M 7.10M 7.15M 7.12M 7.18M 7.20M 7.21M 7.21M
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		 9.99M 9.99M 9.98M 7.06M 7.06M 7.04M 7.09M 7.15M 7.16M 7.16M
Normalized Net Operating Profit after Tax (NOPAT)		 7.56 3.26 4.23 3.89 4.34 7.47 9.53 7.58 9.14 9.97
Normalized NOPAT Margin		 17.12% 7.25% 18.84% 17.14% 18.43% 29.92% 37.14% 28.37% 35.64% 35.20%
Pre Tax Income Margin		 13.16% -11.11% 16.49% 17.36% 17.91% 32.36% 43.80% 33.57% 42.23% 42.13%
Debt Service Ratios		 - - - - - - - - - -
EBIT to Interest Expense		 0.21 -0.17 0.19 0.20 0.21 0.46 0.77 0.80 1.50 2.82
NOPAT to Interest Expense		 0.22 -0.12 0.17 0.18 0.18 0.39 0.64 0.67 1.26 2.36
EBIT Less CapEx to Interest Expense		 0.36 -0.32 0.17 0.19 0.20 0.39 0.63 0.58 1.18 2.23
NOPAT Less CapEx to Interest Expense		 0.37 -0.27 0.15 0.17 0.17 0.32 0.51 0.45 0.95 1.76
Payout Ratios		 - - - - - - - - - -
Dividend Payout Ratio		 212.91% 245.44% 67.62% 49.92% 42.58% 35.37% 32.11% 31.81% 29.73% 24.66%
Augmented Payout Ratio		 212.91% 246.27% 90.92% 71.67% 64.08% 53.81% 39.05% 36.70% 33.02% 27.72%

Frequently Asked Questions About Peoples Financial Services' Financials

When does Peoples Financial Services's financial year end?

According to the most recent income statement we have on file, Peoples Financial Services' fiscal year ends in December. Their fiscal 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. Check out Peoples Financial Services' forecast to explore projected trends and price targets.

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%.


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This page (NASDAQ:PFIS) was last updated on 5/25/2025 by MarketBeat.com Staff
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