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Peoples Financial Services (PFIS) Financials

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$67.81 +1.13 (+1.69%)
As of 01:45 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 18 14 18 25 26 29 44 38 27 8.50 59
Consolidated Net Income / (Loss)		 18 20 18 25 26 29 44 38 27 8.50 59
Net Income / (Loss) Continuing Operations		 18 14 18 25 26 29 44 38 27 8.50 59
Total Pre-Tax Income 		22 25 27 28 29 34 54 45 33 8.47 72
Total Revenue		 73 72 83 85 91 96 110 108 101 134 188
Net Interest Income / (Expense)		 57 62 66 71 76 80 85 96 87 116 166
Total Interest Income		 63 69 74 85 93 94 94 111 150 211 260
Loans and Leases Interest Income		 56 63 68 78 87 87 86 101 135 192 237
Investment Securities Interest Income		 6.63 6.00 6.00 6.49 6.40 6.61 7.27 10 9.50 15 20
Deposits and Money Market Investments Interest Income		 0.05 0.05 0.13 0.15 0.07 0.03 0.01 0.10 0.34 0.50 0.41
Federal Funds Sold and Securities Borrowed Interest Income		 0.01 - - 0.00 0.12 0.07 0.33 0.34 5.38 4.13 2.42
Total Interest Expense		 6.04 1.42 8.70 13 18 14 9.42 16 63 95 94
Deposits Interest Expense		 4.95 -5.43 6.45 9.35 15 12 7.31 13 59 88 81
Short-Term Borrowings Interest Expense		 0.05 -0.40 0.90 2.74 1.64 0.85 0.08 1.10 1.92 2.03 1.29
Long-Term Debt Interest Expense		 1.03 7.25 1.35 1.24 1.23 1.74 2.03 1.85 2.62 5.51 11
Total Non-Interest Income		 16 16 17 14 15 17 26 12 14 18 22
Other Service Charges		 11 0.89 0.78 0.63 0.60 13 12 12 13 0.39 0.55
Net Realized & Unrealized Capital Gains on Investments		 1.19 0.62 2.28 0.41 1.95 3.23 13 -1.39 0.46 0.25 -1.04
Other Non-Interest Income		 - 14 13 13 13 0.77 0.89 1.02 1.07 18 22
Provision for Credit Losses		 3.70 5.00 4.80 4.20 6.10 7.40 1.75 -0.45 0.57 19 0.10
Total Non-Interest Expense		 47 48 51 52 56 55 55 63 68 107 115
Salaries and Employee Benefits		 22 22 27 28 31 30 30 34 35 46 56
Net Occupancy & Equipment Expense		 9.10 9.42 9.98 11 12 13 13 17 17 22 27
Property & Liability Insurance Claims		 - 1.10 0.83 1.09 0.65 0.87 1.12 1.30 2.13 3.16 3.29
Other Operating Expenses		 15 14 13 11 11 10 11 11 11 15 22
Amortization Expense		 1.20 1.19 1.03 0.88 0.73 0.61 0.49 0.36 0.11 3.37 6.40
Restructuring Charge		 - - - - - - 0.00 0.00 1.82 16 0.24
Income Tax Expense		 4.52 5.01 8.18 3.39 3.16 4.82 10.00 7.28 5.12 -0.03 13
Basic Earnings per Share		 $2.36 $2.65 $2.50 $3.37 $3.48 $4.02 $6.05 $5.31 $3.85 $1.00 $5.92
Weighted Average Basic Shares Outstanding		 7.52M 7.40M 7.40M 7.40M 7.40M 7.30M 7.20M 7.17M 7.11M 8.53M 9.99M
Diluted Earnings per Share		 $2.36 $2.65 $2.50 $3.37 $3.47 $4.00 $6.02 $5.28 $3.83 $0.99 $5.88
Weighted Average Diluted Shares Outstanding		 7.52M 7.40M 7.40M 7.40M 7.41M 7.34M 7.24M 7.21M 7.15M 8.59M 10.07M
Weighted Average Basic & Diluted Shares Outstanding		 7.50M 7.40M 7.40M 7.40M 7.39M 7.20M 7.17M 7.16M 7.06M 9.99M 10.00M
Cash Dividends to Common per Share		 $1.24 $1.24 $1.26 $1.31 $1.37 $1.44 $1.50 $1.58 $1.64 $2.06 $2.47

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 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 6.75 3.63 3.47 3.28 -4.34 6.09 15 17 15 12 15
Consolidated Net Income / (Loss)		 6.75 3.63 3.47 3.28 -4.34 6.09 15 17 15 12 15
Net Income / (Loss) Continuing Operations		 6.75 3.63 3.47 3.28 -4.34 6.09 15 17 15 12 15
Total Pre-Tax Income 		8.08 4.22 3.94 3.70 -4.99 5.82 18 20 19 15 19
Total Revenue		 25 24 23 22 45 44 46 48 47 47 50
Net Interest Income / (Expense)		 21 20 19 19 39 39 40 42 41 43 43
Total Interest Income		 39 40 39 38 68 66 62 65 65 67 65
Loans and Leases Interest Income		 35 35 35 36 62 59 57 60 60 60 58
Investment Securities Interest Income		 2.30 2.31 2.29 2.28 5.21 4.80 4.57 5.04 4.92 5.11 5.43
Deposits and Money Market Investments Interest Income		 0.09 0.15 0.12 0.12 0.15 0.11 0.11 0.10 0.10 0.10 0.09
Federal Funds Sold and Securities Borrowed Interest Income		 1.87 2.46 1.13 0.18 1.22 1.61 0.29 0.44 0.37 1.33 0.80
Total Interest Expense		 17 20 20 19 29 27 23 23 24 24 22
Deposits Interest Expense		 16 19 19 18 26 25 21 20 20 20 18
Short-Term Borrowings Interest Expense		 0.29 0.33 0.26 0.63 0.55 0.59 0.23 0.41 0.34 0.31 0.37
Long-Term Debt Interest Expense		 0.72 0.72 0.71 0.71 2.09 1.99 1.81 2.43 3.45 3.60 3.33
Total Non-Interest Income		 3.69 3.22 3.39 3.55 5.72 5.67 6.26 6.25 5.50 3.72 6.90
Other Service Charges		 3.16 6.09 3.16 0.09 5.05 11 4.94 0.13 5.41 -9.92 0.24
Net Realized & Unrealized Capital Gains on Investments		 0.27 -0.12 -0.04 0.10 0.12 0.24 0.79 0.16 -0.45 -1.54 1.63
Other Non-Interest Income		 0.27 -2.76 0.28 3.36 0.55 -5.69 0.53 5.97 0.54 15 5.03
Provision for Credit Losses		 -0.17 1.67 0.71 0.60 14 3.37 0.20 -0.24 -0.84 0.98 1.39
Total Non-Interest Expense		 17 18 18 18 35 35 27 28 29 31 30
Salaries and Employee Benefits		 8.78 8.94 8.84 8.45 13 15 13 14 14 15 15
Net Occupancy & Equipment Expense		 4.30 4.47 4.72 4.59 6.43 6.56 6.61 6.28 7.22 7.33 7.68
Marketing Expense		 - - 0.57 0.43 0.74 - 0.86 1.07 1.11 - 1.30
Property & Liability Insurance Claims		 0.51 0.57 0.59 0.50 0.81 1.25 1.02 0.98 0.61 0.68 0.76
Other Operating Expenses		 2.57 2.85 2.86 2.96 3.03 5.37 3.54 4.40 4.09 9.68 3.94
Amortization Expense		 0.03 0.02 0.00 0.00 1.67 1.70 1.68 1.68 1.52 1.52 1.52
Restructuring Charge		 0.87 0.83 0.49 1.07 9.65 4.99 0.15 0.07 0.02 - 0.00
Income Tax Expense		 1.34 0.59 0.48 0.42 -0.66 -0.27 3.24 3.47 3.60 2.74 3.77
Basic Earnings per Share		 $0.95 $0.52 $0.49 $0.47 ($0.43) $0.47 $1.50 $1.70 $1.53 $1.19 $1.47
Weighted Average Basic Shares Outstanding		 7.09M 7.11M 7.05M 7.06M 9.99M 8.53M 9.99M 9.99M 9.99M 9.99M 10.00M
Diluted Earnings per Share		 $0.95 $0.52 $0.49 $0.46 ($0.43) $0.47 $1.49 $1.68 $1.51 $1.20 $1.47
Weighted Average Diluted Shares Outstanding		 7.12M 7.15M 7.10M 7.11M 10.04M 8.59M 10.04M 10.08M 10.09M 10.07M 10.03M
Weighted Average Basic & Diluted Shares Outstanding		 7.04M 7.06M 7.06M 9.98M 9.99M 9.99M 10.00M 9.99M 9.99M 10.00M 10.01M
Cash Dividends to Common per Share		 $0.41 $0.41 $0.41 $0.41 $0.62 $0.62 $0.62 $0.62 $0.62 $0.61 $0.63

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 1.49 7.02 -2.45 -4.87 -1.46 197 52 -242 149 -52 133
Net Cash From Operating Activities		 29 28 29 33 37 37 41 42 33 35 54
Net Cash From Continuing Operating Activities		 11 28 29 33 37 37 41 42 33 35 54
Net Income / (Loss) Continuing Operations		 0.00 20 18 25 26 29 44 38 27 8.50 59
Consolidated Net Income / (Loss)		 - 20 18 25 26 29 44 38 27 8.50 59
Provision For Loan Losses		 - 5.00 4.80 4.20 6.10 7.40 1.75 -0.45 0.57 19 0.10
Depreciation Expense		 1.60 1.66 1.95 2.33 3.08 2.90 2.70 3.09 2.79 3.35 3.32
Amortization Expense		 -3.69 5.61 4.71 3.61 2.23 -0.55 2.19 2.78 2.83 4.00 7.01
Non-Cash Adjustments to Reconcile Net Income		 62 -2.17 -0.85 -2.04 0.68 -1.39 -12 2.92 0.75 -13 -12
Changes in Operating Assets and Liabilities, net		 -1.25 -1.63 -0.47 -0.40 -0.76 -0.53 2.40 -4.44 -1.08 12 -3.47
Net Cash From Investing Activities		 -89 -186 -185 -135 -185 -201 -440 -468 -26 386 -24
Net Cash From Continuing Investing Activities		 -89 -186 -185 -135 -185 -201 -440 -468 -26 386 -24
Purchase of Property, Leasehold Improvements and Equipment		 -4.42 -6.76 -6.25 -4.07 -5.60 -2.29 -4.89 -7.83 -5.93 -2.58 -11
Purchase of Investment Securities		 -228 -263 -238 -174 -244 -350 -359 -547 0.00 -5.64 -169
Sale of Property, Leasehold Improvements and Equipment		 0.01 - - 0.40 0.00 0.44 0.06 0.17 0.01 1.81 7.39
Divestitures		 - - 2.30 - - - - 0.00 0.00 28 0.00
Sale and/or Maturity of Investments		 143 83 58 43 56 86 75 44 103 303 209
Other Investing Activities, net		 - - - 0.00 9.68 65 -152 44 -123 62 -61
Net Cash From Financing Activities		 62 165 154 97 146 361 451 183 142 -473 103
Net Cash From Continuing Financing Activities		 71 165 154 97 146 361 451 183 142 -473 103
Net Change in Deposits		 30 133 130 156 96 466 526 83 232 -300 26
Issuance of Debt		 52 44 41 0.00 82 35 0.00 0.00 -72 -131 176
Repayment of Debt		 - -2.22 -8.40 -49 -21 -122 -62 113 -0.56 -23 -74
Repurchase of Common Equity		 - -0.60 - 0.00 -0.63 -6.89 -2.36 -1.25 -5.89 0.00 0.00
Payment of Dividends		 - -9.17 -9.32 -9.69 -10 -11 -11 -11 -12 -18 -25
Cash Interest Paid		 6.79 7.35 8.66 13 18 15 9.75 15 58 96 92
Cash Income Taxes Paid		 4.20 5.90 5.90 2.65 4.55 6.25 6.74 10 3.46 1.85 7.56

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 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 118 -67 -77 -60 236 -150 -59 99 4.18 89 60
Net Cash From Operating Activities		 6.75 8.95 3.23 1.74 26 3.32 9.07 14 15 16 8.30
Net Cash From Continuing Operating Activities		 6.75 8.95 3.23 1.74 26 3.32 9.08 14 15 16 8.30
Net Income / (Loss) Continuing Operations		 6.75 3.63 3.47 3.28 -4.34 6.09 15 17 15 12 15
Consolidated Net Income / (Loss)		 6.75 3.63 3.47 3.28 -4.34 6.09 15 17 15 12 15
Provision For Loan Losses		 -0.17 1.67 0.71 0.60 14 3.37 0.20 -0.24 -0.84 0.98 1.39
Depreciation Expense		 0.65 0.74 0.75 0.73 0.90 0.97 0.80 0.81 0.82 0.88 0.92
Amortization Expense		 1.15 0.72 0.38 0.42 1.12 2.08 1.56 1.27 0.68 3.93 1.78
Non-Cash Adjustments to Reconcile Net Income		 -0.12 0.01 -0.16 0.31 -2.69 -10 -3.86 -4.40 -2.67 -1.38 -3.37
Changes in Operating Assets and Liabilities, net		 -1.51 2.18 -1.92 -3.60 16 0.89 -4.63 -0.52 1.98 -0.30 -7.16
Net Cash From Investing Activities		 -25 22 -5.30 -3.87 277 120 41 -5.89 -40 -19 -80
Net Cash From Continuing Investing Activities		 -25 22 -5.30 -3.87 277 120 41 -5.89 -40 -19 -80
Purchase of Property, Leasehold Improvements and Equipment		 -1.22 -0.23 -0.22 -0.40 -4.31 2.35 -0.50 -5.39 -2.19 -2.86 -1.81
Purchase of Investment Securities		 108 - 0.20 -14 -7.12 25 0.94 -31 -65 -74 -20
Sale of Property, Leasehold Improvements and Equipment		 - - 0.00 0.04 0.11 1.65 3.70 - 0.03 3.67 0.00
Sale and/or Maturity of Investments		 76 4.44 3.40 10 18 270 31 32 31 115 62
Other Investing Activities, net		 -209 18 -8.69 - 241 -179 5.44 -1.53 -3.90 -61 -121
Net Cash From Financing Activities		 136 -98 -75 -58 -67 -272 -108 91 29 92 132
Net Cash From Continuing Financing Activities		 136 -98 -75 -58 -67 -272 -108 91 29 92 132
Net Change in Deposits		 136 -86 -75 -139 146 -232 -91 -30 2.29 144 -8.76
Issuance of Debt		 - - 2.67 87 -207 120 -1.06 99 94 -16 167
Repayment of Debt		 -63 -34 0.00 -2.67 - - -10 27 -61 -30 -20
Payment of Dividends		 -2.91 -2.89 -2.89 -2.89 -6.15 -6.15 -6.16 -6.16 -6.16 -6.16 -6.25
Other Financing Activities, Net		 - - - - - - 0.00 - - - -0.37
Cash Interest Paid		 17 19 20 19 28 29 23 24 21 25 21
Cash Income Taxes Paid		 1.35 0.39 0.02 0.48 0.65 0.70 0.02 3.66 2.75 1.14 0.02

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 1,819 1,999 2,169 2,289 2,475 2,884 3,369 3,554 3,742 5,092 5,271
Cash and Due from Banks		 28 39 36 33 27 29 30 38 34 47 58
Federal Funds Sold		 - - - - 0.00 183 242 0.00 145 80 201
Interest Bearing Deposits at Other Banks		 4.70 0.45 1.15 0.05 4.21 16 7.09 0.19 9.14 8.59 9.32
Trading Account Securities		 297 270 282 278 339 303 589 569 0.35 2.43 3.40
Loans and Leases, Net of Allowance		 1,328 1,517 1,674 1,802 1,916 2,151 2,301 2,703 3,227 3,952 4,540
Loans and Leases		 1,341 1,533 1,693 1,823 1,938 2,178 2,329 2,730 3,249 3,994 4,579
Allowance for Loan and Lease Losses		 13 16 19 21 23 27 28 27 22 42 39
Premises and Equipment, Net		 28 33 38 39 48 47 52 56 61 73 78
Goodwill		 63 63 63 63 63 63 63 63 63 76 76
Intangible Assets		 5.40 4.21 3.18 2.30 1.57 0.96 0.47 0.11 0.00 34 28
Other Assets		 64 72 71 71 76 90 84 125 203 818 276
Total Liabilities & Shareholders' Equity		 1,819 1,999 2,169 2,289 2,475 2,884 3,369 3,554 3,742 5,092 5,271
Total Liabilities		 1,570 1,743 1,904 2,010 2,176 2,567 3,029 3,238 3,402 4,623 4,751
Non-Interest Bearing Deposits		 321 354 381 410 463 622 738 773 645 936 954
Interest Bearing Deposits		 1,135 1,235 1,338 1,465 1,508 1,815 2,226 2,274 2,634 3,472 3,480
Short-Term Debt		 38 83 124 87 152 50 0.00 115 18 16 33
Accrued Interest Payable		 0.56 0.46 0.50 1.20 1.28 0.74 0.41 0.90 5.77 5.50 6.79
Long-Term Debt		 60 58 50 38 33 48 36 34 58 140 226
Other Long-Term Liabilities		 15 13 11 9.76 19 31 30 42 41 54 51
Total Equity & Noncontrolling Interests		 249 257 265 279 299 317 340 315 340 469 520
Total Preferred & Common Equity		 249 257 265 279 299 317 340 315 340 469 520
Total Common Equity		 249 257 265 279 299 317 340 315 340 469 520
Common Stock		 150 150 150 150 150 144 142 141 136 271 271
Retained Earnings		 101 111 121 137 152 171 204 231 249 239 274
Accumulated Other Comprehensive Income / (Loss)		 -2.13 -4.16 -6.21 -8.08 -3.21 2.15 -5.51 -56 -44 -41 -25

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 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026
Total Assets		 3,517 3,678 3,682 3,826 3,669 3,616 5,360 4,999 5,108 5,160 5,423
Cash and Due from Banks		 35 31 38 39 32 41 97 60 60 62 59
Federal Funds Sold		 70 102 93 206 70 0.00 178 7.78 106 108 261
Interest Bearing Deposits at Other Banks		 8.41 7.13 5.81 9.55 8.26 8.72 10 9.20 9.65 9.49 7.94
Trading Account Securities		 570 508 484 469 0.39 0.08 4.72 506 3.04 538 4.24
Loans and Leases, Net of Allowance		 2,594 5,611 2,820 2,848 3,230 3,232 4,030 3,950 4,462 3,977 4,151
Loans and Leases		 2,624 5,636 2,843 2,871 3,253 3,255 4,070 3,992 4,503 4,016 4,190
Allowance for Loan and Lease Losses		 30 25 23 23 23 23 39 41 41 40 40
Premises and Equipment, Net		 54 57 58 62 59 59 76 72 77 77 79
Goodwill		 63 63 63 63 63 63 77 76 76 76 76
Intangible Assets		 0.18 0.08 0.05 0.02 - - 36 32 31 29 26
Other Assets		 121 2,910 120 129 206 212 851 285 284 283 759
Total Liabilities & Shareholders' Equity		 3,517 3,678 3,682 3,826 3,669 3,616 5,360 4,999 5,108 5,160 5,423
Total Liabilities		 3,215 3,350 3,350 3,501 3,329 3,275 4,885 4,518 4,614 4,650 4,898
Non-Interest Bearing Deposits		 770 746 713 691 623 621 718 901 900 912 969
Interest Bearing Deposits		 2,354 2,490 2,516 2,674 2,581 2,444 3,920 3,416 3,388 3,378 3,456
Short-Term Debt		 15 17 20 27 20 104 37 15 76 76 179
Accrued Interest Payable		 1.13 2.30 4.70 4.78 5.33 5.51 6.83 5.44 4.64 7.98 7.89
Long-Term Debt		 34 58 58 58 58 58 153 129 195 228 226
Other Long-Term Liabilities		 41 36 38 47 42 43 51 51 51 48 59
Total Equity & Noncontrolling Interests		 302 329 332 324 340 341 475 482 494 509 526
Total Preferred & Common Equity		 302 329 332 324 340 341 475 482 494 509 526
Total Common Equity		 302 329 332 324 340 341 475 482 494 509 526
Common Stock		 141 141 140 136 136 137 271 271 270 271 271
Retained Earnings		 224 238 244 248 249 250 239 248 259 268 282
Accumulated Other Comprehensive Income / (Loss)		 -64 -49 -52 -59 -45 -45 -35 -36 -35 -29 -28

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
DEI Shares Outstanding		 7,426,282.00 7,394,143.00 7,396,505.00 7,399,054.00 7,388,480.00 7,222,842.00 7,172,722.00 - - - 9,994,595.00
DEI Adjusted Shares Outstanding		 7,426,282.00 7,394,143.00 7,396,505.00 7,399,054.00 7,388,480.00 7,222,842.00 7,172,722.00 - - - 9,994,595.00
DEI Earnings Per Adjusted Shares Outstanding		 2.39 2.65 2.50 3.37 3.48 4.06 6.07 - - - 5.92
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 0.22% -1.28% 15.24% 2.74% 6.63% 6.41% 14.34% -2.43% -6.23% 33.14% 39.73%
EBITDA Growth		 -34.34% 29.15% 27.91% 2.90% -0.14% 6.79% 59.91% -12.29% -25.58% -58.53% 422.21%
EBIT Growth		 -3.74% -15.66% 41.99% 6.28% 2.05% 18.29% 56.60% -15.23% -28.36% -73.95% 753.02%
NOPAT Growth		 0.42% 10.49% -5.75% 35.02% 3.27% 14.06% 48.26% -12.48% -28.12% -68.96% 596.48%
Net Income Growth		 0.42% 10.49% -5.75% 35.02% 3.27% 14.06% 48.26% -12.48% -28.12% -68.96% 596.48%
EPS Growth		 0.85% 12.29% -5.66% 34.80% 2.97% 15.27% 50.50% -12.29% -27.46% -74.15% 493.94%
Operating Cash Flow Growth		 20.58% -3.86% 1.92% 14.10% 13.65% 0.27% 9.66% 3.89% -21.50% 2.02% 56.30%
Free Cash Flow Firm Growth		 -291.93% -0.58% 26.12% 368.22% -191.46% 278.83% -16.50% -160.62% 250.68% -365.97% 52.74%
Invested Capital Growth		 16.02% 14.39% 10.30% -8.07% 20.07% -14.31% -9.36% 23.41% -10.31% 50.12% 24.61%
Revenue Q/Q Growth		 0.80% -5.99% 8.49% 9.65% -4.86% 1.50% 12.59% -9.46% -2.03% 18.15% 1.39%
EBITDA Q/Q Growth		 -39.90% 24.06% 23.87% 20.33% -16.68% 6.70% 39.51% -21.67% -16.66% 25.28% 18.44%
EBIT Q/Q Growth		 -4.57% -19.31% 32.27% 31.09% -21.38% 13.31% 25.46% -17.36% -16.90% 23.26% 14.06%
NOPAT Q/Q Growth		 -2.98% 4.76% -10.13% 17.68% -5.02% 12.03% 23.32% -16.04% -16.75% 40.67% 11.05%
Net Income Q/Q Growth		 -2.98% 4.76% -10.13% 17.68% -5.02% 12.03% 23.32% -16.04% -16.75% 40.67% 11.05%
EPS Q/Q Growth		 -2.48% 4.74% -9.75% 17.01% -4.93% 12.36% 23.61% -15.92% -16.38% -4.81% 14.17%
Operating Cash Flow Q/Q Growth		 3.17% -9.25% -5.04% 7.92% 4.30% 177.73% -31.17% -6.60% -8.75% -14.22% 19.96%
Free Cash Flow Firm Q/Q Growth		 -257.25% 47.90% -199.60% 632.98% -155.52% 334.68% -6.67% -185.00% 390.28% 19.82% 1.14%
Invested Capital Q/Q Growth		 10.89% 1.80% 12.87% -4.24% 38.78% -0.54% 3.26% 32.29% 1.61% -6.07% -4.37%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 27.71% 36.26% 40.24% 40.30% 37.74% 37.88% 52.97% 47.62% 37.79% 11.77% 43.99%
EBIT Margin		 30.59% 26.13% 32.20% 33.31% 31.88% 35.44% 48.53% 42.16% 32.22% 6.30% 38.49%
Profit (Net Income) Margin		 24.37% 27.28% 22.31% 29.32% 28.40% 30.44% 39.47% 35.40% 27.14% 6.33% 31.53%
Tax Burden Percent		 79.68% 79.63% 69.29% 88.02% 89.08% 85.89% 81.32% 83.96% 84.24% 100.35% 81.94%
Interest Burden Percent		 100.00% 131.08% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 20.32% 20.37% 30.71% 11.98% 10.92% 14.11% 18.68% 16.04% 15.76% -0.35% 18.06%
Return on Invested Capital (ROIC)		 5.48% 5.26% 4.42% 5.92% 5.80% 6.53% 11.01% 9.07% 6.22% 1.63% 8.44%
ROIC Less NNEP Spread (ROIC-NNEP)		 5.48% 5.26% 4.42% 5.92% 5.80% 6.53% 11.01% 9.07% 6.22% 1.63% 8.44%
Return on Net Nonoperating Assets (RNNOA)		 1.67% 2.49% 2.66% 3.25% 3.11% 3.00% 2.24% 2.55% 2.13% 0.47% 3.53%
Return on Equity (ROE)		 7.15% 7.75% 7.08% 9.17% 8.91% 9.53% 13.25% 11.62% 8.35% 2.10% 11.97%
Cash Return on Invested Capital (CROIC)		 -9.35% -8.17% -5.38% 14.33% -12.43% 21.95% 20.83% -11.89% 17.09% -38.44% -13.48%
Operating Return on Assets (OROA)		 1.25% 0.98% 1.28% 1.27% 1.21% 1.28% 1.71% 1.31% 0.89% 0.19% 1.39%
Return on Assets (ROA)		 1.00% 1.03% 0.89% 1.12% 1.08% 1.10% 1.39% 1.10% 0.75% 0.19% 1.14%
Return on Common Equity (ROCE)		 7.15% 7.75% 7.08% 9.17% 8.91% 9.53% 13.25% 11.62% 8.35% 2.10% 11.97%
Return on Equity Simple (ROE_SIMPLE)		 7.12% 7.63% 6.97% 8.94% 8.61% 9.26% 12.80% 12.08% 8.04% 1.81% 11.39%
Net Operating Profit after Tax (NOPAT)		 18 20 18 25 26 29 44 38 27 8.50 59
NOPAT Margin		 24.37% 27.28% 22.31% 29.32% 28.40% 30.44% 39.47% 35.40% 27.14% 6.33% 31.53%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 42.13% 44.37% 44.29% 46.24% 47.76% 44.56% 38.62% 46.59% 51.97% 50.65% 44.64%
Operating Expenses to Revenue		 64.32% 66.90% 62.00% 61.75% 61.39% 56.89% 49.88% 58.25% 67.22% 79.45% 61.46%
Earnings before Interest and Taxes (EBIT)		 22 19 27 28 29 34 54 45 33 8.47 72
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 20 26 33 34 34 37 58 51 38 16 83
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.86 1.10 1.05 0.97 1.06 0.74 1.02 1.07 0.95 1.08 0.93
Price to Tangible Book Value (P/TBV)		 1.19 1.49 1.40 1.27 1.36 0.93 1.25 1.34 1.17 1.41 1.16
Price to Revenue (P/Rev)		 2.94 3.92 3.35 3.18 3.50 2.44 3.14 3.14 3.21 3.76 2.57
Price to Earnings (P/E)		 12.07 20.45 15.01 10.83 12.34 8.01 7.95 8.87 11.83 59.43 8.13
Dividend Yield		 4.30% 3.26% 3.36% 3.59% 3.19% 4.42% 3.11% 3.35% 3.57% 4.07% 5.13%
Earnings Yield		 8.29% 4.89% 6.66% 9.23% 8.10% 12.49% 12.58% 11.28% 8.46% 1.68% 12.29%
Enterprise Value to Invested Capital (EV/IC)		 0.80 0.96 0.94 0.90 0.97 0.25 0.27 0.97 0.51 0.84 0.61
Enterprise Value to Revenue (EV/Rev)		 3.85 5.32 4.99 4.26 5.20 1.08 0.92 4.17 2.10 3.91 2.51
Enterprise Value to EBITDA (EV/EBITDA)		 13.88 14.68 12.40 10.56 13.78 2.86 1.74 8.75 5.56 33.19 5.70
Enterprise Value to EBIT (EV/EBIT)		 12.57 20.37 15.50 12.78 16.31 3.06 1.90 9.88 6.52 61.97 6.52
Enterprise Value to NOPAT (EV/NOPAT)		 15.78 19.51 22.38 14.52 18.32 3.56 2.34 11.77 7.74 61.75 7.96
Enterprise Value to Operating Cash Flow (EV/OCF)		 9.58 13.62 14.44 11.09 12.71 2.81 2.49 10.59 6.38 15.47 8.68
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 6.00 0.00 1.06 1.24 0.00 2.82 0.00 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.40 0.55 0.65 0.45 0.62 0.31 0.11 0.47 0.22 0.33 0.50
Long-Term Debt to Equity		 0.24 0.23 0.19 0.14 0.11 0.15 0.11 0.11 0.17 0.30 0.43
Financial Leverage		 0.31 0.47 0.60 0.55 0.54 0.46 0.20 0.28 0.34 0.29 0.42
Leverage Ratio		 7.19 7.56 7.99 8.20 8.25 8.70 9.52 10.56 11.13 10.91 10.48
Compound Leverage Factor		 7.19 9.90 7.99 8.20 8.25 8.70 9.52 10.56 11.13 10.91 10.48
Debt to Total Capital		 28.40% 35.43% 39.56% 30.87% 38.21% 23.58% 9.50% 32.01% 18.17% 24.91% 33.20%
Short-Term Debt to Total Capital		 11.03% 20.81% 28.21% 21.46% 31.44% 12.06% 0.00% 24.78% 4.23% 2.55% 4.20%
Long-Term Debt to Total Capital		 17.37% 14.63% 11.34% 9.41% 6.76% 11.52% 9.50% 7.23% 13.94% 22.37% 29.00%
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% 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% 0.00%
Common Equity to Total Capital		 71.60% 64.57% 60.44% 69.13% 61.79% 76.42% 90.50% 67.99% 81.83% 75.09% 66.80%
Debt to EBITDA		 4.90 5.41 5.21 3.63 5.40 2.68 0.61 2.90 1.98 9.84 3.13
Net Debt to EBITDA		 3.26 3.88 4.08 2.68 4.49 -3.57 -4.18 2.16 -2.93 1.25 -0.13
Long-Term Debt to EBITDA		 2.99 2.23 1.49 1.11 0.96 1.31 0.61 0.65 1.52 8.83 2.73
Debt to NOPAT		 5.57 7.19 9.40 4.99 7.18 3.33 0.82 3.90 2.76 18.31 4.37
Net Debt to NOPAT		 3.71 5.15 7.36 3.68 5.97 -4.44 -5.61 2.90 -4.08 2.32 -0.18
Long-Term Debt to NOPAT		 3.41 2.97 2.69 1.52 1.27 1.63 0.82 0.88 2.12 16.44 3.81
Noncontrolling Interest Sharing Ratio		 0.00% 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)		 -30 -30 -22 60 -55 99 82 -50 75 -200 -95
Operating Cash Flow to CapEx		 662.26% 414.74% 457.71% 890.20% 661.77% 2,002.15% 844.64% 552.89% 562.54% 4,417.06% 1,532.33%
Free Cash Flow to Firm to Interest Expense		 -5.01 -21.42 -2.58 4.53 -3.09 6.88 8.74 -3.20 1.19 -2.10 -1.01
Operating Cash Flow to Interest Expense		 4.83 19.76 3.29 2.45 2.08 2.60 4.33 2.72 0.53 0.36 0.58
Operating Cash Flow Less CapEx to Interest Expense		 4.10 14.99 2.57 2.17 1.76 2.47 3.81 2.23 0.43 0.35 0.54
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.03 0.03 0.03 0.04
Fixed Asset Turnover		 2.71 2.34 2.34 2.22 2.09 2.03 2.24 2.01 1.73 2.00 2.47
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 347 397 438 403 484 415 376 464 416 625 778
Invested Capital Turnover		 0.22 0.19 0.20 0.20 0.20 0.21 0.28 0.26 0.23 0.26 0.27
Increase / (Decrease) in Invested Capital		 48 50 41 -35 81 -69 -39 88 -48 209 154
Enterprise Value (EV)		 280 382 413 362 471 105 102 448 212 525 471
Market Capitalization		 214 281 277 270 318 235 346 338 324 505 481
Book Value per Share		 $33.50 $34.71 $35.82 $37.66 $40.47 $43.87 $47.42 $44.04 $48.35 $46.92 $52.01
Tangible Book Value per Share		 $24.24 $25.57 $26.83 $28.78 $31.68 $34.97 $38.52 $35.18 $39.35 $35.90 $41.64
Total Capital		 347 397 438 403 484 415 376 464 416 625 778
Total Debt		 99 141 173 124 185 98 36 148 76 156 258
Total Long-Term Debt		 60 58 50 38 33 48 36 34 58 140 226
Net Debt		 66 101 136 92 154 -130 -244 111 -112 20 -11
Capital Expenditures (CapEx)		 4.41 6.76 6.25 3.67 5.60 1.86 4.83 7.66 5.91 0.77 3.54
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 99 141 173 124 185 98 36 148 76 156 258
Total Depreciation and Amortization (D&A)		 -2.09 7.27 6.66 5.95 5.32 2.35 4.90 5.87 5.63 7.34 10
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $2.36 $2.65 $2.50 $3.37 $3.48 $4.02 $6.05 $5.31 $3.85 $1.00 $5.92
Adjusted Weighted Average Basic Shares Outstanding		 7.52M 7.40M 7.40M 7.40M 7.40M 7.30M 7.20M 7.17M 7.11M 8.53M 9.99M
Adjusted Diluted Earnings per Share		 $2.36 $2.65 $2.50 $3.37 $3.48 $4.00 $6.02 $5.28 $3.83 $0.99 $5.88
Adjusted Weighted Average Diluted Shares Outstanding		 7.52M 7.40M 7.40M 7.40M 7.40M 7.34M 7.24M 7.21M 7.15M 8.59M 10.07M
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 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 7.40M 7.39M 7.40M 7.40M 7.39M 7.20M 7.17M 7.16M 7.06M 9.99M 10.00M
Normalized Net Operating Profit after Tax (NOPAT)		 18 20 18 25 26 29 44 38 29 17 59
Normalized NOPAT Margin		 24.37% 27.28% 22.31% 29.32% 28.40% 30.44% 39.47% 35.40% 28.66% 12.86% 31.64%
Pre Tax Income Margin		 30.59% 34.25% 32.20% 33.31% 31.88% 35.44% 48.53% 42.16% 32.22% 6.30% 38.49%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 3.68 13.21 3.06 2.13 1.62 2.39 5.68 2.91 0.52 0.09 0.77
NOPAT to Interest Expense		 2.94 13.79 2.12 1.87 1.44 2.05 4.62 2.44 0.43 0.09 0.63
EBIT Less CapEx to Interest Expense		 2.95 8.45 2.34 1.85 1.30 2.26 5.17 2.42 0.42 0.08 0.73
NOPAT Less CapEx to Interest Expense		 2.21 9.03 1.40 1.60 1.13 1.92 4.11 1.95 0.34 0.08 0.59
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 0.00% 46.83% 50.49% 38.90% 39.37% 35.83% 24.80% 29.73% 42.58% 212.91% 41.63%
Augmented Payout Ratio		 0.00% 49.91% 50.49% 38.90% 41.83% 59.31% 30.22% 33.02% 64.08% 212.91% 41.63%

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 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 - - - - - - 9,993,803.00 9,995,482.00 9,994,696.00 9,994,595.00 9,999,049.00
DEI Adjusted Shares Outstanding		 - - - - - - 9,993,803.00 9,995,482.00 9,994,696.00 9,994,595.00 9,999,049.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - 1.50 1.70 1.53 1.20 1.47
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -11.82% -8.14% -14.96% -12.44% 80.09% 87.59% 101.68% 115.59% 3.83% 5.83% 8.65%
EBITDA Growth		 -25.43% -52.29% -49.95% -61.02% -130.16% 56.20% 306.15% 364.23% 2,678.58% 192.59% 2.92%
EBIT Growth		 -32.26% -61.05% -56.02% -67.04% -161.80% 37.89% 362.75% 451.47% 477.33% 153.10% 1.45%
NOPAT Growth		 -32.32% -60.28% -54.27% -65.18% -151.82% 67.69% 333.04% 416.64% 536.12% 96.75% -1.75%
Net Income Growth		 -32.32% -60.28% -54.27% -65.18% -164.29% 67.69% 333.04% 416.64% 451.53% 96.75% -1.75%
EPS Growth		 -31.16% -59.06% -53.33% -64.89% -145.26% -9.62% 204.08% 265.22% 451.16% 155.32% -1.34%
Operating Cash Flow Growth		 -41.28% -26.27% -29.08% -86.64% 280.09% -62.87% 181.18% 698.91% -30.50% 104.64% -8.54%
Free Cash Flow Firm Growth		 -323.19% 165.25% 73.28% -219.30% -397.57% -493.42% -1,674.27% -170.98% 48.38% 29.98% -50.40%
Invested Capital Growth		 16.77% -10.31% 3.55% 22.90% 62.40% 50.12% 49.71% 52.10% 22.40% 24.61% 48.69%
Revenue Q/Q Growth		 -2.65% -5.68% -3.53% -1.16% 100.23% -1.74% 3.67% 5.76% -3.63% 0.16% 6.43%
EBITDA Q/Q Growth		 -20.59% -42.53% -21.20% -4.47% -161.45% 397.62% 208.75% 11.54% -9.60% -3.99% 8.60%
EBIT Q/Q Growth		 -28.07% -47.82% -6.47% -6.11% -234.86% 216.44% 213.86% 11.89% -7.72% -21.90% 25.80%
NOPAT Q/Q Growth		 -28.42% -46.19% -4.52% -5.31% -206.51% 274.12% 146.57% 12.97% -10.08% -21.45% 23.14%
Net Income Q/Q Growth		 -28.42% -46.19% -4.52% -5.31% -232.15% 240.35% 146.57% 12.97% -10.08% -21.45% 23.14%
EPS Q/Q Growth		 -27.48% -45.26% -5.77% -6.12% -193.48% 209.30% 217.02% 12.75% -10.12% -20.53% 22.50%
Operating Cash Flow Q/Q Growth		 -48.17% 32.62% -63.94% -46.09% 1,374.24% -87.05% 15.35% 53.16% 9.54% 5.75% -48.45%
Free Cash Flow Firm Q/Q Growth		 -168.65% 198.85% -121.13% -732.03% -186.31% 21.84% 4.71% -27.07% 45.47% -6.04% -104.68%
Invested Capital Q/Q Growth		 0.02% 1.61% 0.54% 20.28% 32.17% -6.07% 0.26% 22.20% 6.36% -4.37% 19.63%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 39.55% 24.10% 22.34% 21.59% -6.63% 20.07% 45.00% 46.46% 43.58% 41.78% 42.63%
EBIT Margin		 32.36% 17.91% 17.36% 16.49% -11.11% 13.16% 39.85% 42.15% 40.37% 31.48% 37.20%
Profit (Net Income) Margin		 27.02% 15.41% 15.26% 14.61% -9.65% 13.78% 32.77% 35.00% 32.66% 25.61% 29.63%
Tax Burden Percent		 83.48% 86.08% 87.88% 88.63% 86.84% 104.68% 82.24% 83.03% 80.91% 81.37% 79.65%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 16.52% 13.92% 12.12% 11.37% 0.00% -4.68% 17.76% 16.97% 19.09% 18.63% 20.35%
Return on Invested Capital (ROIC)		 7.32% 3.53% 3.60% 3.00% -1.65% 3.56% 9.88% 10.12% 8.18% 6.85% 7.29%
ROIC Less NNEP Spread (ROIC-NNEP)		 7.32% 3.53% 3.60% 3.00% -2.26% 3.56% 9.88% 10.12% 8.18% 6.85% 7.29%
Return on Net Nonoperating Assets (RNNOA)		 1.56% 1.21% 0.83% 1.07% -0.78% 1.02% 2.68% 5.25% 4.11% 2.87% 3.98%
Return on Equity (ROE)		 8.89% 4.74% 4.42% 4.07% -2.42% 4.57% 12.55% 15.38% 12.28% 9.72% 11.28%
Cash Return on Invested Capital (CROIC)		 -6.82% 17.09% 2.17% -16.79% -46.44% -38.44% -35.98% -36.01% -12.93% -13.48% -31.59%
Operating Return on Assets (OROA)		 0.91% 0.50% 0.46% 0.42% -0.27% 0.40% 1.45% 1.77% 1.42% 1.14% 1.37%
Return on Assets (ROA)		 0.76% 0.43% 0.40% 0.38% -0.24% 0.42% 1.19% 1.47% 1.15% 0.93% 1.09%
Return on Common Equity (ROCE)		 8.89% 4.74% 4.42% 4.07% -2.42% 4.57% 12.55% 15.38% 12.28% 9.72% 11.28%
Return on Equity Simple (ROE_SIMPLE)		 10.14% 0.00% 6.84% 5.02% 1.27% 0.00% 4.16% 6.82% 10.47% 0.00% 11.21%
Net Operating Profit after Tax (NOPAT)		 6.75 3.63 3.47 3.28 -3.50 6.09 15 17 15 12 15
NOPAT Margin		 27.02% 15.41% 15.26% 14.61% -7.77% 13.78% 32.77% 35.00% 32.66% 25.61% 29.63%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.61% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 52.39% 56.93% 59.70% 58.00% 43.60% 49.45% 45.74% 43.59% 48.10% 47.70% 47.21%
Operating Expenses to Revenue		 68.30% 75.01% 79.52% 80.86% 78.95% 79.21% 59.72% 58.34% 61.43% 66.44% 60.01%
Earnings before Interest and Taxes (EBIT)		 8.08 4.22 3.94 3.70 -4.99 5.82 18 20 19 15 19
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 9.88 5.68 5.08 4.85 -2.98 8.87 21 23 20 20 21
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.84 0.95 0.89 0.94 0.98 1.08 0.88 1.00 0.95 0.93 1.01
Price to Tangible Book Value (P/TBV)		 1.04 1.17 1.09 1.16 1.29 1.41 1.13 1.27 1.20 1.16 1.26
Price to Revenue (P/Rev)		 2.65 3.21 3.11 3.43 4.11 3.76 2.69 2.69 2.62 2.57 2.78
Price to Earnings (P/E)		 8.28 11.83 12.94 18.77 77.42 59.43 21.14 14.64 9.12 8.13 9.05
Dividend Yield		 4.25% 3.57% 3.84% 3.60% 3.94% 4.07% 5.34% 5.00% 5.08% 5.13% 4.65%
Earnings Yield		 12.08% 8.46% 7.73% 5.33% 1.29% 1.68% 4.73% 6.83% 10.97% 12.29% 11.05%
Enterprise Value to Invested Capital (EV/IC)		 0.25 0.51 0.64 0.86 0.56 0.84 0.78 0.77 0.75 0.61 0.66
Enterprise Value to Revenue (EV/Rev)		 1.00 2.10 2.78 4.63 3.27 3.91 3.12 3.21 3.30 2.51 3.18
Enterprise Value to EBITDA (EV/EBITDA)		 2.25 5.56 8.15 17.02 29.48 33.19 15.66 12.12 8.76 5.70 7.34
Enterprise Value to EBIT (EV/EBIT)		 2.63 6.52 9.81 21.74 54.16 61.97 21.55 14.91 9.64 6.52 8.42
Enterprise Value to NOPAT (EV/NOPAT)		 3.13 7.74 11.58 25.33 61.59 61.75 24.49 17.46 11.45 7.96 10.35
Enterprise Value to Operating Cash Flow (EV/OCF)		 2.82 6.38 8.44 21.00 9.41 15.47 12.10 11.34 13.49 8.68 11.40
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 2.82 30.17 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.26 0.22 0.23 0.48 0.40 0.33 0.30 0.55 0.60 0.50 0.77
Long-Term Debt to Equity		 0.18 0.17 0.17 0.17 0.32 0.30 0.27 0.39 0.45 0.43 0.43
Financial Leverage		 0.21 0.34 0.23 0.36 0.34 0.29 0.27 0.52 0.50 0.42 0.55
Leverage Ratio		 11.73 11.13 10.99 10.85 11.49 10.91 10.55 10.45 10.69 10.48 10.35
Compound Leverage Factor		 11.73 11.13 10.99 10.85 11.49 10.91 10.55 10.45 10.69 10.48 10.35
Debt to Total Capital		 20.77% 18.17% 18.71% 32.25% 28.55% 24.91% 23.05% 35.42% 37.42% 33.20% 43.56%
Short-Term Debt to Total Capital		 6.60% 4.23% 4.84% 20.72% 5.62% 2.55% 2.37% 9.98% 9.38% 4.20% 19.26%
Long-Term Debt to Total Capital		 14.17% 13.94% 13.87% 11.53% 22.94% 22.37% 20.68% 25.45% 28.05% 29.00% 24.30%
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% 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% 0.00%
Common Equity to Total Capital		 79.23% 81.83% 81.29% 67.75% 71.45% 75.09% 76.95% 64.58% 62.58% 66.80% 56.44%
Debt to EBITDA		 1.86 1.98 2.37 6.37 15.04 9.84 4.60 5.58 4.37 3.13 4.88
Net Debt to EBITDA		 -3.71 -2.93 -0.96 4.41 -7.58 1.25 2.14 1.96 1.79 -0.13 0.92
Long-Term Debt to EBITDA		 1.27 1.52 1.75 2.28 12.08 8.83 4.13 4.01 3.27 2.73 2.72
Debt to NOPAT		 2.59 2.76 3.36 9.48 31.43 18.31 7.20 8.04 5.71 4.37 6.88
Net Debt to NOPAT		 -5.15 -4.08 -1.36 6.56 -15.83 2.32 3.35 2.83 2.34 -0.18 1.31
Long-Term Debt to NOPAT		 1.76 2.12 2.49 3.39 25.24 16.44 6.46 5.77 4.28 3.81 3.84
Noncontrolling Interest Sharing Ratio		 0.00% 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)		 -52 51 -11 -90 -259 -202 -193 -245 -134 -142 -290
Operating Cash Flow to CapEx		 552.42% 3,923.25% 1,493.52% 491.24% 609.97% 0.00% 0.00% 257.71% 703.89% 0.00% 458.09%
Free Cash Flow to Firm to Interest Expense		 -2.98 2.61 -0.55 -4.65 -8.92 -7.42 -8.43 -10.59 -5.57 -5.97 -13.29
Operating Cash Flow to Interest Expense		 0.39 0.45 0.16 0.09 0.88 0.12 0.40 0.60 0.63 0.68 0.38
Operating Cash Flow Less CapEx to Interest Expense		 0.32 0.44 0.15 0.07 0.74 0.27 0.54 0.37 0.54 0.71 0.30
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.03 0.03 0.03 0.03 0.02 0.03 0.04 0.04 0.04 0.04 0.04
Fixed Asset Turnover		 1.77 1.73 1.68 1.61 1.65 2.00 2.39 2.71 2.42 2.47 2.53
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 409 416 418 503 665 625 626 765 814 778 931
Invested Capital Turnover		 0.27 0.23 0.24 0.21 0.21 0.26 0.30 0.29 0.25 0.27 0.25
Increase / (Decrease) in Invested Capital		 59 -48 14 94 255 209 208 262 149 154 305
Enterprise Value (EV)		 103 212 269 434 372 525 491 589 610 471 610
Market Capitalization		 272 324 301 321 468 505 424 493 486 481 533
Book Value per Share		 $45.73 $48.35 $48.17 $48.29 $47.62 $46.92 $48.22 $49.43 $50.95 $52.01 $52.56
Tangible Book Value per Share		 $36.80 $39.35 $39.19 $39.31 $36.31 $35.90 $37.36 $38.75 $40.42 $41.64 $42.34
Total Capital		 409 416 418 503 665 625 626 765 814 778 931
Total Debt		 85 76 78 162 190 156 144 271 305 258 406
Total Long-Term Debt		 58 58 58 58 153 140 129 195 228 226 226
Net Debt		 -170 -112 -32 112 -96 20 67 95 125 -11 77
Capital Expenditures (CapEx)		 1.22 0.23 0.22 0.35 4.20 -4.01 -3.20 5.39 2.16 -0.81 1.81
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.84 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 85 76 78 162 190 156 144 271 305 258 406
Total Depreciation and Amortization (D&A)		 1.80 1.46 1.13 1.15 2.02 3.05 2.36 2.09 1.50 4.82 2.70
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.95 $0.52 $0.49 $0.47 ($0.43) $0.47 $1.50 $1.70 $1.53 $1.19 $1.47
Adjusted Weighted Average Basic Shares Outstanding		 7.09M 7.11M 7.05M 7.06M 9.99M 8.53M 9.99M 9.99M 9.99M 9.99M 10.00M
Adjusted Diluted Earnings per Share		 $0.95 $0.52 $0.49 $0.46 ($0.43) $0.47 $1.49 $1.68 $1.51 $1.20 $1.47
Adjusted Weighted Average Diluted Shares Outstanding		 7.12M 7.15M 7.10M 7.11M 10.04M 8.59M 10.04M 10.08M 10.09M 10.07M 10.03M
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 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 7.04M 7.06M 7.06M 9.98M 9.99M 9.99M 10.00M 9.99M 9.99M 10.00M 10.01M
Normalized Net Operating Profit after Tax (NOPAT)		 7.47 4.34 3.89 4.23 3.26 7.56 15 17 15 12 15
Normalized NOPAT Margin		 29.92% 18.43% 17.14% 18.84% 7.25% 17.12% 33.04% 35.11% 32.69% 25.61% 29.63%
Pre Tax Income Margin		 32.36% 17.91% 17.36% 16.49% -11.11% 13.16% 39.85% 42.15% 40.37% 31.48% 37.20%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.46 0.21 0.20 0.19 -0.17 0.21 0.80 0.88 0.79 0.62 0.85
NOPAT to Interest Expense		 0.39 0.18 0.18 0.17 -0.12 0.22 0.66 0.73 0.64 0.50 0.68
EBIT Less CapEx to Interest Expense		 0.39 0.20 0.19 0.17 -0.32 0.36 0.94 0.65 0.70 0.65 0.76
NOPAT Less CapEx to Interest Expense		 0.32 0.17 0.17 0.15 -0.27 0.37 0.80 0.50 0.55 0.54 0.59
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 35.37% 42.58% 49.92% 67.62% 245.44% 212.91% 106.57% 73.04% 46.22% 41.63% 41.97%
Augmented Payout Ratio		 53.81% 64.08% 71.67% 90.92% 246.27% 212.91% 106.57% 73.04% 46.22% 41.63% 41.97%

Financials Breakdown Chart

Key Financial Trends

Peoples Financial Services (NASDAQ: PFIS) delivered a solid start to 2026, with profitability improving year over year and operating cash flow remaining strong. However, the company’s recent results also show some pressure in non-interest income, ongoing balance sheet changes, and a meaningful increase in borrowings and investment-related cash activity.

  • Q1 2026 net income rose to $14.7 million, up from $11.98 million in Q4 2025 and $6.09 million in Q4 2024, showing a clear improvement in quarterly profitability.
  • Diluted EPS held at $1.47 in Q1 2026, compared with $1.20 in Q4 2025 and $0.47 in Q4 2024, reflecting stronger earnings power.
  • Operating cash flow stayed healthy at $8.3 million in Q1 2026, supporting earnings quality even after working-capital changes.
  • Pre-tax income increased to $18.5 million, indicating the core banking operation remained profitable despite higher expenses and provisions.
  • Equity improved to $525.5 million at March 31, 2026, up from $494.1 million at June 30, 2025, and well above the $340.8 million level from June 2024.
  • Total assets grew to $5.42 billion from $5.11 billion at Q2 2025, showing continued balance sheet expansion.
  • Net interest income was $42.9 million in Q1 2026, essentially in line with the recent run rate and still the main earnings driver.
  • Loan balances were lower sequentially, with loans and leases down to $4.19 billion from $4.50 billion in Q2 2025, which may reflect slower loan growth or a changed mix.
  • Non-interest income weakened sharply versus Q4 2025, falling to $6.9 million from $3.7 million in Q4 2025 after a much stronger quarter in investment gains and other items, highlighting volatility in fee and market-related income.
  • Other investing activities showed a large negative outflow of $120.8 million in Q1 2026, suggesting significant portfolio or balance-sheet repositioning that investors may want to monitor.

Looking at the longer trend, PFIS has moved from the volatility seen in 2024, when quarterly earnings swung sharply and one quarter posted a loss, to a more stable and profitable pattern in 2025 and early 2026. The company’s core spread business appears resilient, but profitability is still sensitive to deposit costs, investment activity, and non-interest income swings.

On the balance sheet, deposits declined modestly in Q1 2026 while debt issuance surged to $166.6 million, partially offset by $19.6 million of repayments. That mix helped drive a strong quarter of net cash generation, but it also points to more reliance on wholesale funding than in some earlier periods.

Bottom line: PFIS enters 2026 with improving earnings, solid operating cash flow, and a stronger equity base. The main things to watch are loan growth, deposit trends, and whether the company can reduce reliance on volatile investing activity to support future earnings.

07/15/26 12:36 PM ETAI Generated. May Contain Errors.

Peoples Financial Services Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Peoples Financial Services' financial year ends in December. Their financial year 2025 ended on December 31, 2025.

Peoples Financial Services' net income appears to be on an upward trend, with a most recent value of $59.19 million in 2025, rising from $17.72 million in 2015. The previous period was $8.50 million in 2024. Check out Peoples Financial Services' forecast to explore projected trends and price targets.

Over the last 10 years, Peoples Financial Services' total revenue changed from $72.72 million in 2015 to $187.69 million in 2025, a change of 158.1%.

Peoples Financial Services' total liabilities were at $4.75 billion at the end of 2025, a 2.8% increase from 2024, and a 202.5% increase since 2015.

In the past 10 years, Peoples Financial Services' cash and equivalents has ranged from $26.94 million in 2019 to $58.42 million in 2025, and is currently $58.42 million as of their latest financial filing in 2025.

Over the last 10 years, Peoples Financial Services' book value per share changed from 33.50 in 2015 to 52.01 in 2025, a change of 55.3%.


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Financial statements for NASDAQ:PFIS last updated on 7/2/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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