PFIS Peoples Financial Services Corp
Price (delayed)
$41.54
Market cap
$415.14M
P/E Ratio
41.54
Dividend/share
$2.26
EPS
$1
Enterprise value
$434.87M
Peoples Financial Services Corp. is the parent company of Peoples Security Bank and Trust Company (the "Bank"), an independent community bank serving its retail and commercial customers through twenty-six full-service
Highlights
PFIS's equity is up by 38% year-on-year
The gross profit is up by 20% since the previous quarter and by 15% year-on-year
The debt has soared by 106% YoY but it has contracted by 18% from the previous quarter
Peoples Financial Services's net income has shrunk by 69% YoY but it has increased by 41% QoQ
The P/E is 195% above the 5-year quarterly average of 14.1 and 30% above the last 4 quarters average of 31.9
PFIS's EPS has dropped by 74% year-on-year and by 4.8% since the previous quarter
Key stats
What are the main financial stats of PFIS
Market
Valuations
Earnings
Shares outstanding
9.99M
Market cap
$415.14M
Enterprise value
$434.87M
Price to earnings (P/E)
41.54
Price to book (P/B)
0.89
Price to sales (P/S)
3.08
EV/EBIT
51.35
EV/EBITDA
25.53
EV/Sales
3.78
Revenue
$115.19M
Gross profit
$115.19M
Operating income
$8.47M
Net income
$8.5M
EBIT
$8.47M
EBITDA
$17.03M
Free cash flow
$33.16M
Per share
Balance sheet
Liquidity
EPS
$1
EPS diluted
$0.99
Free cash flow per share
$3.89
Book value per share
$46.92
Revenue per share
$13.5
TBVPS
$583.92
Total assets
$5.09B
Total liabilities
$4.62B
Debt
$155.58M
Equity
$468.95M
Working capital
N/A
Debt to equity
0.33
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
1.16
Margins
Efficiency
Dividend
EBITDA margin
14.8%
Gross margin
100%
Net margin
7.4%
Operating margin
7.4%
Return on assets
0.2%
Return on equity
2.1%
Return on invested capital
0.2%
Return on capital employed
N/A
Return on sales
7.4%
Dividend yield
5.45%
DPS
$2.26
Payout ratio
226.3%
PFIS stock price
How has the Peoples Financial Services stock price performed over time
Intraday
-2.47%
1 week
1.79%
1 month
-7.69%
1 year
9.06%
YTD
-18.84%
QTD
-6.59%
Financial performance
How have Peoples Financial Services's revenue and profit performed over time
Revenue
$115.19M
Gross profit
$115.19M
Operating income
$8.47M
Net income
$8.5M
Gross margin
100%
Net margin
7.4%
PFIS's operating margin has dropped by 77% year-on-year but it is up by 4.2% since the previous quarter
PFIS's operating income has dropped by 74% year-on-year but it is up by 23% since the previous quarter
The net margin has plunged by 73% YoY but it has grown by 17% from the previous quarter
Peoples Financial Services's net income has shrunk by 69% YoY but it has increased by 41% QoQ
Growth
What is Peoples Financial Services's growth rate over time
Valuation
What is Peoples Financial Services stock price valuation
P/E
41.54
P/B
0.89
P/S
3.08
EV/EBIT
51.35
EV/EBITDA
25.53
EV/Sales
3.78
The P/E is 195% above the 5-year quarterly average of 14.1 and 30% above the last 4 quarters average of 31.9
PFIS's EPS has dropped by 74% year-on-year and by 4.8% since the previous quarter
PFIS's equity is up by 38% year-on-year
The stock's price to book (P/B) is 11% less than its 5-year quarterly average of 1.0 and 11% less than its last 4 quarters average of 1.0
The revenue has grown by 20% from the previous quarter and by 15% YoY
The stock's price to sales (P/S) is 19% less than its last 4 quarters average of 3.8 and 7% less than its 5-year quarterly average of 3.3
Efficiency
How efficient is Peoples Financial Services business performance
The return on assets has surged by 100% since the previous quarter but it has dropped by 71% year-on-year
The ROIC has plunged by 78% YoY
PFIS's return on sales has dropped by 77% year-on-year but it is up by 4.2% since the previous quarter
Peoples Financial Services's ROE has plunged by 75% YoY but it has increased by 31% from the previous quarter
Dividends
What is PFIS's dividend history
DPS
$2.26
Dividend yield
5.45%
Payout ratio
226.3%
Recent dividends
Special dividends are included in TTM DPS and yield
Financial health
How did Peoples Financial Services financials performed over time
Peoples Financial Services's total assets is 10% higher than its total liabilities
Peoples Financial Services's total assets has increased by 36% YoY but it has decreased by 5% QoQ
PFIS's total liabilities is up by 36% year-on-year but it is down by 5% since the previous quarter
The debt is 67% less than the equity
The debt has soared by 106% YoY but it has contracted by 18% from the previous quarter
The debt to equity has soared by 50% YoY but it has contracted by 18% from the previous quarter
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.