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Price (delayed)
$47.17
Market cap
$470.56M
P/E Ratio
19.41
Dividend/share
$1.85
EPS
$2.43
Enterprise value
$582.85M
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 2.7% year-on-year
The debt has soared by 109% YoY and by 107% from the previous quarter
The P/E is 87% above the 5-year quarterly average of 10.4 and 46% above the last 4 quarters average of 13.3
Key stats
What are the main financial stats of PFIS
Market
Valuations
Earnings
Shares outstanding
9.98M
Market cap
$470.56M
Enterprise value
$582.85M
Price to earnings (P/E)
19.41
Price to book (P/B)
0.98
Price to sales (P/S)
3.67
EV/EBIT
29.22
EV/EBITDA
24.81
EV/Sales
6.42
Revenue
$90.82M
EBIT
$19.95M
EBITDA
$23.5M
Free cash flow
$18.64M
Per share
Balance sheet
Liquidity
EPS
$2.43
Free cash flow per share
$2.64
Book value per share
$48.29
Revenue per share
$12.87
TBVPS
$503.41
Total assets
$3.62B
Total liabilities
$3.28B
Debt
$162.25M
Equity
$340.81M
Working capital
N/A
Debt to equity
0.48
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
4.78
Margins
Efficiency
Dividend
EBITDA margin
25.9%
Gross margin
100%
Net margin
18.9%
Operating margin
22%
Return on assets
0.5%
Return on equity
5.1%
Return on invested capital
0.6%
Return on capital employed
N/A
Return on sales
22%
Dividend yield
3.92%
DPS
$1.85
Payout ratio
76%
PFIS stock price
How has the Peoples Financial Services stock price performed over time
Intraday
-0.06%
1 week
-4.67%
1 month
0.9%
1 year
20.42%
YTD
-3.14%
QTD
0.62%
Financial performance
How have Peoples Financial Services's revenue and profit performed over time
Revenue
$90.82M
Gross profit
$90.82M
Operating income
$19.95M
Net income
$17.12M
Gross margin
100%
Net margin
18.9%
PFIS's operating income has dropped by 54% year-on-year and by 27% since the previous quarter
Peoples Financial Services's net income has shrunk by 53% YoY and by 26% QoQ
PFIS's operating margin is down by 44% year-on-year and by 23% since the previous quarter
The net margin has contracted by 43% YoY and by 21% from the previous quarter
Growth
What is Peoples Financial Services's growth rate over time
Valuation
What is Peoples Financial Services stock price valuation
P/E
19.41
P/B
0.98
P/S
3.67
EV/EBIT
29.22
EV/EBITDA
24.81
EV/Sales
6.42
The P/E is 87% above the 5-year quarterly average of 10.4 and 46% above the last 4 quarters average of 13.3
PFIS's EPS has dropped by 52% year-on-year and by 26% since the previous quarter
The stock's price to book (P/B) is 9% more than its last 4 quarters average of 0.9 but 2% less than its 5-year quarterly average of 1.0
PFIS's equity is up by 2.7% year-on-year
The revenue has contracted by 17% YoY and by 6% from the previous quarter
The stock's price to sales (P/S) is 15% more than its last 4 quarters average of 3.2 and 11% more than its 5-year quarterly average of 3.3
Efficiency
How efficient is Peoples Financial Services business performance
Peoples Financial Services's ROE has plunged by 55% YoY and by 27% from the previous quarter
The return on assets has dropped by 50% year-on-year and by 17% since the previous quarter
The ROIC has plunged by 50% YoY and by 25% from the previous quarter
PFIS's return on sales is down by 44% year-on-year and by 23% since the previous quarter
Dividends
What is PFIS's dividend history
DPS
$1.85
Dividend yield
3.92%
Payout ratio
76%
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
PFIS's total liabilities is down by 2.2% year-on-year
The debt is 52% less than the equity
The debt has soared by 109% YoY and by 107% from the previous quarter
The debt to equity has soared by 109% from the previous quarter and by 109% YoY
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.