PFIS Peoples Financial Services Corp

Price (delayed)

$48.05

Market cap

$344.65M

P/E Ratio

9.85

Dividend/share

$1.5

EPS

$4.88

Enterprise value

$20.3M

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
The debt has plunged by 65% YoY
PFIS's EPS is up by 37% year-on-year and by 2.5% since the previous quarter
The P/E is 27% below the 5-year quarterly average of 13.5 but 8% above the last 4 quarters average of 9.1

Key stats

What are the main financial stats of PFIS
Market
Shares outstanding
7.17M
Market cap
$344.65M
Enterprise value
$20.3M
Valuations
Price to earnings (P/E)
9.85
Price to book (P/B)
1.06
Price to sales (P/S)
3.57
EV/EBIT
0.48
EV/EBITDA
0.44
EV/Sales
0.21
Earnings
Revenue
$96.89M
EBIT
$42.44M
EBITDA
$46.39M
Free cash flow
$55.47M
Per share
EPS
$4.88
Free cash flow per share
$7.71
Book value per share
$45.5
Revenue per share
$13.46
TBVPS
$440.33
Balance sheet
Total assets
$3.23B
Total liabilities
$2.91B
Debt
$36.24M
Equity
$327.73M
Working capital
N/A
Liquidity
Debt to equity
0.11
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-6.99
Margins
EBITDA margin
47.9%
Gross margin
100%
Net margin
36.4%
Operating margin
43.8%
Efficiency
Return on assets
1.2%
Return on equity
11%
Return on invested capital
1.5%
Return on capital employed
N/A
Return on sales
43.8%
Dividend
Dividend yield
3.12%
DPS
$1.5
Payout ratio
30.7%

PFIS stock price

How has the Peoples Financial Services stock price performed over time
Intraday
1.39%
1 week
-3.8%
1 month
2.08%
1 year
23.49%
YTD
30.71%
QTD
5.44%

Financial performance

How have Peoples Financial Services's revenue and profit performed over time
Revenue
$96.89M
Gross profit
$96.89M
Operating income
$42.44M
Net income
$35.29M
Gross margin
100%
Net margin
36.4%
PFIS's operating income is up by 41% year-on-year and by 2.2% since the previous quarter
Peoples Financial Services's net income has increased by 35% YoY and by 2.3% QoQ
PFIS's operating margin is up by 23% year-on-year
The net margin has grown by 18% YoY

Growth

What is Peoples Financial Services's growth rate over time

Valuation

What is Peoples Financial Services stock price valuation
P/E
9.85
P/B
1.06
P/S
3.57
EV/EBIT
0.48
EV/EBITDA
0.44
EV/Sales
0.21
PFIS's EPS is up by 37% year-on-year and by 2.5% since the previous quarter
The P/E is 27% below the 5-year quarterly average of 13.5 but 8% above the last 4 quarters average of 9.1
The stock's price to book (P/B) is 18% more than its last 4 quarters average of 0.9 but 3.6% less than its 5-year quarterly average of 1.1
PFIS's equity is up by 4.5% year-on-year
The revenue has grown by 14% YoY
The stock's price to sales (P/S) is 12% more than its last 4 quarters average of 3.2 but 8% less than its 5-year quarterly average of 3.9

Efficiency

How efficient is Peoples Financial Services business performance
The ROIC has grown by 36% YoY
Peoples Financial Services's ROE has increased by 29% YoY
PFIS's return on sales is up by 23% year-on-year
The return on assets is up by 20% year-on-year

Dividends

What is PFIS's dividend history
DPS
$1.5
Dividend yield
3.12%
Payout ratio
30.7%
Recent dividends

Financial health

How did Peoples Financial Services financials performed over time
Peoples Financial Services's total assets is 11% higher than its total liabilities
PFIS's total liabilities is up by 17% year-on-year and by 9% since the previous quarter
Peoples Financial Services's total assets has increased by 15% YoY and by 8% QoQ
The debt is 89% less than the equity
The debt to equity has plunged by 67% YoY
The debt has plunged by 65% YoY

All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.