PFIS Peoples Financial Services Corp
Price (delayed)
$49.25
Market cap
$492.24M
P/E Ratio
46.9
Dividend/share
$2.06
EPS
$1.05
Enterprise value
$396.62M
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 46% year-on-year and by 39% since the previous quarter
The revenue has contracted by 9% YoY but it has grown by 6% from the previous quarter
The gross profit has declined by 9% year-on-year but it is up by 6% since the previous quarter
The debt has soared by 123% YoY and by 17% from the previous quarter
The P/E is 110% above the last 4 quarters average of 22.3
Key stats
What are the main financial stats of PFIS
Market
Valuations
Earnings
Shares outstanding
9.99M
Market cap
$492.24M
Enterprise value
$396.62M
Price to earnings (P/E)
46.9
Price to book (P/B)
1.03
Price to sales (P/S)
5.11
EV/EBIT
57.73
EV/EBITDA
31.43
EV/Sales
4.12
Revenue
$96.2M
Gross profit
$96.2M
Operating income
$6.87M
Net income
$6.04M
EBIT
$6.87M
EBITDA
$12.62M
Free cash flow
$34.55M
Per share
Balance sheet
Liquidity
EPS
$1.05
EPS diluted
$1.04
Free cash flow per share
$3.46
Book value per share
$47.62
Revenue per share
$9.63
TBVPS
$525.38
Total assets
$5.36B
Total liabilities
$4.89B
Debt
$189.85M
Equity
$475.05M
Working capital
N/A
Debt to equity
0.4
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-7.58
Margins
Efficiency
Dividend
EBITDA margin
13.1%
Gross margin
100%
Net margin
6.3%
Operating margin
7.1%
Return on assets
0.1%
Return on equity
1.6%
Return on invested capital
0.2%
Return on capital employed
N/A
Return on sales
7.1%
Dividend yield
4.17%
DPS
$2.06
Payout ratio
195.7%
PFIS stock price
How has the Peoples Financial Services stock price performed over time
Intraday
-1.99%
1 week
-6.15%
1 month
-4.39%
1 year
22.21%
YTD
-3.77%
QTD
-3.77%
Financial performance
How have Peoples Financial Services's revenue and profit performed over time
Revenue
$96.2M
Gross profit
$96.2M
Operating income
$6.87M
Net income
$6.04M
Gross margin
100%
Net margin
6.3%
PFIS's operating income has dropped by 82% year-on-year and by 66% since the previous quarter
Peoples Financial Services's net income has shrunk by 82% YoY and by 65% QoQ
PFIS's operating margin has dropped by 81% year-on-year and by 68% since the previous quarter
The net margin has plunged by 80% YoY and by 67% 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
46.9
P/B
1.03
P/S
5.11
EV/EBIT
57.73
EV/EBITDA
31.43
EV/Sales
4.12
The P/E is 110% above the last 4 quarters average of 22.3
PFIS's EPS has dropped by 77% year-on-year and by 57% since the previous quarter
PFIS's equity is up by 46% year-on-year and by 39% since the previous quarter
The stock's price to book (P/B) is 3% more than its 5-year quarterly average of 1.0 and 3% more than its last 4 quarters average of 1.0
The stock's price to sales (P/S) is 55% more than its 5-year quarterly average of 3.3 and 34% more than its last 4 quarters average of 3.8
The revenue has contracted by 9% YoY but it has grown by 6% from the previous quarter
Efficiency
How efficient is Peoples Financial Services business performance
The return on assets has dropped by 89% year-on-year and by 80% since the previous quarter
Peoples Financial Services's ROE has plunged by 84% YoY and by 69% from the previous quarter
The ROIC has plunged by 82% YoY and by 67% from the previous quarter
PFIS's return on sales has dropped by 81% year-on-year and by 68% since the previous quarter
Dividends
What is PFIS's dividend history
DPS
$2.06
Dividend yield
4.17%
Payout ratio
195.7%
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 up by 49% since the previous quarter and by 40% year-on-year
Peoples Financial Services's total assets has increased by 48% QoQ and by 40% YoY
The debt is 60% less than the equity
The debt has soared by 123% YoY and by 17% from the previous quarter
The debt to equity has soared by 54% YoY but it has contracted by 17% from the previous quarter
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.