PFIS Peoples Financial Services Corp

  1. Stocks
  2. Financial Services
  3. NASDAQ: PFIS

Price (delayed)

$42.48

Market cap

$299.1M

P/E Ratio

9.23

Dividend/share

$1.64

EPS

$4.6

Enterprise value

$129.58M

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 P/E is 10% below the 5-year quarterly average of 10.2 but 2.6% above the last 4 quarters average of 9.0
PFIS's equity is up by 7% year-on-year but it is down by 2.2% since the previous quarter
The debt has soared by 74% YoY and by 10% from the previous quarter
Peoples Financial Services's net income has decreased by 28% YoY and by 9% QoQ
Sector: Financial Services
Industry: Banks - Regional
Website: http://www.psbt.com
Peers: PEBO TBBK ASRV FULT

Key stats

What are the main financial stats of PFIS
Market
Shares outstanding
7.04M
Market cap
$299.1M
Enterprise value
$129.58M
Valuations
Price to earnings (P/E)
9.23
Price to book (P/B)
0.93
Price to sales (P/S)
2.83
EV/EBIT
3.31
EV/EBITDA
3.02
EV/Sales
1.22
Earnings
Revenue
$106.23M
EBIT
$39.11M
EBITDA
$42.95M
Free cash flow
$28.48M
Per share
EPS
$4.6
Free cash flow per share
$4.02
Book value per share
$45.73
Revenue per share
$14.99
TBVPS
$530.76
Balance sheet
Total assets
$3.83B
Total liabilities
$3.5B
Debt
$85.02M
Equity
$324.39M
Working capital
N/A
Liquidity
Debt to equity
0.26
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-3.95
Margins
EBITDA margin
40.4%
Gross margin
100%
Net margin
31%
Operating margin
36.4%
Efficiency
Return on assets
0.9%
Return on equity
10.1%
Return on invested capital
1.1%
Return on capital employed
N/A
Return on sales
36.8%
Dividend
Dividend yield
3.86%
DPS
$1.64
Payout ratio
35.7%

PFIS stock price

How has the Peoples Financial Services stock price performed over time
Intraday
-0.72%
1 week
-0.75%
1 month
7%
1 year
-25.4%
YTD
-18.06%
QTD
5.94%

Financial performance

How have Peoples Financial Services's revenue and profit performed over time
Revenue
$106.23M
Gross profit
$106.23M
Operating income
$38.63M
Net income
$32.89M
Gross margin
100%
Net margin
31%
PFIS's operating income is down by 29% year-on-year and by 9% since the previous quarter
Peoples Financial Services's net income has decreased by 28% YoY and by 9% QoQ
PFIS's operating margin is down by 23% year-on-year and by 7% since the previous quarter
The net margin has contracted by 21% YoY and by 6% 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
9.23
P/B
0.93
P/S
2.83
EV/EBIT
3.31
EV/EBITDA
3.02
EV/Sales
1.22
PFIS's EPS is down by 27% year-on-year and by 9% since the previous quarter
The P/E is 10% below the 5-year quarterly average of 10.2 but 2.6% above the last 4 quarters average of 9.0
The stock's price to book (P/B) is 7% less than its 5-year quarterly average of 1.0 and 7% less than its last 4 quarters average of 1.0
PFIS's equity is up by 7% year-on-year but it is down by 2.2% since the previous quarter
The stock's price to sales (P/S) is 17% less than its 5-year quarterly average of 3.4 and 6% less than its last 4 quarters average of 3.0
The revenue has contracted by 8% YoY and by 2.5% from the previous quarter

Efficiency

How efficient is Peoples Financial Services business performance
The ROIC has contracted by 35% YoY and by 8% from the previous quarter
The return on assets has declined by 31% year-on-year and by 10% since the previous quarter
Peoples Financial Services's ROE has decreased by 29% YoY and by 11% from the previous quarter
PFIS's return on sales is down by 23% year-on-year and by 7% since the previous quarter

Dividends

What is PFIS's dividend history
Dividend details
DPS
$1.64
Dividend yield
3.86%
Payout ratio
35.7%
Recent dividends

Financial health

How did Peoples Financial Services financials performed over time
Peoples Financial Services's total assets is 9% higher than its total liabilities
PFIS's total liabilities is up by 9% year-on-year and by 4.5% since the previous quarter
Peoples Financial Services's total assets has increased by 9% YoY and by 3.9% QoQ
The debt is 74% less than the equity
The debt has soared by 74% YoY and by 10% from the previous quarter
The debt to equity has soared by 63% YoY and by 13% from the previous quarter

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