PFIS Peoples Financial Services Corp

Price (delayed)

$49.2

Market cap

$347.22M

P/E Ratio

15

Dividend/share

$1.64

EPS

$3.28

Enterprise value

$315.51M

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 3.5% year-on-year
The P/E is 49% above the 5-year quarterly average of 10.1 and 39% above the last 4 quarters average of 10.8
PFIS's EPS is down by 35% year-on-year and by 15% since the previous quarter

Key stats

What are the main financial stats of PFIS
Market
Shares outstanding
7.06M
Market cap
$347.22M
Enterprise value
$315.51M
Valuations
Price to earnings (P/E)
15
Price to book (P/B)
1.02
Price to sales (P/S)
3.58
EV/EBIT
11.48
EV/EBITDA
10.18
EV/Sales
3.26
Earnings
Revenue
$96.81M
EBIT
$27.48M
EBITDA
$31.01M
Free cash flow
$28.29M
Per share
EPS
$3.28
Free cash flow per share
$4.01
Book value per share
$48.17
Revenue per share
$13.73
TBVPS
$511.25
Balance sheet
Total assets
$3.67B
Total liabilities
$3.33B
Debt
$78.26M
Equity
$339.99M
Working capital
N/A
Liquidity
Debt to equity
0.23
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-1.02
Margins
EBITDA margin
32%
Gross margin
100%
Net margin
24%
Operating margin
28.4%
Efficiency
Return on assets
0.6%
Return on equity
7%
Return on invested capital
0.8%
Return on capital employed
N/A
Return on sales
28.4%
Dividend
Dividend yield
3.33%
DPS
$1.64
Payout ratio
50%

PFIS stock price

How has the Peoples Financial Services stock price performed over time
Intraday
2.12%
1 week
0.39%
1 month
24.31%
1 year
5.38%
YTD
1.03%
QTD
8.04%

Financial performance

How have Peoples Financial Services's revenue and profit performed over time
Revenue
$96.81M
Gross profit
$96.81M
Operating income
$27.48M
Net income
$23.27M
Gross margin
100%
Net margin
24%
PFIS's operating income is down by 36% year-on-year and by 15% since the previous quarter
Peoples Financial Services's net income has decreased by 35% YoY and by 15% QoQ
PFIS's operating margin is down by 29% year-on-year and by 12% since the previous quarter
The net margin has contracted by 28% YoY and by 12% 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
15
P/B
1.02
P/S
3.58
EV/EBIT
11.48
EV/EBITDA
10.18
EV/Sales
3.26
The P/E is 49% above the 5-year quarterly average of 10.1 and 39% above the last 4 quarters average of 10.8
PFIS's EPS is down by 35% year-on-year and by 15% since the previous quarter
The stock's price to book (P/B) is 13% more than its last 4 quarters average of 0.9 and 2% more than its 5-year quarterly average of 1.0
PFIS's equity is up by 3.5% year-on-year
The stock's price to sales (P/S) is 19% more than its last 4 quarters average of 3.0 and 8% more than its 5-year quarterly average of 3.3
The revenue has contracted by 10% YoY and by 3.5% from the previous quarter

Efficiency

How efficient is Peoples Financial Services business performance
The return on assets has declined by 40% year-on-year and by 14% since the previous quarter
Peoples Financial Services's ROE has decreased by 39% YoY and by 16% from the previous quarter
The ROIC has contracted by 33% YoY and by 11% from the previous quarter
PFIS's return on sales is down by 29% year-on-year and by 12% since the previous quarter

Dividends

What is PFIS's dividend history
DPS
$1.64
Dividend yield
3.33%
Payout ratio
50%
Recent dividends

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 2.1% since the previous quarter
The debt is 77% less than the equity
The debt to equity has grown by 4.5% from the previous quarter
The debt has grown by 4% YoY and by 3.5% from the previous quarter

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