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Peoples Financial Services Corp. PFIS

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Price alert · PFIS

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74.92 USD +4.60 +6.54%

At close · Nov 2

74.92 0.00 0.00%

After hours · Nov 2, 4:00 PM ET

Bid
74.93 × 2
Ask
75.12 × 2
71.39 Day range 75.50
44.26 52-week range 75.50
YTD
+53.81%
1 year
+68.21%
Open
71.39
Prev close
70.32
Mkt cap
750.12M
Vol
98.76K
Avg vol
55.67K
EPS
5.65
P/E
13.26
Div yield
4.74%
More statistics
Low
71.39
High
75.50
Forward P/E
9.01
Beta
0.49
Short ratio
1.66
Inst. own
29.65%
Dividend
2.47
Ex-div date
Nov 28, 2024
Earnings
Jan 23, 2025
50-d avg
51.69
200-d avg
44.85
1y target
60.00

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Financial health

Altman Z-Score

0.28 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

6 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B+3 / 5 overall

  • DCF 4
  • Return on Equity 3
  • Return on Assets 3
  • Debt / Equity 3
  • P/E 3
  • P/B 3

Valuation

P/E 8.2×
FY 2016: 18.4×FY 2017: 18.6×FY 2018: 13.1×FY 2019: 13.5×FY 2020: 9.1×FY 2021: 8.7×FY 2022: 9.8×FY 2023: 12.6×FY 2024: 51.2×FY 2025: 8.2×
FY 2016 5y median 9.8× FY 2025
P/S 1.7×
FY 2016: 4.4×FY 2017: 3.9×FY 2018: 3.3×FY 2019: 3.4×FY 2020: 2.4×FY 2021: 3.5×FY 2022: 3.0×FY 2023: 2.1×FY 2024: 1.9×FY 2025: 1.7×
FY 2016 5y median 2.1× FY 2025
P/B 0.9×
FY 2016: 1.4×FY 2017: 1.3×FY 2018: 1.2×FY 2019: 1.2×FY 2020: 0.8×FY 2021: 1.1×FY 2022: 1.2×FY 2023: 1.0×FY 2024: 0.9×FY 2025: 0.9×
FY 2016 5y median 1.0× FY 2025
P/FCF 11.2×
FY 2016: 16.9×FY 2017: 15.4×FY 2018: 11.4×FY 2019: 11.8×FY 2020: 7.7×FY 2021: 10.6×FY 2022: 10.8×FY 2023: 12.7×FY 2024: 13.9×FY 2025: 11.2×
FY 2016 5y median 11.2× FY 2025
EV/EBITDA 8.3×
FY 2016: 16.8×FY 2017: 16.2×FY 2018: 13.3×FY 2019: 15.9×FY 2020: 8.4×FY 2021: 6.6×FY 2022: 9.8×FY 2023: 10.5×FY 2024: 34.2×FY 2025: 8.3×
FY 2016 5y median 9.8× FY 2025
EV/Sales 2.4×
FY 2016: 5.6×FY 2017: 5.4×FY 2018: 4.2×FY 2019: 4.8×FY 2020: 2.9×FY 2021: 3.5×FY 2022: 3.9×FY 2023: 2.3×FY 2024: 2.3×FY 2025: 2.4×
FY 2016 5y median 2.4× FY 2025
FCF Yield 8.9%
FY 2016: 5.9%FY 2017: 6.5%FY 2018: 8.8%FY 2019: 8.5%FY 2020: 13.0%FY 2021: 9.4%FY 2022: 9.3%FY 2023: 7.9%FY 2024: 7.2%FY 2025: 8.9%
FY 2016 5y median 8.9% FY 2025

Profitability

Gross Margin 66.6%
FY 2016: 85.0%FY 2017: 84.9%FY 2018: 82.2%FY 2019: 77.9%FY 2020: 80.4%FY 2021: 89.6%FY 2022: 87.8%FY 2023: 61.2%FY 2024: 50.1%FY 2025: 66.6%
FY 2016 5y median 66.6% FY 2025
Operating Margin 25.7%
FY 2016: 30.0%FY 2017: 29.9%FY 2018: 28.8%FY 2019: 26.6%FY 2020: 30.9%FY 2021: 49.7%FY 2022: 36.7%FY 2023: 19.8%FY 2024: 3.7%FY 2025: 25.7%
FY 2016 5y median 25.7% FY 2025
Net Margin 21.1%
FY 2016: 23.9%FY 2017: 20.7%FY 2018: 25.3%FY 2019: 23.7%FY 2020: 26.5%FY 2021: 40.4%FY 2022: 30.8%FY 2023: 16.7%FY 2024: 3.7%FY 2025: 21.1%
FY 2016 5y median 21.1% FY 2025
ROE 11.4%
FY 2016: 7.6%FY 2017: 7.0%FY 2018: 8.9%FY 2019: 8.6%FY 2020: 9.3%FY 2021: 12.8%FY 2022: 12.1%FY 2023: 8.0%FY 2024: 1.8%FY 2025: 11.4%
FY 2016 5y median 11.4% FY 2025
ROIC 1.1%
FY 2016: 4.8%FY 2017: 4.1%FY 2018: 6.0%FY 2019: 5.1%FY 2020: 6.6%FY 2021: 10.7%FY 2022: 7.5%FY 2023: 6.0%FY 2024: 1.2%FY 2025: 1.1%
FY 2016 5y median 6.0% FY 2025
ROA 1.1%
FY 2016: 1.0%FY 2017: 0.9%FY 2018: 1.1%FY 2019: 1.0%FY 2020: 1.0%FY 2021: 1.3%FY 2022: 1.1%FY 2023: 0.7%FY 2024: 0.2%FY 2025: 1.1%
FY 2016 5y median 1.1% FY 2025

Growth (YoY)

Revenue 22.3%
FY 2016: 7.6%FY 2017: 8.9%FY 2018: 10.3%FY 2019: 10.4%FY 2020: 2.1%FY 2021: -2.7%FY 2022: 14.8%FY 2023: 32.6%FY 2024: 40.1%FY 2025: 22.3%
FY 2016 FY 2025
Operating Income 753.0%
FY 2016: 10.6%FY 2017: 8.3%FY 2018: 6.3%FY 2019: 2.0%FY 2020: 18.3%FY 2021: 56.6%FY 2022: -15.2%FY 2023: -28.4%FY 2024: -73.9%FY 2025: 753.0%
FY 2016 FY 2025
EPS (diluted) 493.9%
FY 2016: 12.3%FY 2017: -5.7%FY 2018: 34.8%FY 2019: 10.4%FY 2020: 7.5%FY 2021: 50.2%FY 2022: -12.1%FY 2023: -27.5%FY 2024: -74.2%FY 2025: 493.9%
FY 2016 FY 2025
Free Cash Flow 38.3%
FY 2016: -14.0%FY 2017: 5.0%FY 2018: 27.8%FY 2019: 10.2%FY 2020: 10.8%FY 2021: 2.9%FY 2022: -3.8%FY 2023: -20.9%FY 2024: 14.7%FY 2025: 38.3%
FY 2016 FY 2025

Financial Health

Current Ratio 8.8×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.1×FY 2021: 0.2×FY 2022: 0.2×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 8.8×
FY 2016 5y median 0.2× FY 2025
Quick Ratio 8.8×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.1×FY 2021: 0.2×FY 2022: 0.2×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 8.8×
FY 2016 5y median 0.2× FY 2025
Debt / Equity 0.5×
FY 2016: 0.5×FY 2017: 0.7×FY 2018: 0.4×FY 2019: 0.6×FY 2020: 0.3×FY 2021: 0.1×FY 2022: 0.5×FY 2023: 0.2×FY 2024: 0.3×FY 2025: 0.5×
FY 2016 5y median 0.3× FY 2025
Net Debt / EBITDA 2.4×
FY 2016: 3.7×FY 2017: 4.6×FY 2018: 2.9×FY 2019: 4.6×FY 2020: 1.4×FY 2021: -0.0×FY 2022: 2.2×FY 2023: 0.9×FY 2024: 6.4×FY 2025: 2.4×
FY 2016 5y median 2.2× FY 2025
Interest Coverage 0.8×
FY 2016: 3.4×FY 2017: 3.1×FY 2018: 2.1×FY 2019: 1.6×FY 2020: 2.4×FY 2021: 5.7×FY 2022: 2.9×FY 2023: 0.5×FY 2024: 0.1×FY 2025: 0.8×
FY 2016 5y median 0.8× FY 2025

Dividends

Dividend Yield 5.1%
FY 2016: 2.5%FY 2017: 2.7%FY 2018: 3.0%FY 2019: 2.7%FY 2020: 3.9%FY 2021: 2.8%FY 2022: 3.0%FY 2023: 3.4%FY 2024: 4.1%FY 2025: 5.1%
FY 2016 5y median 3.4% FY 2025
Payout Ratio 41.6%
FY 2016: 46.8%FY 2017: 50.5%FY 2018: 38.9%FY 2019: 39.4%FY 2020: 35.8%FY 2021: 24.8%FY 2022: 29.7%FY 2023: 42.6%FY 2024: 212.9%FY 2025: 41.6%
FY 2016 5y median 41.6% FY 2025

Annual · latest fiscal year ends 2025-12-31