Peoples Financial Services Corp. (PFIS)
Full history for every metric is available with a Kvantra account
No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 96 | 98 | 108 | 101 | 134 | 187 | 196 | - |
| Operating profit | $m | 72 | 71 | ||||||
| Net profit | $m | 29 | 44 | 38 | 27 | 8 | 59 | 57 | 64 |
| EPS reported | $ | 5.88 | 5.65 | ||||||
| Operating cashflow per share | $ | 5.43 | 5.34 | ||||||
| Capex per share | $ | 1.09 | 0.86 | ||||||
| FCF per share | $ | 4.34 | 4.49 | ||||||
| Free cash flow | $m | 43 | 45 | ||||||
| Net debt | $m | -1 | 165 | ||||||
| Book value equity | $m | 520 | 536 | ||||||
| Book value per share | $ | 51.60 | 53.43 | ||||||
| Number of shares | m | 10.07 | 10.04 | ||||||
| DPS (TTM paid) | $ | 2.47 | 2.49 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 8.28 | 12.28 | ||||||
| P/B LTM | x | 0.94 | 0.91 | ||||||
| P/S LTM | x | 2.60 | 2.48 | ||||||
| P/FCF LTM | x | 11.23 | 10.84 | ||||||
| EV/EBITDA LTM | x | 8.29 | 8.77 | ||||||
| EV/Sales LTM | x | 2.44 | 3.06 | ||||||
| Earnings Yield LTM | % | +12.08% | +8.14% | ||||||
| FCF Yield | % | +8.90% | +9.23% | ||||||
| Quality | |||||||||
| ROE | % | +11.39% | +10.86% | ||||||
| ROIC | % | +1.12% | +19.00% | ||||||
| Operating margin | % | +25.71% | +24.51% | ||||||
| Gross margin | % | +66.60% | +66.51% | ||||||
| FCF/Sales | % | +15.43% | +15.61% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +493.94% | +470.71% | ||||||
| Sales Growth YoY | % | +39.38% | +45.88% | ||||||
| Net Income Growth YoY | % | +596.48% | +568.09% | ||||||
| FCF Growth | % | +38.26% | +43.27% | ||||||
| Operating Profit Growth | % | +753.02% | +732.55% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +5.06% | +3.48% | ||||||
| Dividend Growth | % | +20.19% | +21.29% | ||||||
| Payout Ratio | % | +41.60% | +43.67% | ||||||
| FCF/Debt | x | 0.17 | 0.19 | ||||||
| Net Debt/EBITDA | x | 2.41 | 2.11 | ||||||
| EBIT/Net interest | x | 0.77 | 0.77 | ||||||
| Net debt/market cap | % | +53.08% | +33.57% | ||||||
| Net debt/Equity | x | -0.00 | 0.31 | ||||||
| Gross debt/equity | x | 0.50 | 0.45 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
Peoples Financial Services Corp. functions as the holding company for Peoples Security Bank and Trust Company, delivering a comprehensive suite of commercial and retail banking solutions. Its deposit offerings encompass demand deposit accounts (including NOW and small business checking), money market and savings accounts, individual retirement accounts (IRAs), and various certificates of deposit. The company's lending portfolio is extensive, covering residential needs such as mortgages, auto, personal, manufactured housing, and home equity loans. For commercial clients, it extends financing for real estate, working capital, construction, equipment, agricultural ventures, mineral rights, and Small Business Administration (SBA) initiatives. Beyond traditional banking, the corporation delivers a range of wealth management and trust services. These encompass investment management, various trust arrangements (IRA, estate administration, living, life insurance, testamentary, guardianship, corporate, custodial), and administration of pension and profit-sharing schemes. Financial advisory offerings include investment portfolio oversight, strategic estate and business succession planning, retirement and tax planning, and education funding strategies. It also facilitates annuities, insurance products, securities, brokerage, and broader investor services. For businesses, specialized services extend to small business checking, merchant money market accounts, business credit cards, and lines of credit, complemented by online and telephone banking, and financial checkup services. Operational support for all clients includes remote deposit capture, Automatic Clearing House (ACH) transactions, cash management, automated teller machines (ATMs), point-of-sale services, safe deposit boxes, night depositories, direct deposit, and official checks. Its diverse customer base includes individual consumers, businesses, non-profit organizations, governmental bodies, municipal agencies, and professionals. With 28 full-service community banking branches, the company maintains a significant presence across Allegheny, Bucks, Lackawanna, Lebanon, Lehigh, Luzerne, Monroe, Montgomery, Northampton, Susquehanna, and Wyoming Counties in Pennsylvania, as well as Middlesex County in New Jersey, and Broome County in New York. Established in 1905, the institution is headquartered in Scranton, Pennsylvania.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Peoples Financial Services Corp. (PFIS)
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
Peoples Financial Services Corp. functions as the holding company for Peoples Security Bank and Trust Company, delivering a comprehensive suite of commercial and retail banking solutions. Its deposit offerings encompass demand deposit accounts (including NOW and small business checking), money market and savings accounts, individual retirement accounts (IRAs), and various certificates of deposit. The company's lending portfolio is extensive, covering residential needs such as mortgages, auto, personal, manufactured housing, and home equity loans. For commercial clients, it extends financing for real estate, working capital, construction, equipment, agricultural ventures, mineral rights, and Small Business Administration (SBA) initiatives. Beyond traditional banking, the corporation delivers a range of wealth management and trust services. These encompass investment management, various trust arrangements (IRA, estate administration, living, life insurance, testamentary, guardianship, corporate, custodial), and administration of pension and profit-sharing schemes. Financial advisory offerings include investment portfolio oversight, strategic estate and business succession planning, retirement and tax planning, and education funding strategies. It also facilitates annuities, insurance products, securities, brokerage, and broader investor services. For businesses, specialized services extend to small business checking, merchant money market accounts, business credit cards, and lines of credit, complemented by online and telephone banking, and financial checkup services. Operational support for all clients includes remote deposit capture, Automatic Clearing House (ACH) transactions, cash management, automated teller machines (ATMs), point-of-sale services, safe deposit boxes, night depositories, direct deposit, and official checks. Its diverse customer base includes individual consumers, businesses, non-profit organizations, governmental bodies, municipal agencies, and professionals. With 28 full-service community banking branches, the company maintains a significant presence across Allegheny, Bucks, Lackawanna, Lebanon, Lehigh, Luzerne, Monroe, Montgomery, Northampton, Susquehanna, and Wyoming Counties in Pennsylvania, as well as Middlesex County in New Jersey, and Broome County in New York. Established in 1905, the institution is headquartered in Scranton, Pennsylvania.
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