Saturday 17 October 2026
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Peoples Financial Services Corp.
PFIS Financial Banks Regional
Peoples Financial Services Corp.’s revenue for fiscal 2025 (year ended December 2025) was $281.4 million, up 22.5% from fiscal 2024. In the quarter to June 2026, revenue grew 3.78%, EPS fell 12.9%, free cash flow grew 54.4% and total debt rose 26.4%, each against the same quarter a year earlier. Dividend growth for ten consecutive years, revenue growth for ten.
68.30
0.25
+0.37%
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| Dec '16 | Dec '17 | Dec '18 | Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
18.39 | 18.31 | 13.07 | 14.46 | 9.14 | 8.72 | 9.57 | 12.68 | 44.89 | 8.22 |
Piotroski F-Score |
8 | 5 | 7 | 6 | 7 | 6 | 5 | 6 | 5 | 6 |
P/S ratio |
4.25 | 3.69 | 3.32 | 3.43 | 2.42 | 3.17 | 2.96 | 2.12 | 1.90 | 1.73 |
P/FCF ratio |
16.22 | 14.71 | 10.78 | 11.73 | 7.47 | 10.28 | 10.21 | 12.62 | 12.86 | 9.59 |
P/Operating CF |
48.78 | 57.43 | 39.43 | 38.01 | 7.99 | 25.07 | 30.03 | 38.78 | 55.52 | 30.25 |
P/B ratio |
1.40 | 1.27 | 1.17 | 1.25 | 0.85 | 1.11 | 1.16 | 1.02 | 0.93 | 0.94 |
Price to Tangible BV |
1.91 | 1.70 | 1.53 | 1.59 | 1.06 | 1.37 | 1.45 | 1.25 | 1.22 | 1.17 |
EV/Sales |
4.46 | 3.82 | 3.37 | 3.45 | 0.80 | 1.13 | 2.92 | 1.33 | 1.92 | 1.58 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
13.50 | 12.22 | 10.15 | 10.08 | 2.37 | 3.31 | 8.50 | 6.54 | 12.68 | 8.17 |
EV/FCF |
17.04 | 15.24 | 10.95 | 11.78 | 2.45 | 3.66 | 10.09 | 7.91 | 12.97 | 8.74 |
Quick Ratio |
0.02 | 0.02 | 0.02 | 0.01 | 0.09 | 0.09 | 0.01 | 0.06 | 0.03 | 0.06 |
Current Ratio |
0.94 | 0.93 | 0.94 | 0.92 | 0.96 | 0.87 | 0.87 | 0.92 | 0.93 | 0.96 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
2.91% | 2.29% | 1.66% | 1.32% | 1.66% | 1.06% | 0.94% | 1.55% | 2.74% | 4.28% |
Debt/Equity |
0.23 | 0.19 | 0.14 | 0.11 | 0.15 | 0.11 | 0.11 | 0.17 | 0.30 | 0.43 |
Asset Turnover |
0.04 | 0.04 | 0.04 | 0.05 | 0.04 | 0.04 | 0.04 | 0.05 | 0.05 | 0.05 |
Operating CF/Net income |
1.43 | 1.55 | 1.31 | 1.44 | 1.27 | 0.94 | 1.11 | 1.21 | 4.09 | 0.92 |
Capex/Depreciation |
(0.75) | (0.80) | (0.37) | (0.86) | (0.33) | (0.80) | (0.92) | (1.03) | 0.43 | 0.59 |
| 7.75% | 7.08% | 9.17% | 8.91% | 9.53% | 13.25% | 11.62% | 8.35% | 2.10% | 11.97% | |
| 1.03% | 0.89% | 1.12% | 1.08% | 1.10% | 1.39% | 1.10% | 0.75% | 0.19% | 1.14% | |
ROIC |
5.59% | 6.01% | 6.23% | 6.01% | 15.65% | 34.88% | 9.12% | 10.16% | 3.26% | 9.50% |
Return on Tangible Assets |
(25.94%) | (21.22%) | (30.59%) | (21.04%) | (55.51%) | (13.49%) | (10.74%) | (12.87%) | (3.37%) | (74.19%) |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
61.08% | 60.22% | 56.76% | 56.23% | 55.67% | 47.01% | 50.22% | 40.53% | 46.25% | 38.67% |
Intangible Assets out of Total Assets |
0.03 | 0.03 | 0.03 | 0.03 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 |
Share Based Compensation of Revenue |
0.08% | 0.19% | 0.28% | 0.51% | 0.51% | 0.46% | 0.43% | 0.54% | 0.34% | 0.12% |
Graham Net Nets |
(0.50) | (0.55) | (0.52) | (0.60) | (0.67) | (1.16) | (1.33) | (1.08) | (1.19) | (0.89) |
Graham Number |
45.48 | 44.80 | 53.44 | 56.28 | 62.64 | 80.15 | 72.50 | 64.41 | 37.55 | 83.27 |
Earnings Yield |
5.44% | 5.46% | 7.65% | 6.91% | 10.94% | 11.46% | 10.45% | 7.89% | 2.23% | 12.16% |
Free Cash Flow Yield |
6.16% | 6.80% | 9.28% | 8.53% | 13.40% | 9.72% | 9.79% | 7.92% | 7.78% | 10.43% |
Revenue per Share |
11.47 | 12.36 | 13.29 | 14.67 | 15.16 | 16.63 | 17.18 | 23.07 | 26.94 | 28.16 |
Operating CF per Share |
3.79 | 3.87 | 4.41 | 5.01 | 5.09 | 5.67 | 5.91 | 4.68 | 4.07 | 5.43 |
Capex per Share |
(0.79) | (0.77) | (0.32) | (0.72) | (0.17) | (0.54) | (0.93) | (0.81) | (0.09) | (0.35) |
Free Cash Flow per Share |
3.00 | 3.10 | 4.09 | 4.29 | 4.92 | 5.12 | 4.98 | 3.87 | 3.98 | 5.08 |
Cash per Share |
5.40 | 5.07 | 4.41 | 4.21 | 31.24 | 38.90 | 5.28 | 26.36 | 15.92 | 26.91 |
Shareholders Equity per Share |
34.69 | 35.83 | 37.66 | 40.43 | 43.38 | 47.26 | 43.99 | 47.89 | 54.97 | 52.01 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
34.69 | 35.83 | 37.66 | 40.43 | 43.38 | 47.26 | 43.99 | 47.89 | 54.97 | 52.01 |
Free Cash Flow |
22.22 | 22.93 | 30.24 | 31.75 | 35.97 | 36.87 | 35.66 | 27.48 | 33.96 | 50.76 |
Working Capital |
(108.75) | (124.55) | (120.35) | (170.23) | (99.93) | (374.15) | (410.20) | (274.04) | (325.74) | (158.27) |
Capital Expenditures |
(5.83) | (5.67) | (2.38) | (5.33) | (1.21) | (3.90) | (6.69) | (5.77) | (0.77) | (3.52) |
Net Current Asset Value |
(179.65) | (185.42) | (168.01) | (221.63) | (179.00) | (439.70) | (485.94) | (373.52) | (519.49) | (435.42) |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.07 | 0.06 | 0.02 | 0.05 | 0.01 | 0.03 | 0.05 | 0.04 | 0.00 | 0.01 |
Price to Operating Income |
14.66 | 12.66 | 11.51 | 12.89 | 7.86 | 7.09 | 8.03 | 10.10 | 17.70 | 6.72 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.23 | 0.19 | 0.16 | 0.13 | 0.08 | 0.10 | 0.13 | 0.09 | (0.02) | (0.08) |
Cash ROIC |
6.27% | 6.51% | 8.66% | 8.75% | 6.07% | 5.62% | 9.22% | 4.69% | 4.56% | 5.00% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.00 | 0.01 | 0.01 | 0.01 | 0.01 | 0.00 | 0.01 | 0.02 | 0.02 | 0.02 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
79,974.67 | 72,136.30 | 51,372.39 | 40,272.75 | 62,101.80 | 114,799.40 | 71,351.19 | 18,968.39 | 16,850.73 | 17,266.07 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
1,522.28 | 1,653.89 | 1,797.02 | 1,923.26 | 2,204.30 | 2,700.26 | 3,005.00 | 3,162.82 | 3,843.29 | 4,420.81 |
Average Assets |
1,909.25 | 2,084.24 | 2,229.01 | 2,382.16 | 2,679.56 | 3,126.64 | 3,461.50 | 3,647.90 | 4,416.97 | 5,181.12 |
Average Common Equity |
252.69 | 260.80 | 271.80 | 288.81 | 307.94 | 328.50 | 327.74 | 327.89 | 404.69 | 494.40 |
Columns are period end dates