Peoples Financial Services Corp. PFIS

69.80 0.50 0.72% as of 25 Sep
Market cap
$693.7M
P/E
12.3×
Growth Flags show if company had growth for consecutive years
Dec '25 Dec '24 Dec '23 Dec '22 Dec '21 Dec '20 Dec '19 Dec '18 Dec '17 Dec '16
P/E ratio
8.22 44.89 12.68 9.57 8.72 9.14 14.46 13.07 18.31 18.39
P/S ratio
1.73 1.90 2.12 2.96 3.17 2.42 3.43 3.32 3.69 4.25
P/FCF ratio
9.59 12.86 12.62 10.21 10.28 7.47 11.73 10.78 14.71 16.22
P/Operating CF
30.25 55.52 38.78 30.03 25.07 7.99 38.01 39.43 57.43 48.78
P/B ratio
0.94 0.93 1.02 1.16 1.11 0.85 1.25 1.17 1.27 1.40
Price to Tangible BV
1.17 1.22 1.25 1.45 1.37 1.06 1.59 1.53 1.70 1.91
EV/Sales
1.58 1.92 1.33 2.92 1.13 0.80 3.45 3.37 3.82 4.46
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
8.17 12.68 6.54 8.50 3.31 2.37 10.08 10.15 12.22 13.50
EV/FCF
8.74 12.97 7.91 10.09 3.66 2.45 11.78 10.95 15.24 17.04
Quick Ratio
0.06 0.03 0.06 0.01 0.09 0.09 0.01 0.02 0.02 0.02
Current Ratio
0.96 0.93 0.92 0.87 0.87 0.96 0.92 0.94 0.93 0.94
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
4.28% 2.74% 1.55% 0.94% 1.06% 1.66% 1.32% 1.66% 2.29% 2.91%
Debt/Equity
0.43 0.30 0.17 0.11 0.11 0.15 0.11 0.14 0.19 0.23
Asset Turnover
0.05 0.05 0.05 0.04 0.04 0.04 0.05 0.04 0.04 0.04
Operating CF/Net income
0.92 4.09 1.21 1.11 0.94 1.27 1.44 1.31 1.55 1.43
Capex/Depreciation
0.59 0.43 (1.03) (0.92) (0.80) (0.33) (0.86) (0.37) (0.80) (0.75)
ROE
11.97% 2.10% 8.35% 11.62% 13.25% 9.53% 8.91% 9.17% 7.08% 7.75%
ROA
1.14% 0.19% 0.75% 1.10% 1.39% 1.10% 1.08% 1.12% 0.89% 1.03%
ROIC
9.50% 3.26% 10.16% 9.12% 34.88% 15.65% 6.01% 6.23% 6.01% 5.59%
Return on Tangible Assets
(74.19%) (3.37%) (12.87%) (10.74%) (13.49%) (55.51%) (21.04%) (30.59%) (21.22%) (25.94%)
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
38.67% 46.25% 40.53% 50.22% 47.01% 55.67% 56.23% 56.76% 60.22% 61.08%
Intangible Assets out of Total Assets
0.02 0.02 0.02 0.02 0.02 0.02 0.03 0.03 0.03 0.03
Share Based Compensation of Revenue
0.12% 0.34% 0.54% 0.43% 0.46% 0.51% 0.51% 0.28% 0.19% 0.08%
Graham Net Nets
(0.89) (1.19) (1.08) (1.33) (1.16) (0.67) (0.60) (0.52) (0.55) (0.50)
Graham Number
83.27 37.55 64.41 72.50 80.15 62.64 56.28 53.44 44.80 45.48
Earnings Yield
12.16% 2.23% 7.89% 10.45% 11.46% 10.94% 6.91% 7.65% 5.46% 5.44%
Free Cash Flow Yield
10.43% 7.78% 7.92% 9.79% 9.72% 13.40% 8.53% 9.28% 6.80% 6.16%
Revenue per Share
28.16 26.94 23.07 17.18 16.63 15.16 14.67 13.29 12.36 11.47
Operating CF per Share
5.43 4.07 4.68 5.91 5.67 5.09 5.01 4.41 3.87 3.79
Capex per Share
(0.35) (0.09) (0.81) (0.93) (0.54) (0.17) (0.72) (0.32) (0.77) (0.79)
Free Cash Flow per Share
5.08 3.98 3.87 4.98 5.12 4.92 4.29 4.09 3.10 3.00
Cash per Share
26.91 15.92 26.36 5.28 38.90 31.24 4.21 4.41 5.07 5.40
Shareholders Equity per Share
52.01 54.97 47.89 43.99 47.26 43.38 40.43 37.66 35.83 34.69
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
52.01 54.97 47.89 43.99 47.26 43.38 40.43 37.66 35.83 34.69
Free Cash Flow
50.76 33.96 27.48 35.66 36.87 35.97 31.75 30.24 22.93 22.22
Working Capital
(158.27) (325.74) (274.04) (410.20) (374.15) (99.93) (170.23) (120.35) (124.55) (108.75)
Capital Expenditures
(3.52) (0.77) (5.77) (6.69) (3.90) (1.21) (5.33) (2.38) (5.67) (5.83)
Net Current Asset Value
(435.42) (519.49) (373.52) (485.94) (439.70) (179.00) (221.63) (168.01) (185.42) (179.65)
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
0.01 0.00 0.04 0.05 0.03 0.01 0.05 0.02 0.06 0.07
Net Profit Margin
21.03% 3.70% 16.70% 30.92% 36.36% 26.50% 23.72% 25.35% 20.19% 23.07%
Price to Operating Income
6.72 17.70 10.10 8.03 7.09 7.86 12.89 11.51 12.66 14.66
Other line items
Depreciation/Fixed assets
(0.08) (0.02) 0.09 0.13 0.10 0.08 0.13 0.16 0.19 0.23
Cash ROIC
(2.39%) (5.18%) (4.78%) (3.44%) (1.64%) (1.66%) (2.99%) (1.79%) (2.55%) (1.47%)
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
0.02 0.02 0.02 0.01 0.00 0.01 0.01 0.01 0.01 0.00
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
17,266.07 16,850.73 18,968.39 71,351.19 114,799.40 62,101.80 40,272.75 51,372.39 72,136.30 79,974.67
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
4,420.81 3,843.29 3,162.82 3,005.00 2,700.26 2,204.30 1,923.26 1,797.02 1,653.89 1,522.28
Average Assets
5,181.12 4,416.97 3,647.90 3,461.50 3,126.64 2,679.56 2,382.16 2,229.01 2,084.24 1,909.25
Average Common Equity
494.40 404.69 327.89 327.74 328.50 307.94 288.81 271.80 260.80 252.69

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