Saturday 17 October 2026 Export PFIS’s income statement to Excel — free account

Peoples Financial Services Corp.

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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Market cap: $681.2M
P/E: 12.0×
Fwd P/E: 9.2×
Dividend yield: 3.65%
F-score: 6/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	—	—	—	—	—	—	—	—	—
Sell	—	—	—	—	—	—	—	—	—	—	—	—

Insider Ownership 8.20%

Capital & Financial Ratios $m

Market Cap 681.20

Revenue 287.05

Net Income 56.77

Free Cash Flow 49.60

Net Debt (10.19)

Current Ratio 0.99

Debt/Equity 0.46

P/E ratio 12.03

Fwd P/E 9.24

P/S ratio 2.38

P/B ratio 1.28

Past 5Y EPS Growth 8.01%

This Y EPS Growth 3.87%

Next Y EPS Growth 14.20%

Next Y revenue growth (25.52%)

Next 5Y EPS Growth 10.32%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 46.52%

10-year low 10-year high

P/S against its own 10 years 31.66%

10-year low 10-year high

P/B against its own 10 years 89.53%

10-year low 10-year high

Dividends

Payout Ratio 0.44

Annual Dividend Rate 2.49

Annual Dividend Yield 3.65%

	total	individual payouts
2028	Powerpack
2027	Powerpack
2026	2.51	0.63 0.63 0.63
2025	2.47	0.62 0.62 0.62 0.62
2024	2.06	0.41 0.41 0.62 0.62
2023	1.64	0.41 0.41 0.41 0.41
2022	1.58	0.39 0.39 0.40 0.40
2021	1.50	0.37 0.37 0.38 0.38
2020	1.44	0.36 0.36 0.36 0.36
2019	1.37	0.34 0.34 0.34 0.35
2018	1.31	0.32 0.33 0.33 0.33
2017	1.26	0.31 0.31 0.32 0.32
2016	1.24	0.31 0.31 0.31 0.31

predictions special payouts not included in total or ratios

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	187	136	269	256
Receivables	—	—	—	—
Inventory	—	—	—	—
Other	—	—	—	—
	3,028	4,103	4,315	4,535

	2023	2024	2025	Q'26
Payables	3,279	4,408	4,434	4,509
ST’ Debt	—	—	—	—
Other	—	—	—	—
	3,302	4,429	4,474	4,599

Compound Annual Growth %

	10y	5y	3y
Sales	13.58%	20.50%	31.71%
Cash Flow	6.40%	7.86%	8.62%
Earnings	12.82%	15.06%	15.83%
Book Value	7.65%	10.41%	18.13%

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	72	74	—	—	—
’25	69	72	71	70	281
’24	42	42	74	71	230
’23	38	40	42	43	164
’22	28	30	33	33	123
’21	27	26	28	39	120
’20	27	27	28	28	111

Fiscal quarters ending in the months shown.

Operating Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	8	14	—	—	—
’25	9	14	15	16	54
’24	3	2	22	8	35
’23	5	13	7	9	33
’22	9	10	11	12	42
’21	12	1	13	15	41
’20	11	9	(16)	34	37

Fiscal quarters ending in the months shown.

Free Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	6	13	—	—	—
’25	12	9	13	17	51
’24	3	1	18	12	34
’23	2	11	6	9	27
’22	9	8	9	10	36
’21	12	1	10	14	37
’20	10	8	(16)	33	36

Fiscal quarters ending in the months shown.

EPS $

	Mar	Jun	Sep	Dec	Year
’26	1.47	1.48	—	—	—
’25	1.49	1.68	1.51	1.19	5.88
’24	0.49	0.46	(0.43)	0.61	0.99
’23	1.05	1.31	0.95	0.51	3.83
’22	1.33	1.30	1.38	1.27	5.28
’21	1.31	1.18	1.26	2.28	6.02
’20	0.72	1.03	1.14	1.13	4.00

Fiscal quarters ending in the months shown.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	32.74	39.00	39.01	39.76	29.01	36.02	46.02	30.60	36.26	38.90	Analyst estimates 2026–2028 Powerpack
	High	50.54	51.56	52.00	53.88	50.42	55.00	59.99	54.39	59.70	54.20
People
People	Employees	364	388	390	408	384	396	415	395	538	583
	Revenue/emp, $m	0.23	0.24	0.25	0.27	0.29	0.30	0.30	0.42	0.43	0.48
Income, $m
Income, $m	Revenue	85	91	98	109	111	120	123	164	230	281
	Gross margin, %	91.46	90.49	86.45	83.53	87.07	92.13	87.35	61.52	58.45	66.69
	EBT	25	27	28	29	34	54	45	33	8	72
	EBT margin, %	28.97	29.13	28.79	26.63	30.85	44.71	36.83	19.82	3.69	25.67
	Net income	20	18	25	26	29	44	38	27	8	59
	Depreciation	8	7	6	6	4	5	7	6	(2)	(6)
Per share, $
Per share, $	Revenue	11.47	12.36	13.29	14.67	15.16	16.63	17.18	23.07	26.94	28.16
	Earnings	2.65	2.50	3.37	3.72	4.02	6.05	5.31	3.85	1.00	5.92
	Cash flow	3.79	3.87	4.41	5.01	5.09	5.67	5.91	4.68	4.07	5.43
	Capex	(0.79)	(0.77)	(0.32)	(0.72)	(0.17)	(0.54)	(0.93)	(0.81)	(0.09)	(0.35)
	Free cash flow	3.00	3.10	4.09	4.29	4.92	5.12	4.98	3.87	3.98	5.08
	Book value	34.69	35.83	37.66	40.43	43.38	47.26	43.99	47.89	54.97	52.01
	Shares, m	7	7	7	7	7	7	7	7	9	10
Valuation, ×
Valuation, ×	P/E	18.39	18.31	13.07	14.46	9.14	8.72	9.57	12.68	44.89	8.22
	P/S	4.25	3.69	3.32	3.43	2.42	3.17	2.96	2.12	1.90	1.73
	P/B	1.40	1.27	1.17	1.25	0.85	1.11	1.16	1.02	0.93	0.94
	EV/Sales	4.46	3.82	3.37	3.45	0.80	1.13	2.92	1.33	1.92	1.58
	EV/FCF	17.04	15.24	10.95	11.78	2.45	3.66	10.09	7.91	12.97	8.74
Cash, $m
Cash, $m	Operating cash flow	28	29	33	37	37	41	42	33	35	54
	Capex	(6)	(6)	(2)	(5)	(1)	(4)	(7)	(6)	(1)	(4)
	Free cash flow	22	23	30	32	36	37	36	27	34	51
Balance, $m
Balance, $m	Working capital	(109)	(125)	(120)	(170)	(100)	(374)	(410)	(274)	(326)	(158)
	Total debt	58	50	38	33	48	36	34	58	140	226
	Net debt	18	12	5	2	(180)	(244)	(4)	(129)	4	(43)
	Shareholders’ equity	257	265	279	299	317	340	315	340	469	520
Returns, %
Returns, %	ROA	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
	ROE	7.75	7.08	9.17	8.91	9.53	13.25	11.62	8.35	2.10	11.97

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
CWBC Community West Bancshares	$699.2M	13.8×	11.5×	+32.57% (above 0%: growing)	−75.61% (below 0%: shrinking)	+65.55% (above 0%: growing)	76.29%	0.00%	Compare
BCAL California BanCorp	$698.0M	11.7×	11.5×	−3.68% (below 0%: shrinking)	+2.33% (above 0%: growing)	+6.82% (above 0%: growing)	79.50%	0.00%	Compare
TCBX Third Coast Bancshares, Inc.	$689.5M	8.8×	10.6×	+24.52% (above 0%: growing)	+11.61% (above 0%: growing)	+223.46% (above 0%: growing)	59.80%	0.00%	Compare
AROW Arrow Financial Corporation	$681.7M	11.9×	13.8×	+4.55% (above 0%: growing)	+1.54% (above 0%: growing)	+37.22% (above 0%: growing)	71.42%	0.00%	Compare
PFIS Peoples Financial Services Corp.	$681.2M	12.0×	9.2×	+3.78% (above 0%: growing)	−12.94% (below 0%: shrinking)	+54.41% (above 0%: growing)	70.19%	0.00%
CARE Carter Bankshares, Inc.	$671.8M	5.2×	4.6×	+44.00% (above 0%: growing)	+254.05% (above 0%: growing)	−3,522.21% (below 0%: shrinking)	76.12%	0.00%	Compare
MSBI Midland States Bancorp, Inc.	$670.3M	20.7×	9.1×	−7.83% (below 0%: shrinking)	+86.36% (above 0%: growing)	+9.48% (above 0%: growing)	74.46%	0.00%	Compare
RRBI Red River Bancshares, Inc.	$666.1M	14.5×	12.5×	+6.30% (above 0%: growing)	+18.54% (above 0%: growing)	+237.31% (above 0%: growing)	76.50%	0.00%	Compare
CCB Coastal Financial Corporation	$656.9M	— (loss-making)	16.0×	+37.72% (above 0%: growing)	n/m	+16.72% (above 0%: growing)	85.92%	0.00%	Compare
Median of peers	$676.7M	11.9×	11.5×	+15.41%	+11.61%	+26.97%	76.21%	0.00%

All 323 Banks Regional stocks →

Peoples Financial Services Corp. (PFIS) key facts

Strength: Peoples Financial Services Corp.’s revenue for fiscal 2025 (year ended December 2025) was $281.4 million, up 22.5% from fiscal 2024.
Peoples Financial Services Corp. (PFIS) is a Banks Regional company in the Financial sector, listed on Nasdaq.
As of October 16, 2026, PFIS traded at $68.30, a market capitalization of $681.2 million.
Peoples Financial Services Corp. pays an annual dividend of $2.49 per share, a yield of 3.65%, with a payout ratio of 44.1%.
Return on equity was 12.0% and debt-to-equity 0.46.
Its Piotroski F-score is 6 out of 9 for fiscal 2025.