AGI, Inc. (AGBK) vs Peoples Financial Services Corp. (PFIS)

AGI, Inc. and Peoples Financial Services Corp. are both Banks Regional companies. AGI, Inc. and Peoples Financial Services Corp. are of similar size ($769.3M and $730.2M). Across the 7 metrics below, Peoples Financial Services Corp. leads on 5 and AGI, Inc. on 2.

Valuation

Metric AGBK PFIS Banks Regional median
P/E — 11.90 11.87
P/S n/m 2.46 2.35
P/B 0.73 1.36 1.23
Price to free cash flow n/m 14.55 10.45
EV/EBITDA n/m — —
EV/Sales n/m — —
Earnings yield — 8.40% 8.34%
Free cash flow yield (56.35%) 6.87% 9.37%

Profitability

Metric AGBK PFIS Banks Regional median
Gross margin — 68.69% 69.92%
Operating margin — 0.00% 0.00%
Net margin — 20.67% 18.99%
Free cash flow margin 0.00% 0.00% 18.19%
Return on equity 0.00% 11.68% 10.45%
Return on assets 0.00% 1.13% 1.15%
Return on invested capital 0.00% 0.00% 8.54%

Growth

Metric AGBK PFIS Banks Regional median
Revenue growth (TTM) — 3.94% 6.56%
EPS growth (last fiscal year) 17.90% 493.94% 18.85%
Revenue growth, 5-year CAGR — 20.50% 12.65%
Net income growth, 5-year CAGR — 15.06% 9.81%

Health

Metric AGBK PFIS Banks Regional median
Debt to equity 0.31 0.00 0.14
Current ratio 1.51 0.99 0.92
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric AGBK PFIS Banks Regional median
Dividend yield — 3.46% 2.51%
Payout ratio — 0.41 0.30

Size

Metric AGBK PFIS Banks Regional median
Market cap 769.26m 730.15m 915.17m

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