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Peoples Financial Services Corp. (PFIS) vs Shore Bancshares Inc (SHBI)

Peoples Financial Services Corp. and Shore Bancshares Inc are both Banks Regional companies. Peoples Financial Services Corp. and Shore Bancshares Inc are of similar size ($744.8M and $730.2M). Shore Bancshares Inc trades at the lower P/E: 10.9× against 12.9×. Shore Bancshares Inc grew revenue faster over the last twelve months: 2.75% against 0.46%. Peoples Financial Services Corp. has the higher net margin (19.8% vs 19.7%) and the lower return on invested capital (8.38% vs 22.4%). Both pay a dividend; Peoples Financial Services Corp. yields more (3.40% vs 2.32%). Across the 18 metrics below, Shore Bancshares Inc leads on 14 and Peoples Financial Services Corp. on 4.

Valuation

Metric PFIS SHBI Banks Regional median
P/E 12.91 10.93 12.02
P/S 2.56 2.15 2.36
P/B 1.37 1.21 1.23
Price to free cash flow 14.79 9.31 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.74% 9.15% 8.21%
Free cash flow yield 6.76% 10.74% 9.23%

Profitability

Metric PFIS SHBI Banks Regional median
Gross margin 68.05% 69.87% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 19.78% 19.69% 18.82%
Free cash flow margin 17.28% 23.08% 17.97%
Return on equity 11.02% 11.47% 10.28%
Return on assets 1.08% 1.08% 1.13%
Return on invested capital 8.38% 22.41% 8.45%

Growth

Metric PFIS SHBI Banks Regional median
Revenue growth (TTM) 0.46% 2.75% 6.37%
EPS growth (last fiscal year) 493.94% 34.85% 18.85%
Revenue growth, 5-year CAGR 20.50% 37.23% 12.65%
Net income growth, 5-year CAGR 15.06% 30.49% 9.81%

Health

Metric PFIS SHBI Banks Regional median
Debt to equity 0.46 0.14 0.17
Current ratio 0.99 0.94 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric PFIS SHBI Banks Regional median
Dividend yield 3.40% 2.32% 2.49%
Payout ratio 0.44 0.25 0.29

Size

Metric PFIS SHBI Banks Regional median
Market cap 730.15m 744.76m 934.85m

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