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Peoples Financial Services Corp. (PFIS) vs VersaBank (VBNK)

Peoples Financial Services Corp. and VersaBank are both Banks Regional companies. Peoples Financial Services Corp. and VersaBank are of similar size ($730.2M and $724.9M). Peoples Financial Services Corp. trades at the lower P/E: 12.9× against 29.4×. VersaBank grew revenue faster over the last twelve months: 14.5% against 0.46%. Peoples Financial Services Corp. has the higher net margin (19.8% vs 9.94%) and the lower return on invested capital (8.38% vs 41.3%). Both pay a dividend; Peoples Financial Services Corp. yields more (3.40% vs 0.32%). Across the 19 metrics below, Peoples Financial Services Corp. leads on 14 and VersaBank on 5.

Valuation

Metric PFIS VBNK Banks Regional median
P/E 12.91 29.45 12.02
P/S 2.56 2.93 2.36
P/B 1.37 1.78 1.23
Price to free cash flow 14.79 102.57 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.74% 3.40% 8.21%
Free cash flow yield 6.76% 0.97% 9.23%

Profitability

Metric PFIS VBNK Banks Regional median
Gross margin 68.05% 43.56% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 19.78% 9.94% 18.82%
Free cash flow margin 17.28% 2.86% 17.97%
Return on equity 11.02% 6.20% 10.28%
Return on assets 1.08% 0.55% 1.13%
Return on invested capital 8.38% 41.26% 8.45%

Growth

Metric PFIS VBNK Banks Regional median
Revenue growth (TTM) 0.46% 14.54% 6.37%
EPS growth (last fiscal year) 493.94% (41.28%) 18.85%
Revenue growth, 5-year CAGR 20.50% 27.64% 12.65%
Net income growth, 5-year CAGR 15.06% 9.64% 9.81%

Health

Metric PFIS VBNK Banks Regional median
Debt to equity 0.46 0.00 0.17
Current ratio 0.99 1.11 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric PFIS VBNK Banks Regional median
Dividend yield 3.40% 0.32% 2.49%
Payout ratio 0.44 0.09 0.29

Size

Metric PFIS VBNK Banks Regional median
Market cap 730.15m 724.91m 934.85m

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