Peoples Financial Services Corp. PFIS R2K

Financial Services · Banks - Regional · United States

https://www.psbt.com

Peoples Financial Services Corp. operates as the bank holding company for Peoples Security Bank and Trust Company that provides commercial and retail banking services in Pennsylvania, New Jersey and New York. The company accepts deposits through money market, negotiable order of withdrawal, savings, individual retirement, demand deposit, and certificates of deposit accounts. It also provides residential real estate, automobile, manufactured housing, personal, and home equity loans; and commercial real estate and working capital, as well as loans for equipment and other commercial needs. In addition, the company offers fiduciary and investment services, including investment management, IRA trustee, estate administration, living and life insurance trust, trustee under will, guardianship, custodial/IRA custodial, and corporate trust services, as well as pension and profit-sharing plans. Further, it provides wealth management products and services comprising investment portfolio management, estate and business succession planning, annuities, insurance, retirement plan, and tax planning, as well as education funding strategies; and securities, brokerage, and investor services. Additionally, the company offers remote deposit capture, automatic clearing house transaction, cash management, automated teller machine, point of sale transaction, safe deposit box, night depository, direct deposit, and official check services. It serves business, non-profit, governmental, municipal agency, and professional customers, as well as retail customers. The company was founded in 1905 and is headquartered in Moosic, Pennsylvania.

Market & Price

Market Cap

$594.75M

Current Price

$59.41

High / Low (52W)

$59.47 / $43.04

Beta

0.76

Valuation

Stock P/E

10.14

Industry PE

12.01

Forward P/E

8.14

PEG Ratio

1.31

Book Value

$52.49

Price to Book

1.13

P/S

3.12

EV/EBITDA

Dividend Yield

4.18%

Profitability & Returns

ROCE

ROE

11.70%

ROA

1.13%

Profit Margin

30.95%

Op Margin

42.97%

EPS (Latest Qtr)

$1.47

EPS (TTM)

$5.86

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

$419.62M

Total Assets

$5.27B

Current Assets

Working Capital

Ownership

Promoter Holding

8.11%

Chg in Prom Hold

FII / Inst Holding

32.30%

Chg in FII Hold

Financial Snapshot

Enterprise Value

$671.39M

Total Revenue (TTM)

$190.36M

EBITDA

Free Cash Flow

Operating Cash Flow

$53.50M

Shares Outstanding

10.01M

Gross Margin

0.00%

Payout Ratio

42.28%

Growth (CAGR)

Revenue 5Y

20.22%

Profit 5Y

15.83%

Revenue (YoY)

6.10%

Earnings (YoY)

-1.30%

PROS

Excellent profit margin of 31.0%.
Compounding revenue at 20.2% over 5 years.
Profit CAGR of 15.8% over 5 years.
Attractive dividend yield of 4.18%.
In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	PFIS Peoples Financial Services Corp. R2K	59.41	10.14	$594.75M	4.18%	-	11.70%	20.22%	15.83%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Sep 2015	Dec 2015	Mar 2016	Jun 2016	Sep 2016	Dec 2016	Mar 2017	Jun 2017	Sep 2017	Dec 2017	Mar 2018	Jun 2018	Sep 2018	Dec 2018	Mar 2019	Jun 2019	Sep 2019	Dec 2019	Mar 2020	Jun 2020	Sep 2020	Dec 2020	Mar 2021	Jun 2021	Sep 2021	Mar 2022	Jun 2022	Sep 2022	Mar 2023	Jun 2023	Sep 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	45.12M	48.44M	47.30M	46.89M	49.77M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	22.88M	23.14M	23.98M	23.74M	21.84M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	18.25M	20.42M	18.84M	14.72M	18.52M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	3.24M	3.46M	3.60M	2.74M	3.77M
Net Income	4.41M	3.84M	4.88M	4.86M	5.12M	4.73M	4.80M	5.66M	5.35M	2.65M	5.85M	5.96M	6.72M	6.39M	6.41M	7.14M	7.15M	5.03M	5.28M	7.58M	8.31M	8.19M	9.48M	8.53M	9.10M	9.63M	9.35M	9.97M	7.58M	9.43M	6.75M	3.47M	3.28M	-	-	15.01M	16.96M	15.25M	11.98M	14.75M
Diluted EPS	0.58	-	0.66	0.66	0.69	-	0.65	0.76	0.72	-	0.79	0.81	0.91	-	0.87	0.96	0.96	0.68	1.74	1.03	1.14	1.13	1.31	1.18	1.26	1.33	1.30	1.38	1.05	1.31	0.95	0.49	0.46	-	-	1.49	1.68	1.51	1.19	1.47

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	108.07M	100.91M	134.49M	187.76M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	15.59M	63.10M	95.47M	93.73M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	45.37M	32.50M	8.47M	72.23M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	7.28M	5.12M	-30.00K	13.05M
Net Income	5.05M	6.49M	10.53M	10.59M	5.72M	17.65M	17.72M	19.58M	18.46M	24.92M	25.74M	29.35M	-	38.09M	27.38M	8.50M	59.19M
Diluted EPS	1.61	2.06	2.36	2.37	1.21	2.34	2.36	2.65	2.50	3.37	3.47	4.00	-	5.28	3.83	0.99	5.88

Compounded Sales Growth

5 Years:	20.22%
1 Year:	6.10%

Compounded Profit Growth

5 Years:	15.83%
1 Year:	-1.30%

Stock Price Performance

1 Year:	+29.42%
6 Months:	+24.57%
3 Months:	+12.01%
1 Month:	+6.09%

Balance Sheet (Annual)

Figures in USD.

Metric	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	-	-	558.59M	621.40M	918.04M	1.69B	1.74B	1.82B	2.00B	2.17B	2.29B	2.48B	2.88B	3.37B	3.55B	3.74B	5.09B	5.27B
Current Assets	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash & Equivalents	18.53M	18.91M	14.22M	34.48M	47.84M	51.31M	31.43M	32.92M	39.94M	37.49M	-	-	-	-	37.87M	42.66M	55.62M	67.74M
Inventory	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	-	-	-	-	-	-	-	-	11.71M	12.73M	15.63M	17.63M
Total Liabilities	-	-	508.07M	561.79M	785.60M	1.45B	1.49B	1.57B	1.74B	1.90B	2.01B	2.18B	2.57B	3.03B	3.24B	3.40B	4.62B	4.75B
Current Liabilities	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Long Term Debt	-	-	27.34M	18.93M	45.40M	36.74M	33.14M	60.35M	58.13M	49.73M	37.91M	32.73M	-	-	33.55M	58.00M	139.68M	225.68M
Total Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	148.49M	75.59M	155.58M	258.40M
Total Equity	39.72M	44.97M	120.47M	127.33M	132.45M	238.79M	246.78M	248.77M	256.62M	264.98M	278.61M	299.01M	316.88M	340.13M	315.35M	340.42M	468.95M	519.85M
Shares Outstanding	-	-	-	-	-	-	-	-	-	-	-	-	-	-	7.16M	7.04M	9.99M	9.99M

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	4.17M	11.21M	13.94M	12.60M	9.81M	-	29.18M	28.05M	28.59M	32.63M	37.08M	37.18M	-	42.36M	33.25M	34.73M	54.27M
Investing Cash Flow	-41.32M	-45.49M	11.20M	19.66M	-14.92M	-	-89.42M	-186.36M	-184.56M	-134.81M	-184.72M	-201.24M	-	-467.82M	-25.75M	386.35M	-24.44M
Financing Cash Flow	37.54M	33.20M	-4.87M	-18.90M	8.57M	-	61.73M	165.33M	153.52M	97.31M	146.18M	361.10M	-	183.40M	142.00M	-472.58M	103.30M
Capital Expenditure	-658.00K	-1.45M	-739.00K	-2.90M	-614.00K	-1.07M	-4.42M	-6.76M	-6.25M	-4.07M	-5.60M	-2.29M	-	-7.83M	-5.92M	-2.58M	-10.93M
Free Cash Flow	3.51M	9.76M	13.20M	9.71M	9.20M	-	24.76M	21.29M	22.35M	28.56M	31.48M	34.89M	-	34.53M	27.33M	32.15M	43.34M
Net Change in Cash	-	-	-	-	-	-	-	-	-	-	-	-	-	-242.06M	149.50M	-51.51M	133.13M
Share Buybacks	-	-	835.00K	-	-	70.00K	-	-	-	-	-	-	-	-	-	-	-
Dividends Paid	2.38M	2.48M	5.50M	5.50M	5.51M	9.36M	9.32M	9.17M	9.32M	-	-	-	-	-	-	-	-

Ratios (Annual)

Figures in %.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Gross Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	35.2%	27.1%	6.3%	31.5%
ROE %	11.2%	5.4%	8.3%	8.0%	2.4%	7.2%	7.1%	7.6%	7.0%	8.9%	8.6%	9.3%	-	12.1%	8.0%	1.8%	11.4%
ROCE %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

Shareholding Pattern

Insiders

8.11%

Institutions

32.30%

Public Float

35.15%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Blackrock Inc.	6.34%	634.70K	$37.71M
2	Vanguard Capital Management LLC	3.92%	392.03K	$23.29M
3	Dimensional Fund Advisors LP	3.16%	316.62K	$18.81M
4	Geode Capital Management, LLC	2.35%	235.37K	$13.98M
5	State Street Corporation	2.00%	200.44K	$11.91M
6	American Century Companies Inc	1.19%	119.03K	$7.07M
7	Peoples Financial Services Corp	0.91%	91.04K	$5.41M
8	Bridgeway Capital Management, LLC	0.79%	78.71K	$4.68M
9	Northern Trust Corporation	0.74%	74.17K	$4.41M
10	Vanguard Fiduciary Trust Co	0.61%	61.18K	$3.63M

Analyst View

Loading analyst coverage…

Latest News

Recent headlines for PFIS

No recent headlines available.

PFIS · Financial Services