Peoples Financial Services Corp. logo PFIS - Peoples Financial Services Corp.

Price: -- -- | CONSENSUS: Hold DETAILS
STRONG
BUY
0
BUY 0
HOLD 1
SELL 0
STRONG
SELL
0
| PRICE TARGET: $56.00 DETAILS
HIGH: $56.00
LOW: $56.00
MEDIAN: $56.00
CONSENSUS: $56.00
DOWNSIDE: 6.82%
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997
Revenue
Revenue 281.0 229.8 164.0 123.7 107.8 110.8 108.5 98.3 89.2 81.9 76.1 77.0 46.6 46.3 49.2 30.0 27.6 28.9 27.9 25.5 23.5 21.5 22.5 21.9 22.6 12.2 10.0 9.6 9.2
Cost of Revenue 93.8 114.6 63.7 15.1 11.2 21.7 24.0 17.5 13.5 12.3 9.7 10.2 6.5 6.3 9.7 8.7 9.0 9.9 11.4 11.1 8.6 8.1 7.9 8.5 10.0 10.7 8.7 8.4 8.0
Gross Profit 187.1 115.2 100.3 108.5 96.6 89.0 84.5 80.8 75.7 69.6 66.4 66.8 40.1 40.0 39.4 21.3 18.6 19.1 16.5 14.4 14.8 13.4 14.6 13.4 12.6 1.5 1.3 1.2 1.1
Operating Expenses
R&D Expenses 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
SG&A Expenses 83.8 48.9 37.4 34.9 30.9 31.0 32.0 29.5 27.5 23.5 21.5 20.7 16.0 14.1 14.0 5.5 8.1 6.6 4.8 4.5 4.2 3.8 3.7 3.3 3.0 2.8 2.5 2.4 2.3
Other Expenses 31.1 57.8 30.4 28.3 12.2 23.9 23.6 23.0 21.5 21.5 22.6 23.0 17.9 12.2 11.9 7.9 4.5 9.3 5.8 5.0 5.2 4.0 3.5 3.5 3.2 (6.4) (6.1) (5.5) (5.0)
Operating Expenses 114.9 106.7 67.8 63.2 43.1 54.9 55.6 52.5 49.0 45.0 44.1 43.7 33.9 26.4 25.9 13.4 12.6 15.9 10.6 9.5 9.4 7.9 7.2 6.8 6.2 (3.5) (3.6) (3.1) (2.7)
Operating Income
Operating Income 72.2 8.5 32.5 45.4 53.5 34.2 28.9 28.3 26.6 24.6 22.2 23.1 6.2 13.6 13.6 7.9 6.0 3.1 6.0 4.9 5.5 5.5 7.4 6.6 6.3 5.0 4.9 4.3 3.8
Interest Expense 93.7 95.5 63.1 15.6 9.4 14.3 17.9 13.3 8.7 7.3 6.0 6.6 4.2 5.4 7.3 6.5 7.3 9.2 11.1 10.8 8.2 7.1 7.6 8.3 10.0 10.5 8.5 8.2 7.9
Interest Income 259.7 211.4 149.8 111.3 94.0 94.0 93.3 84.6 74.2 68.9 63.0 63.9 37.3 37.5 39.6 25.6 24.3 25.5 24.6 22.7 20.7 19.8 19.9 20.5 20.9 20.0 17.6 16.6 15.7
Profitability
EBITDA 72.2 15.7 36.0 49.4 57.2 38.4 33.1 31.5 29.6 27.4 25.0 26.1 7.5 14.8 14.3 8.9 6.9 4.0 7.5 6.2 6.8 6.7 8.7 7.5 7.1 5.6 5.5 5.0 4.5
EBIT 72.2 8.5 32.5 45.4 53.5 34.2 28.9 28.3 26.6 24.6 22.2 23.1 6.2 13.6 13.6 7.9 6.0 3.1 6.0 4.9 5.5 5.5 7.4 6.6 6.3 5.0 4.9 4.3 3.8
Income Before Tax 72.2 8.5 32.5 45.4 53.5 34.2 28.9 28.3 26.6 24.6 22.2 23.1 6.2 13.6 13.6 7.9 6.0 3.1 6.0 4.9 5.5 5.5 7.4 6.6 6.3 5.0 4.9 4.3 3.8
Income Tax Expense 13.0 (0.0) 5.1 7.3 10.0 4.8 3.2 3.4 8.2 5.0 4.5 5.5 0.5 3.1 3.0 1.4 0.9 0.1 1.1 0.8 1.0 1.0 1.8 1.6 1.5 1.1 1.1 0.9 0.8
Net Income 59.2 8.5 27.4 38.1 43.5 29.4 25.7 24.9 18.5 19.6 17.7 17.6 5.7 10.6 10.5 6.5 5.0 3.0 4.9 4.1 4.5 4.5 5.6 5.0 4.8 3.9 3.8 3.4 3.0
Per Share Data
EPS (Basic) 5.92 1.00 3.85 5.31 6.05 4.02 3.72 3.37 2.50 2.65 2.36 2.34 1.07 2.37 2.36 2.07 1.61 0.97 1.55 1.31 1.42 1.41 1.76 1.59 1.52 1.20 1.16 1.04 0.92
EPS (Diluted) 5.88 0.99 3.83 5.28 6.01 4.00 3.72 3.37 2.50 2.65 2.36 2.34 1.07 2.37 3.37 2.06 1.61 0.97 1.55 1.31 1.41 1.40 1.75 1.59 1.52 1.20 1.16 1.04 0.92
Shares Outstanding 10.0 8.5 7.1 7.2 7.2 7.3 7.4 7.4 7.4 7.4 7.5 7.5 4.7 4.5 3.1 3.1 3.1 3.1 3.1 3.2 3.2 3.2 3.2 3.2 3.2 3.3 3.3 3.3 3.3
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2009 2008 2004 2003 2002 2001 2000 1999 1998 1997
Current Assets
Cash & Cash Equivalents 58.4 55.6 42.7 37.9 37.5 45.2 31.2 32.6 37.5 39.9 8.2 8.0 6.0 6.1 6.3 7.3 7.6 7.5 4.8 5.5
Short-Term Investments 201.2 267.6 398.9 477.7 517.3 295.9 330.5 269.7 272.5 259.4 0 0 0 0 0 0 0 0 0 0
Net Receivables 17.6 15.6 12.7 11.7 8.5 8.3 7.0 7.1 6.9 6.2 2.6 2.5 2.0 2.0 2.2 2.3 2.4 2.0 1.8 1.8
Inventory 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Assets 9.3 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Total Current Assets 286.6 352.9 463.9 532.7 563.4 349.4 368.6 309.4 317.0 305.6 10.7 10.5 8.0 8.1 8.5 9.6 10.0 9.5 6.6 7.3
Non-Current Assets
Property, Plant & Equipment 78.5 73.3 61.3 55.7 51.5 47.0 47.9 38.9 37.6 33.3 7.5 7.5 4.9 4.4 3.8 3.4 3.4 3.5 3.5 3.8
Goodwill 76.0 76.0 63.4 63.4 63.4 63.4 63.4 63.4 63.4 63.4 0 0 0 0 0 0 0 0 0 0
Intangible Assets 27.7 35.5 0.9 1.0 1.4 1.8 2.3 3.0 3.9 4.9 0.6 0.8 2.0 2.0 2.2 0 0 0 0 0
Long-Term Investments 4,625.2 4,334.6 2,937.5 2,821.2 2,388.3 2,180.5 1,944.1 1,826.7 1,699.2 1,544.1 463.5 421.2 355.7 350.4 325.2 292.7 269.9 242.7 232.7 213.3
Other Non-Current Assets 159.3 183.6 201.6 60.9 296.2 237.9 45.6 42.5 44.2 42.6 34.2 32.3 8.9 6.2 6.9 9.7 4.3 5.7 4.4 4.4
Total Non-Current Assets 4,993.3 4,738.7 3,278.4 3,020.8 2,806.1 2,534.4 2,106.7 1,979.6 1,852.1 1,693.9 505.7 461.9 371.4 363.2 338.3 305.8 277.7 251.9 240.6 221.4
Total Assets 5,270.6 5,091.7 3,742.3 3,553.5 3,369.5 2,883.8 2,475.3 2,288.2 2,170.3 1,999.7 516.5 472.4 379.4 371.3 346.8 315.3 287.6 261.3 247.2 228.7
Current Liabilities
Account Payables 0 5.5 5.8 0.9 0.4 0.7 1.3 1.2 0.5 0.5 0.4 1.6 0.6 0.6 0.7 0.7 0 0 0 0
Short-Term Debt 32.7 15.9 17.6 114.9 0 50 152.2 86.5 123.7 82.7 20.4 18.4 14.6 7.1 13.1 21.3 7.2 5.9 4.0 9.3
Deferred Revenue 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Liabilities (6.8) 4,407.6 3,279.0 3,046.6 2,963.4 2,437.1 1,971.5 1,875.0 1,719.0 1,588.8 410.0 371.3 274.8 279.7 259.2 238.9 230.7 215.4 209.9 193.6
Total Current Liabilities 32.7 4,429.0 3,302.4 3,162.4 2,963.8 2,487.8 2,124.9 1,962.7 1,843.2 1,671.9 430.9 391.3 289.9 287.4 273.0 260.9 238.0 221.3 213.9 202.9
Non-Current Liabilities
Long-Term Debt 225.7 139.7 58 33.6 35.7 47.8 32.7 37.9 49.7 58.1 38.8 39.7 46.0 42.0 34.7 20 17.5 12 5 0
Deferred Tax Liabilities 0 0 0 0 0 0 0 2.8 0 0 0 0 0 0 0 0 0 0 0 0
Other Non-Current Liabilities 4,492.3 54.1 41.5 42.2 29.8 31.3 18.7 9.8 0 12.8 1.8 1.6 1.0 0.9 0.8 0.7 1.3 1.2 1.2 1.2
Total Non-Current Liabilities 4,718.0 193.8 99.5 75.7 65.6 79.1 51.4 47.7 60.9 70.9 40.6 41.3 47.1 42.8 35.6 20.7 18.8 13.2 6.2 1.2
Total Liabilities 4,750.7 4,622.7 3,401.9 3,238.2 3,029.4 2,566.9 2,176.3 2,009.1 1,905.3 1,743.0 471.5 432.7 337.0 330.2 308.5 281.6 256.8 234.5 220.2 204.1
Stockholders' Equity
Common Stock 20.0 20.0 14.1 14.3 14.3 14.4 14.8 14.8 14.8 14.8 6.7 6.7 6.7 6.7 4.5 4.5 4.5 4.5 4.5 4.5
Retained Earnings 273.5 239.0 248.6 230.5 203.8 171.0 152.2 136.6 121.4 111.1 42.0 39.4 35.7 33.5 30.0 26.9 23.5 21.0 18.3 15.9
Accumulated Other Comprehensive Income (24.7) (40.7) (44.4) (56.3) (5.5) 2.1 (3.2) (8.1) (6.2) (4.2) (2.3) (4.8) 0.6 1.0 2.1 0.5 (0.1) (2.1) 0.6 0.4
Total Stockholders' Equity 519.8 468.9 340.4 315.4 340.1 316.9 299.0 279.1 265.0 256.6 45.0 39.7 42.4 41.1 38.3 33.8 30.9 26.8 27.0 24.6
Total Liabilities & Equity 5,270.6 5,091.7 3,742.3 3,553.5 3,369.5 2,883.8 2,475.3 2,288.2 2,170.3 1,999.7 516.5 472.4 379.4 371.3 346.8 315.3 287.6 261.3 247.2 228.7
Debt Metrics
Total Debt 258.4 155.6 75.6 148.5 35.7 97.8 184.9 124.4 173.4 140.8 59.2 58.1 60.6 49.0 47.9 41.3 24.7 17.9 9.0 9.3
Net Debt 200.0 100.0 32.9 110.6 (1.8) 52.6 153.7 91.8 135.9 100.9 51.0 50.2 54.6 43.0 41.5 34.1 17.1 10.4 4.2 3.7
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2005 2004 2003 2002 2001 2000 1999 1998 1997
Operating Activities
Net Income 59.2 8.5 27.4 38.1 43.5 29.4 25.7 24.9 18.5 19.6 4.5 4.5 5.6 5.0 4.8 3.9 3.8 3.4 3.0
Depreciation & Amortization 0 7.2 3.5 4.0 3.6 4.2 4.2 3.2 3.0 2.8 1.3 1.2 1.3 1.0 0.7 0.6 0.6 0.7 0.6
Stock-Based Compensation 0 0.8 0.9 0.5 0.5 0.6 0.6 0.3 0.2 0.1 0 0 0 0 0 0 0 0 0
Change in Working Capital (3.5) 11.6 (1.1) (4.4) 2.4 (0.5) (0.8) (0.4) (0.5) (1.6) 0.1 0.3 1.3 (0.0) (1.6) (0.3) (0.2) 0.0 (0.3)
Other Non-Cash Items (1.4) 9.5 1.3 3.5 (9.8) 5.3 6.9 5.3 5.8 8.6 (0.3) 1.7 (0.6) 0.5 (0.1) 0.3 0.1 0.2 0.1
Operating Cash Flow 54.3 33.9 33.3 42.4 40.8 37.2 37.1 32.6 28.6 28.1 5.9 7.4 7.5 6.4 3.8 4.4 4.3 4.4 3.5
Investing Activities
Capital Expenditure (10.9) (2.6) (5.9) (7.8) (4.9) (2.3) (5.6) (4.1) (6.2) (6.8) (1.4) (0.9) (1.0) (0.8) (0.3) (0.3) (0.3) (0.2) (5.1)
Acquisitions 0 28.1 0 0 12.2 0 0 0 2.3 0 0 0 0 0 0 0 0 0 0
Purchases of Investments 0 (4.8) 0 (138.7) (358.6) (107.2) (124.5) (32.7) (73.5) (64.1) (41.5) (40.8) (69.4) (55.9) (37.4) (22.8) (33.4) (34.2) (73.6)
Sales/Maturities of Investments 0 307.4 98.9 90.4 60.4 150.2 67.9 32.0 57.0 82.1 44.1 41.3 57.6 52.2 37.3 18.1 30.4 29.4 75.7
Other Investing Activities (24.4) 59.0 (118.7) (411.7) (149.2) (241.9) (122.5) (130.0) (164.2) (197.6) (14.8) (11.0) (15.1) (27.6) (25.7) (19.7) (11.3) (14.9) (40.2)
Investing Cash Flow (24.4) 387.1 (25.8) (467.8) (440.1) (201.2) (184.7) (134.8) (184.6) (186.4) (13.7) (11.3) (27.8) (32.1) (26.2) (24.7) (14.7) (19.9) (39.4)
Financing Activities
Net Debt Issuance 102.1 (154.7) (72.9) 112.8 (62.1) (87.1) 60.5 (49.0) 32.6 42.2 (8.0) 11.6 1.2 6.5 16.6 22.2 14.4 16.0 39.2
Stock Repurchased 0 0 (5.9) (1.3) (2.4) (6.9) (0.6) 0 0 (0.6) (0.4) (0.8) 0 0 0 (0.7) (0.4) (0.2) (0.1)
Dividends Paid (24.6) (18.1) (11.7) (11.3) (10.8) (10.5) (10.1) (9.7) (9.3) (9.2) (5.5) (2.3) (2.1) (1.9) (1.5) (1.3) (1.1) (1.0) (0.7)
Other Financing Activities 25.8 (299.8) 232.4 83.2 526.3 465.6 96.5 156.0 130.3 132.9 22.2 (4.9) 20.5 20.3 8.2 0 0 0 0
Financing Cash Flow 103.3 (472.6) 142.0 183.4 451.1 361.1 146.2 97.3 153.5 165.3 8.5 3.9 20.0 24.8 22.1 20.4 13.0 14.9 38.4
Cash Position
Net Change in Cash 133.1 (51.5) 149.5 (242.1) 51.7 197.0 (1.5) (4.9) (2.5) 7.0 0.7 (0.1) (0.3) (0.9) (0.3) 0.1 2.7 (0.7) 2.5
Cash at Beginning 135.9 187.4 37.9 279.9 228.2 31.2 32.6 37.5 39.9 32.9 6.0 6.1 6.3 7.3 7.6 7.5 4.8 5.5 3.1
Cash at End 269.0 135.9 187.4 37.9 279.9 228.2 31.2 32.6 37.5 39.9 6.7 6.0 6.1 6.3 7.3 7.6 7.5 4.8 5.5
Free Cash Flow 43.3 31.3 27.3 34.5 35.9 34.9 31.5 28.6 22.3 21.3 4.5 6.5 6.6 5.6 3.4 4.1 4.0 4.1 (1.6)
Key Metrics 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997
Income Statement
Revenue 281.0 229.8 164.0 123.7 107.8 110.8 108.5 98.3 89.2 81.9 76.1 77.0 46.6 46.3 49.2 30.0 27.6 28.9 27.9 25.5 23.5 21.5 22.5 21.9 22.6 12.2 10.0 9.6 9.2
Gross Profit 187.1 115.2 100.3 108.5 96.6 89.0 84.5 80.8 75.7 69.6 66.4 66.8 40.1 40.0 39.4 21.3 18.6 19.1 16.5 14.4 14.8 13.4 14.6 13.4 12.6 1.5 1.3 1.2 1.1
Operating Income 72.2 8.5 32.5 45.4 53.5 34.2 28.9 28.3 26.6 24.6 22.2 23.1 6.2 13.6 13.6 7.9 6.0 3.1 6.0 4.9 5.5 5.5 7.4 6.6 6.3 5.0 4.9 4.3 3.8
Net Income 59.2 8.5 27.4 38.1 43.5 29.4 25.7 24.9 18.5 19.6 17.7 17.6 5.7 10.6 10.5 6.5 5.0 3.0 4.9 4.1 4.5 4.5 5.6 5.0 4.8 3.9 3.8 3.4 3.0
EPS (Diluted) 5.88 0.99 3.83 5.28 6.01 4.00 3.72 3.37 2.50 2.65 2.36 2.34 1.07 2.37 3.37 2.06 1.61 0.97 1.55 1.31 1.41 1.40 1.75 1.59 1.52 1.20 1.16 1.04 0.92
Balance Sheet
Cash & Equivalents 58.4 55.6 42.7 37.9 37.5 45.2 31.2 32.6 37.5 39.9 8.2 8.0 6.0 6.1 6.3 7.3 7.6 7.5 4.8 5.5
Total Assets 5,270.6 5,091.7 3,742.3 3,553.5 3,369.5 2,883.8 2,475.3 2,288.2 2,170.3 1,999.7 516.5 472.4 379.4 371.3 346.8 315.3 287.6 261.3 247.2 228.7
Total Debt 258.4 155.6 75.6 148.5 35.7 97.8 184.9 124.4 173.4 140.8 59.2 58.1 60.6 49.0 47.9 41.3 24.7 17.9 9.0 9.3
Stockholders' Equity 519.8 468.9 340.4 315.4 340.1 316.9 299.0 279.1 265.0 256.6 45.0 39.7 42.4 41.1 38.3 33.8 30.9 26.8 27.0 24.6
Cash Flow
Operating Cash Flow 54.3 33.9 33.3 42.4 40.8 37.2 37.1 32.6 28.6 28.1 5.9 7.4 7.5 6.4 3.8 4.4 4.3 4.4 3.5
Capital Expenditure (10.9) (2.6) (5.9) (7.8) (4.9) (2.3) (5.6) (4.1) (6.2) (6.8) (1.4) (0.9) (1.0) (0.8) (0.3) (0.3) (0.3) (0.2) (5.1)
Free Cash Flow 43.3 31.3 27.3 34.5 35.9 34.9 31.5 28.6 22.3 21.3 4.5 6.5 6.6 5.6 3.4 4.1 4.0 4.1 (1.6)