PEOPLES FINANCIAL SERVICES (PFIS)
US7110401053 - Common Stock
PFIS gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 412 industry peers in the Banks industry. PFIS scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. PFIS has a correct valuation and a medium growth rate. PFIS also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year PFIS was profitable.
In the past year PFIS had a positive cash flow from operations.
Each year in the past 5 years PFIS has been profitable.
Each year in the past 5 years PFIS had a positive operating cash flow.
1.2 Ratios
PFIS has a worse Return On Assets (0.73%) than 62.14% of its industry peers.
PFIS has a Return On Equity (8.05%) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.73% | ||
| ROE | 8.05% | ||
| ROIC | N/A |
ROA(3y)1.03%
ROA(5y)1.03%
ROE(3y)10.97%
ROE(5y)10.16%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
With a decent Profit Margin value of 27.17%, PFIS is doing good in the industry, outperforming 66.50% of the companies in the same industry.
PFIS's Profit Margin has declined in the last couple of years.
PFIS does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 27.17% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-3.81%
PM growth 5Y-1.52%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
PFIS does not have a ROIC to compare to the WACC, probably because it is not profitable.
PFIS has less shares outstanding than it did 1 year ago.
PFIS has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, PFIS has an improved debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of PFIS is 1.21, which is an excellent value as it means it would take PFIS, only 1.21 years of fcf income to pay off all of its debts.
PFIS has a better Debt to FCF ratio (1.21) than 72.82% of its industry peers.
PFIS has a Debt/Equity ratio of 0.10. This is a healthy value indicating a solid balance between debt and equity.
PFIS has a Debt to Equity ratio of 0.10. This is in the better half of the industry: PFIS outperforms 77.18% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | 1.21 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC19.83%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for PFIS have decreased strongly by -26.75% in the last year.
The Earnings Per Share has been growing slightly by 2.58% on average over the past years.
Looking at the last year, PFIS shows a decrease in Revenue. The Revenue has decreased by -6.31% in the last year.
The Revenue has been growing slightly by 3.49% on average over the past years.
EPS 1Y (TTM)-26.75%
EPS 3Y-1.61%
EPS 5Y2.58%
EPS growth Q2Q-59.06%
Revenue 1Y (TTM)-6.31%
Revenue growth 3Y1.53%
Revenue growth 5Y3.49%
Revenue growth Q2Q-8.41%
3.2 Future
The Earnings Per Share is expected to grow by 15.18% on average over the next years. This is quite good.
Based on estimates for the next years, PFIS will show a very strong growth in Revenue. The Revenue will grow by 27.40% on average per year.
EPS Next Y1.8%
EPS Next 2Y15.18%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year36.01%
Revenue Next 2Y27.4%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 9.83, the valuation of PFIS can be described as very reasonable.
The rest of the industry has a similar Price/Earnings ratio as PFIS.
The average S&P500 Price/Earnings ratio is at 28.28. PFIS is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 9.65, the valuation of PFIS can be described as reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of PFIS indicates a somewhat cheap valuation: PFIS is cheaper than 65.05% of the companies listed in the same industry.
PFIS's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 20.88.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.83 | ||
| Fwd PE | 9.65 |
4.2 Price Multiples
PFIS's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.23 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PFIS's earnings are expected to grow with 15.18% in the coming years. This may justify a more expensive valuation.
PEG (NY)5.47
PEG (5Y)3.8
EPS Next 2Y15.18%
EPS Next 3YN/A
5. Dividend
5.1 Amount
PFIS has a Yearly Dividend Yield of 4.26%, which is a nice return.
PFIS's Dividend Yield is a higher than the industry average which is at 3.78.
PFIS's Dividend Yield is rather good when compared to the S&P500 average which is at 2.41.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.26% |
5.2 History
The dividend of PFIS has a limited annual growth rate of 4.57%.
PFIS has paid a dividend for at least 10 years, which is a reliable track record.
PFIS has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)4.57%
Div Incr Years7
Div Non Decr Years17
5.3 Sustainability
42.57% of the earnings are spent on dividend by PFIS. This is a bit on the high side, but may be sustainable.
PFIS's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP42.57%
EPS Next 2Y15.18%
EPS Next 3YN/A
PEOPLES FINANCIAL SERVICES
NASDAQ:PFIS (5/3/2024, 7:11:52 PM)
After market: 39.6 0 (0%)39.6
+1.1 (+2.86%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap279.58M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.26% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
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EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
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Min Revenue beat(4)
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Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
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Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.83 | ||
| Fwd PE | 9.65 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)5.47
PEG (5Y)3.8
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.73% | ||
| ROE | 8.05% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 27.17% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-26.75%
EPS 3Y-1.61%
EPS 5Y
EPS growth Q2Q
EPS Next Y1.8%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-6.31%
Revenue growth 3Y1.53%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y