49.73 USD
-0.29 (-0.58%)
49.73 USD
0 (0%)
Taking everything into account, PFIS scores 5 out of 10 in our fundamental rating. PFIS was compared to 387 industry peers in the Banks industry. PFIS has a medium profitability rating, but doesn't score so well on its financial health evaluation. PFIS is growing strongly while it is still valued neutral. This is a good combination! Finally 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.
In the past 5 years PFIS has always been profitable.
Each year in the past 5 years PFIS had a positive operating cash flow.
1.2 Ratios
The Return On Assets of PFIS (1.03%) is better than 63.05% of its industry peers.
PFIS has a Return On Equity of 10.43%. This is in the better half of the industry: PFIS outperforms 66.93% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.03% | ||
| ROE | 10.43% | ||
| ROIC | N/A |
ROA(3y)0.65%
ROA(5y)0.85%
ROE(3y)7.28%
ROE(5y)8.78%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
With a decent Profit Margin value of 28.68%, PFIS is doing good in the industry, outperforming 73.64% of the companies in the same industry.
In the last couple of years the Profit Margin of PFIS has declined.
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) | 28.68% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-45.68%
PM growth 5Y-25.92%
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.
The number of shares outstanding for PFIS has been increased compared to 1 year ago.
Compared to 5 years ago, PFIS has more shares outstanding
The debt/assets ratio for PFIS has been reduced compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of PFIS is 2.58, which is a good value as it means it would take PFIS, 2.58 years of fcf income to pay off all of its debts.
PFIS's Debt to FCF ratio of 2.58 is in line compared to the rest of the industry. PFIS outperforms 41.60% of its industry peers.
PFIS has a Debt/Equity ratio of 0.18. This is a healthy value indicating a solid balance between debt and equity.
PFIS has a Debt to Equity ratio (0.18) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.18 | ||
| Debt/FCF | 2.58 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC20.37%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
PFIS shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 68.14%, which is quite impressive.
PFIS shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -22.23% yearly.
The Revenue has grown by 62.91% in the past year. This is a very strong growth!
The Revenue has been growing by 8.19% on average over the past years. This is quite good.
EPS 1Y (TTM)68.14%
EPS 3Y-45.27%
EPS 5Y-22.23%
EPS Q2Q%-7.93%
Revenue 1Y (TTM)62.91%
Revenue growth 3Y6.82%
Revenue growth 5Y8.19%
Sales Q2Q%53.02%
3.2 Future
The Earnings Per Share is expected to grow by 23.59% on average over the next years. This is a very strong growth
Based on estimates for the next years, PFIS will show a quite strong growth in Revenue. The Revenue will grow by 15.74% on average per year.
EPS Next Y68.56%
EPS Next 2Y30.69%
EPS Next 3Y23.59%
EPS Next 5YN/A
Revenue Next Year39.29%
Revenue Next 2Y20.86%
Revenue Next 3Y15.74%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
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
A Price/Earnings ratio of 8.72 indicates a reasonable valuation of PFIS.
Based on the Price/Earnings ratio, PFIS is valued cheaply inside the industry as 91.21% of the companies are valued more expensively.
PFIS's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.49.
With a Price/Forward Earnings ratio of 7.72, the valuation of PFIS can be described as very cheap.
88.63% of the companies in the same industry are more expensive than PFIS, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.69, PFIS is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.72 | ||
| Fwd PE | 7.72 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, PFIS is valued a bit more expensive than 60.21% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.09 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PFIS's earnings are expected to grow with 23.59% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.13
PEG (5Y)N/A
EPS Next 2Y30.69%
EPS Next 3Y23.59%
5. Dividend
5.1 Amount
PFIS has a Yearly Dividend Yield of 4.94%, which is a nice return.
PFIS's Dividend Yield is rather good when compared to the industry average which is at 3.11. PFIS pays more dividend than 90.44% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.31, PFIS pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.94% |
5.2 History
The dividend of PFIS is nicely growing with an annual growth rate of 9.08%!
PFIS has been paying a dividend for at least 10 years, so it has a reliable track record.
PFIS has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)9.08%
Div Incr Years8
Div Non Decr Years22
5.3 Sustainability
PFIS pays out 45.21% of its income as dividend. This is a bit on the high side, but may be sustainable.
The dividend of PFIS is growing, but earnings are growing more, so the dividend growth is sustainable.
DP45.21%
EPS Next 2Y30.69%
EPS Next 3Y23.59%
49.73
-0.29 (-0.58%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners32.04%
Inst Owner Change-0.83%
Ins Owners7.75%
Ins Owner Change0.3%
Market Cap496.80M
Revenue(TTM)185.11M
Net Income(TTM)53.09M
Analysts82.5
Price Target51 (2.55%)
Short Float %1.13%
Short Ratio4.58
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.94% |
Yearly Dividend2.11
Dividend Growth(5Y)9.08%
DP45.21%
Div Incr Years8
Div Non Decr Years22
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)4.1%
Min EPS beat(2)-4.06%
Max EPS beat(2)12.25%
EPS beat(4)2
Avg EPS beat(4)-3.9%
Min EPS beat(4)-35.51%
Max EPS beat(4)12.25%
EPS beat(8)4
Avg EPS beat(8)-0.68%
EPS beat(12)8
Avg EPS beat(12)2.74%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)-2.45%
Min Revenue beat(2)-6.5%
Max Revenue beat(2)1.59%
Revenue beat(4)2
Avg Revenue beat(4)-2.38%
Min Revenue beat(4)-6.5%
Max Revenue beat(4)1.59%
Revenue beat(8)2
Avg Revenue beat(8)-6.75%
Revenue beat(12)2
Avg Revenue beat(12)-6.61%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)-6.1%
PT rev (3m)-6.1%
EPS NQ rev (1m)-0.33%
EPS NQ rev (3m)-1.46%
EPS NY rev (1m)0.48%
EPS NY rev (3m)2.15%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-2.23%
Revenue NY rev (1m)-1.17%
Revenue NY rev (3m)-1.4%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.72 | ||
| Fwd PE | 7.72 | ||
| P/S | 2.68 | ||
| P/FCF | 14.09 | ||
| P/OCF | 12.12 | ||
| P/B | 0.97 | ||
| P/tB | 1.23 | ||
| EV/EBITDA | N/A |
EPS(TTM)5.7
EY11.46%
EPS(NY)6.44
Fwd EY12.95%
FCF(TTM)3.53
FCFY7.1%
OCF(TTM)4.1
OCFY8.25%
SpS18.53
BVpS51.05
TBVpS40.44
PEG (NY)0.13
PEG (5Y)N/A
Graham Number80.92
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.03% | ||
| ROE | 10.43% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 28.68% | ||
| GM | N/A | ||
| FCFM | 19.05% |
ROA(3y)0.65%
ROA(5y)0.85%
ROE(3y)7.28%
ROE(5y)8.78%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-45.68%
PM growth 5Y-25.92%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.18 | ||
| Debt/FCF | 2.58 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 56.6% | ||
| Cap/Sales | 3.1% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 66.43% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC20.37%
ROIC/WACCN/A
Cap/Depr(3y)156.63%
Cap/Depr(5y)137.69%
Cap/Sales(3y)5.03%
Cap/Sales(5y)4.38%
Profit Quality(3y)186.85%
Profit Quality(5y)152.34%
High Growth Momentum
Growth
EPS 1Y (TTM)68.14%
EPS 3Y-45.27%
EPS 5Y-22.23%
EPS Q2Q%-7.93%
EPS Next Y68.56%
EPS Next 2Y30.69%
EPS Next 3Y23.59%
EPS Next 5YN/A
Revenue 1Y (TTM)62.91%
Revenue growth 3Y6.82%
Revenue growth 5Y8.19%
Sales Q2Q%53.02%
Revenue Next Year39.29%
Revenue Next 2Y20.86%
Revenue Next 3Y15.74%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y24.63%
FCF growth 3Y-4.33%
FCF growth 5Y-0.04%
OCF growth 1Y12.51%
OCF growth 3Y-5.87%
OCF growth 5Y-1.72%
PEOPLES FINANCIAL SERVICES / PFIS FAQ
What is the ChartMill fundamental rating of PEOPLES FINANCIAL SERVICES (PFIS) stock?
ChartMill assigns a fundamental rating of 5 / 10 to PFIS.
What is the valuation status of PEOPLES FINANCIAL SERVICES (PFIS) stock?
ChartMill assigns a valuation rating of 6 / 10 to PEOPLES FINANCIAL SERVICES (PFIS). This can be considered as Fairly Valued.
Can you provide the profitability details for PEOPLES FINANCIAL SERVICES?
PEOPLES FINANCIAL SERVICES (PFIS) has a profitability rating of 4 / 10.
Can you provide the PE and PB ratios for PFIS stock?
The Price/Earnings (PE) ratio for PEOPLES FINANCIAL SERVICES (PFIS) is 8.72 and the Price/Book (PB) ratio is 0.97.
What is the earnings growth outlook for PEOPLES FINANCIAL SERVICES?
The Earnings per Share (EPS) of PEOPLES FINANCIAL SERVICES (PFIS) is expected to grow by 68.56% in the next year.