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PEOPLES FINANCIAL SERVICES (PFIS) Stock Fundamental Analysis

NASDAQ:PFIS - Nasdaq - US7110401053 - Common Stock - Currency: USD

51.56  -0.15 (-0.29%)

Fundamental Rating

5

PFIS gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 396 industry peers in the Banks industry. PFIS has a bad profitability rating. Also its financial health evaluation is rather negative. PFIS has both an excellent growth and valuation score. This means it is growing and it is still cheap. This is a rare combination! Finally PFIS also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

PFIS had positive earnings in the past year.
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.
PFIS Yearly Net Income VS EBIT VS OCF VS FCFPFIS Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M

1.2 Ratios

PFIS's Return On Assets of 0.40% is on the low side compared to the rest of the industry. PFIS is outperformed by 80.56% of its industry peers.
PFIS has a worse Return On Equity (4.16%) than 81.31% of its industry peers.
Industry RankSector Rank
ROA 0.4%
ROE 4.16%
ROIC N/A
ROA(3y)0.66%
ROA(5y)0.86%
ROE(3y)7.31%
ROE(5y)8.8%
ROIC(3y)N/A
ROIC(5y)N/A
PFIS Yearly ROA, ROE, ROICPFIS Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

PFIS has a worse Profit Margin (12.73%) than 80.81% of its industry peers.
PFIS's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for PFIS so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 12.73%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-45.68%
PM growth 5Y-25.93%
GM growth 3YN/A
GM growth 5YN/A
PFIS Yearly Profit, Operating, Gross MarginsPFIS Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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3

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.
The number of shares outstanding for PFIS has been increased compared to 5 years ago.
The debt/assets ratio for PFIS has been reduced compared to a year ago.
PFIS Yearly Shares OutstandingPFIS Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M
PFIS Yearly Total Debt VS Total AssetsPFIS Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B 5B

2.2 Solvency

PFIS has a debt to FCF ratio of 1.11. This is a very positive value and a sign of high solvency as it would only need 1.11 years to pay back of all of its debts.
With a decent Debt to FCF ratio value of 1.11, PFIS is doing good in the industry, outperforming 70.71% of the companies in the same industry.
A Debt/Equity ratio of 0.09 indicates that PFIS is not too dependend on debt financing.
PFIS has a better Debt to Equity ratio (0.09) than 74.75% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.09
Debt/FCF 1.11
Altman-Z N/A
ROIC/WACCN/A
WACC20.2%
PFIS Yearly LT Debt VS Equity VS FCFPFIS Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
PFIS Yearly Current Assets VS Current LiabilitesPFIS Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M

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8

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 33.99% over the past year.
Measured over the past years, PFIS shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -22.23% on average per year.
PFIS shows a strong growth in Revenue. In the last year, the Revenue has grown by 62.57%.
Measured over the past years, PFIS shows a quite strong growth in Revenue. The Revenue has been growing by 8.19% on average per year.
EPS 1Y (TTM)33.99%
EPS 3Y-45.28%
EPS 5Y-22.23%
EPS Q2Q%174.55%
Revenue 1Y (TTM)62.57%
Revenue growth 3Y6.82%
Revenue growth 5Y8.19%
Sales Q2Q%101.6%

3.2 Future

PFIS is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 31.06% yearly.
Based on estimates for the next years, PFIS will show a quite strong growth in Revenue. The Revenue will grow by 19.71% on average per year.
EPS Next Y60.44%
EPS Next 2Y31.06%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year37.31%
Revenue Next 2Y19.71%
Revenue Next 3YN/A
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
PFIS Yearly Revenue VS EstimatesPFIS Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 50M 100M 150M
PFIS Yearly EPS VS EstimatesPFIS Yearly EPS VS EstimatesYearly EPS VS Estimates 2022 2023 2024 2025 2026 2 4 6

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4. Valuation

4.1 Price/Earnings Ratio

PFIS is valuated reasonably with a Price/Earnings ratio of 10.90.
PFIS's Price/Earnings ratio is a bit cheaper when compared to the industry. PFIS is cheaper than 73.48% of the companies in the same industry.
PFIS is valuated cheaply when we compare the Price/Earnings ratio to 27.54, which is the current average of the S&P500 Index.
PFIS is valuated cheaply with a Price/Forward Earnings ratio of 7.96.
PFIS's Price/Forward Earnings ratio is rather cheap when compared to the industry. PFIS is cheaper than 83.08% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 36.44. PFIS is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 10.9
Fwd PE 7.96
PFIS Price Earnings VS Forward Price EarningsPFIS Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

The rest of the industry has a similar Price/Free Cash Flow ratio as PFIS.
Industry RankSector Rank
P/FCF 13.96
EV/EBITDA N/A
PFIS Per share dataPFIS EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40

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.
A more expensive valuation may be justified as PFIS's earnings are expected to grow with 31.06% in the coming years.
PEG (NY)0.18
PEG (5Y)N/A
EPS Next 2Y31.06%
EPS Next 3YN/A

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8

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.78%, PFIS is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.29, PFIS pays a better dividend. On top of this PFIS pays more dividend than 86.11% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.35, PFIS pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.78%

5.2 History

The dividend of PFIS is nicely growing with an annual growth rate of 9.19%!
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)9.19%
Div Incr Years8
Div Non Decr Years22
PFIS Yearly Dividends per sharePFIS Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5 2

5.3 Sustainability

106.57% of the earnings are spent on dividend by PFIS. This is not a sustainable payout ratio.
The dividend of PFIS is growing, but earnings are growing more, so the dividend growth is sustainable.
DP106.57%
EPS Next 2Y31.06%
EPS Next 3YN/A
PFIS Yearly Income VS Free CF VS DividendPFIS Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M
PFIS Dividend Payout.PFIS Dividend Payout, showing the Payout Ratio.PFIS Dividend Payout.PayoutRetained Earnings

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PEOPLES FINANCIAL SERVICES

NASDAQ:PFIS (7/18/2025, 8:03:24 PM)

51.56

-0.15 (-0.29%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-17 2025-07-17/amc
Earnings (Next)11-03 2025-11-03/amc
Inst Owners31.7%
Inst Owner Change-0.47%
Ins Owners7.73%
Ins Owner Change0.55%
Market Cap515.08M
Analysts82.5
Price Target55.08 (6.83%)
Short Float %1.4%
Short Ratio4.77
Dividend
Industry RankSector Rank
Dividend Yield 4.78%
Yearly Dividend2.12
Dividend Growth(5Y)9.19%
DP106.57%
Div Incr Years8
Div Non Decr Years22
Ex-Date05-30 2025-05-30 (0.6175)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-11.89%
Min EPS beat(2)-35.51%
Max EPS beat(2)11.73%
EPS beat(4)3
Avg EPS beat(4)9.26%
Min EPS beat(4)-35.51%
Max EPS beat(4)49.57%
EPS beat(8)5
Avg EPS beat(8)2.39%
EPS beat(12)7
Avg EPS beat(12)1.29%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)-2.31%
Min Revenue beat(2)-5.99%
Max Revenue beat(2)1.37%
Revenue beat(4)1
Avg Revenue beat(4)-8.95%
Min Revenue beat(4)-24.85%
Max Revenue beat(4)1.37%
Revenue beat(8)1
Avg Revenue beat(8)-7.3%
Revenue beat(12)1
Avg Revenue beat(12)-6.46%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)-10%
EPS NQ rev (1m)0%
EPS NQ rev (3m)13.1%
EPS NY rev (1m)0%
EPS NY rev (3m)13.17%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)5.29%
Revenue NY rev (1m)0%
Revenue NY rev (3m)4.2%
Valuation
Industry RankSector Rank
PE 10.9
Fwd PE 7.96
P/S 3.27
P/FCF 13.96
P/OCF 12.95
P/B 1.07
P/tB 1.38
EV/EBITDA N/A
EPS(TTM)4.73
EY9.17%
EPS(NY)6.48
Fwd EY12.56%
FCF(TTM)3.69
FCFY7.17%
OCF(TTM)3.98
OCFY7.72%
SpS15.76
BVpS48.23
TBVpS37.25
PEG (NY)0.18
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.4%
ROE 4.16%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 12.73%
GM N/A
FCFM 23.45%
ROA(3y)0.66%
ROA(5y)0.86%
ROE(3y)7.31%
ROE(5y)8.8%
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
ROICexcg growth 3YN/A
ROICexcg 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-25.93%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.09
Debt/FCF 1.11
Debt/EBITDA N/A
Cap/Depr 31.37%
Cap/Sales 1.82%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 184.17%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC20.2%
ROIC/WACCN/A
Cap/Depr(3y)143.99%
Cap/Depr(5y)130.1%
Cap/Sales(3y)5.02%
Cap/Sales(5y)4.38%
Profit Quality(3y)186.44%
Profit Quality(5y)152.1%
High Growth Momentum
Growth
EPS 1Y (TTM)33.99%
EPS 3Y-45.28%
EPS 5Y-22.23%
EPS Q2Q%174.55%
EPS Next Y60.44%
EPS Next 2Y31.06%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)62.57%
Revenue growth 3Y6.82%
Revenue growth 5Y8.19%
Sales Q2Q%101.6%
Revenue Next Year37.31%
Revenue Next 2Y19.71%
Revenue Next 3YN/A
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 1Y28.56%
FCF growth 3Y-4.4%
FCF growth 5Y-0.08%
OCF growth 1Y5.29%
OCF growth 3Y-5.94%
OCF growth 5Y-1.76%