Peoples Financial Services Corp.

Peoples Financial Services Corp.

PFIS
Peoples Financial Services Corp.US flagNASDAQ Global Select
59.26
USD
+1.22
- -
593.24MMarket Cap
Peoples Financial Services Corp.
PFIS
(NASDAQ Global Select)

Recent

price

59.26

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
7.5
9.36
9.16
8.97
9.32
9.32
10.09
10.88
11.49
12.26
13.2
13.66
15.08
14.2
15.76
18.79
19.25
Revenue per Share
2.07
2.36
2.37
1.21
2.34
2.36
2.65
2.5
3.37
3.48
4.02
6.05
5.31
3.85
1
5.92
5.89
Basic EPS, GAAP
3.11
2.95
1.94
2.63
3.06
3.29
2.88
3.02
3.86
4.26
4.78
4.99
4.82
3.84
3.77
4.34
4.13
Free Cash Flow per Basic Share
0.79
1.23
1.23
1.16
1.24
1.24
1.24
1.26
1.31
1.37
1.44
1.5
1.58
1.64
2.12
2.47
2.47
Dividend per Share
16.8
12.99
20.76
21.05
14.23
15.37
17.02
18.41
20.46
22.58
25.39
30.31
34.16
36.95
30.35
29.37
30.21
Book Value per Share
15.75
13.19
23.44
35.43
23.48
23.89
25.46
26.73
28.69
31.55
34.46
38.27
35.01
38.86
41.9
41.52
42.22
Tangible Book Value per Share
3
4
4
5
8
8
7
7
7
7
7
7
7
7
9
10
10
Basic Weighted Avg Shares
24
42
41
42
70
70
75
80
85
91
96
98
108
101
134
188
192
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
1
1
1
1
3
3
3
3
3
4
4
4
4
3
7
11
10
Depreciation Expense
6
11
11
6
18
18
20
18
25
26
29
44
38
27
8
59
59
Net Income, GAAP
18.14
22.37
22.41
7.82
23.62
20.32
20.37
30.71
11.98
10.92
14.11
18.68
16.04
15.76
- -
18.06
18.72
Effective Tax Rate (%)
27.56
25.18
25.87
13.47
25.09
25.29
26.24
22.94
29.32
28.4
30.44
44.26
35.25
27.13
6.32
31.52
30.63
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
27
19
45
37
33
60
58
50
38
33
48
36
34
58
140
226
226
LT Debt
51
60
132
239
247
249
257
265
279
299
317
340
315
340
469
520
526
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
12.78
19.02
14.05
5.95
17.05
15.9
16.22
14.09
17.33
16.17
16.66
21.57
16.46
10.79
3.26
21.43
20.68
Return on Common Equity (%)

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
76
33
179
LT Borrowings
228
226
226
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
10
10
10
Market Capitalization
486
487
533

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
375
356
302
Accounts Receivable, Net
17
18
18
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
8
7
8
ST Debt
76
33
179
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
8.15%
11.32%
10.85%
Free Cash Flow
7.05%
6.14%
34.81%
Net Income, GAAP
59.23%
107.04%
596.48%
Sales/Revenue/Turnover
11.11%
15.62%
39.61%
Total Cash Common Dividend
11.43%
20.38%
36.2%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
23
22
45
44
134
2025
45
48
47
47
188
2026
50
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.49
0.47
-0.43
0.61
1
2025
1.5
1.7
1.53
1.2
5.92
2026
1.47
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.41
0.41
0.62
0.62
2.12
2025
0.62
0.62
0.62
0.62
2.47
2026
0.62
- -
- -
- -
- -
Business
Peoples Financial Services Corp. Peoples Financial Services Corp. (NASDAQ: PFIS) serves as the bank holding company for Peoples Security Bank and Trust Company, a community bank providing comprehensive commercial and retail banking services; deposit products including money market, negotiable order of withdrawal (NOW), savings, individual retirement, demand deposit, and certificates of deposit accounts; and diverse lending options such as residential real estate, automobile, manufactured housing, personal, and home equity loans alongside commercial real estate, working capital, construction, small business administration, agricultural, equipment, and mineral rights loans. The company further offers fiduciary and investment services encompassing investment management, IRA trustee, estate administration, living and life insurance trusts, trusteeships under wills, guardianships, custodial and IRA custodial arrangements, corporate trust services, pension and profit-sharing plans; wealth management solutions including investment portfolio management, estate and business succession planning, annuities, insurance, retirement plans, tax planning, and education funding strategies; securities brokerage and investor services; as well as small business checking, merchant money market accounts, online and telephone banking, business credit cards, merchant lines of credit, financial checkups, remote deposit capture, automated clearing house transactions, cash management, automated teller machines, point-of-sale transactions, safe deposit boxes, night depositories, direct deposits, and official checks. Operating primarily in northeastern Pennsylvania with 29 branches, Peoples Financial Services Corp. targets business, non-profit, governmental, municipal agency, professional, and retail customers while maintaining a focus on regional banking, real estate lending, and trust services. Founded in 1905 and headquartered in Moosic, Pennsylvania, the company completed its merger with FNCB Bancorp, Inc. on July 1, 2024, adding approximately $1.8 billion in assets, $1.2 billion in loans, and $1.4 billion in deposits to expand its branch network and market share; issued $85 million in 7.75% fixed-to-floating rate subordinated notes due 2035 via private placement in June 2025 for general corporate purposes and debt redemption; and increased its quarterly dividend by 50.6% to $0.6175 per share in 2025, reflecting post-merger synergies, improved net interest margins from purchase accounting accretion, and solid asset quality with low non-performing assets.

Company News

APIChat
  • PEOPLES FINANCIAL SERVICES CORP. Reports Unaudited First Quarter 2026 Earnings

  • Peoples Financial Services Corp. Declares Second Quarter 2026 Dividend

  • Peoples Financial Services Isn't Ready For A Downgrade Just Yet

  • PEOPLES FINANCIAL SERVICES CORP. Reports Unaudited Fourth Quarter and Full Year 2025 Earnings

  • PEOPLES FINANCIAL SERVICES CORP. Declares Increased First Quarter 2026 Dividend

  • Peoples Financial Services Corp. Announces Retirement of President Thomas P. Tulaney

  • Peoples Financial Services (NASDAQ:PFIS) Sees Unusually-High Trading Volume – What’s Next?

  • Town and Country Financial (OTCMKTS:TWCF) & Peoples Financial Services (NASDAQ:PFIS) Financial Review

  • Peoples Financial Services (NASDAQ:PFIS) & Glen Burnie Bancorp (NASDAQ:GLBZ) Financial Analysis

  • Head to Head Analysis: CF Bankshares (NASDAQ:CFBK) vs. Peoples Financial Services (NASDAQ:PFIS)

  • Head-To-Head Review: Camden National (NASDAQ:CAC) & Peoples Financial Services (NASDAQ:PFIS)

  • Peoples Financial Services: The Picture Has Improved Enough For An Upgrade

  • PEOPLES FINANCIAL SERVICES CORP. Declares Fourth Quarter 2025 Dividend

  • PEOPLES FINANCIAL SERVICES CORP. Reports Unaudited Third Quarter and Year to Date 2025 Earnings

  • Are You Looking for a High-Growth Dividend Stock?

  • Why Peoples Financial Services (PFIS) is a Great Dividend Stock Right Now

  • Why Peoples Financial Services (PFIS) is a Top Dividend Stock for Your Portfolio

  • Peoples Financial (PFIS) Q2 EPS Up 265%

  • Peoples Financial Services Corp. Reports Unaudited Second Quarter and Year to Date 2025 Earnings

  • PEOPLES FINANCIAL SERVICES CORP. Declares Third Quarter 2025 Dividend