Peoples Financial Services Corp.

PFIS

PFISPeoples Financial Services Corp. US flag

NASDAQ Global Select

57.46

USD

-1.80

- -

575.23MMarket Cap

Income Statement (USD)

API Chat

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Sales/Revenue/Turnover	42	41	42	70	70	75	80	85	91	96	98	108	101	134	188
+ Sales & Services Revenue	42	41	42	70	70	75	80	85	91	96	98	108	101	134	188
- Cost of Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cost of Goods & Services	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Profit	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Operating Expenses	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Selling, General & Admin	14	14	16	21	22	24	27	30	32	31	31	35	38	50	61
+ Research & Development	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Expense	-14	-14	-16	-21	-22	-24	-27	-30	-32	-31	-31	-35	-38	-50	-61
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Non-Operating (Income) Loss	-14	-14	-6	-23	-22	-25	-27	-28	-29	-34	-54	-45	-33	-8	-72
+ Interest Expense, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Interest Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Op (Income) Loss	-14	-14	-6	-23	-22	-25	-27	-28	-29	-34	-54	-45	-33	-8	-72
Pretax Income	14	14	6	23	22	25	27	28	29	34	54	45	33	8	72
- Income Tax Expense (Benefit)	3	3	- -	5	5	5	8	3	3	5	10	7	5	- -	13
- (Income) Loss from Affiliates	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) from Cont Ops	11	11	6	18	18	20	18	25	26	29	44	38	27	8	59
- Net Extraordinary Losses (Gains)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Discontinued Operations	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Extraord. & Accounting Changes	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) Incl. MI	11	11	6	18	18	20	18	25	26	29	44	38	27	8	59
- Minority Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Income, GAAP	11	11	6	18	18	20	18	25	26	29	44	38	27	8	59
- Preferred Dividends	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Other Adjustments	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Income Avail to Common, GAAP	11	11	6	18	18	20	18	25	26	29	44	38	27	8	59
EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA	1	1	1	3	3	3	3	3	4	4	4	4	3	7	11
EBITDA Margin (%)	1.78	2.74	2.94	4.27	3.98	3.81	3.71	3.78	4.65	4.41	3.7	3.73	3.47	5.38	5.66
EBITA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Profit Margin (%)	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
Sales per Employee	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Dividend per Share	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
Depreciation Expense	1	1	1	3	3	3	3	3	4	4	4	4	3	7	11
Basic Weighted Avg Shares	4	4	5	8	8	7	7	7	7	7	7	7	7	9	10
Basic EPS, GAAP	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
Basic EPS from Cont Ops	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
Diluted Weighted Avg Shares	4	4	5	8	8	7	7	7	7	7	7	7	7	9	10
Diluted EPS, GAAP	2.36	2.37	1.21	2.34	2.36	2.65	2.5	3.37	3.48	4	6.02	5.28	3.83	0.99	5.88
Diluted EPS from Cont Ops	2.36	2.37	1.21	2.34	2.36	2.65	2.5	3.37	3.48	4	6.02	5.28	3.83	0.99	5.88

Balance Sheet (USD)

API Chat

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Total Current Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash, Cash Equivalents & STI	11	209	342	371	318	299	310	302	362	341	555	516	442	582	356
+ Cash & Cash Equivalents	11	48	42	31	33	40	37	33	31	45	38	38	43	56	68
+ ST Investments	- -	161	300	340	285	259	273	270	330	296	517	478	399	526	289
+ Accounts & Notes Receiv	3	3	6	6	6	6	7	7	7	8	9	12	13	16	18
+ Accounts Receivable, Net	3	3	6	6	6	6	7	7	7	8	9	12	13	16	18
+ Notes Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Loans Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inventory Adjustments	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Assets	-14	-212	-347	-377	-324	-306	-317	-309	-369	-349	-563	-527	-454	-598	-374
+ Misc ST Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Prepaid Expenses	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Assets Held-for-Sale	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Noncurrent Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Property, Plant & Equip, Net	8	15	26	25	28	33	38	39	48	47	52	56	61	73	78
+ Property, Plant & Equip	17	43	62	45	49	55	62	65	77	78	85	92	100	126	126
- Accumulated Depreciation	9	28	36	19	20	22	24	26	29	31	34	36	39	53	48
+ LT Investments & Receivables	143	177	320	359	304	278	290	286	345	310	595	574	489	630	608
+ LT Investments	143	177	320	359	304	278	290	286	345	310	595	574	489	630	608
+ LT Receivables	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other LT Assets	-151	-192	-346	-384	-332	-311	-327	-325	-393	-357	-646	-630	-550	-703	-686
+ Total Intangible Assets	1	28	71	70	69	68	67	66	66	65	65	64	64	111	105
+ Goodwill	- -	26	63	63	63	63	63	63	63	63	63	63	63	76	76
+ Other Intangible Assets	1	1	8	6	6	5	4	3	2	2	1	1	1	36	29
+ LT Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Assets	-152	-220	-417	-454	-401	-380	-394	-391	-459	-422	-711	-694	-614	-815	-791
Total Assets	621	918	1,688	1,742	1,819	1,999	2,169	2,289	2,475	2,884	3,369	3,554	3,742	5,092	5,271
+ Payables & Accruals	- -	1	1	1	1	- -	- -	1	1	1	- -	1	6	6	7
+ Accounts Payable	- -	1	1	1	1	- -	- -	1	1	1	- -	1	6	6	7
+ Accrued Taxes	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest & Dividends Payable	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Payables & Accruals	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Debt	44	- -	22	19	38	83	124	86	152	50	- -	115	18	16	33
+ ST Borrowings	44	- -	22	19	38	83	124	86	152	50	- -	115	18	16	33
+ ST Finance Leases	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Liabilities	-44	-1	-23	-19	-39	-83	-124	-88	-153	-51	- -	-116	-23	-21	-40
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc ST Liabilities	-44	-1	-23	-19	-39	-83	-124	-88	-153	-51	- -	-116	-23	-21	-40
Total Current Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Debt	19	45	37	33	60	58	50	38	33	48	36	34	58	140	226
+ LT Borrowings	19	45	37	33	60	58	50	38	33	48	36	34	58	140	226
+ LT Finance Leases	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other LT Liabilities	-19	-45	-37	-33	-60	-58	-50	-38	-33	-48	-36	-34	-58	-140	-226
+ Accrued Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Pension Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Liabilities	-19	-45	-37	-33	-60	-58	-50	-38	-33	-48	-36	-34	-58	-140	-226
Total Noncurrent Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Liabilities	562	786	1,449	1,495	1,570	1,743	1,904	2,010	2,176	2,567	3,029	3,238	3,402	4,623	4,751
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Share Capital & APIC	10	49	162	155	150	150	150	150	150	144	142	141	136	271	271
+ Common Stock	7	9	16	15	15	15	15	15	15	14	14	14	14	20	20
+ Additional Paid in Capital	3	40	146	140	135	135	135	135	135	129	128	127	122	251	251
- Treasury Stock	5	- -	6	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Retained Earnings	51	84	84	92	101	111	121	137	152	171	204	231	249	239	274
+ Other Equity	4	- -	-1	-1	-2	-4	-6	-8	-3	2	-6	-56	-44	-41	-25
Equity Before Minority Interest	60	132	239	247	249	257	265	279	299	317	340	315	340	469	520
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Equity	60	132	239	247	249	257	265	279	299	317	340	315	340	469	520
Total Liabilities & Equity	621	918	1,688	1,742	1,819	1,999	2,169	2,289	2,475	2,884	3,369	3,554	3,742	5,092	5,271
Shares Outstanding	3	- -	8	8	7	7	7	7	7	7	7	7	7	10	10
Number of Employees	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Capital Leases - Total	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt	52	-2	17	21	66	101	136	92	154	53	-2	111	33	100	191
Net Debt to Equity	87.5	-1.85	7.1	8.34	26.44	39.32	51.3	32.95	51.41	16.59	-0.53	35.08	9.67	21.31	36.68
Tangible Common Equity Ratio	9.49	11.76	10.37	10.6	10.26	9.75	9.41	9.55	9.68	8.93	8.33	7.19	7.51	7.18	8.03
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Cash Flow Statement (USD)

API Chat

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
+ Net Income	11	11	6	18	18	20	18	25	26	29	44	38	27	8	59
+ Depreciation & Amortization	1	1	1	3	3	3	3	3	4	4	4	4	3	7	11
+ Non-Cash Items	2	- -	1	6	10	7	8	5	8	4	-9	5	3	7	-12
+ Stock-Based Compensation	- -	- -	- -	- -	- -	- -	- -	- -	1	1	1	1	1	1	- -
+ Deferred Income Taxes	- -	- -	-1	1	-1	-1	2	-1	- -	-2	- -	1	1	-4	5
+ Asset Impairment Charge	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Cash Adj	2	- -	2	5	11	9	6	5	7	5	-10	4	1	9	-17
+ Chg in Non-Cash Work Cap	1	- -	5	-3	-1	-2	- -	- -	-1	-1	2	-4	-1	12	-3
+ (Inc) Dec in Accts Receiv	1	- -	1	- -	- -	- -	-1	- -	- -	-1	- -	-3	-1	5	-2
+ (Inc) Dec in Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ (Inc) Dec in Prepaid Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inc (Dec) in Accts Payable	- -	- -	- -	- -	- -	- -	- -	1	- -	-1	- -	- -	5	-2	1
+ Inc (Dec) in Other	- -	- -	5	-3	-1	-1	- -	-1	-1	1	3	-2	-5	10	-3
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Operating Activities	14	12	13	24	29	28	29	33	37	37	41	42	33	35	54
+ Change in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2	7
+ Disp of Fixed Prod Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2	7
+ Disp of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Acq of Fixed & Intang	-1	-3	-1	-1	-4	-7	-6	-4	-6	-2	-5	-8	-6	-3	-11
+ Acq of Fixed Prod Assets	-1	-3	-1	-1	-4	-7	-6	-4	-6	-2	-5	-8	-6	-3	-11
+ Acq of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash (Repurchase) of Equity	-1	- -	- -	- -	-5	-1	- -	- -	-1	-7	-2	-1	-6	- -	- -
+ Increase in Capital Stock	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Decrease in Capital Stock	-1	- -	- -	- -	-5	-1	- -	- -	-1	-7	-2	-1	-6	- -	- -
+ Net Change in LT Investment	30	15	9	-39	49	18	-16	-1	-57	43	-298	-48	99	302	41
+ Dec in LT Investment	59	61	34	65	143	82	57	32	68	150	60	90	99	307	210
+ Inc in LT Investment	-28	-46	-25	-104	-93	-64	-73	-33	-125	-107	-359	-139	- -	-6	-169
+ Net Cash From Acq & Div	- -	- -	22	- -	- -	- -	2	- -	- -	- -	12	- -	- -	28	- -
+ Cash from Divestitures	- -	- -	22	- -	- -	- -	2	- -	- -	- -	12	- -	- -	28	- -
+ Cash for Acq of Subs	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash for JVs	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Investing Activities	-18	9	-49	-35	-134	-198	-164	-130	-122	-242	-149	-412	-119	57	-62
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Investing Activities	11	21	-18	-74	-89	-186	-185	-135	-185	-201	-440	-468	-26	386	-24
+ Dividends Paid	-6	-6	-6	-9	-9	-9	-9	-10	-10	-11	-11	-11	-12	-18	-25
+ Net Cash From Debt	-6	-13	-11	-4	27	-2	-8	-12	-5	-87	-62	113	24	-23	85
+ Cash From Debt	5	- -	- -	- -	30	- -	- -	- -	16	137	- -	115	25	- -	159
+ Repayments of Debt	-11	-13	-11	-4	-3	-2	-8	-12	-21	-224	-62	-2	-1	-23	-74
+ Other Financing Activities	7	-1	25	43	49	177	171	119	162	466	526	83	135	-431	43
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Financing Activities	-5	-19	9	30	62	165	154	97	146	361	451	183	142	-473	103
Effect of Foreign Exchange Rates	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Changes in Cash	20	13	3	-20	1	7	-2	-5	-1	197	52	-242	149	-52	133
EBITDA	1	1	1	3	3	3	3	3	4	4	4	4	3	7	11
EBITDA Margin (%)	1.78	2.74	2.94	4.27	3.98	3.81	3.71	3.78	4.65	4.41	3.7	3.73	3.47	5.38	5.66
Free Cash Flow	13	9	12	23	25	21	22	29	31	35	36	35	27	32	43
Net Cash Paid for Acquisitions	- -	- -	-22	- -	- -	- -	-2	- -	- -	- -	-12	- -	- -	-28	- -
Free Cash Flow to Firm	13	9	12	23	25	21	22	29	31	35	36	35	27	- -	43
Free Cash Flow to Equity	8	-4	1	20	52	19	14	17	26	-52	-26	147	52	11	136
Free Cash Flow per Basic Share	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
Price/Free Cash Flow	8.6	9.43	13.16	14.84	8.52	10.35	9.89	8.88	8.72	6.83	8.35	7.45	8.89	11.78	7.53
Cash Flow to Net Income	1.32	1.09	2.28	1.37	1.65	1.43	1.55	1.31	1.44	1.27	0.94	1.11	1.21	4.09	0.92
Capital Expenditures	-1	-3	-1	-1	-4	-7	-6	-4	-6	-2	-5	-8	-6	-3	-11