Peoples Financial Services Corp. Financial Ratios — PFIS

Profitability (USD)

	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
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	19.12	11.03	3.08	7.27	7.15	7.75	7.08	9.17	8.91	9.53	13.25	11.62	8.35	2.1	11.97
Return on Assets (%)	1.78	1.38	0.44	1.03	1	1.03	0.89	1.12	1.08	1.1	1.39	1.1	0.75	0.19	1.14
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
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
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	32.44	33.34	14.61	32.86	31.74	32.95	33.11	33.31	31.88	35.44	54.43	41.98	32.21	6.3	38.47
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
Net Income to Common 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
Effective Tax Rate (%)	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
Dvd Payout Ratio (%)	52.26	51.98	96.33	53.03	52.58	46.83	50.49	38.9	39.37	35.83	24.8	29.73	42.58	212.91	41.63
Sustainable Growth Rate (%)	9.13	5.3	0.11	3.41	3.39	4.12	3.5	5.6	5.4	6.12	9.96	8.17	4.79	-2.37	6.99

Credit (USD)

Credit Ratios API ChatGPT

	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
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	63	45	59	52	99	141	173	124	185	98	36	148	76	156	258
ST Debt	44	- -	22	19	38	83	124	86	152	50	- -	115	18	16	33
LT Debt	19	45	37	33	60	58	50	38	33	48	36	34	58	140	226
Total Debt/EBITDA	84.07	40.46	47.04	17.31	35.37	49.47	58.11	38.71	43.9	23	9.81	36.81	21.62	21.5	24.33
Net Debt/EBITDA	69.92	-2.18	13.56	6.85	23.57	35.44	45.55	28.56	36.51	12.37	-0.49	27.42	9.42	13.81	17.95
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	9.59	14.43	14.14	14.17	13.68	12.83	12.22	12.17	12.08	10.99	10.09	8.87	9.1	9.21	9.86
Long-Term Debt/Equity (%)	31.75	34.28	15.39	13.43	24.26	22.65	18.77	13.61	10.95	15.07	10.5	10.64	17.04	29.78	43.41
Long-Term Debt/Capital (%)	15.47	25.53	12.35	11.09	17.37	14.63	11.34	9.41	6.76	11.52	9.5	7.23	13.94	22.37	29
Long-Term Debt/Total Assets (%)	3.05	4.94	2.18	1.9	3.32	2.91	2.29	1.66	1.32	1.66	1.06	0.94	1.55	2.74	4.28
Total Debt/Equity (%)	105.21	34.28	24.62	21.08	39.67	54.88	65.44	44.65	61.83	30.85	10.5	47.09	22.2	33.18	49.71
Total Debt/Capital (%)	51.27	25.53	19.76	17.41	28.4	35.43	39.56	30.87	38.21	23.58	9.5	32.01	18.17	24.91	33.2
Total Debt/Total Assets (%)	10.09	4.94	3.48	2.99	5.42	7.04	7.99	5.43	7.47	3.39	1.06	4.18	2.02	3.06	4.9
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
Net Debt/Capital (%)	46.67	-1.88	6.63	7.7	20.91	28.22	33.9	24.78	33.96	14.23	-0.53	25.97	8.82	17.57	26.83
EBITDA	1	1	1	3	3	3	3	3	4	4	4	4	3	7	11
EBITDA-CapEx	- -	-2	1	2	-2	-4	-3	-1	-1	2	-1	-4	-2	5	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	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
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	9.59	14.43	14.14	14.17	13.68	12.83	12.22	12.17	12.08	10.99	10.09	8.87	9.1	9.21	9.86
Long-Term Debt/Equity (%)	31.75	34.28	15.39	13.43	24.26	22.65	18.77	13.61	10.95	15.07	10.5	10.64	17.04	29.78	43.41
Long-Term Debt/Capital (%)	15.47	25.53	12.35	11.09	17.37	14.63	11.34	9.41	6.76	11.52	9.5	7.23	13.94	22.37	29
Long-Term Debt/Total Assets (%)	3.05	4.94	2.18	1.9	3.32	2.91	2.29	1.66	1.32	1.66	1.06	0.94	1.55	2.74	4.28
Total Debt/Equity (%)	105.21	34.28	24.62	21.08	39.67	54.88	65.44	44.65	61.83	30.85	10.5	47.09	22.2	33.18	49.71
Total Debt/Capital (%)	51.27	25.53	19.76	17.41	28.4	35.43	39.56	30.87	38.21	23.58	9.5	32.01	18.17	24.91	33.2
Total Debt/Total Assets (%)	10.09	4.94	3.48	2.99	5.42	7.04	7.99	5.43	7.47	3.39	1.06	4.18	2.02	3.06	4.9
CFO/Total Liabilities	2.48	1.47	0.9	1.62	1.86	1.61	1.5	1.62	1.7	1.45	1.35	1.31	0.98	0.75	1.14
CFO/CapEx	18.86	3.99	21.26	22.55	6.6	4.15	4.58	8.02	6.62	16.22	8.35	5.41	5.61	13.49	4.96
Altman's Z-Score	0.28	0.18	0.22	0.27	0.23	0.24	0.23	0.22	0.23	0.18	0.19	0.19	0.18	0.16	0.17

Working Capital (USD)

Working Capital Ratios API ChatGPT

	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
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	12.97	12.97	9.73	12.29	12.32	12.41	12.22	12.1	12.86	12.66	11.72	10.68	8.25	9.48	11.29
Days Sales Outstanding	28.15	28.14	37.5	29.7	29.62	29.4	29.86	30.17	28.38	28.83	31.15	34.18	44.22	38.49	32.33
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

Enterprise Value API ChatGPT

	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
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	88	- -	287	375	282	360	345	326	372	265	378	371	343	511	487
- Cash & Cash Equivalents	11	48	42	31	33	40	37	33	31	45	38	38	43	56	68
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	63	45	59	52	99	141	173	124	185	98	36	148	76	156	258
Enterprise Value	140	-164	4	56	63	202	208	148	195	22	-141	4	-23	85	389
Total Capital	122	178	298	299	347	397	438	403	484	415	376	464	416	625	778
Total Debt/Capital (%)	51.27	25.53	19.76	17.41	28.4	35.43	39.56	30.87	38.21	23.58	9.5	32.01	18.17	24.91	33.2
Total Debt / EV	0.45	-0.28	13.86	0.93	1.57	0.7	0.83	0.84	0.95	4.46	-0.25	37.26	-3.27	1.83	0.66
EV/Sales	3.35	- -	0.1	0.8	0.9	2.7	2.58	1.74	2.15	0.23	- -	0.04	- -	0.63	2.07
EV/EBITDA	188.03	- -	3.39	18.64	22.59	70.8	69.69	46.08	46.37	5.15	- -	0.99	- -	11.74	36.62
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	10.06	- -	0.32	2.31	2.16	7.19	7.27	4.54	5.27	0.59	- -	0.09	- -	2.45	7.17
EV/Free Cash Flow to Firm	9.56	- -	0.31	2.22	1.88	5.79	5.97	4.04	4.57	0.55	- -	0.08	- -	2.28	5.96
Diluted Market Cap	126	136	180	375	286	360	344	326	372	270	381	374	348	439	491
Diluted Enterprise Value	178	134	197	396	352	461	480	418	526	322	379	484	381	539	681
EV per Share	44.97	- -	0.56	7.42	8.5	27.26	28.11	20.02	26.43	3.03	- -	0.56	- -	8.5	38.91
TTM Sales	42	41	42	70	70	75	80	85	91	96	98	108	101	134	188
TTM EBITDA	1	1	1	3	3	3	3	3	4	4	4	4	3	7	11
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	14	12	13	24	29	28	29	33	37	37	41	42	33	35	54
TTM Free Cash Flow to Firm	15	14	14	25	34	35	35	37	43	39	46	50	39	37	65

Multiples (USD)

Valuation Multiples API ChatGPT

	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
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

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
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	140	-164	4	56	63	202	208	148	195	22	-141	4	-23	85	389
Low Price	25.15	27.5	30.05	37.5	34.01	32.74	39	39.01	39.76	29.01	36.02	46.02	30.6	36.26	38.9
EV/Sales	3.35	- -	0.1	0.8	0.9	2.7	2.58	1.74	2.15	0.23	- -	0.04	- -	0.63	2.07
EV/EBITDA	188.03	- -	3.39	18.64	22.59	70.8	69.69	46.08	46.37	5.15	- -	0.99	- -	11.74	36.62
Price/Earnings	11.98	12.87	31.44	21.25	16.15	18.39	18.66	13.08	14.47	9.15	8.71	9.76	12.64	51.38	8.23
Price/Earnings Average	11.54	12.28	28.44	19.85	17.01	14.83	17.62	13.36	13.02	9.62	7.32	9.68	11.53	44.94	8.22
Price/Earnings High	11.98	13.29	33.01	23.18	21.2	19.09	20.66	15.44	15.48	12.55	9.09	11.29	14.12	59.93	9.15
Price/Earnings Low	10.67	11.6	24.86	16.04	14.42	12.37	15.63	11.58	11.43	7.22	5.96	8.66	7.94	36.4	6.57
Price/Book Value	1.48	- -	1.2	1.52	1.13	1.4	1.3	1.17	1.24	0.84	1.11	1.18	1.01	1.09	0.94
Price/Book Value Average	1.42	- -	1.09	1.42	1.2	1.13	1.23	1.19	1.12	0.88	0.93	1.17	0.92	0.95	0.94
Price/Book Value High	1.48	- -	1.26	1.66	1.49	1.46	1.44	1.38	1.33	1.15	1.16	1.36	1.12	1.27	1.04
Price/Book Value Low	1.32	- -	0.95	1.15	1.01	0.94	1.09	1.04	0.98	0.66	0.76	1.04	0.63	0.77	0.75
Price/Tangible Book Value	1.5	- -	1.71	2.12	1.57	1.91	1.74	1.54	1.59	1.05	1.37	1.48	1.24	1.43	1.17
Price/Tangible Book Value Average	1.44	- -	1.55	1.98	1.66	1.54	1.65	1.57	1.43	1.11	1.15	1.47	1.13	1.25	1.17
Price/Tangible Book Value High	1.5	- -	1.8	2.31	2.06	1.98	1.93	1.81	1.71	1.45	1.43	1.71	1.39	1.67	1.31
Price/Tangible Book Value Low	1.33	- -	1.35	1.6	1.4	1.29	1.46	1.36	1.26	0.83	0.94	1.31	0.78	1.01	0.94
Price/Sales	3.02	3.33	4.23	5.33	4.08	4.83	4.28	3.83	4.11	2.78	3.86	3.44	3.43	3.25	2.59
Price/Sales Average	2.91	3.18	3.83	4.98	4.3	3.89	4.04	3.92	3.7	2.93	3.24	3.41	3.13	2.84	2.59
Price/Sales High	3.02	3.44	4.45	5.82	5.36	5.01	4.74	4.53	4.4	3.82	4.03	3.98	3.83	3.79	2.89
Price/Sales Low	2.69	3	3.35	4.03	3.65	3.25	3.59	3.4	3.24	2.2	2.64	3.05	2.16	2.3	2.07
Price/Cash Flow	9.06	11.8	13.78	15.5	9.81	12.84	12.05	9.99	10.04	7.22	9.3	8.77	10.41	12.57	8.97
Price/Cash Flow Average	8.72	11.26	12.46	14.48	10.33	10.35	11.37	10.2	9.03	7.6	7.82	8.7	9.49	11	8.96
Price/Cash Flow High	9.06	12.19	14.46	16.91	12.88	13.33	13.34	11.79	10.75	9.91	9.71	10.15	11.63	14.67	9.98
Price/Cash Flow Low	8.06	10.64	10.89	11.7	8.76	8.63	10.09	8.85	7.93	5.7	6.36	7.79	6.54	8.91	7.16
Price/Free Cash Flow Average	8.28	9.01	11.9	13.86	8.97	8.34	9.33	9.07	7.85	7.19	7.02	7.39	8.1	10.3	7.52
Price/Free Cash Flow High	8.6	9.74	13.81	16.19	11.18	10.74	10.95	10.48	9.34	9.37	8.71	8.62	9.93	13.74	8.37
Price/Free Cash Flow Low	7.66	8.51	10.4	11.2	7.61	6.96	8.28	7.86	6.89	5.39	5.71	6.61	5.59	8.35	6.01
EV/Sales Average	3.28	3.12	6.51	5.27	5.18	5.24	5.73	5	5.39	3.44	3.21	4.43	3.42	4.07	3.61
EV/Sales High	3.35	3.38	7.49	6.11	6.22	6.36	6.43	5.61	6.09	4.32	3.99	5	4.12	5.18	3.9
EV/Sales Low	3.12	2.94	5.74	4.32	4.53	4.6	5.28	4.48	4.94	2.72	2.61	4.07	2.46	3.44	3.09
EV/EBITDA Average	183.63	-2.18	221.25	123.42	130.13	137.4	154.54	132.15	115.98	78.02	86.7	118.66	98.81	75.62	63.75
EV/EBITDA High	188.03	-2.18	254.65	143	156.35	166.7	173.35	148.27	131.04	97.97	107.78	133.87	118.92	96.24	68.95
EV/EBITDA Low	175.06	-2.18	195.13	101.05	113.91	120.47	142.22	118.37	106.27	61.62	70.41	109.08	71.03	63.88	54.56
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	28.25	30.5	38	49.68	38.08	48.7	46.58	44.06	50.35	36.76	52.69	51.84	48.7	51.18	48.71
High Price	28.25	31.5	39.9	54.2	49.99	50.54	51.56	52	53.88	50.42	55	59.99	54.39	59.7	54.2
Enterprise Value Average	137	-2	277	371	363	391	461	425	488	332	316	479	346	547	677
Enterprise Value High	140	-2	318	430	436	475	517	477	552	416	393	540	416	696	732
Enterprise Value Low	131	-2	244	304	318	343	424	380	447	262	256	440	248	462	579

Shares Outstanding	3	- -	8	8	7	7	7	7	7	7	7	7	7	10	10
Diluted Weighted Avg Shares	4	4	5	8	8	7	7	7	7	7	7	7	7	9	10
Basic Weighted Avg Shares	4	4	5	8	8	7	7	7	7	7	7	7	7	9	10
Revenue per Share	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
EBITDA per Share	0.17	0.25	0.26	0.4	0.37	0.38	0.4	0.43	0.57	0.58	0.51	0.56	0.49	0.85	1.06
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
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 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
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
Cash Flow per Share	3.12	2.58	2.76	3.21	3.88	3.79	3.87	4.41	5.01	5.09	5.67	5.91	4.68	4.07	5.43
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
Cash & Equivalents per Share	3.39	- -	45.22	49.15	42.89	40.48	41.91	40.86	48.95	47.28	77.39	72.03	62.72	58.25	35.65
Book Value per Share	19.11	- -	31.62	32.69	33.57	34.71	35.82	37.66	40.47	43.92	47.44	44.06	48.35	46.94	52.01
Tangible Book Value per Share	18.89	- -	22.2	23.48	24.23	25.47	26.73	28.68	31.58	34.89	38.41	35.06	39.23	35.78	41.52

Peoples Financial Services Corp.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)