Peoples Financial Services Corp. (PFIS) Financial Ratios Annual - Discounting Cash Flows
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PFIS
Peoples Financial Services Corp.
PFIS (NASDAQ)
  • Financials

  • Peoples Financial Services Corp. Financial Ratios Annual

Annual Quarterly

* (except for per share items) of USD
Period Ending: LTM
(Last Twelve Months) 		2025
12-31 		2024
12-31 		2023
12-31 		2022
12-31 		2021
12-31 		2020
12-31 		2019
12-31 		2018
12-31 		2017
12-31 		2016
12-31 		2015
12-31 		2014
12-31 		2013
12-31 		2012
12-31 		2011
12-31 		2010
12-31 		2009
12-31 		2008
12-31 		2007
12-31 		2006
12-31 		2005
12-31 		2004
12-31 		2003
12-31 		2002
12-31 		2001
12-31 		2000
12-31 		1999
12-31 		1998
12-31 		1997
12-31
Price Ratios
Price to Earnings Ratio 9.61 8.23 51.38 12.64 9.76 8.75 9.15 14.47 13.08 18.67 18.4 16.15 21.25 31.44 12.87 8.39 12.88 11.2 19.04 16.97 19.85 22.11 28.37 19.32 12.58 12.06 15.28 15.8 17.62 19.92
Price to Sales Ratio 2.02 1.73 1.9 2.11 3 3.53 2.42 3.43 3.32 3.86 4.4 3.76 4.87 3.86 2.94 1.8 2.78 2.05 2 2.96 3.22 4.21 5.88 4.78 2.89 2.58 4.9 5.97 6.27 6.53
Price to Book Ratio 1.09 0.936 0.931 1.02 1.18 1.12 0.847 1.25 1.17 1.3 1.4 1.15 1.52 0.754 1.03 1.48 1.65 1.26 1.46 1.93 1.99 2.5 2.98 2.62 1.65 1.73 1.93 2.23 2.22 2.43
Price to Free Cash Flow Ratio 18.88 0 13.93 12.67 10.76 10.61 7.7 11.83 11.41 15.42 16.92 11.56 16.22 14.46 15.75 6.69 8.56 16.19 9.76 12.21 17.27 22.23 19.4 16.33 11.33 17.1 14.56 14.92 14.52 -37.32
Price to Operating Cash Flow Ratio 14.89 0 12.87 10.41 8.77 9.34 7.22 10.04 9.99 12.05 12.84 9.81 15.5 13.78 11.8 6.34 7.45 13.62 7.05 11.65 14.37 16.84 17.14 14.25 9.9 15.53 13.45 13.83 13.78 17.23
Price Earnings to Growth Ratio 0.869 0.017 -0.694 -0.46 -0.798 0.173 1.13 1.39 0.376 -3.3 1.5 18.89 0.179 -0.573 30.36 0.599 0.451 0.17 -0.509 0.926 -2.56 31.18 -1.43 1.81 2.73 0.452 4.43 1.37 1.35 0
EV to EBITDA 8.18 17.13 -0.551 0.091 -2.42 0.656 5.91 4.7 7.02 7.35 2.68 2.17 -10.85 -1.33 9.82 16.04 15.53 27.03 18.07 19.44 21.33 27.07 17.22 13.92 13.05 13.61 12.67 12.8 14.27
Liquidity Ratios
Current Ratio 2.32 0.088 0.08 0.14 0.168 0.19 0.14 0.173 0.158 0.172 0.183 0.217 0.26 0.244 0.29 0.028 0.024 0.025 0.027 0.031 0.036 0.027 0.028 0.028 0.031 0.037 0.042 0.043 0.031 0.036
Quick Ratio 2.32 0.088 0.08 0.14 0.168 0.19 0.14 0.173 0.158 0.172 0.183 0.217 0.26 0.244 0.29 0.028 0.024 0.025 0.027 0.031 0.036 0.027 0.028 0.028 0.031 0.037 0.042 0.043 0.031 0.036
Cash Ratio 1.79 0 0.013 0.013 0.012 0.013 0.018 0.015 0.017 0.02 0.024 0.022 0.022 0.029 0.065 0.02 0.014 0.019 0.02 0.025 0.03 0.021 0.021 0.021 0.023 0.028 0.032 0.034 0.022 0.027
Debt Ratio 0.032 0.049 0.031 0.02 0.042 0.011 0.034 0.075 0.054 0.08 0.07 0.054 0.03 0.048 0.058 0.101 0.118 0.115 0.123 0.141 0.118 0.134 0.16 0.132 0.138 0.131 0.086 0.068 0.037 0.041
Debt to Equity Ratio 0.321 0.497 0.332 0.222 0.471 0.105 0.309 0.618 0.446 0.654 0.549 0.397 0.214 0.339 0.403 1.05 1.31 1.32 1.46 1.43 1.19 1.33 1.43 1.19 1.25 1.22 0.802 0.666 0.334 0.376
Long Term Debt to Capitalization 0.205 0.303 0.229 0.146 0.096 0.095 0.131 0.099 0.12 0.158 0.185 0.195 0.118 0.133 0.255 0.241 0.351 0.463 0.5 0.474 0.47 0.467 0.521 0.505 0.476 0.372 0.362 0.309 0.156 0
Total Debt to Capitalization 0.243 0.332 0.249 0.182 0.32 0.095 0.236 0.382 0.308 0.396 0.354 0.284 0.176 0.253 0.287 0.513 0.567 0.568 0.594 0.589 0.543 0.57 0.589 0.544 0.555 0.55 0.445 0.4 0.25 0.273
Interest Coverage Ratio 0.771 0.771 0.089 0.515 2.91 5.68 2.39 1.62 2.13 3.06 3.39 3.68 3.48 1.49 2.55 1.85 1.22 0.823 0.341 0.537 0.454 0.662 0.772 0.976 0.788 0.633 0.478 0.578 0.526 0.483
Cash Flow to Debt Ratio 0.229 0 0.218 0.44 0.285 1.14 0.38 0.201 0.262 0.165 0.199 0.296 0.459 0.161 0.216 0.222 0.17 0.07 0.141 0.116 0.116 0.112 0.122 0.154 0.133 0.091 0.179 0.242 0.482 0.376
Margins
Gross Profit Margin 66.65% 66.6% 50.13% 61.18% 87.76% 89.63% 80.39% 77.91% 82.18% 84.86% 85.04% 87.21% 86.79% 86% 86.42% 80.23% 71.03% 67.37% 65.89% 59.22% 56.45% 63.22% 62.15% 65.04% 61.08% 55.67% 11.94% 13.03% 12.49% 12.39%
Operating Profit Margin 25.7% 25.71% 3.69% 19.82% 36.69% 49.67% 30.85% 26.63% 28.79% 29.88% 30.03% 29.22% 30.02% 13.31% 29.48% 27.59% 26.38% 21.67% 10.81% 21.38% 19.23% 23.25% 25.44% 32.88% 30.04% 28.06% 41.13% 48.88% 44.99% 41.66%
Pretax Profit Margin 25.67% 25.71% 3.69% 19.82% 36.69% 49.67% 30.85% 26.63% 28.79% 29.88% 30.03% 29.22% 30.02% 13.31% 29.48% 27.59% 26.38% 21.67% 10.81% 21.38% 19.23% 23.25% 25.44% 32.88% 30.04% 28.06% 41.13% 48.88% 44.99% 41.66%
Net Profit Margin 21.04% 21.07% 3.7% 16.69% 30.8% 40.39% 26.5% 23.72% 25.35% 20.7% 23.92% 23.28% 22.93% 12.27% 22.88% 21.42% 21.59% 18.32% 10.51% 17.45% 16.2% 19.06% 20.72% 24.74% 22.94% 21.39% 32.11% 37.76% 35.56% 32.8%
Operating Cash Flow Margin 13.57% 0% 14.76% 20.28% 34.25% 37.84% 33.57% 34.17% 33.18% 32.07% 34.26% 38.33% 31.44% 27.99% 24.94% 28.35% 37.32% 15.06% 28.38% 25.41% 22.37% 25.02% 34.29% 33.54% 29.16% 16.61% 36.48% 43.14% 45.48% 37.93%
Free Cash Flow Margin 10.7% 0% 13.64% 16.66% 27.92% 33.3% 31.5% 29.01% 29.04% 25.07% 26% 32.53% 30.05% 26.68% 18.68% 26.85% 32.5% 12.68% 20.49% 24.24% 18.62% 18.96% 30.29% 29.26% 25.47% 15.08% 33.7% 39.99% 43.16% -17.51%
Return
Return on Assets 1.12% 1.12% 0.167% 0.732% 1.07% 1.29% 1.02% 1.04% 1.09% 0.85% 0.979% 0.974% 1.01% 0.339% 1.15% 1.69% 1.16% 0.978% 0.643% 1.12% 0.992% 1.14% 1.17% 1.5% 1.45% 1.53% 1.36% 1.45% 1.38% 1.32%
Return on Equity 11.81% 11.39% 1.81% 8.04% 12.08% 12.79% 9.26% 8.61% 8.93% 6.97% 7.63% 7.12% 7.15% 2.4% 7.99% 17.67% 12.84% 11.23% 7.65% 11.38% 10.01% 11.3% 10.51% 13.55% 13.09% 14.33% 12.66% 14.12% 12.59% 12.22%
Return on Capital Employed 1.38% 3.61% 1.28% 7.39% 11.6% 13.19% 8.63% 8.24% 8.7% 8.14% 7.5% 6.86% 7.81% 2.35% 7.28% 16.33% 9.8% 6.98% 3.86% 7.17% 6.17% 7.21% 6.11% 8.81% 8.89% 11.66% 10.08% 12.24% 12.94% 14.79%
Return on Invested Capital 1.14% 2.96% 1.4% 6.89% 10.78% 11.82% 8.37% 8.06% 8.51% 6.37% 6.8% 6.08% 6.67% 2.57% 7.59% 14.53% 8.77% 6.52% 4.16% 6.53% 5.96% 6.48% 5.34% 7.15% 7.42% 10.26% 9.29% 11.62% 11.96% 14.83%
Turnover Ratios
Receivables Turnover Ratio 15.96 0 14.7 12.88 10.56 12.63 13.42 15.54 13.82 12.85 13.15 13.13 13.79 7.95 16.17 14.26 10 10.68 11.45 12.48 13.74 12.86 10.82 10.99 10.1 9.91 5.15 5.02 5.38 5.17
Payables Turnover Ratio 0 0 20.83 11.04 16.76 27.38 29.52 18.77 14.66 27.16 26.52 17.39 17.71 9.03 8.78 34.23 27.97 20.16 5.98 12.31 15.79 13.89 14.79 13.02 12.97 14.28 0 0 0 0
Inventory Turnover Ratio 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Fixed Asset Turnover Ratio 3.58 3.58 3.14 2.68 2.22 2.09 2.35 2.26 2.53 2.37 2.46 2.7 3.03 1.8 3.06 6.21 3.65 3.67 3.84 4.75 4.12 4.02 4.38 5.07 5.71 6.71 3.57 2.9 2.72 2.44
Asset Turnover Ratio 0.053 0.053 0.045 0.044 0.035 0.032 0.038 0.044 0.043 0.041 0.041 0.042 0.044 0.028 0.05 0.079 0.054 0.053 0.061 0.064 0.061 0.06 0.057 0.061 0.063 0.072 0.042 0.038 0.039 0.04
Per Share Items ()
Revenue Per Share 28.15 0 26.94 23.07 17.25 14.91 15.16 14.67 13.29 12.05 11.07 10.13 10.2 9.85 10.36 15.72 9.57 8.8 9.25 8.88 8.09 7.45 6.8 7.11 6.93 7.11 3.74 3.07 2.92 2.81
Operating Cash Flow Per Share 3.82 0 3.98 4.68 5.91 5.64 5.09 5.01 4.41 3.87 3.79 3.88 3.21 2.76 2.58 4.46 3.57 1.33 2.62 2.26 1.81 1.86 2.33 2.39 2.02 1.18 1.36 1.33 1.33 1.06
Free Cash Flow Per Share 3.01 0 3.67 3.84 4.82 4.96 4.78 4.26 3.86 3.02 2.88 3.29 3.06 2.63 1.94 4.22 3.11 1.12 1.89 2.15 1.51 1.41 2.06 2.08 1.77 1.07 1.26 1.23 1.26 -0.491
Cash & Short Term Investments 5.85 0 37.88 62.13 71.93 76.75 46.69 48.9 40.86 41.92 40.47 42.29 49.15 72.17 46.84 3.38 2.18 2.6 2.54 2.74 3.22 2.12 1.9 1.92 2.01 2.29 2.33 2.29 1.47 1.7
Earnings Per Share 5.92 0 0.996 3.85 5.31 6.02 4.02 3.48 3.37 2.5 2.65 2.36 2.34 1.21 2.37 3.37 2.07 1.61 0.972 1.55 1.31 1.42 1.41 1.76 1.59 1.52 1.2 1.16 1.04 0.92
EBITDA Per Share 8.03 7.23 1.84 5.06 6.89 7.91 5.26 4.48 4.26 4.01 3.71 3.33 3.46 1.58 3.31 4.58 2.83 2.21 1.28 2.38 1.97 2.15 2.12 2.76 2.38 2.23 1.73 1.7 1.53 1.36
Dividend Per Share 2.38 0 2.12 1.64 1.58 1.49 1.44 1.37 1.31 1.26 1.24 1.24 1.24 1.16 1.23 1.76 0.79 0.76 0.773 0.758 0.759 1.76 0.732 0.651 0.587 0.481 0.412 0.346 0.304 0.225
Enterprise Value Per Share 65.72 0 31.53 -2.79 0.628 -19.12 3.45 26.45 20.01 28.11 27.27 8.92 7.51 -17.08 -4.38 44.93 45.46 34.34 34.54 43.09 38.36 45.97 57.3 47.6 33.17 29.04 23.6 21.51 19.62 19.47
Book Value Per Share 50.15 0 54.97 47.89 43.99 47.05 43.38 40.43 37.72 35.83 34.69 33.1 32.69 50.4 29.65 19.07 16.09 14.35 12.7 13.62 13.08 12.57 13.41 12.99 12.15 10.61 9.48 8.21 8.26 7.53
Price Per Share 54.85 0 51.18 48.7 51.84 52.69 36.76 50.35 44.06 46.58 48.7 38.08 49.68 38 30.5 28.25 26.6 18.05 18.5 26.3 26 31.4 40 34 20.01 18.33 18.33 18.33 18.33 18.33
Dividend Ratios
Dividend Payout Ratio 31.22% 41.71% 212.9% 42.58% 29.73% 24.8% 35.83% 39.37% 38.9% 50.49% 46.83% 52.58% 53.03% 96.33% 51.98% 52.26% 38.24% 47.16% 79.53% 48.92% 57.93% 123.8% 51.9% 36.97% 36.89% 31.62% 34.34% 29.82% 29.23% 24.42%
Annual Dividend Yield 4.34% 5.07% 4.14% 3.37% 3.05% 2.83% 3.92% 2.72% 2.97% 2.71% 2.55% 3.26% 2.5% 3.06% 4.04% 6.23% 2.97% 4.21% 4.18% 2.88% 2.92% 5.6% 1.83% 1.91% 2.93% 2.62% 2.25% 1.89% 1.66% 1.23%
Effective Tax Rate 18.06% 18.06% -0.354% 15.76% 16.04% 18.68% 14.11% 10.92% 11.98% 30.71% 20.37% 20.32% 23.62% 7.82% 22.41% 22.37% 18.14% 15.46% 2.78% 18.38% 15.75% 18.04% 18.55% 24.75% 23.64% 23.77% 21.93% 22.74% 20.97% 21.27%
Short Term Coverage Ratio 1.17 0 2.13 1.89 0.369 0 0.744 0.244 0.377 0.231 0.339 0.761 1.24 0.296 1.44 0.318 0.289 0.203 0.445 0.31 0.453 0.329 0.504 1.06 0.486 0.176 0.612 0.739 1.08 0.376
Capital Expenditure Coverage Ratio 4.73 0 13.17 5.61 5.41 8.35 16.22 6.62 8.02 4.58 4.15 6.6 22.55 21.26 3.99 18.86 7.74 6.31 3.6 21.82 5.96 4.13 8.57 7.84 7.91 10.86 13.09 13.68 19.59 0.684
EBIT Per Revenue 0.257 0.257 0.037 0.198 0.367 0.497 0.309 0.266 0.288 0.299 0.3 0.292 0.3 0.133 0.295 0.276 0.264 0.217 0.108 0.214 0.192 0.232 0.254 0.329 0.3 0.281 0.411 0.489 0.45 0.417
EBITDA Per Revenue 0.285 0.257 0.068 0.219 0.399 0.53 0.347 0.305 0.321 0.332 0.335 0.329 0.339 0.16 0.319 0.291 0.296 0.251 0.138 0.268 0.244 0.289 0.311 0.389 0.344 0.313 0.464 0.553 0.524 0.486
Days of Sales Outstanding 22.87 0 24.83 28.34 34.58 28.89 27.2 23.48 26.41 28.4 27.76 27.79 26.46 45.9 22.57 25.6 36.5 34.17 31.87 29.25 26.56 28.39 33.75 33.22 36.16 36.84 70.89 72.65 67.9 70.64
Days of Inventory Outstanding 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Days of Payables Outstanding 0 0 17.53 33.05 21.78 13.33 12.37 19.45 24.89 13.44 13.76 20.99 20.61 40.41 41.57 10.66 13.05 18.1 61 29.66 23.12 26.28 24.68 28.04 28.14 25.55 0 0 0 0
Cash Conversion Cycle 22.87 0 7.3 -4.71 12.8 15.56 14.84 4.04 1.52 14.96 14 6.8 5.85 5.49 -19.01 14.94 23.45 16.07 -29.13 -0.41 3.45 2.11 9.07 5.18 8.02 11.29 70.89 72.65 67.9 70.64
Cash Conversion Ratio 0.645 0 3.99 1.21 1.11 0.937 1.27 1.44 1.31 1.55 1.43 1.65 1.37 2.28 1.09 1.32 1.73 0.822 2.7 1.46 1.38 1.31 1.66 1.36 1.27 0.777 1.14 1.14 1.28 1.16
Free Cash Flow to Earnings 0.509 0 3.69 0.998 0.906 0.825 1.19 1.22 1.15 1.21 1.09 1.4 1.31 2.17 0.817 1.25 1.51 0.692 1.95 1.39 1.15 0.995 1.46 1.18 1.11 0.705 1.05 1.06 1.21 -0.534

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