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STOCKS

Peoples Financial Services Corp. (PFIS)

NASDAQ:PFIS

PFIS

Peoples Financial Services

RESEARCH TOOLSreports

Peoples Financial Services (PFIS) Ratios

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137 Followers

Peoples Financial Services Ratios

PFIS's free cash flow for Q4 2025 was $0.65. For the 2025 fiscal year, PFIS's free cash flow was decreased by $ and operating cash flow was $0.21. See a summary of the company’s cash flow.

Ratios	TTM	Dec 25	Dec 24	Dec 23	Dec 22
Liquidity Ratios
Current Ratio	2.32	8.76	0.08	0.14	0.17
Quick Ratio	2.32	8.76	0.08	0.14	0.17
Cash Ratio	1.79	1.79	0.01	0.01	0.01
Solvency Ratio	0.01	0.01	<0.01	<0.01	0.01
Operating Cash Flow Ratio	2.30	1.66	<0.01	0.01	0.01
Short-Term Operating Cash Flow Coverage	2.30	1.66	2.13	1.89	0.37
Net Current Asset Value	$ -4.67B	$ -4.46B	$ -4.27B	$ -2.94B	$ -2.71B
Leverage Ratios
Debt-to-Assets Ratio	0.03	0.05	0.03	0.02	0.04
Debt-to-Equity Ratio	0.32	0.50	0.33	0.22	0.47
Debt-to-Capital Ratio	0.24	0.33	0.25	0.18	0.32
Long-Term Debt-to-Capital Ratio	0.21	0.30	0.23	0.15	0.10
Financial Leverage Ratio	10.14	10.14	10.86	10.99	11.27
Debt Service Coverage Ratio	0.53	0.47	0.14	0.38	0.32
Interest Coverage Ratio	0.77	0.77	0.09	0.52	2.91
Debt to Market Cap	0.32	0.53	0.36	0.22	0.40
Interest Debt Per Share	26.09	35.23	29.43	19.51	22.89
Net Debt to EBITDA	1.35	2.77	6.36	0.91	2.24
Profitability Margins
Gross Profit Margin	66.65%	66.60%	50.13%	61.18%	87.76%
EBIT Margin	25.70%	25.71%	3.69%	19.82%	36.69%
EBITDA Margin	28.52%	25.71%	6.83%	21.95%	39.95%
Operating Profit Margin	25.70%	25.71%	3.69%	19.82%	36.69%
Pretax Profit Margin	25.67%	25.71%	3.69%	19.82%	36.69%
Net Profit Margin	21.04%	21.07%	3.70%	16.69%	30.80%
Continuous Operations Profit Margin	21.04%	21.07%	3.70%	16.69%	30.80%
Net Income Per EBT	81.94%	81.94%	100.35%	84.24%	83.96%
EBT Per EBIT	99.91%	100.00%	100.00%	100.00%	100.00%
Return on Assets (ROA)	1.12%	1.12%	0.17%	0.73%	1.07%
Return on Equity (ROE)	11.81%	11.39%	1.81%	8.04%	12.08%
Return on Capital Employed (ROCE)	1.38%	1.38%	1.28%	7.39%	11.60%
Return on Invested Capital (ROIC)	20.80%	1.12%	1.25%	5.98%	7.53%
Return on Tangible Assets	1.15%	1.15%	0.17%	0.74%	1.09%
Earnings Yield	11.42%	12.16%	1.95%	7.91%	10.25%
Efficiency Ratios
Receivables Turnover	15.96	15.93	14.70	12.88	10.56
Payables Turnover	0.00	0.00	20.83	11.04	16.76
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	3.58	3.58	3.14	2.68	2.22
Asset Turnover	0.05	0.05	0.05	0.04	0.03
Working Capital Turnover Ratio	-0.14	-0.15	-0.07	-0.06	-0.05
Cash Conversion Cycle	22.87	22.91	7.30	-4.71	12.80
Days of Sales Outstanding	22.87	22.91	24.83	28.34	34.58
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	0.00	17.53	33.05	21.78
Operating Cycle	22.87	22.91	24.83	28.34	34.58
Cash Flow Ratios
Operating Cash Flow Per Share	7.53	5.43	3.98	4.68	5.91
Free Cash Flow Per Share	5.82	5.43	3.67	3.84	4.82
CapEx Per Share	1.71	0.00	0.30	0.83	1.09
Free Cash Flow to Operating Cash Flow	0.77	1.00	0.92	0.82	0.82
Dividend Paid and CapEx Coverage Ratio	2.12	2.20	1.64	1.89	2.21
Capital Expenditure Coverage Ratio	4.40	0.00	13.17	5.61	5.41
Operating Cash Flow Coverage Ratio	0.45	0.21	0.22	0.44	0.29
Operating Cash Flow to Sales Ratio	0.27	0.19	0.15	0.20	0.34
Free Cash Flow Yield	11.22%	11.15%	7.18%	7.89%	9.29%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	8.76	8.23	51.38	12.64	9.76
Price-to-Sales (P/S) Ratio	1.84	1.73	1.90	2.11	3.00
Price-to-Book (P/B) Ratio	1.00	0.94	0.93	1.02	1.18
Price-to-Free Cash Flow (P/FCF) Ratio	8.91	8.97	13.93	12.67	10.76
Price-to-Operating Cash Flow Ratio	6.89	8.97	12.87	10.41	8.77
Price-to-Earnings Growth (PEG) Ratio	0.79	0.02	-0.69	-0.46	-0.80
Price-to-Fair Value	1.00	0.94	0.93	1.02	1.18
Enterprise Value Multiple	7.81	9.51	34.17	10.53	9.76
Enterprise Value	626.97M	686.80M	536.58M	379.08M	482.21M
EV to EBITDA	7.81	9.51	34.17	10.53	9.76
EV to Sales	2.23	2.44	2.34	2.31	3.90
EV to Free Cash Flow	10.78	12.65	17.12	13.87	13.97
EV to Operating Cash Flow	8.33	12.65	15.82	11.40	11.38
Tangible Book Value Per Share	41.64	41.64	41.90	38.86	35.01
Shareholders’ Equity Per Share	52.01	52.01	54.97	47.89	43.99
Tax and Other Ratios
Effective Tax Rate	0.18	0.18	>-0.01	0.16	0.16
Revenue Per Share	28.15	28.11	26.94	23.07	17.25
Net Income Per Share	5.92	5.92	1.00	3.85	5.31
Tax Burden	0.82	0.82	1.00	0.84	0.84
Interest Burden	1.00	1.00	1.00	1.00	1.00
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.19	0.30	0.21	0.23	0.28
Stock-Based Compensation to Revenue	<0.01	0.00	<0.01	<0.01	<0.01
Income Quality	1.27	0.92	3.99	1.21	1.11

Currency in USD