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STOCKS

Peoples Financial Services Corp. (PFIS)

NASDAQ:PFIS

PFIS

Peoples Financial Services

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Peoples Financial Services (PFIS) Ratios

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Peoples Financial Services Ratios

PFIS's free cash flow for Q1 2025 was $0.66. For the 2025 fiscal year, PFIS's free cash flow was decreased by $ and operating cash flow was $0.27. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	4.55	0.24	4.55	1.38K	6.89
Quick Ratio	4.98	0.24	4.98	2.09K	11.56
Cash Ratio	0.33	0.02	0.33	91.93	0.89
Solvency Ratio	0.01	<0.01	0.01	0.02	0.01
Operating Cash Flow Ratio	0.37	0.01	0.37	99.93	0.73
Short-Term Operating Cash Flow Coverage	0.37	1.89	0.37	0.00	0.74
Net Current Asset Value	$ -1.81B	$ -2.79B	$ -2.71B	$ -2.47B	$ -2.22B
Leverage Ratios
Debt-to-Assets Ratio	0.04	0.02	0.04	0.01	0.03
Debt-to-Equity Ratio	0.47	0.22	0.47	0.10	0.31
Debt-to-Capital Ratio	0.32	0.18	0.32	0.10	0.24
Long-Term Debt-to-Capital Ratio	0.10	0.15	0.10	0.10	0.13
Financial Leverage Ratio	11.27	10.99	11.27	9.91	9.10
Debt Service Coverage Ratio	0.32	0.38	0.32	5.07	0.52
Interest Coverage Ratio	4.15	0.52	4.15	5.62	2.39
Debt to Market Cap	0.40	0.22	0.40	0.09	0.36
Interest Debt Per Share	22.89	19.51	22.89	6.27	15.34
Net Debt to EBITDA	4.64	0.91	2.24	-0.03	1.37
Profitability Margins
Gross Profit Margin	100.00%	163.09%	100.00%	100.00%	100.00%
EBIT Margin	41.98%	32.40%	41.98%	54.54%	-4.41%
EBITDA Margin	45.71%	35.88%	45.71%	58.26%	39.84%
Operating Profit Margin	59.80%	32.40%	59.80%	53.93%	35.44%
Pretax Profit Margin	41.98%	32.40%	41.98%	53.93%	35.44%
Net Profit Margin	35.25%	27.29%	35.25%	44.35%	30.44%
Continuous Operations Profit Margin	35.25%	27.29%	35.25%	44.35%	30.44%
Net Income Per EBT	83.96%	84.24%	83.96%	82.24%	85.89%
EBT Per EBIT	70.20%	100.00%	70.20%	100.00%	100.00%
Return on Assets (ROA)	1.11%	0.73%	1.07%	1.29%	1.02%
Return on Equity (ROE)	9.16%	8.04%	12.08%	12.79%	9.26%
Return on Capital Employed (ROCE)	1.34%	2.79%	1.88%	1.57%	1.21%
Return on Invested Capital (ROIC)	3.36%	1.73%	4.44%	3.43%	3.85%
Return on Tangible Assets	1.14%	0.74%	1.09%	1.32%	1.04%
Earnings Yield	7.40%	7.91%	10.25%	11.48%	10.93%
Efficiency Ratios
Receivables Turnover	9.23	7.88	9.23	11.50	11.68
Payables Turnover	0.00	0.00	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	1.94	1.64	1.94	1.91	2.05
Asset Turnover	0.03	0.03	0.03	0.03	0.03
Working Capital Turnover Ratio	0.22	-0.04	0.22	0.23	0.38
Cash Conversion Cycle	28.14	46.33	39.57	31.73	31.24
Days of Sales Outstanding	28.14	46.33	39.57	31.73	31.24
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	0.00	0.00	0.00	0.00
Operating Cycle	28.14	46.33	39.57	31.73	31.24
Cash Flow Ratios
Operating Cash Flow Per Share	5.91	4.68	5.91	5.67	5.09
Free Cash Flow Per Share	4.82	3.84	4.82	4.99	4.78
CapEx Per Share	1.09	0.83	1.09	0.68	0.31
Free Cash Flow to Operating Cash Flow	0.82	0.82	0.82	0.88	0.94
Dividend Paid and CapEx Coverage Ratio	2.21	1.89	2.21	2.60	2.90
Capital Expenditure Coverage Ratio	5.41	5.61	5.41	8.35	16.22
Operating Cash Flow Coverage Ratio	0.29	0.44	0.29	1.14	0.38
Operating Cash Flow to Sales Ratio	0.39	0.33	0.39	0.42	0.39
Free Cash Flow Yield	8.45%	7.89%	9.29%	9.46%	12.99%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	9.76	12.64	9.76	8.71	9.15
Price-to-Sales (P/S) Ratio	3.44	3.45	3.44	3.86	2.78
Price-to-Book (P/B) Ratio	1.18	1.02	1.18	1.11	0.85
Price-to-Free Cash Flow (P/FCF) Ratio	10.76	12.67	10.76	10.57	7.70
Price-to-Operating Cash Flow Ratio	8.77	10.41	8.77	9.30	7.22
Price-to-Earnings Growth (PEG) Ratio	-0.80	-0.46	-0.80	0.17	0.59
Price-to-Fair Value	1.18	1.02	1.18	1.11	0.85
Enterprise Value Multiple	9.76	10.53	9.76	6.60	8.36
Enterprise Value	526.09M	379.08M	482.21M	377.37M	321.11M
EV to EBITDA	15.89	10.53	9.76	6.60	8.36
EV to Sales	5.80	3.78	4.46	3.85	3.33
EV to Free Cash Flow	16.71	13.87	13.97	10.52	9.20
EV to Operating Cash Flow	14.19	11.40	11.38	9.26	8.64
Tangible Book Value Per Share	35.14	38.86	35.14	38.39	34.57
Shareholders’ Equity Per Share	43.99	47.89	43.99	47.26	43.38
Tax and Other Ratios
Effective Tax Rate	0.16	0.16	0.16	0.18	0.14
Revenue Per Share	15.08	14.11	15.08	13.63	13.20
Net Income Per Share	5.31	3.85	5.31	6.05	4.02
Tax Burden	0.88	0.84	0.84	0.82	0.86
Interest Burden	1.08	1.00	1.00	0.99	-8.04
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.35	0.37	0.31	0.30	0.31
Stock-Based Compensation to Revenue	<0.01	<0.01	<0.01	<0.01	<0.01
Income Quality	1.44	1.21	1.11	0.94	1.27

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