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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	1.00	0.14	4.55	1.38K	6.89
Quick Ratio	1.00	0.14	4.98	2.09K	11.56
Cash Ratio	0.79	0.01	0.33	91.93	0.89
Solvency Ratio	<0.01	<0.01	0.01	0.02	0.01
Operating Cash Flow Ratio	0.52	0.01	0.37	99.93	0.73
Short-Term Operating Cash Flow Coverage	0.52	1.89	0.37	0.00	0.74
Net Current Asset Value	$ -4.54B	$ -2.94B	$ -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	0.36	0.22	0.47	0.10	0.31
Debt-to-Capital Ratio	0.27	0.18	0.32	0.10	0.24
Long-Term Debt-to-Capital Ratio	0.17	0.15	0.10	0.10	0.13
Financial Leverage Ratio	10.34	10.99	11.27	9.91	9.10
Debt Service Coverage Ratio	0.12	0.38	0.32	5.07	0.52
Interest Coverage Ratio	0.39	0.52	4.15	5.62	2.39
Debt to Market Cap	0.38	0.22	0.40	0.09	0.36
Interest Debt Per Share	28.23	19.51	22.89	6.27	15.34
Net Debt to EBITDA	2.50	0.91	2.24	-0.03	1.37
Profitability Margins
Gross Profit Margin	41.69%	61.18%	100.00%	100.00%	100.00%
EBIT Margin	6.84%	19.82%	41.98%	54.54%	-4.41%
EBITDA Margin	9.80%	21.95%	45.71%	58.26%	39.84%
Operating Profit Margin	14.19%	19.82%	59.80%	53.93%	35.44%
Pretax Profit Margin	14.16%	19.82%	41.98%	53.93%	35.44%
Net Profit Margin	12.09%	16.69%	35.25%	44.35%	30.44%
Continuous Operations Profit Margin	12.09%	16.69%	35.25%	44.35%	30.44%
Net Income Per EBT	85.37%	84.24%	83.96%	82.24%	85.89%
EBT Per EBIT	99.83%	100.00%	70.20%	100.00%	100.00%
Return on Assets (ROA)	0.66%	0.73%	1.07%	1.29%	1.02%
Return on Equity (ROE)	7.02%	8.04%	12.08%	12.79%	9.26%
Return on Capital Employed (ROCE)	0.79%	7.39%	1.88%	1.57%	1.21%
Return on Invested Capital (ROIC)	11.59%	5.98%	4.44%	3.43%	3.85%
Return on Tangible Assets	0.67%	0.74%	1.09%	1.32%	1.04%
Earnings Yield	7.11%	7.91%	10.25%	11.48%	10.93%
Efficiency Ratios
Receivables Turnover	17.59	12.88	9.23	11.50	11.68
Payables Turnover	0.00	11.04	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	3.63	2.68	1.94	1.91	2.05
Asset Turnover	0.05	0.04	0.03	0.03	0.03
Working Capital Turnover Ratio	-0.14	-0.06	0.22	0.23	0.38
Cash Conversion Cycle	20.75	-4.71	39.57	31.73	31.24
Days of Sales Outstanding	20.75	28.34	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	33.05	0.00	0.00	0.00
Operating Cycle	20.75	28.34	39.57	31.73	31.24
Cash Flow Ratios
Operating Cash Flow Per Share	3.98	4.68	5.91	5.67	5.09
Free Cash Flow Per Share	3.69	3.84	4.82	4.99	4.78
CapEx Per Share	0.29	0.83	1.09	0.68	0.31
Free Cash Flow to Operating Cash Flow	0.93	0.82	0.82	0.88	0.94
Dividend Paid and CapEx Coverage Ratio	1.64	1.89	2.21	2.60	2.90
Capital Expenditure Coverage Ratio	13.91	5.61	5.41	8.35	16.22
Operating Cash Flow Coverage Ratio	0.22	0.44	0.29	1.14	0.38
Operating Cash Flow to Sales Ratio	0.14	0.20	0.39	0.42	0.39
Free Cash Flow Yield	7.78%	7.89%	9.29%	9.46%	12.99%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	14.07	12.64	9.76	8.71	9.15
Price-to-Sales (P/S) Ratio	1.70	2.11	3.44	3.86	2.78
Price-to-Book (P/B) Ratio	0.96	1.02	1.18	1.11	0.85
Price-to-Free Cash Flow (P/FCF) Ratio	12.85	12.67	10.76	10.57	7.70
Price-to-Operating Cash Flow Ratio	11.93	10.41	8.77	9.30	7.22
Price-to-Earnings Growth (PEG) Ratio	0.25	-0.46	-0.80	0.17	0.59
Price-to-Fair Value	0.96	1.02	1.18	1.11	0.85
Enterprise Value Multiple	21.75	10.53	9.76	6.60	8.36
Enterprise Value	593.86M	379.08M	482.21M	377.37M	321.11M
EV to EBITDA	12.42	10.53	9.76	6.60	8.36
EV to Sales	2.13	2.31	4.46	3.85	3.33
EV to Free Cash Flow	16.09	13.87	13.97	10.52	9.20
EV to Operating Cash Flow	14.93	11.40	11.38	9.26	8.64
Tangible Book Value Per Share	38.75	38.86	35.14	38.39	34.57
Shareholders’ Equity Per Share	49.43	47.89	43.99	47.26	43.38
Tax and Other Ratios
Effective Tax Rate	0.15	0.16	0.16	0.18	0.14
Revenue Per Share	27.90	23.07	15.08	13.63	13.20
Net Income Per Share	3.37	3.85	5.31	6.05	4.02
Tax Burden	0.85	0.84	0.84	0.82	0.86
Interest Burden	1.00	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	0.11	0.23	0.31	0.30	0.31
Stock-Based Compensation to Revenue	<0.01	<0.01	<0.01	<0.01	<0.01
Income Quality	1.98	1.21	1.11	0.94	1.27

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