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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 Q3 2025 was $0.00. 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	9.03	0.14	4.55	1.38K	6.89
Quick Ratio	9.03	0.14	4.98	2.09K	11.56
Cash Ratio	0.81	0.01	0.33	91.93	0.89
Solvency Ratio	0.01	<0.01	0.01	0.02	0.01
Operating Cash Flow Ratio	0.49	0.01	0.37	99.93	0.73
Short-Term Operating Cash Flow Coverage	1.27	1.89	0.37	0.00	0.74
Net Current Asset Value	$ -3.96B	$ -2.94B	$ -2.71B	$ -2.47B	$ -2.22B
Leverage Ratios
Debt-to-Assets Ratio	0.03	0.02	0.04	0.01	0.03
Debt-to-Equity Ratio	0.31	0.22	0.47	0.10	0.31
Debt-to-Capital Ratio	0.24	0.18	0.32	0.10	0.24
Long-Term Debt-to-Capital Ratio	0.20	0.15	0.10	0.10	0.13
Financial Leverage Ratio	10.13	10.99	11.27	9.91	9.10
Debt Service Coverage Ratio	0.60	0.38	0.32	5.07	0.52
Interest Coverage Ratio	0.87	0.52	4.15	5.62	2.39
Debt to Market Cap	0.34	0.22	0.40	0.09	0.36
Interest Debt Per Share	23.22	19.51	22.89	6.27	15.34
Net Debt to EBITDA	1.34	0.91	2.24	-0.03	1.37
Profitability Margins
Gross Profit Margin	47.64%	61.18%	100.00%	100.00%	100.00%
EBIT Margin	22.69%	19.82%	41.98%	54.54%	-4.41%
EBITDA Margin	25.45%	21.95%	45.71%	58.26%	39.84%
Operating Profit Margin	22.69%	19.82%	59.80%	53.93%	35.44%
Pretax Profit Margin	22.45%	19.82%	41.98%	53.93%	35.44%
Net Profit Margin	18.89%	16.69%	35.25%	44.35%	30.44%
Continuous Operations Profit Margin	18.89%	16.69%	35.25%	44.35%	30.44%
Net Income Per EBT	84.16%	84.24%	83.96%	82.24%	85.89%
EBT Per EBIT	98.91%	100.00%	70.20%	100.00%	100.00%
Return on Assets (ROA)	1.03%	0.73%	1.07%	1.29%	1.02%
Return on Equity (ROE)	10.91%	8.04%	12.08%	12.79%	9.26%
Return on Capital Employed (ROCE)	1.26%	7.39%	1.88%	1.57%	1.21%
Return on Invested Capital (ROIC)	6.31%	5.98%	4.44%	3.43%	3.85%
Return on Tangible Assets	1.05%	0.74%	1.09%	1.32%	1.04%
Earnings Yield	11.56%	7.91%	10.25%	11.48%	10.93%
Efficiency Ratios
Receivables Turnover	16.60	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	0.00	2.68	1.94	1.91	2.05
Asset Turnover	0.05	0.04	0.03	0.03	0.03
Working Capital Turnover Ratio	0.92	-0.06	0.22	0.23	0.38
Cash Conversion Cycle	21.98	-4.71	39.57	31.73	31.24
Days of Sales Outstanding	21.98	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	21.98	28.34	39.57	31.73	31.24
Cash Flow Ratios
Operating Cash Flow Per Share	3.71	4.68	5.91	5.67	5.09
Free Cash Flow Per Share	3.83	3.84	4.82	4.99	4.78
CapEx Per Share	0.12	0.83	1.09	0.68	0.31
Free Cash Flow to Operating Cash Flow	1.03	0.82	0.82	0.88	0.94
Dividend Paid and CapEx Coverage Ratio	1.28	1.89	2.21	2.60	2.90
Capital Expenditure Coverage Ratio	31.67	5.61	5.41	8.35	16.22
Operating Cash Flow Coverage Ratio	0.23	0.44	0.29	1.14	0.38
Operating Cash Flow to Sales Ratio	0.13	0.20	0.39	0.42	0.39
Free Cash Flow Yield	8.30%	7.89%	9.29%	9.46%	12.99%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	8.65	12.64	9.76	8.71	9.15
Price-to-Sales (P/S) Ratio	1.63	2.11	3.44	3.86	2.78
Price-to-Book (P/B) Ratio	0.91	1.02	1.18	1.11	0.85
Price-to-Free Cash Flow (P/FCF) Ratio	12.05	12.67	10.76	10.57	7.70
Price-to-Operating Cash Flow Ratio	12.43	10.41	8.77	9.30	7.22
Price-to-Earnings Growth (PEG) Ratio	0.15	-0.46	-0.80	0.17	0.59
Price-to-Fair Value	0.91	1.02	1.18	1.11	0.85
Enterprise Value Multiple	7.77	10.53	9.76	6.60	8.36
Enterprise Value	557.75M	379.08M	482.21M	377.37M	321.11M
EV to EBITDA	7.77	10.53	9.76	6.60	8.36
EV to Sales	1.98	2.31	4.46	3.85	3.33
EV to Free Cash Flow	14.58	13.87	13.97	10.52	9.20
EV to Operating Cash Flow	15.04	11.40	11.38	9.26	8.64
Tangible Book Value Per Share	40.43	38.86	35.14	38.39	34.57
Shareholders’ Equity Per Share	50.95	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	28.23	23.07	15.08	13.63	13.20
Net Income Per Share	5.33	3.85	5.31	6.05	4.02
Tax Burden	0.84	0.84	0.84	0.82	0.86
Interest Burden	0.99	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	0.43	1.21	1.11	0.94	1.27

Currency in USD