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Peoples Financial Services Corp. (PFIS)
NASDAQ:PFIS
US Market

Peoples Financial Services (PFIS) Ratios

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Peoples Financial Services Ratios

PFIS's free cash flow for Q3 2025 was $0.68. For the 2025 fiscal year, PFIS's free cash flow was decreased by $ and operating cash flow was $0.26. See a summary of the company’s cash flow.
Ratios
TTM
Dec 24Dec 23Dec 22Dec 21
Liquidity Ratios
Current Ratio
0.09 0.08 0.14 4.55 1.38K
Quick Ratio
0.09 0.08 0.14 4.98 2.09K
Cash Ratio
0.02 0.01 0.01 0.33 91.93
Solvency Ratio
0.01 <0.01 <0.01 0.01 0.02
Operating Cash Flow Ratio
<0.01 <0.01 0.01 0.37 99.93
Short-Term Operating Cash Flow Coverage
0.54 2.13 1.89 0.37 0.00
Net Current Asset Value
$ -4.24B$ -4.27B$ -2.94B$ -2.71B$ -2.47B
Leverage Ratios
Debt-to-Assets Ratio
0.06 0.03 0.02 0.04 0.01
Debt-to-Equity Ratio
0.60 0.33 0.22 0.47 0.10
Debt-to-Capital Ratio
0.37 0.25 0.18 0.32 0.10
Long-Term Debt-to-Capital Ratio
0.31 0.23 0.15 0.10 0.10
Financial Leverage Ratio
10.13 10.86 10.99 11.27 9.91
Debt Service Coverage Ratio
0.37 0.14 0.38 0.32 5.07
Interest Coverage Ratio
0.65 0.09 0.52 4.15 5.62
Debt to Market Cap
0.59 0.36 0.22 0.40 0.09
Interest Debt Per Share
40.21 29.43 19.51 22.89 6.27
Net Debt to EBITDA
3.16 6.36 0.91 2.24 -0.03
Profitability Margins
Gross Profit Margin
64.66%50.13%61.18%100.00%100.00%
EBIT Margin
22.45%3.69%19.82%41.98%54.54%
EBITDA Margin
26.11%6.83%21.95%45.71%58.26%
Operating Profit Margin
22.45%3.69%19.82%59.80%53.93%
Pretax Profit Margin
22.43%3.69%19.82%41.98%53.93%
Net Profit Margin
18.88%3.70%16.69%35.25%44.35%
Continuous Operations Profit Margin
18.88%3.70%16.69%35.25%44.35%
Net Income Per EBT
84.16%100.35%84.24%83.96%82.24%
EBT Per EBIT
99.90%100.00%100.00%70.20%100.00%
Return on Assets (ROA)
1.03%0.17%0.73%1.07%1.29%
Return on Equity (ROE)
10.91%1.81%8.04%12.08%12.79%
Return on Capital Employed (ROCE)
8.07%1.28%7.39%1.88%1.57%
Return on Invested Capital (ROIC)
6.19%1.25%5.98%4.44%3.43%
Return on Tangible Assets
1.05%0.17%0.74%1.09%1.32%
Earnings Yield
10.40%1.95%7.91%10.25%11.48%
Efficiency Ratios
Receivables Turnover
16.61 14.70 12.88 9.23 11.50
Payables Turnover
12.51 20.83 11.04 0.00 0.00
Inventory Turnover
0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
3.67 3.14 2.68 1.94 1.91
Asset Turnover
0.05 0.05 0.04 0.03 0.03
Working Capital Turnover Ratio
-0.07 -0.07 -0.06 0.22 0.23
Cash Conversion Cycle
-7.21 7.30 -4.71 39.57 31.73
Days of Sales Outstanding
21.97 24.83 28.34 39.57 31.73
Days of Inventory Outstanding
0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
29.18 17.53 33.05 0.00 0.00
Operating Cycle
21.97 24.83 28.34 39.57 31.73
Cash Flow Ratios
Operating Cash Flow Per Share
4.15 3.98 4.68 5.91 5.67
Free Cash Flow Per Share
3.58 3.67 3.84 4.82 4.99
CapEx Per Share
0.57 0.30 0.83 1.09 0.68
Free Cash Flow to Operating Cash Flow
0.86 0.92 0.82 0.82 0.88
Dividend Paid and CapEx Coverage Ratio
1.37 1.64 1.89 2.21 2.60
Capital Expenditure Coverage Ratio
7.25 13.17 5.61 5.41 8.35
Operating Cash Flow Coverage Ratio
0.14 0.22 0.44 0.29 1.14
Operating Cash Flow to Sales Ratio
0.15 0.15 0.20 0.39 0.42
Free Cash Flow Yield
6.98%7.18%7.89%9.29%9.46%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
9.61 51.38 12.64 9.76 8.71
Price-to-Sales (P/S) Ratio
1.81 1.90 2.11 3.44 3.86
Price-to-Book (P/B) Ratio
1.01 0.93 1.02 1.18 1.11
Price-to-Free Cash Flow (P/FCF) Ratio
14.32 13.93 12.67 10.76 10.57
Price-to-Operating Cash Flow Ratio
12.35 12.87 10.41 8.77 9.30
Price-to-Earnings Growth (PEG) Ratio
0.17 -0.69 -0.46 -0.80 0.17
Price-to-Fair Value
1.01 0.93 1.02 1.18 1.11
Enterprise Value Multiple
10.11 34.17 10.53 9.76 6.60
Enterprise Value
745.36M 536.58M 379.08M 482.21M 377.37M
EV to EBITDA
10.11 34.17 10.53 9.76 6.60
EV to Sales
2.64 2.34 2.31 4.46 3.85
EV to Free Cash Flow
20.83 17.12 13.87 13.97 10.52
EV to Operating Cash Flow
17.96 15.82 11.40 11.38 9.26
Tangible Book Value Per Share
40.30 41.90 38.86 35.14 38.39
Shareholders’ Equity Per Share
50.95 54.97 47.89 43.99 47.26
Tax and Other Ratios
Effective Tax Rate
0.16 >-0.01 0.16 0.16 0.18
Revenue Per Share
28.25 26.94 23.07 15.08 13.63
Net Income Per Share
5.33 1.00 3.85 5.31 6.05
Tax Burden
0.84 1.00 0.84 0.84 0.82
Interest Burden
1.00 1.00 1.00 1.00 0.99
Research & Development to Revenue
0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
0.17 0.21 0.23 0.31 0.30
Stock-Based Compensation to Revenue
<0.01 <0.01 <0.01 <0.01 <0.01
Income Quality
0.78 3.99 1.21 1.11 0.94
Currency in USD