Breakdown | TTM | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
---|---|---|---|---|---|---|
Income Statement | ||||||
Total Revenue | 255.40M | 229.80M | 164.00M | 123.66M | 107.75M | 110.77M |
Gross Profit | 138.11M | 115.19M | 100.34M | 108.52M | 96.58M | 89.04M |
EBITDA | 31.89M | 15.70M | 36.00M | 49.40M | 57.16M | 38.42M |
Net Income | 20.04M | 8.50M | 27.38M | 38.09M | 43.52M | 29.35M |
Balance Sheet | ||||||
Total Assets | 5.00B | 5.09B | 3.74B | 3.55B | 3.37B | 2.88B |
Cash, Cash Equivalents and Short-Term Investments | 328.39M | 323.18M | 441.59M | 515.57M | 554.83M | 341.10M |
Total Debt | 144.31M | 155.58M | 75.59M | 148.49M | 35.71M | 97.77M |
Total Liabilities | 4.52B | 4.62B | 3.40B | 3.24B | 3.03B | 2.57B |
Stockholders Equity | 481.85M | 468.95M | 340.42M | 315.35M | 340.13M | 316.88M |
Cash Flow | ||||||
Free Cash Flow | 36.91M | 31.35M | 27.33M | 34.53M | 35.89M | 34.89M |
Operating Cash Flow | 39.77M | 33.92M | 33.25M | 42.36M | 40.77M | 37.18M |
Investing Cash Flow | 433.11M | 387.15M | -25.75M | -467.82M | -440.10M | -201.24M |
Financing Cash Flow | -505.75M | -472.58M | 142.00M | 183.40M | 451.07M | 361.10M |
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
---|---|---|---|---|---|---|---|
79 Outperform | $526.52M | 24.77 | 4.88% | 4.69% | 51.62% | -34.65% | |
76 Outperform | $459.79M | 15.10 | 7.44% | 3.10% | 22.16% | -15.57% | |
75 Outperform | $456.57M | 16.14 | 7.25% | 4.09% | 11.46% | -1.07% | |
75 Outperform | $515.99M | 15.60 | 10.62% | 2.20% | 0.13% | 19.68% | |
70 Outperform | $511.51M | 15.64 | 4.48% | 4.33% | 10.00% | 2.81% | |
68 Neutral | $568.44M | 18.53 | 6.27% | 3.75% | 40.06% | 145.33% | |
64 Neutral | $6.48B | 11.45 | 7.19% | 225.06% | 23.75% | 4.96% |
On June 23, 2025, Peoples Security Bank and Trust Company entered into an agreement to purchase property in Moosic, Pennsylvania, for $19.5 million, with additional costs for repairs and improvements. The transaction, set to close by June 30, 2026, will see the bank assume all current leases of the property, impacting its operational footprint and potentially enhancing its market position.
On June 6, 2025, Peoples Financial Services Corp. completed a private placement of $85 million in subordinated notes, which are intended to qualify as Tier 2 capital for regulatory purposes. The notes, bearing a fixed-to-floating interest rate, will help repay existing subordinated debt and support general corporate purposes. The transaction was oversubscribed, reflecting strong investor demand, and is seen as a strategic move to strengthen the company’s balance sheet and support growth following its merger with FNCB Bancorp, Inc.
On May 30, 2025, Peoples Financial Services Corp. announced that its board of directors approved amendments to the company’s bylaws. These changes clarify the roles of Chief Executive Officer and President, allowing different individuals to hold these positions, and specify their roles in the Executive Committee, particularly regarding voting rights and quorum requirements.
In Q1 2025, Peoples Financial Services Corp. reported a net income of $15.0 million, with a return on average assets of 1.22% and a net interest margin of 3.50%. The company maintained a strong deposit base of $4.32 billion and a loan-to-deposit ratio of 92.5%. Asset quality remained robust with nonperforming assets at 0.47% of total assets. The company also reported a tangible common equity to tangible assets ratio of 7.63% and a tangible book value per share of $37.35, reflecting its solid capital and liquidity position.
On May 29, 2025, Peoples Financial Services Corp. announced the voluntary redemption of all $33,000,000 in principal amount of its 5.375% Fixed to Floating Subordinated Notes due 2030. The redemption, set for June 30, 2025, will result in no outstanding principal amount related to these notes, impacting the company’s financial obligations.
On May 9, 2025, Peoples Financial Services Corp. held its annual shareholders meeting where key decisions were made regarding the company’s governance and operations. Shareholders elected five directors to serve until 2028, approved executive compensation, and ratified Baker Tilly US, LLP as the independent accounting firm for 2025. However, a proposal to amend the bylaws to limit the personal liability of directors and officers was not approved.
The most recent analyst rating on (PFIS) stock is a Hold with a $47.00 price target. To see the full list of analyst forecasts on Peoples Financial Services stock, see the PFIS Stock Forecast page.