Peoples Financial Services Corp. (PFIS) Financial Ratios
29 years of historical data (1997–2025) · Financial Services · Banks - Regional
EV/EBITDA
↑
10.66
↓-25% vs avg
5yr avg: 14.19
30Y Low6.6·High34.3
P/FCF
↑
13.15
+10% vs avg
5yr avg: 11.91
30Y Low6.7·High22.4
P/B Ratio
↓
1.10
+6% vs avg
5yr avg: 1.04
30Y Low0.8·High3.0
ROE
↓
12.0%
↓+27% vs avg
5yr avg: 9.5%
30Y Low2%·High19%
Debt/EBITDA
↑
3.58
↓-7% vs avg
5yr avg: 3.84
30Y Low0.6·High14.5
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
PFIS Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Peoples Financial Services Corp. trades at 9.7x earnings, 47% below its 5-year average of 18.3x, sitting at the 17th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.3x, the stock trades at a discount of 27%. On a free-cash-flow basis, the stock trades at 13.1x P/FCF, 10% above the 5-year average of 11.9x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $570M | $491M | $439M | $348M | $374M | $381M | $270M | $372M | $326M | $345M | $360M |
| Enterprise Value | $770M | $691M | $539M | $381M | $484M | $379M | $322M | $526M | $418M | $480M | $461M |
| P/E Ratio → | 9.69 | 8.28 | 51.70 | 12.72 | 9.82 | 8.77 | 9.19 | 13.53 | 13.07 | 18.63 | 18.38 |
| P/S Ratio | 2.03 | 1.75 | 1.91 | 2.12 | 3.02 | 3.54 | 2.44 | 3.43 | 3.32 | 3.86 | 4.40 |
| P/B Ratio | 1.10 | 0.94 | 0.94 | 1.02 | 1.19 | 1.12 | 0.85 | 1.25 | 1.17 | 1.30 | 1.40 |
| P/FCF | 13.15 | 11.32 | 14.02 | 12.74 | 10.83 | 10.62 | 7.73 | 11.83 | 11.42 | 15.42 | 16.92 |
| P/OCF | 10.50 | 9.04 | 12.95 | 10.47 | 8.83 | 9.35 | 7.26 | 10.04 | 10.00 | 12.05 | 12.84 |
P/E links to full P/E history page with 30-year chart
PFIS EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Peoples Financial Services Corp.'s enterprise value stands at 10.7x EBITDA, 25% below its 5-year average of 14.2x. The Financial Services sector median is 11.4x, placing the stock at a 7% discount on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 2.46 | 2.35 | 2.32 | 3.92 | 3.52 | 2.91 | 4.85 | 4.25 | 5.39 | 5.63 |
| EV / EBITDA | 10.66 | 9.56 | 34.35 | 10.59 | 9.81 | 6.64 | 8.39 | 15.89 | 13.26 | 16.22 | 16.81 |
| EV / EBIT | 10.66 | 9.56 | 63.70 | 11.73 | 10.68 | 7.09 | 9.43 | 18.21 | 14.76 | 18.04 | 18.75 |
| EV / FCF | — | 15.94 | 17.21 | 13.95 | 14.03 | 10.57 | 9.24 | 16.71 | 14.64 | 21.50 | 21.66 |
PFIS Profitability
Margins and return-on-capital ratios measuring operating efficiency
Peoples Financial Services Corp. earns an operating margin of 25.7%, above the Financial Services sector average of 21.4%. Operating margins have expanded from 19.8% to 25.7% over the past 3 years, signaling improving operational efficiency. ROE of 12.0% is modest. ROIC of 7.7% represents adequate returns on invested capital versus a sector median of 5.7%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 66.6% | 66.6% | 50.1% | 61.2% | 87.8% | 89.6% | 80.4% | 77.9% | 82.2% | 84.9% | 85.0% |
| Operating Margin | 25.7% | 25.7% | 3.7% | 19.8% | 36.7% | 49.7% | 30.9% | 26.6% | 28.8% | 29.9% | 30.0% |
| Net Profit Margin | 21.1% | 21.1% | 3.7% | 16.7% | 30.8% | 40.4% | 26.5% | 23.7% | 25.3% | 20.7% | 23.9% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 12.0% | 12.0% | 2.1% | 8.4% | 11.6% | 13.2% | 9.5% | 8.9% | 9.2% | 7.1% | 7.7% |
| ROA | 1.1% | 1.1% | 0.2% | 0.8% | 1.1% | 1.4% | 1.1% | 1.1% | 1.1% | 0.9% | 1.0% |
| ROIC | 7.7% | 7.7% | 1.2% | 5.5% | 8.1% | 10.2% | 5.7% | 4.9% | 5.0% | 4.8% | 5.0% |
| ROCE | 2.4% | 2.4% | 1.5% | 7.8% | 11.4% | 13.4% | 9.2% | 8.5% | 8.7% | 8.1% | 7.5% |
PFIS Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Peoples Financial Services Corp. carries a Debt/EBITDA ratio of 3.6x, which is moderately leveraged (13% below the sector average of 4.1x). Net debt stands at $200M ($258M total debt minus $58M cash). Interest coverage of just 0.8x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.50 | 0.50 | 0.33 | 0.22 | 0.47 | 0.10 | 0.31 | 0.62 | 0.45 | 0.65 | 0.55 |
| Debt / EBITDA | 3.58 | 3.58 | 9.91 | 2.10 | 3.01 | 0.62 | 2.54 | 5.59 | 3.95 | 5.85 | 5.13 |
| Net Debt / Equity | — | 0.38 | 0.21 | 0.10 | 0.35 | -0.01 | 0.17 | 0.51 | 0.33 | 0.51 | 0.39 |
| Net Debt / EBITDA | 2.77 | 2.77 | 6.36 | 0.91 | 2.24 | -0.03 | 1.37 | 4.64 | 2.91 | 4.59 | 3.68 |
| Debt / FCF | — | 4.61 | 3.19 | 1.20 | 3.20 | -0.05 | 1.51 | 4.88 | 3.21 | 6.08 | 4.74 |
| Interest Coverage | 0.77 | 0.77 | 0.09 | 0.52 | 2.91 | 5.68 | 2.39 | 1.62 | 2.13 | 3.06 | 3.39 |
PFIS Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
Peoples Financial Services Corp.'s current ratio of 8.76x is well above the 1.0 safety threshold, indicating strong short-term liquidity with ample room to cover current liabilities. The current ratio has improved from 0.14x to 8.76x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 8.76 | 8.76 | 0.08 | 0.14 | 0.17 | 0.19 | 0.14 | 0.17 | 0.16 | 0.17 | 0.18 |
| Quick Ratio | 8.76 | 8.76 | 0.08 | 0.14 | 0.17 | 0.19 | 0.14 | 0.17 | 0.16 | 0.17 | 0.18 |
| Cash Ratio | 1.79 | 1.79 | 0.01 | 0.01 | 0.01 | 0.01 | 0.02 | 0.01 | 0.02 | 0.02 | 0.02 |
| Asset Turnover | — | 0.05 | 0.05 | 0.04 | 0.03 | 0.03 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
PFIS Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Peoples Financial Services Corp. returns 4.3% to shareholders annually primarily through dividends. A payout ratio of 41.6% is moderate and appears sustainable, balancing shareholder returns with reinvestment capacity. The earnings yield of 10.3% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 4.3% | 5.0% | 4.1% | 3.3% | 3.0% | 2.8% | 3.9% | 2.7% | 3.0% | 2.7% | 2.5% |
| Payout Ratio | 41.6% | 41.6% | 212.9% | 42.6% | 29.7% | 24.8% | 35.8% | 39.4% | 38.9% | 50.5% | 46.8% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 10.3% | 12.1% | 1.9% | 7.9% | 10.2% | 11.4% | 10.9% | 7.4% | 7.6% | 5.4% | 5.4% |
| FCF Yield | 7.6% | 8.8% | 7.1% | 7.8% | 9.2% | 9.4% | 12.9% | 8.5% | 8.8% | 6.5% | 5.9% |
| Buyback Yield | 0.0% | 0.0% | 0.0% | 1.7% | 0.3% | 0.6% | 2.6% | 0.2% | 0.0% | 0.0% | 0.2% |
| Total Shareholder Yield | 4.3% | 5.0% | 4.1% | 5.0% | 3.4% | 3.5% | 6.5% | 2.9% | 3.0% | 2.7% | 2.7% |
| Shares Outstanding | — | $10M | $9M | $7M | $7M | $7M | $7M | $7M | $7M | $7M | $7M |
Peer Comparison
Compare PFIS with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 PFISYou | $570M | 9.7 | 10.7 | 13.1 | 66.6% | 25.7% | 12.0% | 7.7% | 3.6 |
 NBTB | $2B | 13.4 | 10.3 | 10.7 | 72.1% | 25.3% | 9.9% | 7.9% | 1.4 |
 FULT | $4B | 10.4 | 9.8 | 14.6 | 67.4% | 25.7% | 11.7% | 7.5% | 2.5 |
 CZWI | $204M | 14.5 | 15.3 | 19.6 | 54.7% | 7.0% | 7.9% | 2.0% | 5.8 |
 CZNC | $389M | 14.9 | 18.7 | 13.8 | 65.3% | 18.6% | 7.6% | 4.2% | 6.7 |
 WSBC | $3B | 15.1 | 15.2 | 11.7 | 62.9% | 19.7% | 6.5% | 4.3% | 5.3 |
 UVSP | $1B | 12.3 | 7.5 | 11.4 | 61.0% | 21.9% | 9.9% | 6.5% | 2.9 |
 MBIN | $2B | 12.3 | 22.3 | — | 41.3% | 19.3% | 9.7% | 3.1% | 14.4 |
 NFBK | $592M | 19.7 | 24.3 | 19.8 | 49.1% | 16.1% | 4.3% | 2.0% | 15.6 |
 FUNC | $243M | 11.9 | 11.4 | 11.9 | 68.8% | 24.4% | 12.1% | 5.9% | 6.1 |
 FIS | $24B | 62.1 | 7.6 | 9.8 | 36.9% | 16.5% | 2.6% | 6.0% | 1.1 |
| Financial Services Median | — | 13.3 | 11.4 | 10.6 | 62.9% | 21.4% | 9.5% | 5.7% | 4.1 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 29 years · Updated daily
See PFIS's True Return
Price is only half the story. See total return with reinvested dividends.
Launch CalculatorIs PFIS Undervalued?
DCF intrinsic value, peer multiples, and analyst estimates — see what the stock is really worth.
View ValuationCompare PFIS vs NBTB
Side-by-side business, growth, and profitability comparison vs NBT Bancorp Inc..
Start ComparisonPFIS — Frequently Asked Questions
Quick answers to the most common questions about buying PFIS stock.
What is Peoples Financial Services Corp.'s P/E ratio?
Peoples Financial Services Corp.'s current P/E ratio is 9.7x. The historical average is 17.5x. This places it at the 17th percentile of its historical range.
What is Peoples Financial Services Corp.'s EV/EBITDA?
Peoples Financial Services Corp.'s current EV/EBITDA is 10.7x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 16.5x.
What is Peoples Financial Services Corp.'s ROE?
Peoples Financial Services Corp.'s return on equity (ROE) is 12.0%. The historical average is 10.7%.
Is PFIS stock overvalued?
Based on historical data, Peoples Financial Services Corp. is trading at a P/E of 9.7x. This is at the 17th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is Peoples Financial Services Corp.'s dividend yield?
Peoples Financial Services Corp.'s current dividend yield is 4.30% with a payout ratio of 41.6%.
What are Peoples Financial Services Corp.'s profit margins?
Peoples Financial Services Corp. has 66.6% gross margin and 25.7% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
How much debt does Peoples Financial Services Corp. have?
Peoples Financial Services Corp.'s Debt/EBITDA ratio is 3.6x, indicating high leverage. A ratio between 2-4x is manageable but warrants monitoring.