Last 47 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Peoples Financial Services Corp.'s quarterly P/E stands at 10.2x, down 51.2% year-over-year — suggesting improving earnings relative to price. EV/EBITDA has compressed 45.5% YoY to 10.2x, reflecting multiple compression or accelerating EBITDA.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 10.03 | 10.23 | 8.05 | 7.35 | 7.46 | 20.98 | — | 24.75 | 21.99 | 23.87 | 10.55 | 8.36 | 10.32 |
| — | -51.2% | — | -70.3% | -66.1% | -12.1% | — | +196.2% | +113.1% | +133.9% | +24.4% | -22.2% | +8.8% | |
| P/S Ratio | 2.10 | 1.74 | 1.72 | 1.74 | 1.64 | 1.80 | 1.59 | 1.93 | 1.81 | 1.99 | 1.68 | 1.95 | 2.06 |
| — | -3.2% | +8.1% | -10.0% | -9.1% | -9.8% | -5.4% | -0.9% | -12.2% | -29.8% | -35.2% | -42.3% | -35.8% | |
| P/B Ratio | 1.14 | 0.94 | 0.96 | 1.01 | 0.93 | 1.10 | 0.99 | 0.95 | 0.90 | 1.01 | 0.88 | 0.95 | 0.95 |
| — | -13.9% | -2.9% | +6.0% | +2.9% | +8.1% | +12.6% | +0.3% | -5.2% | -14.3% | -21.4% | -26.7% | -16.5% | |
| P/FCF | 13.61 | 9.28 | 9.41 | 14.64 | 13.03 | 22.67 | 6.69 | 60.40 | 25.43 | 9.90 | 12.92 | 7.12 | 38.19 |
| — | -59.1% | +40.5% | -75.8% | -48.8% | +128.9% | -48.2% | +748.8% | -33.4% | +2.8% | +37.4% | -43.4% | +229.3% | |
| EV / EBITDA | 10.94 | 10.19 | 8.46 | 7.54 | 6.20 | 18.71 | — | 23.86 | 17.80 | 18.46 | 8.97 | 7.21 | 8.88 |
| — | -45.5% | — | -68.4% | -65.1% | +1.4% | — | +231.1% | +100.5% | +84.3% | +38.3% | -34.9% | +22.3% | |
| EV / EBIT | 10.94 | 10.19 | 9.60 | 8.53 | 7.14 | 26.41 | — | 29.45 | 21.82 | 22.42 | 9.95 | 7.75 | 9.73 |
| — | -61.4% | — | -71.0% | -67.2% | +17.8% | — | +280.1% | +124.3% | +100.7% | +38.4% | -33.4% | +24.2% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Peoples Financial Services Corp.'s operating margin was 20.9% in Q4 2025, down 5.6 pp QoQ and up 12.7 pp YoY. This marks the 3rd consecutive quarter of margin compression, signaling a persistent pressure on profitability that investors should monitor. The trailing four-quarter average of 25.7% exceeds the current quarter, suggesting the latest result may reflect seasonal weakness or a one-off headwind. Gross margin expanded 13.7% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 66.6% | 64.9% | 67.5% | 68.0% | 66.1% | 57.1% | 41.2% | 52.2% | 51.9% | 50.4% | 59.2% | 69.1% | 67.1% |
| — | +13.7% | +63.8% | +30.4% | +27.2% | +13.3% | -30.4% | -24.6% | -22.6% | -40.4% | -30.8% | -22.7% | -27.2% | |
| Operating Margin | 25.7% | 20.9% | 26.4% | 28.6% | 26.8% | 8.1% | -6.7% | 8.8% | 9.3% | 9.7% | 19.0% | 27.9% | 23.6% |
| — | +156.6% | +491.8% | +224.0% | +188.5% | -16.5% | -135.5% | -68.3% | -60.6% | -70.4% | -48.1% | -25.5% | -41.4% | |
| Net Margin | 21.1% | 17.0% | 21.4% | 23.7% | 22.1% | 8.5% | -5.9% | 7.8% | 8.2% | 8.4% | 15.9% | 23.4% | 20.0% |
| — | +99.5% | +465.0% | +202.5% | +170.0% | +1.6% | -136.9% | -66.5% | -59.1% | -69.8% | -48.1% | -25.5% | -41.0% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 12.0% | 2.3% | 3.0% | 3.5% | 3.2% | 1.3% | -1.1% | 1.0% | 1.0% | 1.1% | 2.1% | 2.9% | 2.4% |
| — | +80.5% | +385.8% | +260.4% | +209.9% | +18.1% | -151.7% | -66.2% | -56.7% | -63.1% | -36.7% | -3.5% | -19.3% | |
| ROA | 1.1% | 0.2% | 0.3% | 0.3% | 0.3% | 0.1% | -0.1% | 0.1% | 0.1% | 0.1% | 0.2% | 0.3% | 0.2% |
| — | +97.1% | +407.5% | +272.4% | +218.2% | +21.5% | -153.8% | -64.8% | -55.4% | -62.9% | -37.5% | -7.2% | -26.8% | |
| ROIC | 7.7% | 1.5% | 1.8% | 2.2% | 2.2% | 0.7% | -0.6% | 0.6% | 0.7% | 0.8% | 1.5% | 2.1% | 1.6% |
| — | +117.5% | +379.1% | +266.4% | +208.7% | -11.7% | -143.3% | -70.9% | -54.3% | -61.6% | -31.6% | +3.1% | -34.1% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Peoples Financial Services Corp.'s Debt/EBITDA ratio is 11.4x, down from 14.2x last quarter — elevated, raising questions about debt serviceability. The current ratio has improved 2816.7% YoY to 2.32x, strengthening the short-term liquidity position.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.50 | 0.32 | 0.60 | 0.55 | 0.30 | 0.33 | 0.40 | 0.48 | 0.23 | 0.22 | 0.26 | 0.23 | 0.23 |
| — | -3.1% | +49.6% | +15.2% | +30.1% | +49.4% | +52.5% | +103.7% | +0.5% | -52.8% | +62.1% | -55.5% | +108.7% | |
| Debt / EBITDA | 3.58 | 11.35 | 14.24 | 11.69 | 6.87 | 18.95 | — | 35.50 | 16.19 | 14.76 | 9.48 | 6.42 | 7.66 |
| — | -40.1% | — | -67.1% | -57.6% | +28.4% | — | +453.1% | +111.3% | +20.0% | +157.0% | -54.1% | +169.4% | |
| Current Ratio | 8.76 | 2.32 | 0.09 | 0.09 | 0.08 | 0.08 | 0.15 | 0.15 | 0.14 | 0.14 | 0.13 | 0.14 | 0.14 |
| — | +2816.7% | -37.8% | -40.1% | -41.5% | -43.3% | +12.6% | +3.5% | -1.4% | -16.6% | -21.3% | -24.9% | -27.1% | |
| Quick Ratio | 8.76 | 2.32 | 0.09 | 0.09 | 0.08 | 0.08 | 0.15 | 0.15 | 0.14 | 0.14 | 0.13 | 0.14 | 0.14 |
| — | +2816.7% | -37.8% | -40.1% | -41.5% | -43.3% | +12.6% | +3.5% | -1.4% | -16.6% | -21.3% | -24.9% | -27.1% | |
| Interest Coverage | 0.77 | 0.62 | 0.79 | 0.89 | 0.80 | 0.21 | -0.17 | 0.19 | 0.20 | 0.21 | 0.46 | 0.77 | 0.80 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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Peoples Financial Services Corp.'s current P/E is 10.0x. The average P/E over the last 4 quarters is 8.3x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Peoples Financial Services Corp.'s current operating margin is 25.7%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Peoples Financial Services Corp.'s business trajectory between earnings reports.