Last 48 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 11.65 | 11.21 | 9.07 | 10.23 | 8.05 | 7.35 | 7.46 | 20.98 | — | 24.75 | 21.99 | 23.87 | 10.55 | 8.36 | 10.32 | 10.20 | 8.49 | 10.74 | 9.49 | 5.78 | 9.04 |
| — | +52.6% | +21.6% | -51.2% | — | -70.3% | -66.1% | -12.1% | — | +196.2% | +113.1% | +133.9% | +24.4% | -22.2% | +8.8% | +76.6% | -6.2% | +19.0% | +17.7% | -29.0% | +18.6% | |
| P/S Ratio | 3.66 | 3.19 | 2.69 | 2.63 | 2.59 | 2.57 | 2.47 | 2.91 | 2.62 | 3.61 | 3.37 | 3.68 | 2.86 | 3.06 | 2.92 | 3.64 | 2.98 | 3.65 | 3.44 | 3.84 | 3.23 |
| — | +24.3% | +8.6% | -9.8% | -1.0% | -28.8% | -26.6% | -20.8% | -8.4% | +17.7% | +15.4% | +1.0% | -4.2% | -16.0% | -15.0% | -5.2% | -7.6% | +12.2% | +9.0% | +41.3% | +26.3% | |
| P/B Ratio | 1.33 | 1.24 | 1.02 | 0.94 | 0.96 | 1.01 | 0.93 | 1.10 | 0.99 | 0.95 | 0.90 | 1.01 | 0.88 | 0.95 | 0.95 | 1.18 | 1.12 | 1.29 | 1.14 | 1.12 | 1.01 |
| — | +23.3% | +9.8% | -13.9% | -2.9% | +6.0% | +2.9% | +8.1% | +12.6% | +0.3% | -5.2% | -14.3% | -21.4% | -26.7% | -16.5% | +6.0% | +11.3% | +36.1% | +17.9% | +32.6% | +24.1% | |
| P/FCF | 15.82 | 13.69 | 20.62 | 9.28 | 9.41 | 14.64 | 13.03 | 22.67 | 6.69 | 60.40 | 25.43 | 9.90 | 12.92 | 7.12 | 38.19 | 9.64 | 9.40 | 12.58 | 11.60 | 6.86 | 8.42 |
| — | -6.4% | +58.3% | -59.1% | +40.5% | -75.8% | -48.8% | +128.9% | -48.2% | +748.8% | -33.4% | +2.8% | +37.4% | -43.4% | +229.3% | +40.5% | +11.7% | -82.8% | +68.8% | +238.3% | — | |
| EV / EBITDA | 10.69 | 11.28 | 9.33 | 8.65 | 8.46 | 7.54 | 6.20 | 18.71 | — | 23.86 | 17.80 | 18.46 | 8.97 | 7.21 | 8.88 | 10.02 | 6.49 | 11.07 | 7.26 | 4.37 | 6.96 |
| — | +49.6% | +50.4% | -53.8% | — | -68.4% | -65.1% | +1.4% | — | +231.1% | +100.5% | +84.3% | +38.3% | -34.9% | +22.3% | +129.3% | -6.9% | +66.3% | +3.7% | -40.6% | +2.0% | |
| EV / EBIT | 12.26 | 11.28 | 10.66 | 10.19 | 9.60 | 8.53 | 7.14 | 26.41 | — | 29.45 | 21.82 | 22.42 | 9.95 | 7.75 | 9.73 | 11.17 | 7.19 | 11.64 | 7.83 | 4.59 | 7.46 |
| — | +32.2% | +49.2% | -61.4% | — | -71.0% | -67.2% | +17.8% | — | +280.1% | +124.3% | +100.7% | +38.4% | -33.4% | +24.2% | +143.2% | -3.5% | +60.8% | +4.0% | -45.4% | -0.1% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 99.9% | 94.0% | 97.2% | 97.9% | 101.8% | 100.5% | 99.6% | 92.4% | 67.8% | 97.3% | 96.9% | 92.9% | 100.7% | 108.6% | 95.3% | 108.4% | 98.4% | 96.6% | 98.9% | 100.0% | 98.4% |
| — | -6.4% | -2.4% | +6.0% | +50.0% | +3.2% | +2.8% | -0.6% | -32.6% | -10.3% | +1.7% | -14.3% | +2.3% | +12.5% | -3.6% | +8.4% | -0.0% | -3.0% | -3.1% | +4.5% | +2.8% | |
| Operating Margin | 38.6% | 35.3% | 37.2% | 31.5% | 39.8% | 42.3% | 40.4% | 13.2% | -11.1% | 16.5% | 17.4% | 18.0% | 32.3% | 43.8% | 33.6% | 42.2% | 42.1% | 40.4% | 43.2% | 83.2% | 42.6% |
| — | -16.4% | -8.0% | +139.2% | +458.7% | +156.5% | +133.0% | -26.7% | -134.3% | -62.4% | -48.3% | -57.5% | -23.2% | +8.5% | -22.4% | -49.2% | -1.2% | -5.4% | -13.6% | +115.1% | +7.8% | |
| Net Margin | 31.6% | 28.4% | 29.6% | 25.6% | 32.2% | 35.0% | 33.3% | 13.8% | -9.6% | 14.6% | 15.3% | 15.5% | 27.0% | 36.7% | 28.4% | 35.6% | 35.2% | 33.9% | 36.3% | 66.4% | 35.6% |
| — | -18.9% | -10.9% | +85.9% | +434.2% | +139.5% | +118.0% | -10.9% | -135.7% | -60.2% | -46.2% | -56.6% | -23.3% | +8.5% | -21.9% | -46.3% | -1.2% | -5.9% | -6.9% | +99.1% | +6.6% |
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 12.0% | 2.8% | 2.8% | 2.3% | 3.0% | 3.5% | 3.2% | 1.3% | -1.1% | 1.0% | 1.0% | 1.1% | 2.1% | 2.9% | 2.4% | 3.0% | 3.2% | 3.0% | 2.9% | 4.9% | 2.8% |
| — | -19.7% | -10.6% | +80.5% | +385.8% | +260.4% | +209.9% | +18.1% | -151.7% | -66.2% | -56.7% | -63.1% | -36.7% | -3.5% | -19.3% | -39.7% | +16.5% | +11.3% | -2.5% | +89.3% | +4.9% | |
| ROA | 1.1% | 0.3% | 0.3% | 0.2% | 0.3% | 0.3% | 0.3% | 0.1% | -0.1% | 0.1% | 0.1% | 0.1% | 0.2% | 0.3% | 0.2% | 0.3% | 0.3% | 0.3% | 0.3% | 0.5% | 0.3% |
| — | -18.7% | -7.3% | +97.1% | +407.5% | +272.4% | +218.2% | +21.5% | -153.8% | -64.8% | -55.4% | -62.9% | -37.5% | -7.2% | -26.8% | -48.0% | -1.6% | -3.0% | -11.1% | +72.8% | -3.3% | |
| ROIC | 7.7% | 1.7% | 1.8% | 1.5% | 1.8% | 2.2% | 2.2% | 0.7% | -0.6% | 0.6% | 0.7% | 0.8% | 1.5% | 2.1% | 1.6% | 2.0% | 2.2% | 2.0% | 2.4% | 4.2% | 2.3% |
| — | -22.6% | -16.9% | +117.5% | +379.1% | +266.4% | +208.7% | -11.7% | -143.3% | -70.9% | -54.3% | -61.6% | -31.6% | +3.1% | -34.1% | -52.2% | -3.8% | +3.1% | +7.2% | +143.5% | +33.2% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.50 | 0.45 | 0.60 | 0.32 | 0.60 | 0.55 | 0.30 | 0.33 | 0.40 | 0.48 | 0.23 | 0.22 | 0.26 | 0.23 | 0.23 | 0.47 | 0.16 | 0.53 | 0.11 | 0.10 | 0.11 |
| — | -18.5% | +99.6% | -3.1% | +49.6% | +15.2% | +30.1% | +49.4% | +52.5% | +103.7% | +0.5% | -52.8% | +62.1% | -55.5% | +108.7% | +348.5% | +46.3% | +364.3% | -64.9% | -66.0% | -66.4% | |
| Debt / EBITDA | 3.12 | 13.02 | 14.85 | 9.64 | 14.24 | 11.69 | 6.87 | 18.95 | — | 35.50 | 16.19 | 14.76 | 9.48 | 6.42 | 7.66 | 12.29 | 3.69 | 13.98 | 2.84 | 1.65 | 3.11 |
| — | +11.4% | +116.2% | -49.1% | — | -67.1% | -57.6% | +28.4% | — | +453.1% | +111.3% | +20.0% | +157.0% | -54.1% | +169.4% | +644.7% | +18.7% | +318.7% | -62.5% | -81.7% | -67.7% | |
| Current Ratio | 8.76 | 1.09 | 0.43 | 2.32 | 0.09 | 0.09 | 0.08 | 0.08 | 0.15 | 0.15 | 0.14 | 0.14 | 0.13 | 0.14 | 0.14 | 0.17 | 0.17 | 0.19 | 0.20 | 0.19 | 0.18 |
| — | +1141.9% | +420.7% | +2816.7% | -37.8% | -40.1% | -41.5% | -43.3% | +12.6% | +3.5% | -1.4% | -16.6% | -21.3% | -24.9% | -27.1% | -11.4% | -5.9% | +23.7% | +34.7% | +35.4% | +35.3% | |
| Quick Ratio | 8.76 | 1.09 | 0.43 | 2.32 | 0.09 | 0.09 | 0.08 | 0.08 | 0.15 | 0.15 | 0.14 | 0.14 | 0.13 | 0.14 | 0.14 | 0.17 | 0.17 | 0.19 | 0.20 | 0.19 | 0.18 |
| — | +1141.9% | +420.7% | +2816.7% | -37.8% | -40.1% | -41.5% | -43.3% | +12.6% | +3.5% | -1.4% | -16.6% | -21.3% | -24.9% | -27.1% | -11.4% | -5.9% | +23.7% | +34.7% | +35.4% | +35.3% | |
| Interest Coverage | 0.77 | 0.83 | 0.85 | 0.62 | 0.79 | 0.89 | 0.80 | 0.21 | -0.17 | 0.19 | 0.20 | 0.21 | 0.46 | 0.77 | 0.80 | 1.50 | 2.82 | 5.10 | 5.91 | 9.99 | 4.99 |
| — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 48 years · Updated daily
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Quick answers to the most common questions about buying PFIS stock.
Peoples Financial Services Corp.'s current P/E is 11.7x. The average P/E over the last 4 quarters is 9.6x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Peoples Financial Services Corp.'s current operating margin is 38.6%. 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.