Peoples Financial Services Corp - Understand $pfis stock

$PFIS Market Cap: $483.9 Million

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Financial Snapshot

Revenue

$116.1M

TTM

Gross Margin

Net Earnings

$17.12M

TTM

Current Assets

Current Liabilities

$5.507M

Q2 2024

Current Ratio

Total Assets

$3.616B

Q2 2024

Total Liabilities

$3.275B

Q2 2024

Book Value

$340.8M

Q2 2024

Cash

$49.96M

Q2 2024

P/E

28.26

Oct 16, 2024 EST

Free Cash Flow

$18.60M

TTM

Revenues

Revenue YoY Change

Revenues

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999
Revenue	$149.9M	$111.3M	$94.06M	$94.13M	$93.38M	$84.66M				$63.96M	$37.37M	$37.59M	$39.71M
YoY Change	34.6%	18.37%	-0.07%	0.8%	10.3%					71.14%	-0.59%	-5.33%

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2023	2022	2021	2020	2019	2018	2014	2013	2012	2011
Revenue	$149.9M	$111.3M	$94.06M	$94.13M	$93.38M	$84.66M	$63.96M	$37.37M	$37.59M	$39.71M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization	$2.899M	$3.451M	$3.190M	$3.510M	$3.810M	$3.210M	$2.980M	$2.850M	$2.800M	$3.000M	$1.250M	$1.130M	$750.0K	$980.0K	$960.0K	$870.0K	$890.0K	$900.0K	$750.0K	$650.0K	$590.0K	$610.0K	$640.0K	$640.0K	$640.0K
YoY Change	-16.0%	8.18%	-9.12%	-7.87%	18.69%	7.72%	4.56%	1.79%	-6.67%	140.0%	10.62%	50.67%	-23.47%	2.08%	10.34%	-2.25%	-1.11%	20.0%	15.38%	10.17%	-3.28%	-4.69%	0.0%	0.0%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept	2023	2022	2021	2020	2019	2018	2014	2013	2012	2011
Interest Expense	$63.10M	$15.59M	$9.422M	$14.32M	$17.87M	$13.32M	$6.642M	$4.169M	$5.362M	$7.339M
YoY Change	304.86%	65.41%	-34.22%	-19.83%	34.12%		59.32%	-22.25%	-26.94%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999
Pretax Income	$32.50M	$45.37M	$53.52M	$34.18M	$28.89M	$28.31M	$26.60M	$24.60M	$22.20M	$23.11M	$6.206M	$13.65M	$13.57M	$14.90M	$10.00M	$3.100M	$6.000M	$4.900M	$5.500M	$5.500M	$7.400M	$6.600M	$6.300M	$5.000M	$4.900M
YoY Change	-28.36%	-15.23%	56.6%	18.29%	2.05%	6.43%	8.13%	10.81%	-3.93%	272.35%	-54.52%	0.6%	-8.96%	49.0%	222.58%	-48.33%	22.45%	-10.91%	0.0%	-25.68%	12.12%	4.76%	26.0%	2.04%
Income Tax	$5.121M	$7.276M	$9.998M	$4.821M	$3.155M	$3.391M	-$14.20M	$5.000M	$4.500M	$5.459M	$485.0K	$3.058M	$3.034M	$3.300M	$1.800M	$100.0K	$1.100M	$800.0K	$1.000M	$1.000M	$1.800M	$1.600M	$1.500M	$1.100M	$1.100M
% Of Pretax Income	15.76%	16.04%	18.68%	14.11%	10.92%	11.98%	-53.38%	20.33%	20.27%	23.62%	7.82%	22.41%	22.37%	22.15%	18.0%	3.23%	18.33%	16.33%	18.18%	18.18%	24.32%	24.24%	23.81%	22.0%	22.45%
Net Earnings	$27.38M	$38.09M	$43.52M	$29.35M	$25.74M	$24.92M	$18.50M	$19.60M	$17.70M	$17.65M	$5.721M	$10.59M	$10.53M	$11.60M	$8.200M	$3.000M	$4.900M	$4.100M	$4.500M	$4.500M	$5.600M	$5.000M	$4.800M	$3.900M	$3.800M
YoY Change	-28.12%	-12.48%	48.26%	14.06%	3.27%	34.7%	-5.61%	10.73%	0.29%	208.5%	-45.97%	0.55%	-9.22%	41.46%	173.33%	-38.78%	19.51%	-8.89%	0.0%	-19.64%	12.0%	4.17%	23.08%	2.63%
Net Earnings / Revenue	18.27%	34.21%	46.27%	31.19%	27.56%	29.44%				27.6%	15.31%	28.17%	26.52%
Basic Earnings Per Share	$3.85	$5.31	$6.05	$4.02	$3.48	$3.37				$2.34	$1.21	$2.37	$2.36
Diluted Earnings Per Share	$3.83	$5.282M	$6.02	$4.00	$3.47	$3.37	$2.500M	$2.649M	$2.360M	$2.34	$1.21	$2.37	$2.36	$2.578M	$2.000M	$967.7K	$1.581M	$1.281M	$1.406M	$1.406M	$1.750M	$1.563M	$1.500M	$1.219M	$1.152M

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment	$61.28M	$55.67M	$51.50M	$47.00M	$47.90M	$38.90M	$37.60M	$33.30M	$28.20M	$25.40M	$26.10M	$15.10M	$7.900M			$7.500M	$5.900M	$6.200M	$5.800M	$4.900M	$4.400M	$3.800M	$3.400M	$3.400M	$3.500M
YoY Change	10.08%	8.09%	9.57%	-1.88%	23.14%	3.46%	12.91%	18.09%	11.02%	-2.68%	72.85%	91.14%				27.12%	-4.84%	6.9%	18.37%	11.36%	15.79%	11.76%	0.0%	-2.86%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets	$13.77M	$18.74M	$5.400M	$3.800M	$3.400M	$8.400M							$0.00
YoY Change	-26.52%	247.02%	42.11%	11.76%	-59.52%
Total Long-Term Assets
YoY Change
Total Assets	$3.742B	$3.554B	$3.370B	$2.884B	$2.475B	$2.289B	$2.169B	$1.999B	$1.819B	$1.742B	$1.688B	$918.0M	$621.4M	$916.8M	$884.0M	$472.4M	$434.4M	$416.3M	$391.2M	$379.4M	$371.3M	$346.8M	$315.3M	$287.6M	$261.3M
YoY Change
Accounts Payable	$5.765M	$903.0K	$400.0K	$700.0K	$1.300M	$1.200M	$500.0K	$500.0K	$600.0K	$600.0K	$700.0K	$700.0K	$300.0K			$1.600M	$900.0K	$700.0K	$600.0K	$600.0K	$600.0K	$700.0K	$700.0K	$900.0K	$700.0K
YoY Change	538.43%	125.75%	-42.86%	-46.15%	8.33%	140.0%	0.0%	-16.67%	0.0%	-14.29%	0.0%	133.33%				77.78%	28.57%	16.67%	0.0%	0.0%	-14.29%	0.0%	-22.22%	28.57%
Accrued Expenses	$10.96M	$8.300M	$8.800M	$6.400M	$6.200M
YoY Change	32.05%	-5.68%	37.5%	3.23%
Deferred Revenue
YoY Change
Short-Term Debt										$700.0K	$22.10M	$8.000M	$38.30M	$28.10M	$45.60M	$18.40M	$10.90M	$12.60M	$10.60M	$14.60M	$7.100M	$13.10M	$21.30M	$7.200M	$5.900M
YoY Change										-96.83%	176.25%	-79.11%	36.3%	-38.38%	147.83%	68.81%	-13.49%	18.87%	-27.4%	105.63%	-45.8%	-38.5%	195.83%	22.03%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities	$5.765M	$903.0K	$9.200M	$7.100M	$7.500M	$1.200M	$500.0K	$500.0K	$600.0K	$600.0K	$700.0K	$700.0K	$300.0K	$28.10M	$45.60M	$1.600M	$900.0K	$700.0K	$600.0K	$600.0K	$600.0K	$700.0K	$700.0K	$900.0K	$700.0K
YoY Change	538.43%	-90.18%	29.58%	-5.33%	525.0%	140.0%	0.0%	-16.67%	0.0%	-14.29%	0.0%	133.33%	-98.93%	-38.38%	2750.0%	77.78%	28.57%	16.67%	0.0%	0.0%	-14.29%	0.0%	-22.22%	28.57%
Long-Term Debt	$33.00M	$33.00M	$33.00M	$33.00M	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
YoY Change	0.0%	0.0%	0.0%
Other Long-Term Liabilities	$41.48M	$42.18M	$21.10M	$24.90M	$12.50M	$9.800M	$11.10M	$12.80M	$15.20M	$16.10M	$10.40M	$9.500M	$4.500M	$8.400M	$8.900M	$1.600M	$1.900M	$1.600M	$1.400M	$1.000M	$900.0K	$800.0K	$700.0K	$400.0K	$500.0K
YoY Change	-1.67%	99.9%	-15.26%	99.2%	27.55%	-11.71%	-13.28%	-15.79%	-5.59%	54.81%	9.47%	111.11%	-46.43%	-5.62%	456.25%	-15.79%	18.75%	14.29%	40.0%	11.11%	12.5%	14.29%	75.0%	-20.0%
Total Long-Term Liabilities	$74.48M	$75.18M	$54.10M	$57.90M	$12.50M	$9.800M	$11.10M	$12.80M	$15.20M	$16.10M	$10.40M	$9.500M	$4.500M	$8.400M	$8.900M	$1.600M	$1.900M	$1.600M	$1.400M	$1.000M	$900.0K	$800.0K	$700.0K	$400.0K	$500.0K
YoY Change	-0.94%	38.96%	-6.56%	363.2%	27.55%	-11.71%	-13.28%	-15.79%	-5.59%	54.81%	9.47%	111.11%	-46.43%	-5.62%	456.25%	-15.79%	18.75%	14.29%	40.0%	11.11%	12.5%	14.29%	75.0%	-20.0%
Total Liabilities	$3.402B	$3.238B	$3.029B	$2.567B	$2.176B	$2.010B	$1.904B	$1.743B	$1.570B	$1.495B	$1.449B	$785.6M	$561.8M	$796.4M	$768.0M	$432.7M	$391.6M	$375.0M	$351.6M	$337.0M	$330.2M	$308.5M	$281.6M	$256.8M	$234.5M
YoY Change	5.06%	6.89%	18.02%	17.95%	8.25%	5.58%	9.26%	10.99%	5.04%	3.14%	84.5%	39.84%	-29.46%	3.7%	77.49%	10.5%	4.43%	6.66%	4.33%	2.06%	7.03%	9.55%	9.66%	9.51%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2023	2022	2021	2020	2019	2018	2014	2013	2012	2011
Basic Shares Outstanding
Diluted Shares Outstanding	7.151M	7.212M	7.235M	7.338M	7.412M	7.403M	7.562M shares	4.733M shares	4.468M shares	4.467M shares
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Stock Price

Market Cap: $483.93 Million

About Peoples Financial Services Corp

Peoples Financial Services Corp. is a bank holding company, which engages in the provision of financial services through its wholly-owned subsidiary, Peoples Security Bank and Trust Company. The company is headquartered in Scranton, Pennsylvania and currently employs 375 full-time employees. The company went IPO on 2002-06-05. The Peoples Bank is an independent community bank serving its retail and commercial customers through 44 full-service community banking offices located within the Allegheny, Bucks, Lackawanna, Lebanon, Lehigh, Luzerne, Monroe, Montgomery, Northampton, Susquehanna, Wayne, and Wyoming Counties in Pennsylvania, Middlesex County in New Jersey and Broome County in New York. The company offers a range of financial products and services to individuals, businesses, not-for-profit organizations and government entities. Its primary lending products are real estate, commercial and consumer loans. Its primary deposit products are savings and demand deposit accounts and certificates of deposit. The company also offers automated teller machine access, credit cards, active investment accounts, trust department services and other various lending, depository, and related financial services.

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