Peoples Financial Services Corp.
PFIS Nasdaq· National Commercial Banks
Last close · Oct 23, 2026
$70.68
KIRA · Stoqly’s AI analyst, in plain words
- Peoples Financial Services Corp. had $188M of revenue in fiscal 2025, up 39.7% on the year before. Over five years, revenue changed +14.2% a year on average.
- Peoples Financial Services Corp. made $59.2M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 9.3% a year.
- Peoples Financial Services Corp. returned $24.6M to shareholders in fiscal 2025, 57% of free cash flow. The diluted share count rose 17.3%.
- It earned 12.0% on shareholders’ money. Running costs took 61.5% of revenue (the efficiency ratio; lower is better).
Market cap
$709M
P/E
12.5x
Revenue
$188M
Net income
$59.2M
Return on equity
12.0%
Efficiency ratio
61.5%
Peoples Financial Services Corp. in 30 seconds · fiscal 2025
Are sales growing?
+39.7%
Yes. Sales grew 39.7% last year.
Does it make a profit?
31.5%
Yes. It keeps 31.5% of every sale as profit.
How lean are its costs?
61.5%
Average. Running costs take 61.5% of revenue.
How much does it earn on its capital?
12.0%
Fair. It earns 12.0% a year on shareholders’ money.
How is the share priced?
12.5x
One share costs 12.5 times its yearly profit per share.
What Peoples Financial Services Corp. does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 16, 2026
- Legal name
- PEOPLES FINANCIAL SERVICES CORP.
- CIK
- 0001056943
Peoples Financial Services Corp. · PFIS
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $110M | $108M | $101M | $134M | $188M |
| Revenue growth | 14.3% | −2.4% | −6.2% | 33.1% | 39.7% |
| Net interest income | $84.6M | $95.7M | $86.8M | $116M | $166M |
| Net income | $43.5M | $38.1M | $27.4M | $8.5M | $59.2M |
| Net margin | 39.5% | 35.4% | 27.1% | 6.3% | 31.5% |
| Diluted EPS | $6.02 | $5.28 | $3.83 | $0.99 | $5.88 |
| Cash | |||||
| Cash from operations | $40.8M | $42.4M | $33.3M | $34.7M | $54.3M |
| Capital expenditure | $4.9M | $7.8M | $5.9M | $2.6M | $10.9M |
| Free cash flow | $35.9M | $34.5M | $27.3M | $32.2M | $43.3M |
| FCF margin | 32.5% | 32.1% | 27.1% | 23.9% | 23.1% |
| Dividends paid | $10.8M | $11.3M | $11.7M | $18.1M | $24.6M |
| Share count change | −1.4% | −0.3% | −0.8% | 20.1% | 17.3% |
| Debt and strength | |||||
| Cash and short-term investments | $280M | $37.9M | $187M | $136M | $269M |
| Debt incl. finance leases | $0.0M | $115M | $17.6M | $15.9M | $32.7M |
| Loans, net | $2.3B | $2.7B | $2.8B | $4.0B | $4.0B |
| Deposits | $3.0B | $3.0B | $3.3B | $4.4B | $4.4B |
| Shareholders' equity | $340M | $315M | $340M | $469M | $520M |
| Returns and quality | |||||
| Return on equity | 13.2% | 11.6% | 8.4% | 2.1% | 12.0% |
| Return on tangible equity | 15.8% | 15.1% | 9.9% | 2.4% | 14.2% |
| Efficiency ratio | 49.9% | 58.3% | 67.2% | 79.5% | 61.5% |
| Piotroski F-score | 5 | 4 | 5 | 4 | 4 |
Insiders bought, 12 months
$0.0M
0 insiders
Insiders sold, 12 months
$0.0M
0 insiders
Of sales under plans
—
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Peoples Financial Services Corp. · PFIS
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $70.68 a share, the company is worth $709M: 12.5 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0001056943). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.