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Peoples Fin

Peoples Fin

PFIS · NASDAQ · Financial Services / Banks - Regional

72.69USD-0.16 (-0.22%)

Price History

Full chart

Market Stats

Previous Close72.85
Open72.92
Day Range72.18 – 72.93
52-Week Range41.79 – 73.34
Volume33.10K
Market Cap698.72M
P/E (TTM)12.35
Forward P/E15.08
EPS5.65
Dividend Yield3.57%
Beta0.72
50-Day Avg70.38
200-Day Avg59.71

About

Peoples Financial Services Corp. operates as the bank holding company for Peoples Security Bank and Trust Company that provides commercial and retail banking services in Pennsylvania, New Jersey and New York. The company accepts deposits through money market, negotiable order of withdrawal, savings, individual retirement, demand deposit, and certificates of deposit accounts. It also provides residential real estate, automobile, manufactured housing, personal, and home equity loans; and commercial real estate and working capital, as well as loans for equipment and other commercial needs. In addition, the company offers fiduciary and investment services, including investment management, IRA trustee, estate administration, living and life insurance trust, trustee under will, guardianship, custodial/IRA custodial, and corporate trust services, as well as pension and profit-sharing plans. Further, it provides wealth management products and services comprising investment portfolio management, estate and business succession planning, annuities, insurance, retirement plan, and tax planning, as well as education funding strategies; and securities, brokerage, and investor services. Additionally, the company offers remote deposit capture, automatic clearing house transaction, cash management, automated teller machine, point of sale transaction, safe deposit box, night depository, direct deposit, and official check services. It serves business, non-profit, governmental, municipal agency, and professional customers, as well as retail customers. The company was founded in 1905 and is headquartered in Moosic, Pennsylvania.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Gerard A. Champi
  • Employees547
  • Headquarters30 E D Preate Drive, Moosic, PA, United States, 18507, USA
  • Websitehttps://www.psbt.com

Leadership

  • Mr. Gerard A. ChampiPresident & CEO · b. 1961
  • Mr. James M. Bone Jr., CPAExecutive VP & CFO · b. 1962
  • Mr. John R. Anderson IIIExecutive VP & COO · b. 1967
  • Mr. Timothy H. KirtleyExecutive VP, Chief Risk Officer & Corporate Secretary · b. 1970
  • Mr. Jeffrey A. DrobinsExecutive VP & Chief Lending Officer · b. 1985
  • Mr. James P. Chiaro CMFCExecutive VP & Chief Investment Services Officer · b. 1976
  • Ms. Stephanie A. Westington CPAExecutive VP & Chief Accounting Officer · b. 1965
  • Ms. Susan L. HubbleExecutive VP & Chief Information Officer · b. 1956
  • Ms. Marie L. LucianiInvestor Relations Officer & Assistant Secretary · b. 1961
  • Ms. Mary Griffin Cummings Esq.Executive VP & General Counsel · b. 1963

Financials

Income Statement

Currency: USD1997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue9.18M9.58M10.03M12.16M22.61M21.87M22.49M21.49M23.49M25.49M27.92M28.93M27.56M30.03M49.16M46.29M46.64M76.97M76.12M81.88M89.15M98.32M108.50M110.77M107.75M123.66M164.00M229.80M280.95M
Growth (%)-+4.31%+4.70%+21.27%+85.90%-3.28%+2.86%-4.45%+9.30%+8.51%+9.54%+3.61%-4.72%+8.96%+63.70%-5.84%+0.76%+65.03%-1.11%+7.57%+8.88%+10.29%+10.35%+2.09%-2.72%+14.76%+32.63%+40.12%+22.26%
Cost of Revenue8.04M8.38M8.72M10.71M10.04M8.51M7.86M8.13M8.64M11.10M11.38M9.87M8.99M8.70M9.72M6.29M6.53M10.17M9.74M12.25M13.50M17.52M23.97M21.72M11.17M15.14M63.66M114.60M93.83M
Gross Profit1.14M1.20M1.31M1.45M12.59M13.36M14.63M13.36M14.85M14.39M16.53M19.06M18.57M21.33M39.44M40.00M40.11M66.81M66.38M69.63M75.65M80.80M84.53M89.04M96.58M108.52M100.34M115.19M187.12M
Gross Margin12.39%12.49%13.03%11.94%55.67%61.08%65.04%62.15%63.22%56.45%59.22%65.89%67.37%71.03%80.23%86.42%86.00%86.79%87.21%85.04%84.86%82.18%77.91%80.39%89.63%87.76%61.18%50.13%66.60%
Operating Expense-2.69M-3.11M-3.59M-3.55M6.24M6.79M7.23M7.89M9.39M9.49M10.57M15.93M12.60M13.41M25.88M26.36M33.91M43.70M44.14M45.04M49.02M52.49M55.64M54.87M43.06M63.16M67.84M106.73M114.89M
Operating Income3.82M4.31M4.90M5.00M6.34M6.57M7.39M5.47M5.46M4.90M5.97M3.13M5.97M7.92M13.56M13.65M6.21M23.11M22.24M24.59M26.64M28.31M28.89M34.17M53.52M45.37M32.50M8.47M72.23M
Operating Margin41.66%44.99%48.88%41.13%28.06%30.04%32.88%25.44%23.25%19.23%21.38%10.81%21.67%26.38%27.59%29.48%13.31%30.02%29.22%30.03%29.88%28.79%26.63%30.85%49.67%36.69%19.82%3.69%25.71%
EBITDA4.46M5.02M5.54M5.64M7.08M7.52M8.74M6.69M6.79M6.22M7.49M4.00M6.93M8.90M14.31M14.77M7.46M26.11M25.03M27.44M29.62M31.52M33.10M38.42M57.16M49.40M36.00M15.70M82.86M
EBITDA Margin48.62%52.40%55.29%46.40%31.32%34.39%38.86%31.11%28.92%24.40%26.84%13.82%25.13%29.63%29.11%31.91%15.99%33.93%32.89%33.51%33.23%32.06%30.51%34.69%53.05%39.95%21.95%6.83%29.49%
Net Income3.01M3.41M3.79M3.90M4.84M5.01M5.56M4.45M4.48M4.13M4.87M3.04M5.05M6.49M10.53M10.59M5.72M17.65M17.72M19.58M18.46M24.92M25.74M29.35M43.52M38.09M27.38M8.50M59.19M
Net Income Margin32.80%35.56%37.76%32.11%21.39%22.94%24.74%20.72%19.06%16.20%17.45%10.51%18.32%21.59%21.42%22.88%12.27%22.93%23.28%23.92%20.70%25.35%23.72%26.50%40.39%30.80%16.69%3.70%21.07%
R&D--------------0-000000-------
R&D as % of Total Revenue--------------0.00%-0.00%0.00%0.00%0.00%0.00%0.00%-------
Interest Expense7.91M8.19M8.48M10.47M10.02M8.33M7.57M7.08M8.25M10.80M11.11M9.15M7.26M6.50M7.34M5.36M4.17M6.64M6.04M7.25M8.70M13.32M17.87M14.32M9.42M15.59M63.10M95.47M93.73M
Interest Expense % of Total Revenue86.19%85.53%84.58%86.09%44.33%38.10%33.68%32.96%35.11%42.36%39.78%31.65%26.33%21.64%14.93%11.58%8.94%8.63%7.93%8.86%9.76%13.55%16.47%12.93%8.74%12.60%38.47%41.55%33.36%

Balance Sheet

Currency: USD1997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets228.72M247.20M261.32M287.63M315.35M346.84M371.29M379.38M391.20M416.27M434.43M472.38M516.48M558.59M621.40M918.04M1.69B1.74B1.82B2.00B2.17B2.29B2.48B2.88B3.37B3.55B3.74B5.09B5.27B
Total Liabilities204.08M220.16M234.51M256.77M281.59M308.52M330.21M337.02M351.58M375.03M391.63M432.66M471.51M508.07M561.79M785.60M1.45B1.49B1.57B1.74B1.91B2.01B2.18B2.57B3.03B3.24B3.40B4.62B4.75B
Total Equity24.64M27.05M26.81M30.85M33.75M38.32M41.08M42.35M39.62M41.24M42.80M39.72M44.97M50.52M59.61M132.45M238.53M246.78M248.77M256.62M264.98M279.08M299.01M316.88M340.13M315.35M340.42M468.95M519.85M
Cash5.55M4.81M7.47M7.60M7.28M6.34M6.06M6.00M6.70M10.15M8.61M7.96M8.15M6.84M10.56M47.84M41.85M31.43M32.92M39.94M37.49M32.62M31.15M45.19M37.51M37.87M42.66M55.62M58.42M
Total Debt9.27M9.03M17.85M24.75M41.34M47.86M49.04M60.65M52.61M49.10M61.38M58.12M59.19M66.06M62.72M53.42M80.85M52.70M98.68M140.83M173.41M124.41M184.88M97.77M35.95M148.49M75.59M155.58M258.40M
Net Debt3.73M4.22M10.38M17.15M34.06M41.52M42.98M54.64M45.92M38.95M52.78M50.17M51.03M59.22M52.16M5.57M39.00M21.27M65.76M100.89M135.92M91.79M153.73M52.58M-1.80M110.62M32.92M99.95M199.98M

Cash Flow

Currency: USD1997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow3.48M4.36M4.33M4.44M3.76M6.38M7.54M7.37M5.88M5.70M7.09M8.21M4.15M11.21M13.94M11.55M13.06M24.20M29.18M28.05M28.59M32.63M37.08M37.18M40.77M42.36M33.25M33.92M54.27M
Investing Cash Flow-39.43M-19.95M-14.65M-24.70M-26.22M-32.12M-27.81M-11.31M-13.70M-20.08M-24.65M-36.17M-41.31M-45.49M11.20M20.72M-18.16M-74.44M-89.42M-186.36M-184.56M-134.81M-184.72M-201.24M-440.10M-467.82M-25.75M387.15M-24.44M
Financing Cash Flow38.43M14.85M12.99M20.39M22.14M24.81M19.98M3.89M8.52M20.06M13.79M37.89M37.54M33.20M-4.87M-18.90M8.57M30.35M61.73M165.33M153.52M97.31M146.18M361.10M451.07M183.40M142.00M-472.58M103.30M
Capital Expenditure5.09M222.36K316.33K339.00K346.00K806.00K962.00K860.00K1.42M956.00K325.00K2.28M658.00K1.45M739.00K2.90M614.00K1.07M4.42M6.76M6.25M4.07M5.60M2.29M4.88M7.83M5.92M2.58M10.93M
Free Cash Flow-1.61M4.13M4.01M4.10M3.41M5.57M6.58M6.51M4.45M4.75M6.77M5.93M3.49M9.76M13.20M8.65M12.44M23.13M24.76M21.29M22.35M28.56M31.48M34.89M35.89M34.53M27.33M31.35M43.34M
Dividends Paid735.29K995.41K1.13M1.34M1.53M1.85M2.06M2.31M5.54M2.39M2.38M2.42M2.38M2.48M5.50M5.50M5.51M9.36M9.32M9.17M9.32M9.69M10.13M10.52M10.79M11.32M11.66M18.09M24.64M
FCF to OCF-46.16%94.90%92.69%92.37%90.79%87.36%87.25%88.33%75.77%83.23%95.42%72.20%84.15%87.08%94.70%74.91%95.30%95.57%84.85%75.89%78.15%87.53%84.89%93.84%88.02%81.51%82.18%92.41%79.85%
Dividend Paid to FCF-45.74%24.08%28.16%32.73%44.84%33.21%31.26%35.50%124.46%50.40%35.21%40.78%68.15%25.41%41.70%63.64%44.29%40.47%37.64%43.07%41.70%33.94%32.19%30.15%30.07%32.80%42.66%57.72%56.86%

Earnings

Report DateJun 30, 2002Sep 30, 2002Mar 31, 2003Jun 30, 2003Sep 30, 2003Dec 31, 2003Mar 31, 2004Jun 30, 2004Sep 30, 2004Dec 31, 2004Mar 31, 2005Jun 30, 2005Sep 30, 2005Dec 31, 2005Mar 31, 2006Jun 30, 2006Sep 30, 2006Dec 31, 2006Mar 31, 2007Jun 30, 2007Sep 30, 2007Dec 31, 2007Mar 31, 2008Jun 30, 2008Sep 30, 2008Dec 31, 2008Mar 31, 2009Jun 30, 2009Sep 30, 2009Dec 31, 2009Mar 31, 2010Jun 30, 2010Dec 31, 2010Mar 31, 2011Jun 30, 2011Sep 30, 2011Dec 31, 2011Mar 31, 2012Jun 30, 2012Sep 30, 2012Dec 31, 2012Feb 15, 2013May 15, 2013Aug 15, 2013Oct 16, 2013Feb 12, 2014Apr 25, 2014Jul 28, 2014Nov 7, 2014Feb 3, 2015Apr 21, 2015Jul 21, 2015Oct 22, 2015Jan 2, 2016Apr 20, 2016Jul 22, 2016Dec 31, 2016Mar 31, 2017Apr 24, 2017Jul 24, 2017Oct 24, 2017Feb 2, 2018Apr 25, 2018Jul 24, 2018Oct 23, 2018Jan 29, 2019Apr 23, 2019Jul 23, 2019Oct 22, 2019Jan 24, 2020Apr 24, 2020Jul 31, 2020Nov 3, 2020Feb 1, 2021Apr 23, 2021Jul 21, 2021Oct 22, 2021Jan 31, 2022Apr 26, 2022Jul 21, 2022Oct 20, 2022Jan 26, 2023Apr 27, 2023Jul 25, 2023Oct 30, 2023Jan 25, 2024Apr 25, 2024Jul 25, 2024Nov 5, 2024Feb 6, 2025May 1, 2025Jul 31, 2025Oct 30, 2025Jan 30, 2026Apr 30, 2026Jul 30, 2026Oct 29, 2026
EPS Estimate-----------------------------------------------------------------------------0.861.001.301.471.391.021.060.930.890.650.521.081.511.331.471.541.521.541.641.72
EPS Actual0.230.480.410.400.500.440.410.280.440.270.400.380.230.410.330.310.310.350.360.410.280.500.450.54-0.500.470.490.400.250.470.480.480.820.850.780.850.750.830.790.780.820.560.640.56-0.390.620.440.690.580.670.590.580.520.660.660.690.640.650.650.770.723.390.790.810.910.870.870.970.970.930.721.031.141.131.311.181.260.861.331.301.381.491.051.311.050.610.550.591.640.991.511.691.511.361.431.48-
Surprise-----------------------------------------------------------------------------0.00%33.00%0.00%-6.12%7.19%2.94%23.58%12.90%-31.46%-15.38%13.46%51.85%-34.44%13.53%14.97%-1.95%-10.53%-7.14%-9.76%-
Timing-----------------------------------------After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours--After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours--After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursPre-marketAfter-hoursAfter-hoursPre-marketPre-marketAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours

Key Statistics & Ratios

Market Cap698.72M
Enterprise Value773.60M
Trailing P/E12.35
Forward P/E15.08
PEG Ratio1.31
Price / Sales3.66
Price / Book1.32
EPS5.65
Book Value53.56
Revenue (TTM)190.72M
Gross Profit (TTM)190.72M
Profit Margin29.77%
Operating Margin42.11%
Return on Equity11.02%
Return on Assets1.08%
Shares Outstanding10.01M
Shares Float9.17M
Beta0.72
Dividend Yield3.57%
Dividend Rate2.49
Payout Ratio43.13%

Analyst Ratings

Buy
Based on 2 analystsTarget 73.50
  • Strong Buy
    1
  • Hold
    1

Ownership Breakdown

Institutions
36.50%
Insiders
8.13%
Retail / Other
55.37%

Top Institutional Holders

  • BlackRock Inc
    634.70K6.34%
  • Vanguard Capital Management, LLC
    392.03K3.92%
  • Dimensional Fund Advisors, Inc.
    339.26K3.39%
  • Geode Capital Management, LLC
    235.37K2.35%
  • American Century Companies Inc
    202.75K2.03%
  • State Street Corp
    200.44K2.00%
  • Peoples Financial Services Corp
    90.40K0.90%
  • Bridgeway Capital Management, LLC
    78.71K0.79%
  • Northern Trust Corp
    74.17K0.74%
  • Vanguard Fiduciary Trust Co
    61.18K0.61%
  • Empowered Funds, LLC
    55.81K0.56%
  • Vanguard Portfolio Management, LLC
    53.70K0.54%

Top Fund Holders

  • Vanguard MStar Total Stk Mkt Idx Invest
    286.54K2.86%
  • iShares Russell 2000 ETF
    257.10K2.57%
  • Avantis US Small Cap Value ETF
    206.49K2.06%
  • Fidelity Small Cap Index
    103.81K1.04%
  • iShares Russell 2000 Value ETF
    84.09K0.84%
  • DFA US Small Cap Value I
    66.08K0.66%
  • EA Bridgeway Omni Small-Cap Value ETF
    56.41K0.56%
  • Vanguard Russell 2000 ETF
    54.21K0.54%

Dividends

20263×
0.63Aug 31, 20260.63May 29, 20260.63Feb 27, 2026
20254×
0.62Nov 28, 20250.62Aug 29, 20250.62May 30, 20250.62Feb 28, 2025
20244×
0.62Nov 29, 20240.62Aug 30, 20240.41May 31, 20240.41Feb 28, 2024
20234×
0.41Nov 29, 20230.41Aug 30, 20230.41May 30, 20230.41Feb 27, 2023
20224×
0.40Nov 29, 20220.40Aug 30, 20220.39May 27, 20220.39Feb 25, 2022
20214×
0.38Nov 29, 20210.38Aug 30, 20210.37May 27, 20210.37Feb 25, 2021
20201×
0.36Nov 27, 2020

Stock Splits

  • May 16, 20033:2