PFISNasdaqNational Commercial BanksFiscal year ends December 31
PEOPLES FINANCIAL SERVICES CORP.
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 7, 2026
$67.66−0.64 (-0.94%)
Close on Oct 19, 2026
- Market cap
- $679.04M
- P/E (TTM)
- 12.0
- Dividend yield
- 3.65%
Margins
Share of revenue, fiscal years 2011 to 2025
Net margin
31.5%+1.1 pts over 5 years
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +39.7% | +20.4% | +14.2% | +9.9% | |
| Net income | +596.5% | +15.8% | +15.1% | +12.8% | |
| EPS, diluted | +493.9% | +3.7% | +8.0% | +9.6% | |
| Free cash flow | +34.8% | +7.9% | +4.4% | +5.8% | |
| Dividend per share | +19.9% | +16.1% | +11.4% | +7.1% |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2016 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | 7.7% | 9.5% | 12.0% | |
| Return on assets | 1.0% | 1.1% | 1.1% | |
| Capex to revenue | 8.7% | 2.4% | 5.8% | |
| Diluted shares | 7M | 7M | 10M |
Where the cash went
Fiscal 2021 to 2025, five years combined
Peoples Financial Services generated $205.38M from operations and spent $108.66M on capital expenditure, dividends and share buybacks. 30% of that went back into the business.
Generated
$205.38M
Used
$108.66M
Capital expenditure$32.15M30%Dividends$76.51M70%Share buybacks$00%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin31.5%
×Asset turnover0.04×
×Equity multiplier10.48×
=Return on equity, FY202512.0%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 31.5% | 0.04× | 10.48× | 12.0% |
| FY2024 | 6.3% | 0.03× | 10.91× | 2.1% |
| FY2023 | 27.1% | 0.03× | 11.13× | 8.4% |
| FY2022 | 35.4% | 0.03× | 10.56× | 11.6% |
| FY2021 | 39.5% | 0.04× | 9.52× | 13.2% |
| FY2020 | 30.4% | 0.04× | 8.70× | 9.5% |
| FY2019 | 28.4% | 0.04× | 8.25× | 8.9% |
| FY2018 | 29.3% | 0.04× | 8.20× | 9.2% |
| FY2017 | 22.3% | 0.04× | 7.99× | 7.1% |
| FY2016 | 25.2% | 0.04× | 7.56× | 7.7% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
4of 6 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero$59.19M
- Cash generatingOperating cash flow above zero$54.28M
- Return on assets improvedROA up on the prior year0.2% → 1.2%
- Earnings backed by cashOperating cash flow above net income$54.28M vs $59.19M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise9M → 10M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.04 → 0.04