Peoples Financial Services
Market Cap
US$323.3m
Last Updated
2019/08/17 23:44 UTC
Data Sources
Company Financials
Executive Summary
Peoples Financial Services Corp. operates as the bank holding company for Peoples Security Bank and Trust Company that provides financial services.
Snowflake
Fundamentals
Flawless balance sheet with proven track record.
Risks
- Peoples Financial Services is not covered by any analysts.
Similar Companies
Share Price & News
How has Peoples Financial Services's share price performed over time and what events caused price changes?
Latest Share Price and Events
Market Performance
7 Day Return
-1.4%
NasdaqGS:PFIS
-2.6%
US Banks
-1.0%
US Market
1 Year Return
-2.9%
NasdaqGS:PFIS
-14.2%
US Banks
-0.4%
US Market
PFIS outperformed the Banks industry which returned -14.2% over the past year.
PFIS underperformed the Market in United States of America which returned -0.4% over the past year.
Share holder returns
| PFIS | Industry | Market | |
|---|---|---|---|
| 7 Day | -1.4% | -2.6% | -1.0% |
| 30 Day | -2.9% | -6.3% | -3.3% |
| 90 Day | 0.5% | -3.5% | 0.8% |
| 1 Year | 0.09%-2.9% | -11.8%-14.2% | 1.9%-0.4% |
| 3 Year | 22.4%12.0% | 42.2%32.4% | 39.4%30.4% |
| 5 Year | 2.7%-11.7% | 53.3%36.7% | 54.2%37.1% |
Price Volatility Vs. Market
How volatile is Peoples Financial Services's share price compared to the market and industry in the last 5 years?
Simply Wall St News
1 week ago | Simply Wall St
If You Like EPS Growth Then Check Out Peoples Financial Services (NASDAQ:PFIS) Before It's Too Late3 weeks ago | Simply Wall St
What Kind Of Shareholders Own Peoples Financial Services Corp. (NASDAQ:PFIS)?1 month ago | Simply Wall St
Should You Be Tempted To Sell Peoples Financial Services Corp. (NASDAQ:PFIS) Because Of Its P/E Ratio?Valuation
Is Peoples Financial Services undervalued based on future cash flows and its price relative to the stock market?
12.13x
Price to Earnings (PE) ratio
Intrinsic Value Based on Future Cash Flows
Peoples Financial Services's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).
Peoples Financial Services's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).
Price Based on Earnings
Peoples Financial Services is good value based on earnings compared to the US Banks industry average.
Peoples Financial Services is good value based on earnings compared to the United States of America market.
Price Based on Expected Growth
Unable to calculate PEG ratio for Peoples Financial Services, we can't assess if its growth is good value.
Price Based on Value of Assets
Peoples Financial Services is good value based on assets compared to the US Banks industry average.
Next Steps
Future Growth
How is Peoples Financial Services expected to perform in the next 1 to 3 years based on estimates from 0 analysts?
5.7%
Forecasted annual earnings growth
Earnings and Revenue Growth Estimates
Future Annual Growth Analysis
Unable to determine if Peoples Financial Services is high growth as no revenue estimate data is available.
Peoples Financial Services's earnings are expected to grow by 5.7% yearly, however this is not considered high growth (20% yearly).
Unable to compare Peoples Financial Services's revenue growth to the United States of America market average as no estimate data is available.
Peoples Financial Services's earnings growth is positive but not above the United States of America market average.
Peoples Financial Services's earnings growth is expected to exceed the low risk savings rate of 2.7%.
Earnings per Share Growth Estimates
Future Return on Equity
Unable to establish if Peoples Financial Services will efficiently use shareholders’ funds in the future without estimates of Return on Equity.
Next Steps
Past Performance
How has Peoples Financial Services performed over the past 5 years?
11.4%
Historical annual earnings growth
Earnings and Revenue History
Past Earnings Growth Analysis
Peoples Financial Services's year on year earnings growth rate has been positive over the past 5 years.
Peoples Financial Services's 1-year earnings growth exceeds its 5-year average (34.6% vs 11.4%)
Peoples Financial Services's earnings growth has exceeded the US Banks industry average in the past year (34.6% vs 33.2%).
Return on Equity
Peoples Financial Services has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
Return on Assets
Peoples Financial Services used its assets more efficiently than the US Banks industry average last year based on Return on Assets.
Return on Capital Employed
Unable to establish if Peoples Financial Services improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.
Next Steps
Financial Health
How is Peoples Financial Services's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Peoples Financial Services has an acceptable proportion of non-loan assets held.
Peoples Financial Services has a sufficient allowance for bad loans.
Peoples Financial Services's liabilities are made up of primarily low risk sources of funding.
Peoples Financial Services's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).
Loans at Peoples Financial Services are broadly funded by customer deposits.
Peoples Financial Services has an acceptable level of bad loans (less than 2%).
Next Steps
Dividend
What is Peoples Financial Services's current dividend yield, its reliability and sustainability?
3.11%
Current Dividend Yield
Upcoming Dividend Payment
Purchase Peoples Financial Services before the 'Buy Limit' to receive their next dividend payment.
Dividend Yield and Payments Analysis
Peoples Financial Services's pays a higher dividend yield than the bottom 25% of dividend payers in United States of America (1.49%).
Peoples Financial Services's dividend is below the markets top 25% of dividend payers in United States of America (3.84%).
Whilst dividend payments have been stable, Peoples Financial Services has been paying a dividend for less than 10 years.
Dividend payments have increased, but Peoples Financial Services only paid a dividend in the past 6 years.
Current Payout to Shareholders
Dividends paid are well covered by earnings (2.7x coverage).
Future Payout to Shareholders
Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.
Next Steps
Management
What is the CEO of Peoples Financial Services's salary, the management and board of directors tenure and is there insider trading?
5.6yrs
Average management tenure
CEO
Craig Best (58yo)
5.8yrs
Tenure
US$918,397
Compensation
Mr. Craig W. Best has been the Chief Executive Officer and President of Penseco Financial Services Corporation and Peoples Security Bank & Trust Company since January 3, 2006. The Company has concluded tha ...
CEO Compensation Analysis
Craig's remuneration is lower than average for companies of similar size in United States of America.
Craig's compensation has been consistent with company performance over the past year, both up more than 20%.
Management Age and Tenure
5.6yrs
Average Tenure
58yo
Average Age
The average tenure for the Peoples Financial Services management team is over 5 years, this suggests they are a seasoned and experienced team.
Board Age and Tenure
7.9yrs
Average Tenure
66yo
Average Age
The tenure for the Peoples Financial Services board of directors is about average.
Insider Trading
More shares have been bought than sold by Peoples Financial Services individual insiders in the past 3 months, but not in substantial volumes.
Recent Insider Transactions
| Entity | Individual |
| Role | Member of the Board of Directors |
| Shares | 200 |
| Max Price | US$42.41 |
| Entity | Individual |
| Role | Executive VP & Senior Lending Officer |
| Shares | 100 |
| Max Price | US$42.02 |
| Entity | Individual |
| Role | Member of the Board of Directors |
| Shares | 1,740 |
| Max Price | US$42.00 |
| Entity | Individual |
| Role | Chairman of the Board |
| Shares | 321 |
| Max Price | US$42.00 |
| Entity | Individual |
| Role | Chairman of the Board |
| Shares | 835 |
| Max Price | US$41.99 |
| Entity | Individual |
| Role | Chairman of the Board |
| Shares | 600 |
| Max Price | US$42.00 |
| Entity | Individual |
| Role | Chairman of the Board |
| Shares | 5,980 |
| Max Price | US$41.00 |
| Entity | Individual |
| Role | Chairman of the Board |
| Shares | 2,020 |
| Max Price | US$41.47 |
| Entity | Individual |
| Role | Member of the Board of Directors |
| Shares | 550 |
| Max Price | US$41.13 |
| Entity | Individual |
| Role | Senior EVP & COO |
| Shares | 8,000 |
| Max Price | US$41.00 |
Ownership Breakdown
Management Team
Debbie Adams (65yo)
Executive VP
- Compensation: $197.97k
Thomas Tulaney (59yo)
Senior EVP & COO
- Tenure: 2.2yrs
- Compensation: $626.30k
Joe Ferretti (49yo)
Executive VP & Senior Lending Officer
- Tenure: 5.7yrs
- Compensation: $306.12k
Neal Koplin (58yo)
Executive VP & Lehigh Valley Region Head
- Tenure: 5.0yrs
- Compensation: $465.76k
John Anderson (52yo)
Executive VP & CFO
- Tenure: 2.2yrs
- Compensation: $204.38k
Craig Best (58yo)
President
- Tenure: 5.8yrs
- Compensation: $918.40k
Lynn M. Thiel (58yo)
Executive VP & Chief Retail Officer
- Tenure: 19.6yrs
- Compensation: $157.05k
Tim Kirtley (49yo)
Executive VP & Chief Credit Officer
- Tenure: 3.1yrs
Marie Luciani
Investor Relations Officer
- Tenure: 5.6yrs
Michael Jake (66yo)
Executive VP & Chief Risk Officer
- Tenure: 5.8yrs
- Compensation: $405.14k
Board Members
William Aubrey (56yo)
Chairman of the Board
- Tenure: 11.3yrs
- Compensation: $59.97k
Joseph Wright (63yo)
Director
- Tenure: 10.0yrs
- Compensation: $50.06k
Craig Best (58yo)
President
- Tenure: 5.8yrs
- Compensation: $918.40k
Ronald Kukuchka (65yo)
Director
- Tenure: 12.3yrs
- Compensation: $40.97k
Steven Weinberger (71yo)
Director
- Tenure: 5.8yrs
- Compensation: $40.07k
Rick Lochen (55yo)
Director
- Tenure: 16.6yrs
- Compensation: $50.68k
James Nicholas (67yo)
Director
- Tenure: 5.8yrs
- Compensation: $55.58k
George Stover (72yo)
Director
- Tenure: 27.6yrs
- Compensation: $48.63k
James Keisling (71yo)
Independent Director
- Tenure: 5.8yrs
- Compensation: $50.25k
Robert Naismith (74yo)
Director
- Tenure: 5.8yrs
- Compensation: $45.27k
Company Information
Peoples Financial Services Corp.'s company bio, employee growth, exchange listings and data sources
Key Information
- Name: Peoples Financial Services Corp.
- Ticker: PFIS
- Exchange: NasdaqGS
- Founded: 1905
- Industry: regional banks
- Sector: banks
- Market Cap: US$323.340m
- Shares outstanding: 7.40m
- Website: Click here
Number of Employees
Location
- Peoples Financial Services Corp.
- 150 North Washington Avenue
- Scranton
- Pennsylvania
- 18503
- United States
Listings
| Ticker | Exchange | Primary Security | Security Type | Country | Currency | Listed on |
|---|---|---|---|---|---|---|
| PFIS | NasdaqGS (Nasdaq Global Select) | Yes | New Common Stock | US | USD | Dec 2013 |
Biography
Peoples Financial Services Corp. operates as the bank holding company for Peoples Security Bank and Trust Company that provides financial services. The company accepts money market, NOW, savings, individua ...
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2019/08/17 23:44 |
| End of Day Share Price | 2019/08/16 00:00 |
| Earnings | 2019/06/30 |
| Annual Earnings | 2018/12/31 |
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.