NasdaqGS:PFIS

Stock Analysis Report

Peoples Financial Services

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

PFISIndustryMarket
7 Day-1.4%-2.6%-1.0%
30 Day-2.9%-6.3%-3.3%
90 Day0.5%-3.5%0.8%
1 Year0.09%-2.9%-11.8%-14.2%1.9%-0.4%
3 Year22.4%12.0%42.2%32.4%39.4%30.4%
5 Year2.7%-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

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

BuyUS$8,48314 Jun 19
Ronald Kukuchka
EntityIndividual
Role
Member of the Board of Directors
Shares200
Max PriceUS$42.41
SellUS$4,20212 Mar 19
Joseph Ferretti
EntityIndividual
Role
Executive VP & Senior Lending Officer
Shares100
Max PriceUS$42.02
BuyUS$73,08004 Feb 19
Ronald Kukuchka
EntityIndividual
Role
Member of the Board of Directors
Shares1,740
Max PriceUS$42.00
BuyUS$13,48214 Dec 18
William Aubrey
EntityIndividual
Role
Chairman of the Board
Shares321
Max PriceUS$42.00
BuyUS$35,06312 Dec 18
William Aubrey
EntityIndividual
Role
Chairman of the Board
Shares835
Max PriceUS$41.99
BuyUS$25,20012 Dec 18
William Aubrey
EntityIndividual
Role
Chairman of the Board
Shares600
Max PriceUS$42.00
BuyUS$245,18707 Nov 18
William Aubrey
EntityIndividual
Role
Chairman of the Board
Shares5,980
Max PriceUS$41.00
BuyUS$83,77105 Nov 18
William Aubrey
EntityIndividual
Role
Chairman of the Board
Shares2,020
Max PriceUS$41.47
BuyUS$22,58326 Oct 18
Richard Lochen
EntityIndividual
Role
Member of the Board of Directors
Shares550
Max PriceUS$41.13
BuyUS$328,00026 Oct 18
Thomas Tulaney
EntityIndividual
Role
Senior EVP & COO
Shares8,000
Max PriceUS$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

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
PFISNasdaqGS (Nasdaq Global Select)YesNew Common StockUSUSDDec 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

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/17 23:44
End of Day Share Price2019/08/16 00:00
Earnings2019/06/30
Annual Earnings2018/12/31


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.