Peoples Financial Services Corp.

NasdaqGS:PFIS Stock Report

Market Cap: US$514.4m

Peoples Financial Services Past Earnings Performance

Past criteria checks 0/6

Peoples Financial Services's earnings have been declining at an average annual rate of -2.8%, while the Banks industry saw earnings growing at 6.6% annually. Revenues have been growing at an average rate of 4% per year. Peoples Financial Services's return on equity is 1.3%, and it has net margins of 6.3%.

Key information

-2.8%

Earnings growth rate

-2.2%

EPS growth rate

Banks Industry Growth11.2%
Revenue growth rate4.0%
Return on equity1.3%
Net Margin6.3%
Last Earnings Update30 Sep 2024

Recent past performance updates

Recent updates

Peoples Financial Services: A New Chapter For This High-Yield Bank

Nov 05

Peoples Financial Services Corp. Just Missed EPS By 18%: Here's What Analysts Think Will Happen Next

May 12
Peoples Financial Services Corp. Just Missed EPS By 18%: Here's What Analysts Think Will Happen Next

Bearish: Analysts Just Cut Their Peoples Financial Services Corp. (NASDAQ:PFIS) Revenue and EPS estimates

May 10
Bearish: Analysts Just Cut Their Peoples Financial Services Corp. (NASDAQ:PFIS) Revenue and EPS estimates

Peoples Financial Services (NASDAQ:PFIS) Has Affirmed Its Dividend Of $0.41

May 02
Peoples Financial Services (NASDAQ:PFIS) Has Affirmed Its Dividend Of $0.41

Peoples Financial Services (NASDAQ:PFIS) Has Announced A Dividend Of $0.41

Feb 01
Peoples Financial Services (NASDAQ:PFIS) Has Announced A Dividend Of $0.41

Peoples Financial Services (NASDAQ:PFIS) Is Due To Pay A Dividend Of $0.41

Nov 02
Peoples Financial Services (NASDAQ:PFIS) Is Due To Pay A Dividend Of $0.41

Peoples Financial Services' (NASDAQ:PFIS) Dividend Will Be $0.41

Aug 28
Peoples Financial Services' (NASDAQ:PFIS) Dividend Will Be $0.41

Peoples Financial Services (NASDAQ:PFIS) Has Announced A Dividend Of $0.41

Aug 03
Peoples Financial Services (NASDAQ:PFIS) Has Announced A Dividend Of $0.41

Peoples Financial Services' (NASDAQ:PFIS) Shareholders Will Receive A Bigger Dividend Than Last Year

May 04
Peoples Financial Services' (NASDAQ:PFIS) Shareholders Will Receive A Bigger Dividend Than Last Year

Peoples Financial Services' (NASDAQ:PFIS) Upcoming Dividend Will Be Larger Than Last Year's

Feb 03
Peoples Financial Services' (NASDAQ:PFIS) Upcoming Dividend Will Be Larger Than Last Year's

Peoples Financial Services Non-GAAP EPS of $1.38, revenue of $28.31M

Oct 20

Peoples Financial Services' (NASDAQ:PFIS) Upcoming Dividend Will Be Larger Than Last Year's

Aug 04
Peoples Financial Services' (NASDAQ:PFIS) Upcoming Dividend Will Be Larger Than Last Year's

Peoples Financial Services declares $0.40 dividend

Jul 29

Peoples Financial Services Non-GAAP EPS of $1.30 in-line, revenue of $27.59M beats by $0.39M

Jul 21

Peoples Financial Services (NASDAQ:PFIS) Is Paying Out A Larger Dividend Than Last Year

Feb 01
Peoples Financial Services (NASDAQ:PFIS) Is Paying Out A Larger Dividend Than Last Year

Peoples Financial Services' (NASDAQ:PFIS) Dividend Will Be Increased To US$0.38

Nov 04
Peoples Financial Services' (NASDAQ:PFIS) Dividend Will Be Increased To US$0.38

Peoples Financial Services (NASDAQ:PFIS) Has Announced That It Will Be Increasing Its Dividend To US$0.38

Aug 19
Peoples Financial Services (NASDAQ:PFIS) Has Announced That It Will Be Increasing Its Dividend To US$0.38

Peoples Financial Services (NASDAQ:PFIS) Is Paying Out A Larger Dividend Than Last Year

Aug 05
Peoples Financial Services (NASDAQ:PFIS) Is Paying Out A Larger Dividend Than Last Year

Revenue & Expenses Breakdown

How Peoples Financial Services makes and spends money. Based on latest reported earnings, on an LTM basis.


Earnings and Revenue History

NasdaqGS:PFIS Revenue, expenses and earnings (USD Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 24966630
30 Jun 249117570
31 Mar 249723560
31 Dec 2310027560
30 Sep 2310633560
30 Jun 2310936560
31 Mar 2310836550
31 Dec 2210838540
30 Sep 2211545510
30 Jun 2211344490
31 Mar 2210944470
31 Dec 2110944450
30 Sep 219735450
30 Jun 219635450
31 Mar 219434450
31 Dec 208929460
30 Sep 208526460
30 Jun 208325460
31 Mar 208325460
31 Dec 198526460
30 Sep 198627450
30 Jun 198427440
31 Mar 198225430
31 Dec 188125420
30 Sep 187921420
30 Jun 187820410
31 Mar 187920410
31 Dec 177818400
30 Sep 177721400
30 Jun 177620380
31 Mar 177320360
31 Dec 167320350
30 Sep 167119320
30 Jun 167018320
31 Mar 166918320
31 Dec 156918340
30 Sep 156918310
30 Jun 157019300
31 Mar 156918300
31 Dec 146918290
30 Sep 146411290
30 Jun 14568260
31 Mar 14508230

Quality Earnings: PFIS has a large one-off loss of $12.0M impacting its last 12 months of financial results to 30th September, 2024.

Growing Profit Margin: PFIS's current net profit margins (6.3%) are lower than last year (30.9%).


Free Cash Flow vs Earnings Analysis


Past Earnings Growth Analysis

Earnings Trend: PFIS's earnings have declined by 2.8% per year over the past 5 years.

Accelerating Growth: PFIS's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: PFIS had negative earnings growth (-81.6%) over the past year, making it difficult to compare to the Banks industry average (-2.7%).


Return on Equity

High ROE: PFIS's Return on Equity (1.3%) is considered low.


Return on Assets


Return on Capital Employed


Discover strong past performing companies

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/02/03 03:21
End of Day Share Price 2025/01/31 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Peoples Financial Services Corp. is covered by 3 analysts. 2 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
David BishopHovde Group, LLC
null nullStephens, Inc.
Matthew BreeseStephens, Inc.