PEOPLES FINANCIAL SERVICES CORP. PFIS
Peoples Financial Services Corp., a bank holding company incorporated under the laws of Pennsylvania, provides a full range of financial services through its wholly-owned direct and indirect subsidiaries, including Peoples Security Bank and Trust Company and 1st Equipment Finance, Inc (1st Equipment Finance").
The Bank is a state-chartered bank and trust company under the jurisdiction of the Pennsylvania Department of Banking and Securities ("Department of Banking") and the Federal Deposit Insurance Corporation ("FDIC"). The Bank's forty community banking offices, all similar with respect to economic characteristics, share a majority of the following aggregation criteria: products and services; operating processes; customer bases; delivery systems; and regulatory oversight. Accordingly, they are aggregated into a single operating segment.
Valuation FY2025 figures against the last close
Annual financial statements
Income statement
| Fiscal year | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $259.7M | $211.5M | $149.9M | $111.3M | $94.1M | $94.1M | $93.4M | $84.7M | $74.2M | $69.0M |
| Interest expense | $166.0M | $116.0M | $86.8M | $95.7M | $9.4M | $14.3M | $17.9M | $13.3M | $8.7M | $7.3M |
| Pre-tax income | $72.2M | $8.5M | $32.5M | $45.4M | $53.5M | $34.2M | $28.9M | $28.3M | $26.6M | $24.6M |
| Income tax | $13.0M | $30.0K | $5.1M | $7.3M | $10.0M | $4.8M | $3.2M | $3.4M | $8.2M | $5.0M |
| Net income | $59.2M | $8.5M | $27.4M | $38.1M | $43.5M | $29.4M | $25.7M | $24.9M | $18.5M | $19.6M |
| EPS, basic | 5.92 | 1.00 | 3.85 | 5.31 | 6.05 | 4.02 | 3.48 | 3.37 | 2.50 | 2.65 |
| EPS, diluted | 5.88 | 0.99 | 3.83 | 5.28 | 6.02 | 4.00 | 3.47 | 3.37 | 2.50 | 2.65 |
| Shares, diluted (wtd. avg.) | $10.1M | $8.6M | $7.2M | $7.2M | $7.2M | $7.3M | $7.4M | $7.4M | $7.4M | $7.4M |
Balance sheet
| Fiscal year | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash and equivalents | $269.0M | $135.9M | $187.4M | $37.9M | $279.9M | $228.2M | $31.2M | $32.6M | $37.5M | $39.9M |
| Property, plant and equipment | $78.5M | $73.3M | $61.3M | $55.7M | $51.5M | $47.0M | $47.9M | $38.9M | $37.6M | $33.3M |
| Goodwill | $76.0M | $76.0M | $63.4M | $63.4M | $63.4M | $63.4M | $63.4M | $63.4M | $63.4M | $63.4M |
| Other intangibles | $27.7M | $34.2M | — | $105.0K | $468.0K | $960.0K | $1.6M | $2.3M | — | — |
| Total assets | $5.27B | $5.09B | $3.74B | $3.55B | $3.37B | $2.88B | $2.48B | $2.29B | $2.17B | $2.00B |
| Short-term debt | $32.7M | $15.9M | $17.6M | $114.9M | — | $50.0M | $152.2M | $86.5M | $123.7M | $82.7M |
| Long-term debt | — | — | — | — | — | — | $32.7M | $37.9M | $49.7M | $58.1M |
| Total liabilities | $4.75B | $4.62B | $3.40B | $3.24B | $3.03B | $2.57B | $2.18B | $2.01B | $1.90B | $1.74B |
| Retained earnings | $273.5M | $239.0M | $248.6M | $230.5M | $203.8M | $171.0M | $152.2M | $136.6M | $121.4M | $111.1M |
| Total equity | $519.8M | $468.9M | $340.4M | $315.4M | $340.1M | $316.9M | $299.0M | $278.6M | $265.0M | $256.6M |
Cash flow
| Fiscal year | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $54.3M | $34.7M | $33.3M | $42.4M | $40.8M | $37.2M | $37.1M | $32.6M | $28.6M | $28.1M |
| Depreciation and amortisation | $3.3M | $3.3M | $2.8M | $3.1M | $2.7M | $2.9M | $3.1M | $2.3M | $1.9M | $1.7M |
| Stock-based compensation | $348.0K | $786.0K | $888.0K | $534.0K | $546.0K | $570.0K | $554.0K | $272.0K | $177.0K | $71.0K |
| Capital expenditure | $10.9M | $2.6M | $5.9M | $7.8M | $4.9M | $2.3M | $5.6M | $4.1M | $6.2M | $6.8M |
| Investing cash flow | -$24.4M | $386.3M | -$25.8M | -$467.8M | -$440.1M | -$201.2M | -$184.7M | -$134.8M | -$184.6M | -$186.4M |
| Financing cash flow | $103.3M | -$472.6M | $142.0M | $183.4M | $451.1M | $361.1M | $146.2M | $97.3M | $153.5M | $165.3M |
| Dividends paid | $24.6M | $18.1M | $11.7M | $11.3M | $10.8M | $10.5M | $10.1M | $9.7M | $9.3M | $9.2M |
Figures as tagged in each year's own filing, in US dollars. A year restated by a later filing shows the restated figure. Capital expenditure, dividends and buybacks are cash out, shown positive. A line the filer does not report is not listed. Latest from accession 0001104659-26-041794.
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| WFC | WELLS FARGO & COMPANY/MN | $272.07B | 14.4x | -3.8% |
| C | CITIGROUP INC | $240.92B | 19.7x | 5.6% |
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| TFC | TRUIST FINANCIAL CORP | $63.10B | 13.5x | -2.1% |