Peoples Finl Svcs Corp Financials
This page shows Peoples Finl Svcs Corp (PFIS) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 16 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Financial Health Signals
Based on FY2024 annual data. Scores normalized against common benchmarks. How we calculate these scores
Peoples Finl Svcs Corp's revenue surged 41.1% year-over-year to $211.5M, reflecting rapid business expansion. This strong growth earns a score of 100/100.
Peoples Finl Svcs Corp has elevated debt relative to equity (D/E of 9.86), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.
Peoples Finl Svcs Corp converts 14.8% of revenue into free cash flow ($31.3M). This strong cash generation earns a score of 74/100.
Peoples Finl Svcs Corp generates a 1.8% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 7/100. This is down from 8.0% the prior year.
Peoples Finl Svcs Corp passes 4 of 9 financial strength tests. 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.
For every $1 of reported earnings, Peoples Finl Svcs Corp generates $3.99 in operating cash flow ($33.9M OCF vs $8.5M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Key Financial Metrics
Peoples Finl Svcs Corp generated $211.5M in revenue in fiscal year 2024. This represents an increase of 41.1% from the prior year.
Peoples Finl Svcs Corp generated $31.3M in free cash flow in fiscal year 2024, representing cash available after capex. This represents an increase of 14.7% from the prior year.
Peoples Finl Svcs Corp reported $8.5M in net income in fiscal year 2024. This represents a decrease of 69.0% from the prior year.
Peoples Finl Svcs Corp earned $0.99 per diluted share (EPS) in fiscal year 2024. This represents a decrease of 74.2% from the prior year.
Peoples Finl Svcs Corp held $135.9M in cash against $0 in long-term debt as of fiscal year 2024.
Peoples Finl Svcs Corp paid $2.06 per share in dividends in fiscal year 2024. This represents an increase of 25.6% from the prior year.
Peoples Finl Svcs Corp had 10M shares outstanding in fiscal year 2024. This represents an increase of 41.9% from the prior year.
Peoples Finl Svcs Corp's net profit margin was 4.0% in fiscal year 2024, showing the share of revenue converted to profit. This is down 14.3 percentage points from the prior year.
Peoples Finl Svcs Corp's ROE was 1.8% in fiscal year 2024, measuring profit generated per dollar of shareholder equity. This is down 6.2 percentage points from the prior year.
Peoples Finl Svcs Corp invested $2.6M in capex in fiscal year 2024, funding long-term assets and infrastructure. This represents a decrease of 56.5% from the prior year.
PFIS Income Statement
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $65.2M-0.3% | $65.3M+4.7% | $62.4M-5.1% | $65.8M+71.5% | $38.4M-1.6% | $39.0M-2.7% | $40.1M+3.4% | $38.8M |
| Cost of Revenue | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Gross Profit | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $24.0M+3.6% | $23.1M+1.1% | $22.9M-16.2% | $27.3M+40.2% | $19.5M-1.1% | $19.7M-0.3% | $19.7M+12.8% | $17.5M |
| Income Tax | $3.6M+3.8% | $3.5M+6.9% | $3.2M+1291.9% | -$272K-164.6% | $421K-11.9% | $478K-18.6% | $587K-56.0% | $1.3M |
| Net Income | $15.2M-10.1% | $17.0M+13.0% | $15.0M+146.6% | $6.1M+85.5% | $3.3M-5.3% | $3.5M-4.5% | $3.6M-46.2% | $6.7M |
| EPS (Diluted) | $1.51-10.1% | $1.68+12.8% | $1.49+217.0% | $0.47+2.2% | $0.46-6.1% | $0.49-5.8% | $0.52-45.3% | $0.95 |
PFIS Balance Sheet
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $5.2B+1.0% | $5.1B+2.2% | $5.0B-1.8% | $5.1B+40.8% | $3.6B-1.4% | $3.7B-2.0% | $3.7B-2.2% | $3.8B |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $179.9M+2.4% | $175.7M+127.9% | $77.1M-43.2% | $135.9M+171.9% | $50.0M-54.6% | $110.0M-41.3% | $187.4M-26.4% | $254.5M |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Goodwill | $76.0M0.0% | $76.0M0.0% | $76.0M0.0% | $76.0M+19.9% | $63.4M0.0% | $63.4M0.0% | $63.4M0.0% | $63.4M |
| Total Liabilities | $4.7B+0.8% | $4.6B+2.1% | $4.5B-2.3% | $4.6B+41.1% | $3.3B-1.6% | $3.3B-2.1% | $3.4B-2.8% | $3.5B |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Equity | $509.3M+3.1% | $494.1M+2.5% | $481.9M+2.8% | $468.9M+37.6% | $340.8M+0.2% | $340.0M-0.1% | $340.4M+4.9% | $324.4M |
| Retained Earnings | $267.7M+3.5% | $258.6M+4.4% | $247.8M+3.7% | $239.0M-4.2% | $249.5M+0.2% | $249.1M+0.2% | $248.6M+0.3% | $247.9M |
PFIS Cash Flow Statement
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $15.2M+9.5% | $13.9M+53.2% | $9.1M+28.4% | $7.1M+306.1% | $1.7M-46.1% | $3.2M-63.9% | $8.9M+32.6% | $6.7M |
| Capital Expenditures | $2.2M-59.4% | $5.4M+980.4% | $499K+121.2% | -$2.4M-690.7% | $398K+84.3% | $216K-5.3% | $228K-81.3% | $1.2M |
| Free Cash Flow | $13.0M+53.3% | $8.5M-0.8% | $8.6M+82.0% | $4.7M+251.3% | $1.3M-55.4% | $3.0M-65.5% | $8.7M+57.8% | $5.5M |
| Investing Cash Flow | -$40.5M-586.7% | -$5.9M-114.5% | $40.7M-64.6% | $114.8M+3067.0% | -$3.9M+27.0% | -$5.3M-123.8% | $22.3M+188.7% | -$25.1M |
| Financing Cash Flow | $29.4M-67.5% | $90.6M+183.5% | -$108.5M+60.0% | -$271.4M-369.0% | -$57.9M+23.2% | -$75.3M+23.5% | -$98.4M-172.2% | $136.2M |
| Dividends Paid | $6.2M0.0% | $6.2M0.0% | $6.2M+0.1% | $6.2M+112.6% | $2.9M0.0% | $2.9M+0.2% | $2.9M-0.7% | $2.9M |
| Share Buybacks | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
PFIS Financial Ratios
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Net Margin | 23.4%-2.5pp | 25.9%+1.9pp | 24.0%+14.8pp | 9.3%+0.7pp | 8.6%-0.3pp | 8.9%-0.2pp | 9.1%-8.3pp | 17.4% |
| Return on Equity | 3.0%-0.4pp | 3.4%+0.3pp | 3.1%+1.8pp | 1.3%+0.3pp | 1.0%-0.1pp | 1.0%-0.0pp | 1.1%-1.0pp | 2.1% |
| Return on Assets | 0.3%-0.0pp | 0.3%+0.0pp | 0.3%+0.2pp | 0.1%+0.0pp | 0.1%0.0pp | 0.1%-0.0pp | 0.1%-0.1pp | 0.2% |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 9.13-0.2 | 9.34-0.0 | 9.38-0.5 | 9.86+0.2 | 9.61-0.2 | 9.79-0.2 | 9.99-0.8 | 10.79 |
| FCF Margin | 20.0%+7.0pp | 13.0%-0.7pp | 13.7%+6.6pp | 7.2%+3.7pp | 3.5%-4.2pp | 7.7%-14.0pp | 21.8%+7.5pp | 14.2% |
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Frequently Asked Questions
What is Peoples Finl Svcs Corp's annual revenue?
Peoples Finl Svcs Corp (PFIS) reported $211.5M in total revenue for fiscal year 2024. This represents a 41.1% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Peoples Finl Svcs Corp's revenue growing?
Peoples Finl Svcs Corp (PFIS) revenue grew by 41.1% year-over-year, from $149.9M to $211.5M in fiscal year 2024.
Is Peoples Finl Svcs Corp profitable?
Yes, Peoples Finl Svcs Corp (PFIS) reported a net income of $8.5M in fiscal year 2024, with a net profit margin of 4.0%.
What is Peoples Finl Svcs Corp's earnings per share (EPS)?
Peoples Finl Svcs Corp (PFIS) reported diluted earnings per share of $0.99 for fiscal year 2024. This represents a -74.2% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.
What is Peoples Finl Svcs Corp's net profit margin?
Peoples Finl Svcs Corp (PFIS) had a net profit margin of 4.0% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.
Does Peoples Finl Svcs Corp pay dividends?
Yes, Peoples Finl Svcs Corp (PFIS) paid $2.06 per share in dividends during fiscal year 2024.
What is Peoples Finl Svcs Corp's return on equity (ROE)?
Peoples Finl Svcs Corp (PFIS) has a return on equity of 1.8% for fiscal year 2024, measuring how efficiently the company generates profit from shareholder equity.
What is Peoples Finl Svcs Corp's free cash flow?
Peoples Finl Svcs Corp (PFIS) generated $31.3M in free cash flow during fiscal year 2024. This represents a 14.7% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Peoples Finl Svcs Corp's operating cash flow?
Peoples Finl Svcs Corp (PFIS) generated $33.9M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.
What are Peoples Finl Svcs Corp's total assets?
Peoples Finl Svcs Corp (PFIS) had $5.1B in total assets as of fiscal year 2024, including both current and long-term assets.
What are Peoples Finl Svcs Corp's capital expenditures?
Peoples Finl Svcs Corp (PFIS) invested $2.6M in capital expenditures during fiscal year 2024, funding long-term assets and infrastructure.
How many shares does Peoples Finl Svcs Corp have outstanding?
Peoples Finl Svcs Corp (PFIS) had 10M shares outstanding as of fiscal year 2024.
What is Peoples Finl Svcs Corp's debt-to-equity ratio?
Peoples Finl Svcs Corp (PFIS) had a debt-to-equity ratio of 9.86 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Peoples Finl Svcs Corp's return on assets (ROA)?
Peoples Finl Svcs Corp (PFIS) had a return on assets of 0.2% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.
What is Peoples Finl Svcs Corp's Piotroski F-Score?
Peoples Finl Svcs Corp (PFIS) has a Piotroski F-Score of 4 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Peoples Finl Svcs Corp's earnings high quality?
Peoples Finl Svcs Corp (PFIS) has an earnings quality ratio of 3.99x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is Peoples Finl Svcs Corp?
Peoples Finl Svcs Corp (PFIS) scores 45 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.