Peoples Finl Svcs Corp Financials
Peoples Finl Svcs Corp (PFIS) reported $259.7M in revenue for fiscal year 2025, up 22.8% from the prior fiscal year. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 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).
Earnings snapped back as revenue expanded faster than funding costs within a still highly leveraged balance-sheet model.
The earnings engine changed shape: revenue reached$259.7M while interest expense stayed near$93.7M . Because selling costs also moved higher, net income rising from$8.5M to$59.2M points to a wider spread between asset yields and funding costs, not a simple expense reset.
Leverage is the amplifier here: return on assets was only
Cash generation broadly matched earnings, with operating cash flow of
Financial Health Signals
Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of Peoples Finl Svcs Corp's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Not available for Peoples Finl Svcs Corp, and counted as zero in the overall score.
Peoples Finl Svcs Corp passes 4 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 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 $0.92 in operating cash flow ($54.3M OCF vs $59.2M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.
Key Financial Metrics
Earnings & Revenue
Peoples Finl Svcs Corp generated $259.7M in revenue in fiscal year 2025. This represents an increase of 22.8% from the prior year.
Peoples Finl Svcs Corp reported $59.2M in net income in fiscal year 2025. This represents an increase of 596.5% from the prior year.
Peoples Finl Svcs Corp earned $5.88 per diluted share (EPS) in fiscal year 2025. This represents an increase of 493.9% from the prior year.
Not reported for fiscal year 2025.
Cash & Balance Sheet
Peoples Finl Svcs Corp generated $43.3M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 34.8% from the prior year.
Peoples Finl Svcs Corp held $269.0M in cash as of fiscal year 2025; long-term debt is not reported for that period.
Peoples Finl Svcs Corp paid $2.47 per share in dividends in fiscal year 2025. This represents an increase of 19.9% from the prior year.
Margins & Returns
Peoples Finl Svcs Corp's net profit margin was 22.8% in fiscal year 2025, showing the share of revenue converted to profit. This is up 18.8 percentage points from the prior year.
Peoples Finl Svcs Corp's ROE was 11.4% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 9.6 percentage points from the prior year.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
Capital Allocation
Peoples Finl Svcs Corp invested $10.9M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 324.6% from the prior year.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
PFIS Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | TTM | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $264.4M | $259.7M+22.8% | $211.5M+41.1% | $149.9M+34.6% | $111.3M+18.4% | $94.1M-0.1% | $94.1M+0.8% | $93.4M+10.3% | $84.7M+14.0% | $74.2M+7.6% | $69.0M+9.4% | $63.0M-1.4% | $64.0M+71.1% | $37.4M-0.6% | $37.6M-5.3% | $39.7M |
| SG&A Expenses | $58.7M | $56.3M+23.2% | $45.7M+29.6% | $35.3M+5.2% | $33.6M+12.8% | $29.7M-1.3% | $30.1M-3.9% | $31.4M+10.4% | $28.4M+6.5% | $26.7M+18.9% | $22.4M+4.2% | $21.5M+4.3% | $20.7M+29.2% | $16.0M+13.2% | $14.1M+1.2% | $14.0M |
| Interest Expense | $91.7M | $93.7M-1.8% | $95.5M+51.3% | $63.1M+304.9% | $15.6M+65.4% | $9.4M-34.2% | $14.3M-19.8% | $17.9M+34.1% | $13.3M+53.2% | $8.7M+20.0% | $7.3M+20.1% | $6.0M-9.1% | $6.6M+59.3% | $4.2M-22.2% | $5.4M-26.9% | $7.3M |
| Income Tax | $13.7M | $13.0M+43590.0% | -$30K-100.6% | $5.1M-29.6% | $7.3M-27.2% | $10.0M+107.4% | $4.8M+52.8% | $3.2M-7.0% | $3.4M-58.5% | $8.2M+63.3% | $5.0M+10.8% | $4.5M-17.2% | $5.5M+1025.6% | $485K-84.1% | $3.1M+0.8% | $3.0M |
| Net Income | $56.8M | $59.2M+596.5% | $8.5M-69.0% | $27.4M-28.1% | $38.1M-12.5% | $43.5M+48.3% | $29.4M+14.1% | $25.7M+3.3% | $24.9M+35.0% | $18.5M-5.7% | $19.6M+10.5% | $17.7M+0.4% | $17.6M+208.5% | $5.7M-46.0% | $10.6M+0.6% | $10.5M |
| EPS (Diluted) | — | $5.88+493.9% | $0.99-74.2% | $3.83-27.5% | $5.28-12.3% | $6.02+50.5% | $4.00+15.3% | $3.47+3.0% | $3.37+34.8% | $2.50-5.7% | $2.65+12.3% | $2.36+0.9% | $2.34 | $1.21-48.9% | $2.37+0.4% | $2.36 |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income.
TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
PFIS Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | $5.3B+3.5% | $5.1B+36.1% | $3.7B+5.3% | $3.6B+5.5% | $3.4B+16.8% | $2.9B+16.5% | $2.5B+8.1% | $2.3B+5.5% | $2.2B+8.5% | $2.0B+9.9% | $1.8B+4.4% | $1.7B+3.2% | $1.7B+83.9% | $918.0M+47.7% | $621.4M |
| Cash & Equivalents | $269.0M+98.0% | $135.9M-27.5% | $187.4M+394.8% | $37.9M-86.5% | $279.9M+22.7% | $228.2M+632.5% | $31.2M-4.5% | $32.6M-13.0% | $37.5M-6.1% | $39.9M+21.3% | $32.9M+4.7% | $31.4M-38.8% | $51.3M+7.2% | $47.8M+38.8% | $34.5M |
| Goodwill | $76.0M0.0% | $76.0M+19.9% | $63.4M0.0% | $63.4M0.0% | $63.4M0.0% | $63.4M0.0% | $63.4M0.0% | $63.4M0.0% | $63.4M0.0% | $63.4M0.0% | $63.4M0.0% | $63.4M0.0% | $63.4M+140.1% | $26.4M | N/A |
| Total Liabilities | $4.8B+2.8% | $4.6B+35.9% | $3.4B+5.1% | $3.2B+6.9% | $3.0B+18.0% | $2.6B+17.9% | $2.2B+8.3% | $2.0B+5.6% | $1.9B+9.3% | $1.7B+11.0% | $1.6B+5.0% | $1.5B+3.1% | $1.4B+84.5% | $785.6M+39.8% | $561.8M |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | N/A | $32.7M-13.6% | $37.9M-23.8% | $49.7M-14.4% | $58.1M-3.7% | $60.4M+82.1% | $33.1M-9.8% | $36.7M-19.1% | $45.4M+139.9% | $18.9M |
| Total Equity | $519.8M+10.9% | $468.9M+37.8% | $340.4M+8.0% | $315.4M-7.3% | $340.1M+7.3% | $316.9M+6.0% | $299.0M+7.3% | $278.6M+5.1% | $265.0M+3.3% | $256.6M+3.2% | $248.8M+0.8% | $246.8M+3.3% | $238.8M+80.3% | $132.4M+4.0% | $127.3M |
| Retained Earnings | $273.5M+14.5% | $239.0M-3.9% | $248.6M+7.8% | $230.5M+13.1% | $203.8M+19.1% | $171.0M+12.4% | $152.2M+11.4% | $136.6M+12.5% | $121.4M+9.2% | $111.1M+10.3% | $100.7M+9.1% | $92.3M+9.9% | $84.0M+0.3% | $83.8M+63.2% | $51.3M |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities.
PFIS Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | TTM | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $53.5M | $54.3M+56.3% | $34.7M+4.4% | $33.3M-21.5% | $42.4M+3.9% | $40.8M+9.7% | $37.2M+0.3% | $37.1M+13.6% | $32.6M+14.1% | $28.6M+1.9% | $28.1M-3.9% | $29.2M+20.6% | $24.2M+146.6% | $9.8M-22.1% | $12.6M-9.6% | $13.9M |
| Capital Expenditures | $8.6M | $10.9M+324.6% | $2.6M-56.5% | $5.9M-24.3% | $7.8M+60.3% | $4.9M+113.1% | $2.3M-59.1% | $5.6M+37.7% | $4.1M-34.9% | $6.2M-7.6% | $6.8M+53.0% | $4.4M+311.9% | $1.1M+74.8% | $614K-78.8% | $2.9M+292.0% | $739K |
| Free Cash Flow | $44.9M | $43.3M+34.8% | $32.1M+17.6% | $27.3M-20.9% | $34.5M-3.8% | $35.9M+2.9% | $34.9M+10.8% | $31.5M+10.2% | $28.6M+27.8% | $22.3M+5.0% | $21.3M-14.0% | $24.8M+7.1% | $23.1M+151.3% | $9.2M-5.2% | $9.7M-26.5% | $13.2M |
| Investing Cash Flow | -$228.5M | -$24.4M-106.3% | $386.3M+1600.1% | -$25.8M+94.5% | -$467.8M-6.3% | -$440.1M-118.7% | -$201.2M-8.9% | -$184.7M-37.0% | -$134.8M+27.0% | -$184.6M+1.0% | -$186.4M-108.4% | -$89.4M | N/A | -$14.9M-175.9% | $19.7M+75.6% | $11.2M |
| Financing Cash Flow | $255.6M | $103.3M+121.9% | -$472.6M-432.8% | $142.0M-22.6% | $183.4M-59.3% | $451.1M+24.9% | $361.1M+147.0% | $146.2M+50.2% | $97.3M-36.6% | $153.5M-7.1% | $165.3M+167.8% | $61.7M | N/A | $8.6M+145.3% | -$18.9M-287.9% | -$4.9M |
| Dividends Paid | $24.8M | $24.6M+36.2% | $18.1M+55.2% | $11.7M+2.9% | $11.3M+4.9% | $10.8M+2.6% | $10.5M+3.8% | $10.1M+4.5% | $9.7M+4.0% | $9.3M+1.6% | $9.2M-1.6% | $9.3M-0.4% | $9.4M+69.8% | $5.5M+0.1% | $5.5M0.0% | $5.5M |
| Share Buybacks | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $70K | N/A | N/A | $835K |
TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
PFIS Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 22.8%+18.8pp | 4.0%-14.3pp | 18.3%-15.9pp | 34.2%-12.1pp | 46.3%+15.1pp | 31.2%+3.6pp | 27.6%-1.9pp | 29.4%+4.6pp | 24.9%-3.5pp | 28.4%+0.3pp | 28.1%+0.5pp | 27.6%+12.3pp | 15.3%-12.9pp | 28.2%+1.7pp | 26.5% |
| Return on Equity | 11.4%+9.6pp | 1.8%-6.2pp | 8.0%-4.0pp | 12.1%-0.7pp | 12.8%+3.5pp | 9.3%+0.7pp | 8.6%-0.3pp | 8.9%+2.0pp | 7.0%-0.7pp | 7.6%+0.5pp | 7.1%0.0pp | 7.1%+4.7pp | 2.4%-5.6pp | 8.0%-0.3pp | 8.3% |
| Return on Assets | 1.1%+0.9pp | 0.2%-0.6pp | 0.7%-0.3pp | 1.1%-0.2pp | 1.3%+0.3pp | 1.0%0.0pp | 1.0%-0.1pp | 1.1%+0.2pp | 0.9%-0.1pp | 1.0%0.0pp | 1.0%0.0pp | 1.0%+0.7pp | 0.3%-0.8pp | 1.1%-0.5pp | 1.7% |
| Debt-to-Equity | 9.14-0.7x | 9.86-0.1x | 9.99-0.3x | 10.27+1.4x | 8.91+0.8x | 8.10+8.0x | 0.110.0x | 0.14-0.1x | 0.190.0x | 0.230.0x | 0.24+0.1x | 0.130.0x | 0.15-0.2x | 0.34+0.2x | 0.15 |
| FCF Margin | 16.7%+1.5pp | 15.2%-3.0pp | 18.2%-12.8pp | 31.0%-7.1pp | 38.1%+1.1pp | 37.1%+3.4pp | 33.7%0.0pp | 33.7%+3.6pp | 30.1%-0.8pp | 30.9%-8.4pp | 39.3%+3.1pp | 36.2%+11.5pp | 24.6%-1.2pp | 25.8%-7.4pp | 33.2% |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
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Where Peoples Finl Svcs Corp Ranks
Frequently Asked Questions
What is Peoples Finl Svcs Corp's annual revenue?
Peoples Finl Svcs Corp (PFIS) reported $259.7M in total revenue for fiscal year 2025. This represents a 22.8% 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 22.8% year-over-year, from $211.5M to $259.7M in fiscal year 2025.
Is Peoples Finl Svcs Corp profitable?
Yes, Peoples Finl Svcs Corp (PFIS) reported a net income of $59.2M in fiscal year 2025, with a net profit margin of 22.8%.
What is Peoples Finl Svcs Corp's net profit margin?
Peoples Finl Svcs Corp (PFIS) had a net profit margin of 22.8% in fiscal year 2025, 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 $2.47 per share in dividends during fiscal year 2025.
What is Peoples Finl Svcs Corp's return on equity (ROE)?
Peoples Finl Svcs Corp (PFIS) has a return on equity of 11.4% for fiscal year 2025, 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 $43.3M in free cash flow during fiscal year 2025. This represents a 34.8% 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 $54.3M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Peoples Finl Svcs Corp's total assets?
Peoples Finl Svcs Corp (PFIS) had $5.3B in total assets as of fiscal year 2025, including both current and long-term assets.
What are Peoples Finl Svcs Corp's capital expenditures?
Peoples Finl Svcs Corp (PFIS) invested $10.9M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is Peoples Finl Svcs Corp's debt-to-equity ratio?
Peoples Finl Svcs Corp (PFIS) had a debt-to-equity ratio of 9.14 as of fiscal year 2025, 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 1.1% for fiscal year 2025, 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 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 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 0.92x, considered mixed 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 35 out of 100 on our Financial Health Score, indicating weak standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.