Peoples Financial Services Corp. (PFIS) Financials
A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 3, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 10-Q for Q2 FY2026, filed Aug 7, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the PFIS SEC filings page.
Peoples Financial Services Corp. (PFIS) reported $195.3M in revenue over the twelve months to Jun 30, 2026, up 6.5% from the prior twelve months. 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).
The business is balance-sheet heavy: asset growth and high leverage matter more than margin analysis, while earnings rebounded in FY2025.
The balance sheet expanded materially through FY2025, yet return on assets recovered only from0.7% to1.1% , indicating added assets produced only modest improvement in earning efficiency. The rebound in profit therefore was not simply a scale story: earnings improved, but returns remained thin relative to the asset base.
Earnings quality shifted sharply: FY2024 net income was
With liabilities 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 Financial Services 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.
Peoples Financial Services Corp. earned a return on assets of 1.1% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from 0.2% the prior year. Earnings ranks banks on that return over three years, and Peoples Financial Services Corp. scores 40/100 among other banks.
Peoples Financial Services Corp. reported revenue of $187.7M in fiscal year 2025, against $134.3M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Peoples Financial Services Corp. scores 89/100 among other banks.
Peoples Financial Services Corp. funded 9.9% of its assets with shareholders' equity at the end of fiscal year 2025, holding $519.8M of equity against $5.3B of assets. Capital ranks banks on that cushion, and Peoples Financial Services Corp. scores 27/100 among other banks.
Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Peoples Financial Services Corp. scores 35/100 on it among other banks.
Not available for Peoples Financial Services Corp., and counted as zero in the overall score.
Peoples Financial Services Corp. reported net income of $59.2M in fiscal year 2025, against $8.5M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and Peoples Financial Services Corp. scores 33/100 among other banks.
Peoples Financial Services 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 Financial Services 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 Financial Services Corp. generated $52.1M in revenue in Q2 2026. This represents an increase of 7.6% from the same quarter a year earlier. Against the prior quarter it is up 4.8%.
Peoples Financial Services Corp. reported $14.8M in net income in Q2 2026. This represents a decrease of 12.7% from the same quarter a year earlier. Against the prior quarter it is up 0.4%.
Peoples Financial Services Corp. earned $1.48 per diluted share (EPS) in Q2 2026. This represents a decrease of 11.9% from the same quarter a year earlier. Against the prior quarter it is up 0.7%.
Not reported for Q2 2026.
Cash & Balance Sheet
Peoples Financial Services Corp. generated $12.2M in free cash flow in Q2 2026, representing cash available after capex. This represents an increase of 43.0% from the same quarter a year earlier. Against the prior quarter it is up 87.5%.
Peoples Financial Services Corp. held $256.3M in cash as of Q2 2026; long-term debt is not reported for that period.
Peoples Financial Services Corp. paid $0.63 per share in dividends in Q2 2026. This represents an increase of 1.2% from the same quarter a year earlier. It is unchanged from the prior quarter.
Margins & Returns
Peoples Financial Services Corp.'s net profit margin was 28.4% in Q2 2026, showing the share of revenue converted to profit. This is down 6.6 percentage points from the same quarter a year earlier. Against the prior quarter it is down 1.2 percentage points.
Peoples Financial Services Corp.'s ROE was 2.8% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is down 0.7 percentage points from the same quarter a year earlier. Against the prior quarter it is down 0.1 percentage points.
Not reported for Q2 2026.
Not reported for Q2 2026.
Capital Allocation
Peoples Financial Services Corp. invested $1.7M in capex in Q2 2026, funding long-term assets and infrastructure. This represents a decrease of 68.4% from the same quarter a year earlier. Against the prior quarter it is down 5.8%.
Not reported for Q2 2026.
Not reported for Q2 2026.
PFIS Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Revenue | $52.1M+7.6% | $49.8M+8.6% | $46.8M+5.8% | $46.7M+3.8% | $48.4M+115.6% | $45.8M+101.7% | $44.2M+87.6% | $45.0M+80.1% |
| SG&A Expenses | $15.1M+9.6% | $14.5M+7.7% | $15.0M-2.1% | $14.1M+7.3% | $13.8M+62.9% | $13.5M+52.5% | $15.3M+71.0% | $13.2M+49.9% |
| Interest Expense | $22.1M-4.3% | $21.8M-4.6% | $23.7M-13.0% | $24.0M-17.4% | $23.1M+18.9% | $22.9M+16.3% | $27.3M+38.3% | $29.0M+66.1% |
| Income Tax | $3.6M+4.4% | $3.8M+16.2% | $2.7M+1108.1% | $3.6M+647.6% | $3.5M+723.0% | $3.2M+578.2% | -$272K-146.3% | -$657K-149.2% |
| Net Income | $14.8M-12.7% | $14.7M-1.7% | $12.0M+96.7% | $15.2M+451.5% | $17.0M+416.6% | $15.0M+333.0% | $6.1M+67.7% | -$4.3M-164.3% |
| EPS (Basic) | $1.48-12.9% | $1.47-2.0% | $1.20+71.4% | $1.53+455.8% | $1.70+261.7% | $1.50+206.1% | $0.70+34.6% | -$0.43-145.3% |
| EPS (Diluted) | $1.48-11.9% | $1.47-1.3% | $1.19+72.5% | $1.51+451.2% | $1.68+265.2% | $1.49+204.1% | $0.69+32.7% | -$0.43-145.3% |
| Diluted Shares (Avg) | 10M-0.5% | 10M-0.1% | N/A | 10M+0.4% | 10M+41.7% | 10M+41.4% | N/A | 10M+41.1% |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.
PFIS Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $5.4B+6.5% | $5.4B+8.5% | $5.3B+3.5% | $5.2B-3.7% | $5.1B+41.3% | $5.0B+36.3% | $5.1B+36.1% | $5.4B+40.1% |
| Cash & Equivalents | $256.3M+45.8% | $328.6M+326.2% | $269.0M+98.0% | $179.9M-37.0% | $175.7M+251.8% | $77.1M-29.9% | $135.9M-27.5% | $285.5M+12.2% |
| Short-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Long-Term Investments | $14.3M+22.4% | $17.9M+93.4% | $12.5M+21.9% | $13.5M+37.5% | $11.7M+51.4% | $9.3M+86.2% | $10.2M+97.3% | $9.8M+73.5% |
| Goodwill | $76.0M0.0% | $76.0M0.0% | $76.0M0.0% | $76.0M-1.3% | $76.0M+19.9% | $76.0M+19.9% | $76.0M+19.9% | $77.0M+21.4% |
| Total Liabilities | $4.9B+6.3% | $4.9B+8.4% | $4.8B+2.8% | $4.7B-4.8% | $4.6B+40.9% | $4.5B+35.7% | $4.6B+35.9% | $4.9B+39.5% |
| Total Equity | $536.2M+8.5% | $525.5M+9.1% | $519.8M+10.9% | $509.3M+7.2% | $494.1M+45.0% | $481.9M+41.7% | $468.9M+37.8% | $475.1M+46.4% |
| Retained Earnings | $290.6M+12.4% | $282.0M+13.8% | $273.5M+14.5% | $267.7M+12.0% | $258.6M+3.6% | $247.8M-0.5% | $239.0M-3.9% | $239.0M-3.6% |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities, Long-Term Debt.
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. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $13.9M-0.2% | $8.3M-8.5% | $16.1M+104.6% | $15.2M-30.5% | $13.9M+698.9% | $9.1M+181.2% | $7.9M-12.1% | $21.9M+224.6% |
| Depreciation & Amortization | $922K+13.5% | $916K+14.8% | $884K-9.3% | $823K-8.1% | $812K+11.8% | $798K+6.5% | $975K+31.2% | $896K+37.8% |
| Stock-Based Compensation | N/A | $444K+336.2% | N/A | N/A | N/A | -$188K-408.2% | N/A | N/A |
| Capital Expenditures | $1.7M-68.4% | $1.8M+262.9% | $2.9M+21.5% | $2.2M-49.3% | $5.4M+1254.5% | $499K+131.0% | -$2.4M+931.1% | $4.3M+253.2% |
| Free Cash Flow | $12.2M+43.0% | $6.5M-24.3% | $13.2M+140.1% | $13.0M-25.9% | $8.5M+534.0% | $8.6M+184.8% | $5.5M-36.8% | $17.6M+218.3% |
| Investing Cash Flow | -$89.1M-1411.5% | -$80.3M-297.4% | -$18.7M-116.4% | -$40.5M-114.4% | -$5.9M-52.4% | $40.7M+867.1% | $114.0M+411.1% | $281.6M+1219.7% |
| Financing Cash Flow | $2.8M-96.9% | $131.6M+221.3% | $91.7M+133.8% | $29.4M+143.3% | $90.6M+256.6% | -$108.5M-44.0% | -$271.4M-175.8% | -$67.9M-149.9% |
| Dividends Paid | $6.3M+1.4% | $6.2M+1.4% | $6.2M+0.1% | $6.2M+0.1% | $6.2M+112.9% | $6.2M+112.9% | $6.2M+113.1% | $6.2M+111.7% |
Not reported in any period shown, so not listed: Share Buybacks.
PFIS Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Net Margin | 28.4%-6.6pp | 29.6%-3.1pp | 25.6%+11.8pp | 32.7%+42.3pp | 35.0%+20.4pp | 32.8%+17.5pp | 13.8%-1.6pp | -9.7%-36.7pp |
| Return on Equity | 2.8%-0.7pp | 2.8%-0.3pp | 2.3%+1.0pp | 3.0%+3.9pp | 3.4%+2.5pp | 3.1%+2.1pp | 1.3%+0.2pp | -0.9%-3.0pp |
| Return on Assets | 0.3%-0.1pp | 0.3%0.0pp | 0.2%+0.1pp | 0.3%+0.4pp | 0.3%+0.2pp | 0.3%+0.2pp | 0.1%0.0pp | -0.1%-0.3pp |
| Debt-to-Equity | 9.15-0.2x | 9.32-0.1x | 9.14-0.7x | 9.13-1.2x | 9.34-0.3x | 9.38-0.4x | 9.86-0.1x | 10.28-0.5x |
| Asset Turnover | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x |
| FCF Margin | 23.3%+5.8pp | 13.0%-5.7pp | 28.3%+15.8pp | 27.9%-11.2pp | 17.5%+11.6pp | 18.7%+5.5pp | 12.5%-24.5pp | 39.1%+17.0pp |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
Similar Companies
Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.
| Company | Fiscal year | Revenue | Net income | Net margin | Market cap | Health score |
|---|---|---|---|---|---|---|
| Peoples Financial Services Corp. PFIS | FY2025 | $187.7M | $59.2M | 31.5% | $693.6M | 37/100 |
| Bar Harbor Bankshares BHB | FY2025 | $168.9M | $36.9M | 21.9% | $661.4M | 47/100 |
| Unity Bancorp UNTY | FY2025 | $131.8M | $58.0M | 44.0% | $555.8M | 62/100 |
| Arrow Financial Corp AROW | FY2025 | $139.5M | $44.0M | 31.5% | $700.0M | 29/100 |
| Financial Institutions Inc FISI | FY2025 | $244.9M | $74.9M | 30.6% | $787.9M | 29/100 |
| Northrim BanCorp Inc NRIM | FY2025 | $255.6M | $64.6M | 25.3% | $550.8M | 62/100 |
Where Peoples Financial Services Corp. Ranks
Frequently Asked Questions
What is Peoples Financial Services Corp.'s annual revenue?
Peoples Financial Services Corp. (PFIS) reported $187.7M in total revenue for fiscal year 2025. This represents a 39.7% 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 Financial Services Corp.'s revenue growing?
Peoples Financial Services Corp. (PFIS) revenue grew by 39.7% year-over-year, from $134.3M to $187.7M in fiscal year 2025.
Is Peoples Financial Services Corp. profitable?
Yes, Peoples Financial Services Corp. (PFIS) reported a net income of $59.2M in fiscal year 2025, with a net profit margin of 31.5%.
What is Peoples Financial Services Corp.'s net profit margin?
Peoples Financial Services Corp. (PFIS) had a net profit margin of 31.5% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
Does Peoples Financial Services Corp. pay dividends?
Yes, Peoples Financial Services Corp. (PFIS) paid $2.47 per share in dividends during fiscal year 2025.
What is Peoples Financial Services Corp.'s return on equity (ROE)?
Peoples Financial Services 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 Financial Services Corp.'s free cash flow?
Peoples Financial Services 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 Financial Services Corp.'s operating cash flow?
Peoples Financial Services Corp. (PFIS) generated $54.3M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Peoples Financial Services Corp.'s total assets?
Peoples Financial Services Corp. (PFIS) had $5.3B in total assets as of fiscal year 2025, including both current and long-term assets.
What are Peoples Financial Services Corp.'s capital expenditures?
Peoples Financial Services Corp. (PFIS) invested $10.9M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is Peoples Financial Services Corp.'s debt-to-equity ratio?
Peoples Financial Services 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 Financial Services Corp.'s return on assets (ROA)?
Peoples Financial Services 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 Financial Services Corp.'s P/E ratio?
Peoples Financial Services Corp. (PFIS) trades at 12.2x earnings, its market capitalization divided by net income of $56.8M net income, trailing 12 months to June 30, 2026. The market capitalization is $693.6M as of Oct 3, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Peoples Financial Services Corp.'s price-to-sales ratio?
Peoples Financial Services Corp. (PFIS) trades at 3.6x sales, its market capitalization divided by revenue of $195.3M revenue, trailing 12 months to June 30, 2026. The market capitalization is $693.6M as of Oct 3, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Peoples Financial Services Corp.'s Piotroski F-Score?
Peoples Financial Services 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 Financial Services Corp.'s earnings high quality?
Peoples Financial Services 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 Financial Services Corp.?
Peoples Financial Services Corp. (PFIS) scores 37 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.