RY 169.88 -1.0542% SHOP 144.59 -0.959% TD 77.85 -0.1667% ENB 59.62 -0.5505% BN 78.53 -0.971% TRI 223.92 -0.2495% CNQ 47.03 -0.0213% CP 102.49 -0.5627% CNR 147.77 -0.8787% BMO 131.32 -0.0685% BNS 78.4 0.0255% CSU 4463.7002 0.6222% CM 90.42 0.6344% MFC 44.91 -1.3184% ATD 77.0 -0.7604% NGT 60.01 -0.4149% TRP 68.0 -2.2989% SU 56.965 -0.4282% WCN 260.14 -0.653% L 176.45 0.7135%

Peoples Fin

Financial Services US PFIS

51.95USD
-0.62(1.18%)

Last update at 2024-11-20T20:14:00Z

Day Range

51.7252.77
LowHigh

52 Week Range

36.2649.49
LowHigh

Fundamentals

  • Previous Close 52.57
  • Market Cap282.57M
  • Volume19511
  • P/E Ratio12.55
  • Dividend Yield3.99%
  • Revenue TTM96.88M
  • Revenue Per Share TTM13.68
  • Gross Profit TTM 108.04M
  • Diluted EPS TTM3.19

Financials

Income Statement

Balancesheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Income before tax 45.37M 52.91M 34.17M 31.18M 28.31M
Minority interest - - - - 0.00000M
Net income 38.09M 43.52M 29.35M 27.54M 24.92M
Selling general administrative 33.55M 29.74M 30.14M 31.69M 28.41M
Selling and marketing expenses - - - - -
Gross profit 108.07M 98.12M 96.44M 90.64M 84.99M
Reconciled depreciation 0.36M 0.49M 4.25M 4.21M 3.21M
Ebit 64.62M 52.91M 34.17M 31.18M 43.97M
Ebitda 64.98M 53.41M 34.78M 31.91M 44.85M
Depreciation and amortization 0.36M 0.49M 0.61M 0.73M 0.88M
Non operating income net other -66.43500M -11.48700M 8.78M 5.11M -2.01400M
Operating income 64.62M 52.91M 34.17M 31.18M 41.63M
Other operating expenses 43.45M 45.20M 62.27M 59.46M 43.36M
Interest expense 15.59M 9.42M 14.32M 17.87M 13.32M
Tax provision 7.28M 9.40M 4.82M 3.15M 3.39M
Interest income 111.33M 93.98M 94.03M 93.30M 84.59M
Net interest income 95.75M 84.56M 79.70M 75.43M 71.27M
Extraordinary items - - - - 0.00000M
Non recurring - - - - 0.00000M
Other items - - - - 0.00000M
Income tax expense 7.28M 9.40M 4.82M 3.63M 3.39M
Total revenue 108.07M 98.12M 96.44M 90.64M 84.99M
Total operating expenses -43.45000M -45.20300M -62.26800M -59.46200M -43.35600M
Cost of revenue - - - - 0.01M
Total other income expense net -19.25600M -9.42200M -14.32400M -17.86800M -13.32200M
Discontinued operations - - - - 0.00000M
Net income from continuing ops 38.09M 43.52M 29.35M 25.74M 24.92M
Net income applicable to common shares 38.09M 43.52M 29.35M 25.74M 24.92M
Preferred stock and other adjustments - - - - 0.00000M
Breakdown 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31
Type yearly yearly yearly yearly yearly
Date 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31
Total assets 3749.64M 3553.51M 3369.99M 2883.80M 2477.45M
Intangible assets 0.87M 0.10M 0.47M 0.96M 1.56M
Earning assets - - - - 343.75M
Other current assets 209.65M -477.59300M 2102.62M 2112.62M 1647.65M
Total liab 3409.22M 3238.16M 3029.87M 2566.93M 2176.64M
Total stockholder equity 340.42M 315.35M 340.13M 316.88M 300.82M
Deferred long term liab - - - - -
Other current liab 2560.83M -115.83300M -0.40800M -50.73600M -153.42700M
Common stock 14.09M 14.32M 14.34M 14.41M 14.78M
Capital stock 14.09M 14.32M 14.34M 14.43M 14.78M
Retained earnings 248.55M 230.51M 203.75M 171.02M 153.99M
Other liab - 12.41M 30.35M 10.78M 7.79M
Good will 63.37M 63.37M 63.37M 63.37M 63.37M
Other assets - 2331.74M 2102.62M 2119.80M 1657.41M
Cash 42.66M 37.87M 37.51M 45.19M 31.15M
Cash and equivalents - - - - -
Total current liabilities 2604.26M 115.83M 0.41M 50.74M 153.43M
Current deferred revenue -5.76500M - - - -
Net debt 43.88M 110.62M -1.79700M 52.58M 153.73M
Short term debt 43.43M 114.93M - 50.00M 152.15M
Short long term debt 17.59M 114.93M - 50.00M 152.15M
Short long term debt total 86.55M 148.49M 35.71M 97.77M 184.88M
Other stockholder equity 122.13M 126.85M 127.55M 129.29M 135.25M
Property plant equipment - 55.67M 51.50M 47.05M 47.93M
Total current assets 209.65M 527.29M 563.36M 349.36M 368.62M
Long term investments 488.89M 568.99M 588.67M 303.27M 1916.55M
Net tangible assets - 251.88M 276.29M 252.55M 234.07M
Short term investments 398.93M 477.70M 517.32M 295.91M 330.48M
Net receivables 12.73M 11.71M 8.53M 8.26M 6.99M
Long term debt 58.00M 33.55M 35.71M 47.77M 32.73M
Inventory 20.79M 0.12M 0.49M 0.86M 0.45M
Accounts payable 5.76M 0.90M 0.41M 0.74M 1.28M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income -44.35100M -56.33600M -5.51400M 2.15M -3.20500M
Additional paid in capital - - - - -
Common stock total equity - 14.32M 14.34M 14.43M 14.78M
Preferred stock total equity - - - - -
Retained earnings total equity - 230.51M 203.75M 171.02M 152.19M
Treasury stock - - - - -
Accumulated amortization - - - - -
Non currrent assets other 3354.49M -12.37900M -704.01500M -414.64900M -451.42400M
Deferred long term asset charges - - - - -
Non current assets total 3539.99M 694.49M 704.01M 414.65M 451.42M
Capital lease obligations - - - - -
Long term debt total - 33.00M 33.00M 33.00M 32.73M
Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Investments -91.77400M -298.20200M -201.24000M -66.32700M 0.38M
Change to liabilities 0.45M 1.55M 13.01M 2.47M -1.03800M
Total cashflows from investing activities -467.81900M -440.10300M -201.24000M -184.72100M -134.80600M
Net borrowings 112.77M -62.05800M -87.11400M 60.48M -49.00300M
Total cash from financing activities 183.40M 451.07M 361.10M 146.18M 97.31M
Change to operating activities -1.25400M 2.67M 0.74M -0.89200M -0.22200M
Net income 38.09M 43.52M 29.35M 25.74M 24.92M
Change in cash -242.06500M 51.74M 197.04M -1.46300M -4.87200M
Begin period cash flow 279.93M 228.19M 31.15M 32.62M 37.49M
End period cash flow 37.87M 279.93M 228.19M 31.15M 32.62M
Total cash from operating activities 42.36M 40.77M 37.18M 37.08M 32.63M
Issuance of capital stock - - - - -
Depreciation 4.03M 3.64M 4.25M 4.21M 3.21M
Other cashflows from investing activities -368.21400M -137.01600M -1.69600M -112.79100M -131.11900M
Dividends paid 11.32M 10.79M 10.52M 10.13M 9.69M
Change to inventory - - - - -1811.23400M
Change to account receivables -3.18700M -0.27300M -1.27400M 0.13M -0.17900M
Sale purchase of stock -1.25300M -2.36100M -6.89300M -0.63400M 0.00000M
Other cashflows from financing activities 198.13M 476.28M 500.12M 178.12M 118.83M
Change to netincome 1.45M 2.44M 4.11M 6.89M 2.84M
Capital expenditures 7.83M 4.88M 2.29M 5.60M 4.07M
Change receivables -3.18700M -0.27300M -1.27400M 0.13M -0.17900M
Cash flows other operating -0.68000M -10.48200M -11.85200M -3.46500M 0.16M
Exchange rate changes - - - - 0.00000M
Cash and cash equivalents changes -242.06500M 51.74M 197.04M -1.46300M -4.87200M
Change in working capital -4.44100M 2.40M -0.53400M -0.75800M -0.40100M
Stock based compensation 0.53M 0.55M 0.57M 0.55M 0.27M
Other non cash items 3.53M -9.78800M 5.32M 6.94M 5.30M
Free cash flow 34.53M 35.89M 34.89M 31.48M 28.56M

Peer Comparison

Sector: Financial Services Industry: Banks - Regional

Company Change (USD) Price (USD) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x)
PFIS
Peoples Fin
-0.62 1.18% 51.95 12.55 - 2.63 0.77
HDB
HDFC Bank Limited ADR
0.23 0.37% 63.38 20.81 20.96 0.11 4.77
CIHHF
China Merchants Bank Co Ltd Class H
- -% 4.70 4.13 3.71 0.32 0.59
CIHKY
China Merchants Bank Co Ltd
0.09 0.39% 23.27 4.27 3.64 0.33 0.58
IBN
ICICI Bank Limited
0.005 0.02% 29.77 17.79 16.95 0.07 3.08

Reports Covered

Stock Research & News

Profile

Peoples Financial Services Corp. operates as the bank holding company for Peoples Security Bank and Trust Company that provides various commercial and retail banking services. The company accepts money market, negotiable order of withdrawal, savings, individual retirement, demand deposit, and certificates of deposit accounts. It also provides residential real estate, automobile, manufactured housing, personal, and home equity loans; and commercial real estate, working capital, construction, small business administration, and agricultural loans, as well as loans for equipment and other commercial needs, and mineral rights. In addition, the company offers fiduciary and investment services; investment management, IRA trustee, estate administration, living and life insurance trust, trustee under will, guardianship, custodial/IRA custodial, and corporate trust services, as well as pension and profit-sharing plans. Further, it provides wealth management products and services comprising investment portfolio management, estate and business succession planning, annuities, insurance, retirement plan, and tax planning, as well as education funding strategies; and securities, brokerage, and investor services. Additionally, the company offers small business checking and merchant money market accounts, online and telephone banking, business credit cards, merchant line of credit, and financial checkup services; and remote deposit capture, automatic clearing house transaction, cash management, automated teller machine, point of sale transaction, safe deposit box, night depository, direct deposit, and official check services. It serves business, non-profit, governmental, municipal agency, and professional customers, as well as retail customers. Peoples Financial Services Corp. was founded in 1905 and is headquartered in Scranton, Pennsylvania.

Peoples Fin

150 North Washington Avenue, Scranton, PA, United States, 18503

Key Executives

Name Title Year Born
Mr. Craig W. Best CEO & Director 1961
Mr. Thomas P. Tulaney Pres & COO 1960
Mr. John R. Anderson III Exec. VP & CFO 1967
Mr. Neal D. Koplin Sr. EVP & Chief Banking Officer 1961
Mr. Timothy H. Kirtley Exec. VP, Chief Risk Officer & Corp. Sec. 1970
Ms. Susan L. Hubble Exec. VP & Chief Information Officer 1956
Mr. Thomas P. Tulaney President & COO 1960
Mr. John R. Anderson III Executive VP & CFO 1967
Mr. Neal D. Koplin Senior EVP & Chief Banking Officer 1961
Mr. Timothy H. Kirtley Executive VP, Chief Risk Officer & Corporate Secretary 1970

Disclaimer - This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on ‘as is’ basis, using their API. The information and data provided on this page, as well as via the API, are not guaranteed to be real-time or accurate. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general informational purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine does not assume any responsibility for any trading losses you might incur as a result of using this information, data, or any analyst rating or recommendation provided. Kalkine will not accept any liability for any loss or damage resulting from reliance on the information, including but not limited to data, quotes, charts, analyst ratings, recommendations, and buy/sell signals sourced via the API.
Please be fully informed about the risks and costs associated with trading in the financial markets, as it is one of the riskiest forms of investment. Kalkine does not provide any warranties regarding the information on this page, including, without limitation, warranties of merchantability or fitness for a particular purpose or use.