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Peoples Financial Services Corp. (PFIS)
Financial Services · Banks - Regional · NasdaqGS
Peoples Financial Services Corp. revenue & earnings — last 10 fiscal years
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $0 | $0 | $0 | $0 | $0 | $0 | $108.07M | $100.91M | $134.49M | $187.76M |
| Gross profit | — | — | — | — | — | — | — | — | — | — |
| Net income | $19.58M | $18.46M | $24.92M | $25.74M | $29.35M | $43.52M | $38.09M | $27.38M | $8.50M | $59.19M |
| Net margin | — | — | — | — | — | — | 35.2% | 27.1% | 6.3% | 31.5% |
Source: Peoples Financial Services Corp. SEC filings (10-K). 17 years of history available in the interactive view.
What growth is priced into PFIS stock?
At today's market cap of $624.88M, Peoples Financial Services Corp. is priced for free-cash-flow growth of about 3.2% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $43.34M from the FY ending 2025-12-31). For comparison, free cash flow actually grew 4.4%/yr over the last five fiscal years, computed from its SEC filings. This is a reverse DCF — a translation of the price into a growth assumption you can judge, not a fair value and not advice. Change the assumptions yourself in the interactive view →
Explore 17 years of Peoples Financial Services Corp. financials — interactive
Full income statement, balance sheet and cash flow with CAGR and trend on every row, 48 quarters, valuation ratios, plain-English health checks, and Ask — our SEC-grounded research assistant.
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Peoples Financial Services Corp. financial history by metric
About Peoples Financial Services Corp.
Peoples Financial Services Corp. operates as the bank holding company for Peoples Security Bank and Trust Company that provides commercial and retail banking services in Pennsylvania, New Jersey and New York. The company accepts deposits through 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 and working capital, as well as loans for equipment and other commercial needs. In addition, the company offers fiduciary and investment services, including 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 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. The company was founded in 1905 and is headquartered in Moosic, Pennsylvania.
Peoples Financial Services Corp. — frequently asked questions
What is Peoples Financial Services Corp.'s revenue?
Peoples Financial Services Corp. (PFIS) reported revenue of $187.76M for fiscal year 2025, up 39.6% from the prior year, according to its SEC filings.
Is Peoples Financial Services Corp. profitable?
Yes. PFIS earned net income of $59.19M in fiscal 2025, a net margin of 31.5%.
What is PFIS's P/E ratio?
Peoples Financial Services Corp. trades at a price-to-earnings ratio of about 10.7 based on the latest data in our nightly-refreshed cache.
How much debt does Peoples Financial Services Corp. have?
As of fiscal year 2025, PFIS carried roughly $258.40M in total debt (short- plus long-term borrowings), per its filed balance sheet.
What is Peoples Financial Services Corp.'s market cap?
Peoples Financial Services Corp. (PFIS) has a market capitalization of about $624.88M, based on the latest data in our nightly-refreshed cache.
When does Peoples Financial Services Corp.'s fiscal year end?
PFIS's fiscal year ends in December. Its most recent annual filing covers the fiscal year ending 2025-12-31.
What growth is priced into PFIS stock?
At today's market cap of $624.88M, Peoples Financial Services Corp. is priced for free-cash-flow growth of about 3.2% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $43.34M from the FY ending 2025-12-31). For comparison, free cash flow actually grew 4.4%/yr over the last five fiscal years, computed from its SEC filings.
Where does this data come from?
All figures are computed from Peoples Financial Services Corp.'s official SEC filings (10-K and 10-Q), covering 17 years of history, refreshed nightly. stockportfolio.pro does not provide investment advice.