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Ticker
PFIS

Price
40.81
Stock movement up
+0.14 (0.34%)
Company name
Peoples Fin
Exchange
(NASDAQ
,
Currency
USD
)
Sector
Financial Services >
Banks - Regional
Market cap
407.88M
Ent value
5.19B
Price/Sales
2.36
Price/Book
0.86
Div yield
6.05%
Div growth
4.60%
Growth years
7
FCF payout
70.38%
Trailing P/E
67.52
Forward P/E
6.90
PEG
-
EPS growth
2.59%
1 year return
7.93%
3 year return
-5.76%
5 year return
1.54%
10 year return
-0.68%
Last updated: 2025-04-12

iO Charts is a Seeking Alpha partner

iO Charts is a Seeking Alpha partner

DIVIDENDS

Dividend yield - 5y

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Dividend yield data
Dividend per share2.47
Dividend yield6.05%
Payout frequencyQuarterly
Maximum yield6.07%
Average yield3.80%
Minimum yield2.74%
Discount to avg yield37.24%
Upside potential59.35%
Yield as % of max yield99.66%

Yield distribution (inverse percentile) - 5y

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Yield distribution data
Dividend yield6.05%
Current yield distribution0.32%
Yield at 100% (Min)2.74%
Yield at 90%3.04%
Yield at 80%3.19%
Yield at 50% (Median)3.70%
Yield at 20%4.23%
Yield at 10%4.87%
Yield at 0% (Max)6.07%

Dividend per share

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Dividend per share data
Years of growth7 years
CCC statusDividend Challenger
Dividend per share2.47
Payout frequencyQuarterly
Ex-div date28 Feb 2025
EPS (TTM)0.60
EPS (1y forward)5.92
EPS growth (5y)2.59%
EPS growth (5y forward)-

Dividend growth

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Dividend growth data
PFISS&P500
DGR MR50.61%-13.74%
DGR TTM37.96%6.60%
DGR 3 years4.43%5.24%
DGR 5 years4.60%5.40%
DGR 10 years5.95%7.07%
DGR 15 years5.26%6.12%
Time since last change announced263 days
EPS growth (5y)2.59%
EPS growth (5y forward)-

Payout ratio

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Payout ratio data
EPS coverageFCF coverage
TTM244.63%70.38%
Average41.28%37.69%
Forward41.76%-

iO Charts is a Seeking Alpha partner

iO Charts is a Seeking Alpha partner

VALUATION

Valuation Ratios

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Valuation Ratios data
Trailing P/E67.52
Price to OCF16.30
Price to FCF19.43
Price to EBITDA283.45
EV to EBITDA3603.61

Valuation (Sales/Book Value)

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Valuation (Sales/Book Value) data
Price to Sales2.36
Price to Book0.86
EV to Sales30.05

iO Charts is a Seeking Alpha partner

iO Charts is a Seeking Alpha partner

FINANCIALS

Per share

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Per share data
Current share count9.99M
EPS (TTM)0.60
FCF per share (TTM)2.09

Income statement

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Income statement data
Revenue (TTM)172.56M
Gross profit (TTM)201.66M
Operating income (TTM)13.29M
Net income (TTM)6.04M
EPS (TTM)0.60
EPS (1y forward)5.92

Margins

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Margins data
Gross margin (TTM)116.86%
Operating margin (TTM)7.70%
Profit margin (TTM)3.50%

Balance Sheet

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Balance Sheet data
Cash107.38M
Net receivables17.98M
Total current assets761.34M
Goodwill76.96M
Intangible assets35.91M
Property, plant and equipment0.00
Total assets5.36B
Accounts payable6.83M
Short/Current long term debt189.85M
Total current liabilities44.17M
Total liabilities4.89B
Shareholder's equity475.05M
Net tangible assets0.00

Cash flow

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Cash flow data
Operating cash flow (TTM)25.03M
Capital expenditures (TTM)4.03M
Free cash flow (TTM)21.00M
Dividends paid (TTM)14.78M

Financial returns

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Financial returns data
Return on Equity1.27%
Return on Assets0.11%
Return on Invested Capital0.91%
Cash Return on Invested Capital3.16%

iO Charts is a Seeking Alpha partner

iO Charts is a Seeking Alpha partner

STOCK INFORMATION

Stock chart

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Stock price data
Open40.19
Daily high41.33
Daily low40.19
Daily Volume14K
All-time high58.76
1y analyst estimate60.00
Beta0.49
EPS (TTM)0.60
Dividend per share2.47
Ex-div date28 Feb 2025
Next earnings date23 Apr 2025

Downside potential

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Downside potential data
PFISS&P500
Current price drop from All-time high-30.55%-12.89%
Highest price drop-58.13%-56.47%
Date of highest drop8 May 20099 Mar 2009
Avg drop from high-21.55%-11.07%
Avg time to new high69 days12 days
Max time to new high1381 days1805 days

iO Charts is a Seeking Alpha partner

iO Charts is a Seeking Alpha partner

COMPANY DETAILS
PFIS (Peoples Fin) company logo
Marketcap
407.88M
Marketcap category
Small-cap
Description
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.
Employees
375
Investor relations
-
SEC filings
CEO
Craig W. Best
Country
USA
City
Scranton
Stock type
Common stock
CCC status
Dividend Challenger
Dividend Frequency
Quarterly
EVENTS AND PRESENTATIONS
EventsPresentations
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iO Charts is a Seeking Alpha partner

iO Charts is a Seeking Alpha partner

UNDERSTAND THE BUSINESS
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