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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 4/10

vs
industry
vs
history
Cash to Debt 1.27
PFIS's Cash to Debt is ranked higher than
76% of the 1365 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. PFIS: 1.27 )
PFIS' s 10-Year Cash to Debt Range
Min: 0.08   Max: No Debt
Current: 1.27

Equity to Asset 0.14
PFIS's Equity to Asset is ranked higher than
90% of the 1753 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. PFIS: 0.14 )
PFIS' s 10-Year Equity to Asset Range
Min: 0.08   Max: 0.14
Current: 0.14

0.08
0.14
Interest Coverage 1.49
PFIS's Interest Coverage is ranked higher than
71% of the 1622 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. PFIS: 1.49 )
PFIS' s 10-Year Interest Coverage Range
Min: 0.34   Max: 2.55
Current: 1.49

0.34
2.55
F-Score: 3
Z-Score: 0.29
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry
vs
history
Operating margin (%) 20.06
PFIS's Operating margin (%) is ranked higher than
58% of the 1776 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 28.81 vs. PFIS: 20.06 )
PFIS' s 10-Year Operating margin (%) Range
Min: -304.1   Max: 50.41
Current: 20.06

-304.1
50.41
Net-margin (%) 16.26
PFIS's Net-margin (%) is ranked higher than
61% of the 1783 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.59 vs. PFIS: 16.26 )
PFIS' s 10-Year Net-margin (%) Range
Min: 12.72   Max: 245.67
Current: 16.26

12.72
245.67
ROE (%) 6.10
PFIS's ROE (%) is ranked higher than
65% of the 1790 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.54 vs. PFIS: 6.10 )
PFIS' s 10-Year ROE (%) Range
Min: 3.08   Max: 19.12
Current: 6.1

3.08
19.12
ROA (%) 0.84
PFIS's ROA (%) is ranked higher than
74% of the 1790 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.79 vs. PFIS: 0.84 )
PFIS' s 10-Year ROA (%) Range
Min: 0.44   Max: 1.78
Current: 0.84

0.44
1.78
ROC (Joel Greenblatt) (%) 66.97
PFIS's ROC (Joel Greenblatt) (%) is ranked higher than
72% of the 1757 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 72.81 vs. PFIS: 66.97 )
PFIS' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -221   Max: 92.03
Current: 66.97

-221
92.03
Revenue Growth (%) 8.50
PFIS's Revenue Growth (%) is ranked higher than
90% of the 1555 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. PFIS: 8.50 )
PFIS' s 10-Year Revenue Growth (%) Range
Min: -1.2   Max: 111.3
Current: 8.5

-1.2
111.3
EBITDA Growth (%) -20.20
PFIS's EBITDA Growth (%) is ranked higher than
56% of the 1398 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. PFIS: -20.20 )
PFIS' s 10-Year EBITDA Growth (%) Range
Min: -20.2   Max: 35.7
Current: -20.2

-20.2
35.7
EPS Growth (%) -16.30
PFIS's EPS Growth (%) is ranked higher than
58% of the 1407 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. PFIS: -16.30 )
PFIS' s 10-Year EPS Growth (%) Range
Min: -16.3   Max: 34.5
Current: -16.3

-16.3
34.5
» PFIS's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

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Ratios

vs
industry
vs
history
P/E(ttm) 31.10
PFIS's P/E(ttm) is ranked higher than
60% of the 1927 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.50 vs. PFIS: 31.10 )
PFIS' s 10-Year P/E(ttm) Range
Min: 10.51   Max: 33.58
Current: 31.1

10.51
33.58
P/B 1.50
PFIS's P/B is ranked higher than
63% of the 1927 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. PFIS: 1.50 )
PFIS' s 10-Year P/B Range
Min: 0.45   Max: 2.99
Current: 1.5

0.45
2.99
P/S 5.09
PFIS's P/S is ranked higher than
58% of the 1927 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.97 vs. PFIS: 5.09 )
PFIS' s 10-Year P/S Range
Min: 2.69   Max: 8.85
Current: 5.09

2.69
8.85
PFCF 36.45
PFIS's PFCF is ranked higher than
71% of the 1927 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 98.89 vs. PFIS: 36.45 )
PFIS' s 10-Year PFCF Range
Min: 6.05   Max: 80.88
Current: 36.45

6.05
80.88
EV-to-EBIT 33.33
PFIS's EV-to-EBIT is ranked higher than
63% of the 1927 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.23 vs. PFIS: 33.33 )
PFIS' s 10-Year EV-to-EBIT Range
Min: 6.4   Max: 56
Current: 33.33

6.4
56
Shiller P/E 23.78
PFIS's Shiller P/E is ranked higher than
78% of the 1927 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 27.04 vs. PFIS: 23.78 )
PFIS' s 10-Year Shiller P/E Range
Min: 11.09   Max: 26.32
Current: 23.78

11.09
26.32

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.40
PFIS's Dividend Yield is ranked higher than
51% of the 1505 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.44 vs. PFIS: 2.40 )
PFIS' s 10-Year Dividend Yield Range
Min: 1.7   Max: 4.54
Current: 2.4

1.7
4.54
Dividend Payout 0.81
PFIS's Dividend Payout is ranked higher than
55% of the 1927 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.47 vs. PFIS: 0.81 )
PFIS' s 10-Year Dividend Payout Range
Min: 0.27   Max: 6.83
Current: 0.81

0.27
6.83
Dividend growth (3y) 5.20
PFIS's Dividend growth (3y) is ranked higher than
77% of the 1053 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.60 vs. PFIS: 5.20 )
PFIS' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 82.5
Current: 5.2

0
82.5
Yield on cost (5-Year) 2.61
PFIS's Yield on cost (5-Year) is ranked lower than
51% of the 1518 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.80 vs. PFIS: 2.61 )
PFIS' s 10-Year Yield on cost (5-Year) Range
Min: 1.85   Max: 4.94
Current: 2.61

1.85
4.94
Share Buyback Rate -14.60
PFIS's Share Buyback Rate is ranked higher than
57% of the 1327 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. PFIS: -14.60 )
PFIS' s 10-Year Share Buyback Rate Range
Min: 1.1   Max: -14.6
Current: -14.6

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.09
PFIS's Price/Tangible Book is ranked higher than
60% of the 1927 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.32 vs. PFIS: 2.09 )
PFIS' s 10-Year Price/Tangible Book Range
Min: 0.7   Max: 3.13
Current: 2.09

0.7
3.13
Price/DCF (Projected) 1.27
PFIS's Price/DCF (Projected) is ranked higher than
70% of the 1927 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.03 vs. PFIS: 1.27 )
PFIS' s 10-Year Price/DCF (Projected) Range
Min: 0.58   Max: 2.03
Current: 1.27

0.58
2.03
Price/Median PS Value 1.25
PFIS's Price/Median PS Value is ranked higher than
64% of the 1927 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.08 vs. PFIS: 1.25 )
PFIS' s 10-Year Price/Median PS Value Range
Min: 0.67   Max: 10.24
Current: 1.25

0.67
10.24
Price/Graham Number 1.92
PFIS's Price/Graham Number is ranked higher than
60% of the 1927 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. PFIS: 1.92 )
PFIS' s 10-Year Price/Graham Number Range
Min: 0.71   Max: 2.04
Current: 1.92

0.71
2.04
Earnings Yield (Greenblatt) 3.00
PFIS's Earnings Yield (Greenblatt) is ranked higher than
56% of the 1692 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.00 vs. PFIS: 3.00 )
PFIS' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.8   Max: 15.6
Current: 3

1.8
15.6
Forward Rate of Return (Yacktman) 7.19
PFIS's Forward Rate of Return (Yacktman) is ranked higher than
64% of the 1423 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.24 vs. PFIS: 7.19 )
PFIS' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -6.4   Max: 33.3
Current: 7.19

-6.4
33.3

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Peoples Financial Services Corporation was incorporated in 1986 under the laws of Pennsylvania. The company operates as the holding company for Peoples Neighborhood Bank that provides commercial and retail banking services to individuals, businesses, non-profit entities, and government authorities in Pennsylvania and New York. Its deposit products include checking accounts, individual retirement accounts, money market accounts, NOW accounts, savings accounts, and certificates of deposit. The company's loan products portfolio comprises commercial real estate loans, working capital loans, equipment and other commercial loans, construction loans, small business administration guaranteed loans, and agricultural loans; and consumer loans, such as residential real estate loans, automobile loans, manufactured housing loans, personal installment loans, student loans, home equity loans, and credit cards. It also offers various services, including automated teller machine, point of sale, cash management, remote deposit capture, and automated clearing house origination, as well as safe deposit boxes, night depository, merchant credit cards, direct deposit of payroll and other checks, the U.S. savings bonds, official bank checks, and money orders. Peoples Financial services its individual and commercial customers through 11 full-service community banking offices located in the Lackawanna, Susquehanna, and Wyoming counties of Northern Pennsylvania; and Broome county of Southern New York. The company, through its other subsidiary, Peoples Wealth Management LLC, also provides investment advisory services to the general public.
» More Articles for PFIS

Headlines

Articles On GuruFocus.com
(PFIS) CFO Scott A Seasock buys 2,500 Shares Mar 01 2011 

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PEOPLES FINANCIAL SERVICES CORP. Reports First Quarter 2014 Earnings Apr 25 2014
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Peoples Financial Services Corp. Announces NASDAQ Listing Mar 31 2014
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Peoples Financial Services Corp. Reports Earnings Feb 12 2014
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Peoples Financial Services Corp. Declares Cash Dividend Jan 31 2014
PEOPLES FINANCIAL SERVICES CORP. Files SEC form 8-K, Regulation FD Disclosure, Financial Statements... Jan 31 2014
Peoples Financial Services Corp. Completes Merger with Penseco Financial Services Corporation Dec 02 2013

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