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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 : 5/10

vs
industry
vs
history
Cash to Debt 0.60
PFIS's Cash to Debt is ranked higher than
65% of the 1688 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.58 vs. PFIS: 0.60 )
PFIS' s 10-Year Cash to Debt Range
Min: 0.1   Max: 0.9
Current: 0.6

0.1
0.9
Equity to Asset 0.14
PFIS's Equity to Asset is ranked higher than
88% of the 2260 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 3.48
PFIS's Interest Coverage is ranked higher than
84% of the 2143 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.23 vs. PFIS: 3.48 )
PFIS' s 10-Year Interest Coverage Range
Min: 0.34   Max: 3.48
Current: 3.48

0.34
3.48
F-Score: 4
Z-Score: 0.30
WACC vs ROIC
4.30%
7.05%
WACC
ROIC
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 (%) 32.35
PFIS's Operating margin (%) is ranked higher than
77% of the 2333 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.19 vs. PFIS: 32.35 )
PFIS' s 10-Year Operating margin (%) Range
Min: -304.1   Max: 50.41
Current: 32.35

-304.1
50.41
Net-margin (%) 24.77
PFIS's Net-margin (%) is ranked higher than
79% of the 2333 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.29 vs. PFIS: 24.77 )
PFIS' s 10-Year Net-margin (%) Range
Min: 12.72   Max: 245.67
Current: 24.77

12.72
245.67
ROE (%) 7.32
PFIS's ROE (%) is ranked higher than
69% of the 2336 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.96 vs. PFIS: 7.32 )
PFIS' s 10-Year ROE (%) Range
Min: 3.08   Max: 14.97
Current: 7.32

3.08
14.97
ROA (%) 1.04
PFIS's ROA (%) is ranked higher than
81% of the 2341 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. PFIS: 1.04 )
PFIS' s 10-Year ROA (%) Range
Min: 0.44   Max: 1.6
Current: 1.04

0.44
1.6
ROC (Joel Greenblatt) (%) 91.47
PFIS's ROC (Joel Greenblatt) (%) is ranked higher than
76% of the 2305 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 88.52 vs. PFIS: 91.47 )
PFIS' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -221   Max: 92.03
Current: 91.47

-221
92.03
Revenue Growth (3Y)(%) 16.30
PFIS's Revenue Growth (3Y)(%) is ranked higher than
94% of the 1994 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. PFIS: 16.30 )
PFIS' s 10-Year Revenue Growth (3Y)(%) Range
Min: -1.2   Max: 111.3
Current: 16.3

-1.2
111.3
EBITDA Growth (3Y)(%) 8.20
PFIS's EBITDA Growth (3Y)(%) is ranked higher than
75% of the 1809 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.50 vs. PFIS: 8.20 )
PFIS' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -20.2   Max: 25.8
Current: 8.2

-20.2
25.8
EPS Growth (3Y)(%) -0.40
PFIS's EPS Growth (3Y)(%) is ranked higher than
63% of the 1825 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. PFIS: -0.40 )
PFIS' s 10-Year EPS Growth (3Y)(%) Range
Min: -16.3   Max: 34.5
Current: -0.4

-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) 17.30
PFIS's P/E(ttm) is ranked higher than
70% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.60 vs. PFIS: 17.30 )
PFIS' s 10-Year P/E(ttm) Range
Min: 10.51   Max: 225.29
Current: 17.3

10.51
225.29
PE(NRI) 17.80
PFIS's PE(NRI) is ranked higher than
73% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.30 vs. PFIS: 17.80 )
PFIS' s 10-Year PE(NRI) Range
Min: 10.56   Max: 230.59
Current: 17.8

10.56
230.59
P/B 1.30
PFIS's P/B is ranked higher than
68% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.40 vs. PFIS: 1.30 )
PFIS' s 10-Year P/B Range
Min: 1.09   Max: 2.99
Current: 1.3

1.09
2.99
P/S 4.25
PFIS's P/S is ranked higher than
52% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.75 vs. PFIS: 4.25 )
PFIS' s 10-Year P/S Range
Min: 2.72   Max: 8.85
Current: 4.25

2.72
8.85
PFCF 15.80
PFIS's PFCF is ranked higher than
77% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. PFIS: 15.80 )
PFIS' s 10-Year PFCF Range
Min: 6.05   Max: 178.18
Current: 15.8

6.05
178.18
POCF 15.22
PFIS's POCF is ranked higher than
77% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 79.62 vs. PFIS: 15.22 )
PFIS' s 10-Year POCF Range
Min: 5.12   Max: 130.67
Current: 15.22

5.12
130.67
EV-to-EBIT 14.44
PFIS's EV-to-EBIT is ranked higher than
78% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.51 vs. PFIS: 14.44 )
PFIS' s 10-Year EV-to-EBIT Range
Min: 10.7   Max: 45.3
Current: 14.44

10.7
45.3
PEG 59.33
PFIS's PEG is ranked higher than
84% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. PFIS: 59.33 )
PFIS' s 10-Year PEG Range
Min: 0.72   Max: 16.54
Current: 59.33

0.72
16.54
Shiller P/E 21.20
PFIS's Shiller P/E is ranked higher than
83% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. PFIS: 21.20 )
PFIS' s 10-Year Shiller P/E Range
Min: 11.09   Max: 26.59
Current: 21.2

11.09
26.59
Days Sales Outstanding 24.72
PFIS's Days Sales Outstanding is ranked higher than
93% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. PFIS: 24.72 )
PFIS' s 10-Year Days Sales Outstanding Range
Min: 23.92   Max: 511.52
Current: 24.72

23.92
511.52

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.04
PFIS's Dividend Yield is ranked higher than
65% of the 2176 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.43 vs. PFIS: 3.04 )
PFIS' s 10-Year Dividend Yield Range
Min: 0.64   Max: 4.54
Current: 3.04

0.64
4.54
Dividend Payout 0.53
PFIS's Dividend Payout is ranked higher than
69% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.67 vs. PFIS: 0.53 )
PFIS' s 10-Year Dividend Payout Range
Min: 0.09   Max: 1.72
Current: 0.53

0.09
1.72
Dividend growth (3y) 15.70
PFIS's Dividend growth (3y) is ranked higher than
86% of the 1316 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. PFIS: 15.70 )
PFIS' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 82.5
Current: 15.7

0
82.5
Yield on cost (5-Year) 4.41
PFIS's Yield on cost (5-Year) is ranked higher than
73% of the 2185 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.75 vs. PFIS: 4.41 )
PFIS' s 10-Year Yield on cost (5-Year) Range
Min: 0.94   Max: 6.67
Current: 4.41

0.94
6.67
Share Buyback Rate -19.20
PFIS's Share Buyback Rate is ranked higher than
52% of the 1668 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.50 vs. PFIS: -19.20 )
PFIS' s 10-Year Share Buyback Rate Range
Min: 1.1   Max: -19.2
Current: -19.2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.70
PFIS's Price/Tangible Book is ranked higher than
66% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.61 vs. PFIS: 1.70 )
PFIS' s 10-Year Price/Tangible Book Range
Min: 1.24   Max: 3.13
Current: 1.7

1.24
3.13
Price/DCF (Projected) 1.10
PFIS's Price/DCF (Projected) is ranked higher than
79% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. PFIS: 1.10 )
PFIS' s 10-Year Price/DCF (Projected) Range
Min: 0.65   Max: 2.19
Current: 1.1

0.65
2.19
Price/Median PS Value 0.90
PFIS's Price/Median PS Value is ranked higher than
92% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. PFIS: 0.90 )
PFIS' s 10-Year Price/Median PS Value Range
Min: 0.7   Max: 10.24
Current: 0.9

0.7
10.24
Price/Graham Number 1.20
PFIS's Price/Graham Number is ranked higher than
70% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. PFIS: 1.20 )
PFIS' s 10-Year Price/Graham Number Range
Min: 0.8   Max: 1.99
Current: 1.2

0.8
1.99
Earnings Yield (Greenblatt) 7.00
PFIS's Earnings Yield (Greenblatt) is ranked higher than
71% of the 2321 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. PFIS: 7.00 )
PFIS' s 10-Year Earnings Yield (Greenblatt) Range
Min: 2.2   Max: 9.3
Current: 7

2.2
9.3
Forward Rate of Return (Yacktman) -2.07
PFIS's Forward Rate of Return (Yacktman) is ranked higher than
57% of the 1295 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.15 vs. PFIS: -2.07 )
PFIS' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -5.6   Max: 27
Current: -2.07

-5.6
27

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 provides financial services through its wholly-owned subsidiary, Peoples Security Bank and Trust Company, including its subsidiaries, Peoples Advisors, LLC and Penseco Realty, Inc. Its main products are loans to small- and medium-sized businesses. Other lending products include one-to-four family residential mortgages and consumer loans. The Company funds its loans, primarily, by offering open time deposits to commercial enterprises and individuals. Other deposit products include certificates of deposits and various demand deposit accounts. It provides retail and commercial lending products designed to meet the borrowing needs of consumers and small- and medium-sized businesses in its market areas. Its retail lending products include the following types of loans, among others: residential real estate; automobiles; manufactured housing; personal; student; home equity, and credit card. Its commercial lending products include the following types of loans, among others: commercial real estate; working capital; equipment and other commercial needs; construction; Small Business Administration, and agricultural and mineral rights. The Company competes primarily with commercial banks, thrift institutions and credit unions, many of which are substantially larger in terms of assets and available resources. The Company is subject to extensive regulation, supervision and examination by certain state and federal agencies including the Federal Deposit Insurance Corporation, the Board of Governors of the Federal Reserve System and the Pennsylvania Department of Banking and Securities.
» 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. Announces Common Stock Repurchase Plan Feb 03 2015
PEOPLES FINANCIAL SERVICES CORP. Declares Cash Dividend Jan 30 2015
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Peoples Financial Services Corp. Declares 4th Quarter Dividend Nov 07 2014
PEOPLES FINANCIAL SERVICES CORP. Reports Third Quarter 2014 Earnings Nov 07 2014
PEOPLES FINANCIAL SERVICES CORP. Files SEC form 10-Q, Quarterly Report Nov 07 2014
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