Switch to:

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 0.62
PFIS's Cash to Debt is ranked lower than
63% of the 984 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.36 vs. PFIS: 0.62 )
Ranked among companies with meaningful Cash to Debt only.
PFIS' s 10-Year Cash to Debt Range
Min: 0.08  Med: 0.17 Max: N/A
Current: 0.62
Equity to Asset 0.14
PFIS's Equity to Asset is ranked higher than
80% of the 1355 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. PFIS: 0.14 )
Ranked among companies with meaningful Equity to Asset only.
PFIS' s 10-Year Equity to Asset Range
Min: 0.08  Med: 0.10 Max: 0.15
Current: 0.14
0.08
0.15
Interest Coverage 3.48
PFIS's Interest Coverage is ranked higher than
71% of the 1272 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.60 vs. PFIS: 3.48 )
Ranked among companies with meaningful Interest Coverage only.
PFIS' s 10-Year Interest Coverage Range
Min: 0.34  Med: 0.81 Max: 3.48
Current: 3.48
0.34
3.48
F-Score: 5
WACC vs ROIC
5.02%
7.45%
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 (%) 34.23
PFIS's Operating margin (%) is ranked higher than
60% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.25 vs. PFIS: 34.23 )
Ranked among companies with meaningful Operating margin (%) only.
PFIS' s 10-Year Operating margin (%) Range
Min: -304.1  Med: 31.55 Max: 50.41
Current: 34.23
-304.1
50.41
Net-margin (%) 26.18
PFIS's Net-margin (%) is ranked higher than
64% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.01 vs. PFIS: 26.18 )
Ranked among companies with meaningful Net-margin (%) only.
PFIS' s 10-Year Net-margin (%) Range
Min: 12.72  Med: 29.17 Max: 245.67
Current: 26.18
12.72
245.67
ROE (%) 7.72
PFIS's ROE (%) is ranked lower than
55% of the 1427 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.44 vs. PFIS: 7.72 )
Ranked among companies with meaningful ROE (%) only.
PFIS' s 10-Year ROE (%) Range
Min: 3.08  Med: 11.92 Max: 19.12
Current: 7.72
3.08
19.12
ROA (%) 1.10
PFIS's ROA (%) is ranked higher than
66% of the 1436 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. PFIS: 1.10 )
Ranked among companies with meaningful ROA (%) only.
PFIS' s 10-Year ROA (%) Range
Min: 0.44  Med: 1.21 Max: 1.78
Current: 1.1
0.44
1.78
Revenue Growth (3Y)(%) -1.60
PFIS's Revenue Growth (3Y)(%) is ranked lower than
69% of the 1215 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. PFIS: -1.60 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
PFIS' s 10-Year Revenue Growth (3Y)(%) Range
Min: -1.6  Med: 10.10 Max: 111.3
Current: -1.6
-1.6
111.3
EBITDA Growth (3Y)(%) 0.30
PFIS's EBITDA Growth (3Y)(%) is ranked lower than
71% of the 1072 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. PFIS: 0.30 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
PFIS' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -20.5  Med: 2.10 Max: 35.7
Current: 0.3
-20.5
35.7
EPS Growth (3Y)(%) -0.40
PFIS's EPS Growth (3Y)(%) is ranked lower than
73% of the 1070 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.60 vs. PFIS: -0.40 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
PFIS' s 10-Year EPS Growth (3Y)(%) Range
Min: -16.3  Med: 7.10 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

Insider Trades

Latest Guru Trades with PFIS

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

No Entry found in the selected group of Gurus. You can
  • 1. Modify your Personalized List of Gurus, or
  • 2. Click on Premium Premium Tools above to check out all the Gurus, or
  • 3. Click on Premium Plus Premium Plus above for the stocks picks of all the institutional investment advisors (>4000)
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 13.88
PFIS's P/E(ttm) is ranked lower than
56% of the 1293 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.10 vs. PFIS: 13.88 )
Ranked among companies with meaningful P/E(ttm) only.
PFIS' s 10-Year P/E(ttm) Range
Min: 10.51  Med: 17.37 Max: 42.46
Current: 13.88
10.51
42.46
PE(NRI) 14.10
PFIS's PE(NRI) is ranked lower than
55% of the 1291 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.20 vs. PFIS: 14.10 )
Ranked among companies with meaningful PE(NRI) only.
PFIS' s 10-Year PE(NRI) Range
Min: 10.54  Med: 17.37 Max: 42.59
Current: 14.1
10.54
42.59
P/B 1.05
PFIS's P/B is ranked lower than
52% of the 1370 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.06 vs. PFIS: 1.05 )
Ranked among companies with meaningful P/B only.
PFIS' s 10-Year P/B Range
Min: 1.03  Med: 1.63 Max: 2.99
Current: 1.05
1.03
2.99
P/S 3.64
PFIS's P/S is ranked lower than
69% of the 1409 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.86 vs. PFIS: 3.64 )
Ranked among companies with meaningful P/S only.
PFIS' s 10-Year P/S Range
Min: 2.69  Med: 4.09 Max: 8.85
Current: 3.64
2.69
8.85
PFCF 15.64
PFIS's PFCF is ranked lower than
72% of the 863 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.51 vs. PFIS: 15.64 )
Ranked among companies with meaningful PFCF only.
PFIS' s 10-Year PFCF Range
Min: 6.05  Med: 16.77 Max: 80.88
Current: 15.64
6.05
80.88
POCF 13.58
PFIS's POCF is ranked lower than
74% of the 956 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.00 vs. PFIS: 13.58 )
Ranked among companies with meaningful POCF only.
PFIS' s 10-Year POCF Range
Min: 5.12  Med: 14.17 Max: 38.19
Current: 13.58
5.12
38.19
EV-to-EBIT 11.47
PFIS's EV-to-EBIT is ranked higher than
60% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.41 vs. PFIS: 11.47 )
Ranked among companies with meaningful EV-to-EBIT only.
PFIS' s 10-Year EV-to-EBIT Range
Min: 6.4  Med: 22.25 Max: 45.3
Current: 11.47
6.4
45.3
Shiller P/E 15.71
PFIS's Shiller P/E is ranked lower than
52% of the 786 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.81 vs. PFIS: 15.71 )
Ranked among companies with meaningful Shiller P/E only.
PFIS' s 10-Year Shiller P/E Range
Min: 11.09  Med: 16.76 Max: 26.46
Current: 15.71
11.09
26.46
Days Sales Outstanding 27.56
PFIS's Days Sales Outstanding is ranked higher than
62% of the 795 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 34.20 vs. PFIS: 27.56 )
Ranked among companies with meaningful Days Sales Outstanding only.
PFIS' s 10-Year Days Sales Outstanding Range
Min: 23.92  Med: 49.33 Max: 511.52
Current: 27.56
23.92
511.52

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.52
PFIS's Dividend Yield is ranked higher than
63% of the 2258 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.76 vs. PFIS: 3.52 )
Ranked among companies with meaningful Dividend Yield only.
PFIS' s 10-Year Dividend Yield Range
Min: 1.7  Med: 2.81 Max: 4.54
Current: 3.52
1.7
4.54
Dividend Payout 0.49
PFIS's Dividend Payout is ranked lower than
72% of the 1330 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. PFIS: 0.49 )
Ranked among companies with meaningful Dividend Payout only.
PFIS' s 10-Year Dividend Payout Range
Min: 0.27  Med: 0.41 Max: 6.83
Current: 0.49
0.27
6.83
Dividend growth (3y) 15.70
PFIS's Dividend growth (3y) is ranked higher than
70% of the 674 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. PFIS: 15.70 )
Ranked among companies with meaningful Dividend growth (3y) only.
PFIS' s 10-Year Dividend growth (3y) Range
Min: 0  Med: 1.40 Max: 82.5
Current: 15.7
0
82.5
Yield on cost (5-Year) 5.17
PFIS's Yield on cost (5-Year) is ranked higher than
71% of the 2253 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.23 vs. PFIS: 5.17 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
PFIS' s 10-Year Yield on cost (5-Year) Range
Min: 2.5  Med: 4.13 Max: 6.67
Current: 5.17
2.5
6.67
Share Buyback Rate -19.20
PFIS's Share Buyback Rate is ranked lower than
87% of the 1013 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. PFIS: -19.20 )
Ranked among companies with meaningful Share Buyback Rate only.
PFIS' s 10-Year Share Buyback Rate Range
Min: 1.1  Med: 0.20 Max: -19.2
Current: -19.2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.46
PFIS's Price/Tangible Book is ranked lower than
70% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. PFIS: 1.46 )
Ranked among companies with meaningful Price/Tangible Book only.
PFIS' s 10-Year Price/Tangible Book Range
Min: 1.24  Med: 1.86 Max: 3.13
Current: 1.46
1.24
3.13
Price/Projected FCF 0.87
PFIS's Price/Projected FCF is ranked lower than
72% of the 805 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.65 vs. PFIS: 0.87 )
Ranked among companies with meaningful Price/Projected FCF only.
PFIS' s 10-Year Price/Projected FCF Range
Min: 0.58  Med: 0.92 Max: 2.03
Current: 0.87
0.58
2.03
Price/Median PS Value 0.89
PFIS's Price/Median PS Value is ranked higher than
73% of the 1310 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. PFIS: 0.89 )
Ranked among companies with meaningful Price/Median PS Value only.
PFIS' s 10-Year Price/Median PS Value Range
Min: 0.67  Med: 1.14 Max: 10.24
Current: 0.89
0.67
10.24
Price/Graham Number 0.95
PFIS's Price/Graham Number is ranked lower than
65% of the 1181 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.82 vs. PFIS: 0.95 )
Ranked among companies with meaningful Price/Graham Number only.
PFIS' s 10-Year Price/Graham Number Range
Min: 0.71  Med: 1.20 Max: 2.14
Current: 0.95
0.71
2.14
Earnings Yield (Greenblatt) (%) 8.74
PFIS's Earnings Yield (Greenblatt) (%) is ranked higher than
64% of the 1408 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. PFIS: 8.74 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
PFIS' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 2.2  Med: 4.50 Max: 15.6
Current: 8.74
2.2
15.6
Forward Rate of Return (Yacktman) (%) 1.14
PFIS's Forward Rate of Return (Yacktman) (%) is ranked lower than
76% of the 792 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.82 vs. PFIS: 1.14 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
PFIS' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -5.6  Med: 4.70 Max: 32.5
Current: 1.14
-5.6
32.5

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 

More From Other Websites
Peoples Financial Services Corp. Earnings Q2, 2015 Aug 27 2015
PEOPLES FINANCIAL SERVICES CORP. Financials Aug 20 2015
10-Q for Peoples Financial Services Corp. Aug 10 2015
PEOPLES FINANCIAL SERVICES CORP. Files SEC form 10-Q, Quarterly Report Aug 07 2015
Peoples Financial Services Corp. Declares Third Quarter 2015 Dividend Jul 31 2015
PEOPLES FINANCIAL SERVICES CORP. Files SEC form 8-K, Results of Operations and Financial Condition,... Jul 21 2015
Peoples Financial Services posts 2Q profit Jul 21 2015
Peoples Financial Services posts 2Q profit Jul 21 2015
Peoples Financial Services Corp. Reports Second Quarter 2015 Earnings Jul 21 2015
PEOPLES FINANCIAL SERVICES CORP. Files SEC form 8-K, Submission of Matters to a Vote of Security... May 12 2015
Peoples Financial Services Corp. Holds Annual Stockholders Meeting May 12 2015
PEOPLES FINANCIAL SERVICES CORP. Files SEC form 10-Q, Quarterly Report May 08 2015
Insider Buying Steady as Earnings Season Begins to Wind Down May 02 2015
Peoples Financial Services Corp. Declares Second Quarter 2015 Dividend Apr 24 2015
Peoples Financial Services posts 1Q profit Apr 22 2015
Peoples Financial Services posts 1Q profit Apr 22 2015
Peoples Financial Services Corp. Reports First Quarter 2015 Earnings Apr 22 2015
PEOPLES FINANCIAL SERVICES CORP. Files SEC form 8-K, Results of Operations and Financial Condition,... Apr 21 2015
PEOPLES FINANCIAL SERVICES CORP. Files SEC form 10-K, Annual Report Mar 16 2015
PEOPLES FINANCIAL SERVICES CORP. Reports Fourth Quarter 2014 Earnings Feb 03 2015

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)
FEEDBACK