PFIS (Peoples Financial Services) Effective Interest Rate on Debt % : 63.21% (As of Dec. 2024)

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What is Peoples Financial Services Effective Interest Rate on Debt %?

Effective Interest Rate on Debt % is the usage rate that a borrower actually pays on a debt. It is calculated as the positive value of Interest Expense divided by its average total debt. Total debt equals to Long-Term Debt & Capital Lease Obligation plus Short-Term Debt & Capital Lease Obligation. Peoples Financial Services's annualized positive value of Interest Expense for the quarter that ended in Dec. 2024 was $109.2 Mil. Peoples Financial Services's average total debt for the quarter that ended in Dec. 2024 was $172.7 Mil. Therefore, Peoples Financial Services's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2024 was 63.21%.

Peoples Financial Services Effective Interest Rate on Debt % Historical Data

The historical data trend for Peoples Financial Services's Effective Interest Rate on Debt % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

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Peoples Financial Services Effective Interest Rate on Debt % Chart

Peoples Financial Services Annual Data

Trend

Dec15

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Effective Interest Rate on Debt %

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10.14

14.12

16.92

56.32

82.60

Peoples Financial Services Quarterly Data
	Mar20	Jun20	Sep20	Dec20	Mar21	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24
Effective Interest Rate on Debt %	Get a 7-Day Free Trial															98.64	102.33	64.73	65.98	63.21

Competitive Comparison of Peoples Financial Services's Effective Interest Rate on Debt %

For the Banks - Regional subindustry, Peoples Financial Services's Effective Interest Rate on Debt %, along with its competitors' market caps and Effective Interest Rate on Debt % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Peoples Financial Services's Effective Interest Rate on Debt % Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Peoples Financial Services's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where Peoples Financial Services's Effective Interest Rate on Debt % falls into.

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Peoples Financial Services Effective Interest Rate on Debt % Calculation

Peoples Financial Services's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Dec. 2024 is calculated as

	Effective Interest Rate on Debt %
=	-1 * Interest Expense	/	( (Total Debt (A: Dec. 2023 )	+	Total Debt (A: Dec. 2024 ))	/ count )
=	-1 * -95.471	/	( (75.59	+	155.576)	/ 2 )
=	-1 * -95.471	/	115.583
=	82.60 %

where

	Total Debt (A: Dec. 2023 )
=	Long-Term Debt & Capital Lease Obligation	+	Short-Term Debt & Capital Lease Obligation
=	58	+	17.59
=	75.59

	Total Debt (A: Dec. 2024 )
=	Long-Term Debt & Capital Lease Obligation	+	Short-Term Debt & Capital Lease Obligation
=	139.676	+	15.9
=	155.576

Peoples Financial Services's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2024 is calculated as

	Effective Interest Rate on Debt %
=	-1 * Interest Expense	/	( (Total Debt (Q: Sep. 2024 )	+	Total Debt (Q: Dec. 2024 ))	/ count )
=	-1 * -109.168	/	( (189.85	+	155.576)	/ 2 )
=	-1 * -109.168	/	172.713
=	63.21 %

where

	Total Debt (Q: Sep. 2024 )
=	Long-Term Debt & Capital Lease Obligation	+	Short-Term Debt & Capital Lease Obligation
=	152.504	+	37.346
=	189.85

	Total Debt (Q: Dec. 2024 )
=	Long-Term Debt & Capital Lease Obligation	+	Short-Term Debt & Capital Lease Obligation
=	139.676	+	15.9
=	155.576

In the calculation of annual Effective Interest Rate on Debt %, the Interest Expense of the last fiscal year and the average total debt over the fiscal year are used. In calculating the quarterly data, the Interest Expense data used here is four times the quarterly (Dec. 2024) interest expense data. Effective Interest Rate on Debt % is displayed in the 30-year financial page.

Peoples Financial Services (NAS:PFIS) Effective Interest Rate on Debt % Explanation

Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.

Peoples Financial Services Effective Interest Rate on Debt % Related Terms

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Peoples Financial Services Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Peoples Financial Services Corp (NAS:PFIS) » Definitions » Effective Interest Rate on Debt %

Comparable Companies

Traded in Other Exchanges

N/A

Address

102 East Drinker Street, Dunmore, PA, USA, 18512

Website

https://www.psbt.com

Peoples Financial Services Corp is a bank holding company operating through its subsidiaries. The bank provides a full range of financial services. Its products and services include checking accounts, business accounts, savings accounts, loan products, money market accounts, mortgages, chip-enabled debit cards, credit card processing, and visa master card and advisory services. Its loan portfolio includes Commercial loans, which consist of commercial, commercial real estate, municipal, and other related tax-free loans; and retail loans, which include residential real estate and other consumer loans. The company mainly operates in the United States in Pennsylvania.

Executives

Locken Richard S Jr	director	50 MAIN STREET, HALLSTEAD PA 18822
Craig W Best	director, officer: President & CEO	C/O PEOPLES SECURITY BANK & TRUST CO., 150 N WASHINGTON AVE, SCRANTON PA 18503
Ronald G Kukuchka	director	PO BOX A, HALLSTEAD PA 18822
Elisa Z Ramirez	director	1225 17TH STREET, SUITE 2600, DENVER CO 80202
Wright Joseph T Jr	director	P.O. BOX A, HALLSTEAD PA 18822
Aubrey William E Ii	director	PO BOX 158, LAPLUME PA 18440
Jeffrey A Drobins	officer: EVP, Chief Lending Officer	C/O PEOPLES SECURITY BANK & TRUST CO., 150 N WASHINGTON AVE, SCRANTON PA 18503
Thomas P Tulaney	officer: Chief Lending Officer	102 E. DRINKER STREET, DUNMORE PA 18512
Sandra Bodnyk	director	NATIONAL PENN BANCSHARES, INC, 645 HAMILTON STREET, ALLENTOWN PA 18101
Susan L Hubble	officer: EVP, Chief Information Officer	C/O PEOPLES SECURITY BANK & TRUST CO., 150 N WASHINGTON AVE, SCRANTON PA 18503
Debra E Dissinger	officer: Executive Vice President	C/O PEOPLES SECURITY BANK & TRUST CO., 150 N WASHINGTON AVE, SCRANTON PA 18503
Joseph Ferretti	officer: Vice President	C/O PEOPLES FINANCIAL SERVICES CORP, 50 MAIN STREET, HALLSTEAD PA 18822
Anderson John R Iii	officer: SVP,Int Prin Accting Officer	150 N WASHINGTON AVE, PENN SECURITY BANK & TRUST CO, SCRANTON PA 18503
Stover George H Jr	director	50 MAIN STREET, HALLSTEAD PA 18822
Cesare Joseph G Md	director	120 OLD ORCHARD RD, CLARKS GREEN PA 18411