Peoples Financial Services Corp. (PFIS) Balance Sheet
PFIS balance sheet, 2025
December 31, 2025 · U.S. dollars$5.27B assets = $4.75B liabilities + $519.8M equity
Both columns are drawn to the same scale: what PFIS owns equals what it owes plus shareholders’ equity. Hover a block for its value.
PFIS financial health
Descriptive bands, not a rating. Fiscal 2025.
PFIS balance sheet trends, 2016–2025
| Metric | Trend | Then | Latest | Change |
|---|---|---|---|---|
| Total assets | $2.00B2016 | $5.27B2025 | +11.4%/yr | |
| Total liabilities | $1.74B2016 | $4.75B2025 | +11.8%/yr | |
| Shareholders’ equity | $256.6M2016 | $519.8M2025 | +8.2%/yr | |
| Cash & short-term investments | $299.4M2016 | $259.7M2025 | −1.6%/yr | |
| Total debt | $140.8M2016 | $258.4M2025 | +7.0%/yr | |
| Net cash (debt) | $158.5M2016 | $1.3M2025 | −$157.3M | |
| Working capital | −$1.37B2016 | $253.9M2025 | +$1.6B | |
| Book value per share | $34.692016 | $51.602025 | +4.5%/yr | |
| Debt / equity | 0.552016 | 0.502025 | −0.05 | |
| Shares outstanding | 7.4M2016 | 10.1M2025 | +3.5%/yr |
Change is the average annual growth (CAGR) or the difference between the first and latest year.
PFIS assets
PFIS liabilities and equity
PFIS debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease obligations.
PFIS balance sheet
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||
| Cash & short-term investments | $259.7M | $323.2M | $441.6M | $515.6M | $554.8M | $341.1M | $361.6M | $302.3M | $310.0M | $299.4M |
| Cash & equivalents | $58.4M | $55.6M | $42.7M | $37.9M | $37.5M | $45.2M | $31.2M | $32.6M | $37.5M | $39.9M |
| Short-term investments | $201.2M | $267.6M | $398.9M | $477.7M | $517.3M | $295.9M | $330.5M | $269.7M | $272.5M | $259.4M |
| Receivables | $17.6M | $15.6M | $12.7M | $11.7M | $8.5M | $8.3M | $7.0M | $7.1M | $6.9M | $6.2M |
| Inventory | $0 | $0 | $20.8M | −$49.7M | −$289.1M | −$237.3M | −$38.6M | $376,000 | −$44.7M | −$46.6M |
| Other current assets | $9.3M | $14.1M | $0 | $55.1M | $289.1M | $237.3M | $38.6M | $0 | $44.7M | $46.6M |
| Total current assets | $286.6M | $352.9M | $463.9M | $532.7M | $563.4M | $349.4M | $368.6M | $309.4M | $317.0M | $305.6M |
| Property, plant & equipment (net) | $78.5M | $73.3M | $61.3M | $55.7M | $51.5M | $47.0M | $47.9M | $38.9M | $37.6M | $33.3M |
| Goodwill & intangible assets | $103.7M | $111.5M | $64.2M | $64.4M | $63.8M | $65.2M | $65.7M | $66.4M | $67.3M | $68.3M |
| Long-term investments | $607.6M | $629.9M | $488.9M | $569.0M | $588.7M | $303.3M | $1.92B | $1.80B | $1.67B | $1.52B |
| Other non-current assets | $4.19B | $3.92B | $2.66B | $2.33B | $2.10B | $2.12B | $76.6M | $70.9M | $74.3M | $75.5M |
| Total assets | $5.27B | $5.09B | $3.74B | $3.55B | $3.37B | $2.88B | $2.48B | $2.29B | $2.17B | $2.00B |
| Liabilities | ||||||||||
| Accounts payable | $6.8M | $5.5M | $5.8M | $903,000 | $408,000 | $736,000 | $1.3M | $1.2M | $497,000 | $462,000 |
| Short-term debt | $32.7M | $15.9M | $17.6M | $114.9M | $2.9M | $50.0M | $152.2M | $86.5M | $123.7M | $82.7M |
| Deferred revenue | — | — | −$5.8M | — | −$2.5M | — | — | −$1.16B | — | — |
| Total current liabilities | $32.7M | $4.43B | $3.30B | $3.16B | $408,000 | $2.49B | $2.12B | $1.96B | $1.84B | $1.67B |
| Long-term debt | $225.7M | $139.7M | $58.0M | $33.0M | $33.0M | $33.0M | $32.7M | $37.9M | $49.7M | $58.1M |
| Lease obligations | — | — | — | — | — | — | — | $0 | $0 | $0 |
| Other long-term liabilities | $4.49B | $54.1M | $41.5M | $42.7M | $2.7M | $46.1M | $18.7M | $9.8M | $11.1M | $12.8M |
| Total liabilities | $4.75B | $4.62B | $3.40B | $3.24B | $3.03B | $2.57B | $2.18B | $2.01B | $1.91B | $1.74B |
| Shareholders' equity | ||||||||||
| Common stock & paid-in capital | $20.0M | $20.0M | $14.1M | $14.3M | $14.3M | $14.4M | $14.8M | $14.8M | $14.8M | $14.8M |
| Retained earnings (deficit) | $273.5M | $239.0M | $248.6M | $230.5M | $203.8M | $171.0M | $152.2M | $136.6M | $121.4M | $111.1M |
| Treasury stock | — | — | — | — | — | — | — | $0 | $0 | $0 |
| Accumulated other comprehensive income | −$24.7M | −$40.7M | −$44.4M | −$56.3M | −$5.5M | $2.1M | −$3.2M | −$8.1M | −$6.2M | −$4.2M |
| Minority interest | — | — | — | — | — | — | — | $0 | $0 | $0 |
| Total shareholders' equity | $519.8M | $468.9M | $340.4M | $315.4M | $340.1M | $316.9M | $299.0M | $279.1M | $265.0M | $256.6M |
| Key figures | ||||||||||
| Total debt | $258.4M | $155.6M | $75.6M | $148.5M | $35.9M | $97.8M | $184.9M | $124.4M | $173.4M | $140.8M |
| Net cash (debt) | $1.3M | $167.6M | $366.0M | $367.1M | $518.9M | $243.3M | $176.7M | $177.9M | $136.6M | $158.5M |
| Working capital | $253.9M | −$4.08B | −$2.84B | −$2.63B | $563.0M | −$2.14B | −$1.76B | −$1.65B | −$1.53B | −$1.37B |
| Tangible book value | $416.2M | $357.5M | $276.2M | $251.0M | $276.3M | $251.7M | $233.3M | $212.7M | $197.7M | $188.3M |
| Book value per share | $51.60 | $54.62 | $47.60 | $43.73 | $47.01 | $43.18 | $40.43 | $37.70 | $35.83 | $34.69 |
| Shares outstanding | 10.1M | 8.6M | 7.2M | 7.2M | 7.2M | 7.3M | 7.4M | 7.4M | 7.4M | 7.4M |
| Current ratio | 8.76 | 0.08 | 0.14 | 0.17 | 1,380.78 | 0.14 | 0.17 | 0.16 | 0.17 | 0.18 |
| Quick ratio | 8.47 | 0.08 | 0.14 | 0.17 | 1,380.78 | 0.14 | 0.17 | 0.16 | 0.17 | 0.18 |
| Debt / equity | 0.50 | 0.33 | 0.22 | 0.47 | 0.11 | 0.31 | 0.62 | 0.45 | 0.65 | 0.55 |
| Equity / assets | 9.9% | 9.2% | 9.1% | 8.9% | 10.1% | 11.0% | 12.1% | 12.2% | 12.2% | 12.8% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||||
| Cash & short-term investments | $74.9M | $59.5M | $259.7M | $375.0M | $350.4M | $328.4M | $323.2M | $669.9M | $435.2M | $434.7M | $441.6M | $431.1M |
| Cash & equivalents | $74.9M | $59.5M | $58.4M | $71.6M | $69.8M | $69.3M | $55.6M | $107.4M | $50.0M | $40.3M | $42.7M | $48.8M |
| Short-term investments | $225.4M | $234.6M | $201.2M | $303.4M | $280.6M | $259.1M | $267.6M | $562.5M | $385.2M | $394.4M | $398.9M | $382.2M |
| Receivables | $17.8M | $18.0M | $17.6M | $17.0M | $15.9M | $16.4M | $15.6M | $18.0M | $18.3M | $13.6M | $12.7M | $12.8M |
| Inventory | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $27.9M | −$115.3M | $20.8M | −$275.4M |
| Other current assets | $0 | $0 | $0 | $15.7M | $15.8M | $15.0M | $14.1M | $13.3M | $0 | $125.2M | $0 | $283.6M |
| Total current assets | $92.7M | $77.5M | $76.1M | $407.7M | $382.1M | $359.8M | $352.9M | $701.2M | $463.4M | $458.2M | $463.9M | $452.0M |
| Property, plant & equipment (net) | $79.5M | $79.2M | $78.5M | $77.0M | $76.9M | $72.5M | $73.3M | $75.9M | $58.6M | $59.1M | $61.3M | $61.9M |
| Goodwill & intangible assets | $100.6M | $102.1M | $103.7M | $106.4M | $108.0M | $109.7M | $111.5M | $113.7M | $64.2M | $64.2M | $64.2M | $64.3M |
| Long-term investments | $559.1M | $573.3M | $607.6M | $631.4M | $604.2M | $603.8M | $629.9M | $662.0M | $471.8M | $482.7M | $488.9M | $468.6M |
| Other non-current assets | $4.61B | $4.59B | $4.40B | $3.94B | $3.94B | $3.85B | $3.92B | $3.81B | $2.56B | $2.60B | $2.66B | $2.78B |
| Total assets | $5.44B | $5.42B | $5.27B | $5.16B | $5.11B | $5.00B | $5.09B | $5.36B | $3.62B | $3.67B | $3.74B | $3.83B |
| Liabilities | ||||||||||||
| Accounts payable | $4.7M | $7.9M | $6.8M | $8.0M | $4.6M | $5.4M | $5.5M | $6.8M | $5.5M | $5.3M | $5.8M | $4.8M |
| Short-term debt | $85.3M | $179.3M | $32.7M | $76.3M | $76.3M | $14.8M | $15.9M | $37.3M | $104.2M | $20.3M | $17.6M | $27.0M |
| Deferred revenue | — | — | — | — | — | — | — | — | −$5.5M | −$5.3M | −$5.8M | — |
| Total current liabilities | $85.3M | $179.3M | $32.7M | $4.37B | $4.37B | $4.34B | $4.43B | $4.68B | $3.17B | $3.23B | $3.30B | $3.40B |
| Long-term debt | $246.1M | $226.2M | $225.7M | $228.3M | $194.7M | $129.5M | $139.7M | $152.5M | $58.0M | $58.0M | $58.0M | $58.0M |
| Other long-term liabilities | $4.57B | $4.49B | $4.49B | $48.1M | $50.8M | $50.8M | $54.1M | $50.5M | $42.5M | $41.6M | $41.5M | $46.5M |
| Total liabilities | $4.90B | $4.90B | $4.75B | $4.65B | $4.61B | $4.52B | $4.62B | $4.89B | $3.28B | $3.33B | $3.40B | $3.50B |
| Shareholders' equity | ||||||||||||
| Common stock & paid-in capital | $20.1M | $20.0M | $20.0M | $20.0M | $20.0M | $20.0M | $20.0M | $20.0M | $14.1M | $14.1M | $14.1M | $14.1M |
| Retained earnings (deficit) | $290.6M | $282.0M | $273.5M | $267.7M | $258.6M | $247.8M | $239.0M | $239.0M | $249.5M | $249.1M | $248.6M | $247.9M |
| Accumulated other comprehensive income | −$25.6M | −$27.6M | −$24.7M | −$29.2M | −$35.0M | −$36.5M | −$40.7M | −$34.5M | −$45.3M | −$45.4M | −$44.4M | −$59.4M |
| Total shareholders' equity | $536.2M | $525.5M | $519.8M | $509.3M | $494.1M | $481.9M | $468.9M | $475.1M | $340.8M | $340.0M | $340.4M | $324.4M |
| Key figures | ||||||||||||
| Total debt | $239.8M | $314.1M | $167.1M | $304.6M | $271.0M | $144.3M | $155.6M | $189.8M | $162.2M | $78.3M | $75.6M | $85.0M |
| Net cash (debt) | −$164.9M | −$254.6M | $92.6M | $70.5M | $79.4M | $184.1M | $167.6M | $480.0M | $272.9M | $356.4M | $366.0M | $346.0M |
| Working capital | $7.4M | −$101.9M | $43.3M | −$3.97B | −$3.99B | −$3.98B | −$4.08B | −$3.98B | −$2.71B | −$2.77B | −$2.84B | −$2.94B |
| Tangible book value | $435.6M | $423.4M | $416.2M | $402.8M | $386.1M | $372.1M | $357.5M | $361.4M | $276.6M | $275.8M | $276.2M | $260.1M |
| Book value per share | $53.43 | $52.40 | $51.56 | $50.49 | $49.01 | $47.98 | $46.66 | $47.30 | $47.91 | $47.87 | $48.01 | $45.56 |
| Shares outstanding | 10.0M | 10.0M | 10.1M | 10.1M | 10.1M | 10.0M | 10.1M | 10.0M | 7.1M | 7.1M | 7.1M | 7.1M |
| Current ratio | 1.09 | 0.43 | 2.32 | 0.09 | 0.09 | 0.08 | 0.08 | 0.15 | 0.15 | 0.14 | 0.14 | 0.13 |
| Quick ratio | 1.09 | 0.43 | 8.47 | 0.09 | 0.08 | 0.08 | 0.08 | 0.15 | 0.14 | 0.14 | 0.14 | 0.13 |
| Debt / equity | 0.45 | 0.60 | 0.32 | 0.60 | 0.55 | 0.30 | 0.33 | 0.40 | 0.48 | 0.23 | 0.22 | 0.26 |
| Equity / assets | 9.9% | 9.7% | 9.9% | 9.9% | 9.7% | 9.6% | 9.2% | 8.9% | 9.4% | 9.3% | 9.1% | 8.5% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported (latest annual report filed March 16, 2026); data from EODHD.
PFIS financial position
At the end of fiscal 2025 (December 31, 2025), Peoples Financial Services had total assets of $5.3 billion (up 3.5% from a year earlier), total liabilities of $4.8 billion and shareholders' equity of $519.8 million. It held $259.7 million in cash and short-term investments against $258.4 million of debt, a net cash position of $1.3 million. Its current ratio was 8.76. In the latest quarter (ended June 30, 2026) total assets were $5.4 billion and equity $536.2 million.
Related: PFIS income statement, PFIS cash flow statement, PFIS key metrics. See the PFIS stock overview for the latest quote and news.
PFIS balance sheet FAQ
What are Peoples Financial Services's total assets?
Peoples Financial Services reported total assets of $5.3 billion at the end of fiscal 2025 (December 31, 2025), compared with $5.1 billion a year earlier.
How much debt does Peoples Financial Services have?
Peoples Financial Services had $258.4 million of total debt at the end of fiscal 2025, including short-term borrowings. Its debt-to-equity ratio was 0.50.
How much cash does Peoples Financial Services have?
Peoples Financial Services held $259.7 million in cash and short-term investments at the end of fiscal 2025; with $258.4 million of debt that is net cash of $1.3 million.
What is Peoples Financial Services's book value?
Peoples Financial Services's shareholders' equity (book value) was $519.8 million at the end of fiscal 2025, or $51.60 per share.
What is Peoples Financial Services's current ratio?
Peoples Financial Services had current assets of $286.6 million and current liabilities of $32.7 million, a current ratio of 8.76 (it can cover its short-term obligations).
How much goodwill does Peoples Financial Services have?
Peoples Financial Services carried $103.7 million of goodwill and intangible assets, 2.0% of total assets, at the end of fiscal 2025.