Peoples Financial Services Corp. (PFIS) Key Metrics
PFIS valuation today
Trailing 12 months · as of October 18, 2026- Market cap
- $683.7M
- Enterprise value
- $758.6M
- P/E (TTM)
- 12.1 10-yr median 12.9
- Forward P/E
- 15.1
- PEG ratio
- 1.31
- Price / sales
- 3.6 10-yr median 3.2
- Price / book
- 1.3 10-yr median 1.1
- EV / EBITDA
- — 10-yr median 5.9
- Dividend yield
- 3.65% $2.49 a year
- Beta
- 0.73
PFIS key metrics, 2016–2025
Fiscal year ended December 31, 2025 · U.S. dollarsPFIS valuation Price multiples at each fiscal year-end price.
PFIS returns How much profit the business earns on the capital it uses.
PFIS per-share figures Results divided by the shares outstanding at year-end.
PFIS financial health Debt, liquidity and how easily interest is covered.
PFIS efficiency & capital use Working capital cycle and where the cash goes.
PFIS valuation history
PFIS returns on capital
Net income (ROE, ROA) or after-tax operating income (ROIC) divided by the average of the opening and closing balance.
PFIS debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease liabilities.
PFIS cash returned to shareholders
PFIS price vs earnings per share
PFIS key metrics
2016–2025| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Valuation | ||||||||||
| Market capitalization | $490.7M | $439.4M | $348.3M | $373.9M | $381.2M | $269.7M | $372.3M | $326.2M | $344.5M | $360.2M |
| Enterprise value | $489.4M | $271.8M | −$17.7M | $6.8M | −$137.7M | $26.4M | $195.6M | $148.3M | $207.9M | $201.7M |
| P/E ratio | 8.3 | 51.7 | 12.7 | 9.8 | 8.8 | 9.2 | 14.5 | 13.1 | 18.7 | 18.4 |
| Price / sales | 1.7 | 1.9 | 2.1 | 3.0 | 3.5 | 2.4 | 3.4 | 3.3 | 3.9 | 4.4 |
| Price / book | 0.9 | 0.9 | 1.0 | 1.2 | 1.1 | 0.9 | 1.2 | 1.2 | 1.3 | 1.4 |
| Price / free cash flow | 11.3 | 14.0 | 12.7 | 10.8 | 10.6 | 7.7 | 11.8 | 11.4 | 15.4 | 16.9 |
| Price / operating cash flow | 9.0 | 13.0 | 10.5 | 8.8 | 9.4 | 7.3 | 10.0 | 10.0 | 12.0 | 12.8 |
| EV / sales | 1.7 | 1.2 | -0.1 | 0.1 | -1.3 | 0.2 | 1.8 | 1.5 | 2.3 | 2.5 |
| EV / EBITDA | 5.9 | 17.3 | — | 0.1 | — | 0.7 | 5.9 | 4.7 | 7.0 | 7.4 |
| EV / free cash flow | 11.3 | 8.7 | — | 0.2 | — | 0.8 | 6.2 | 5.2 | 9.3 | 9.5 |
| Earnings yield | 12.1% | 1.9% | 7.9% | 10.2% | 11.4% | 10.9% | 6.9% | 7.6% | 5.4% | 5.4% |
| Free cash flow yield | 8.8% | 7.1% | 7.8% | 9.2% | 9.4% | 12.9% | 8.5% | 8.8% | 6.5% | 5.9% |
| Dividend yield | 5.0% | 4.1% | 3.3% | 3.0% | 2.8% | 3.9% | 2.7% | 3.0% | 2.7% | 2.5% |
| Shareholder yield (dividends + buybacks) | 5.0% | 4.1% | 5.0% | 3.4% | 3.5% | 6.5% | 2.9% | 3.0% | 2.7% | 2.7% |
| Share price at fiscal year-end | $48.71 | $51.18 | $48.70 | $51.84 | $52.69 | $36.76 | $50.35 | $44.06 | $46.58 | $48.70 |
| Per share | ||||||||||
| Revenue per share | $27.89 | $26.76 | $22.93 | $17.15 | $14.89 | $15.09 | $14.67 | $13.28 | $12.05 | $11.07 |
| Earnings per share | $5.88 | $0.99 | $3.83 | $5.28 | $6.01 | $4.00 | $3.48 | $3.37 | $2.50 | $2.65 |
| Operating cash flow per share | $5.39 | $3.95 | $4.65 | $5.87 | $5.64 | $5.07 | $5.01 | $4.41 | $3.87 | $3.79 |
| Free cash flow per share | $4.30 | $3.65 | $3.82 | $4.79 | $4.96 | $4.75 | $4.26 | $3.86 | $3.02 | $2.88 |
| Cash per share | $25.78 | $37.64 | $61.75 | $71.49 | $76.68 | $46.48 | $48.90 | $40.83 | $41.92 | $40.47 |
| Book value per share | $51.60 | $54.62 | $47.60 | $43.73 | $47.01 | $43.18 | $40.43 | $37.70 | $35.83 | $34.69 |
| Tangible book value per share | $41.31 | $41.63 | $38.62 | $34.80 | $38.19 | $34.30 | $31.55 | $28.73 | $26.73 | $25.46 |
| Dividends per share | $2.45 | $2.11 | $1.63 | $1.57 | $1.49 | $1.43 | $1.37 | $1.31 | $1.26 | $1.24 |
| Capex per share | $1.09 | $0.30 | $0.83 | $1.09 | $0.68 | $0.31 | $0.76 | $0.55 | $0.84 | $0.91 |
| Debt per share | $25.65 | $18.12 | $10.57 | $20.59 | $4.97 | $13.32 | $25.00 | $16.80 | $23.45 | $19.04 |
| Shares outstanding | 10.1M | 8.6M | 7.2M | 7.2M | 7.2M | 7.3M | 7.4M | 7.4M | 7.4M | 7.4M |
| Change in shares outstanding | +17.3% | +20.1% | −0.8% | −0.3% | −1.4% | −0.8% | −0.1% | +0.1% | −0.0% | −1.6% |
| Returns & profitability | ||||||||||
| Return on equity (ROE) | 12.0% | 2.1% | 8.4% | 11.6% | 13.2% | 9.5% | 8.9% | 9.2% | 7.1% | 7.7% |
| Return on invested capital (ROIC) | 14.4% | 6.1% | — | — | — | 30.0% | 23.0% | 21.7% | 16.3% | 30.7% |
| Return on assets (ROA) | 1.1% | 0.2% | 0.8% | 1.1% | 1.4% | 1.1% | 1.1% | 1.1% | 0.9% | 1.0% |
| Return on tangible assets | 1.1% | 0.2% | 0.7% | 1.1% | 1.3% | 1.0% | 1.1% | 1.1% | 0.9% | 1.0% |
| Free cash flow margin | 15.4% | 13.6% | 16.7% | 27.9% | 33.3% | 31.5% | 29.0% | 29.0% | 25.1% | 26.0% |
| Income quality (OCF / net income) | 0.92 | 3.99 | 1.21 | 1.11 | 0.94 | 1.27 | 1.44 | 1.31 | 1.55 | 1.43 |
| Financial health | ||||||||||
| Total debt | $258.4M | $155.6M | $75.6M | $148.5M | $35.9M | $97.8M | $184.9M | $124.4M | $173.4M | $140.8M |
| Cash & short-term investments | $259.7M | $323.2M | $441.6M | $515.6M | $554.8M | $341.1M | $361.6M | $302.3M | $310.0M | $299.4M |
| Net debt | −$1.3M | −$167.6M | −$366.0M | −$367.1M | −$518.9M | −$243.3M | −$176.7M | −$177.9M | −$136.6M | −$158.5M |
| Debt / equity | 0.50 | 0.33 | 0.22 | 0.47 | 0.11 | 0.31 | 0.62 | 0.45 | 0.65 | 0.55 |
| Debt / assets | 0.05 | 0.03 | 0.02 | 0.04 | 0.01 | 0.03 | 0.07 | 0.05 | 0.08 | 0.07 |
| Net debt / EBITDA | −0.02 | −10.67 | −10.17 | −7.43 | −9.08 | −6.33 | −5.34 | −5.64 | −4.61 | −5.78 |
| Current ratio | 8.76 | 0.08 | 0.14 | 0.17 | — | 0.14 | 0.17 | 0.16 | 0.17 | 0.18 |
| Quick ratio | 8.76 | 0.08 | 0.13 | 0.18 | — | 0.24 | 0.19 | 0.16 | 0.20 | 0.21 |
| Interest coverage | 0.8 | 0.1 | 0.5 | 2.9 | 5.7 | 2.4 | 1.6 | 2.1 | 3.1 | 3.4 |
| Working capital | $253.9M | −$4.08B | −$2.84B | −$2.63B | $563.0M | −$2.14B | −$1.76B | −$1.65B | −$1.53B | −$1.37B |
| Invested capital | $518.6M | $301.3M | −$25.6M | −$51.7M | −$178.8M | $73.5M | $122.3M | $101.2M | $128.3M | $98.1M |
| Tangible asset value | $416.2M | $357.5M | $276.2M | $251.0M | $276.3M | $251.7M | $233.3M | $212.7M | $197.7M | $188.3M |
| Net current asset value | −$4.46B | −$4.27B | −$2.94B | −$2.71B | −$2.47B | −$2.22B | −$1.81B | −$1.70B | −$1.59B | −$1.44B |
| Graham number | $82.59 | $34.88 | $64.04 | $72.08 | $79.76 | $62.34 | $56.27 | $53.43 | $44.85 | $45.46 |
| Graham net-net per share | −$444.50 | −$499.39 | −$411.18 | −$379.74 | −$361.17 | −$318.65 | −$247.29 | −$229.81 | −$218.01 | −$197.69 |
| Capital allocation | ||||||||||
| Dividends paid | $24.6M | $18.1M | $11.7M | $11.3M | $10.8M | $10.5M | $10.1M | $9.7M | $9.3M | $9.2M |
| Share buybacks (net) | — | $0 | $5.9M | $1.3M | $2.4M | $6.9M | $634,000 | $0 | $0 | $604,000 |
| Dividend payout ratio | 41.6% | 212.9% | 42.6% | 29.7% | 24.8% | 35.8% | 39.4% | 38.9% | 50.5% | 46.8% |
| Dividends + buybacks / free cash flow | 56.9% | 57.7% | 64.2% | 36.4% | 36.7% | 49.9% | 34.2% | 33.9% | 41.7% | 45.9% |
| Capex / revenue | 3.9% | 1.1% | 3.6% | 6.3% | 4.5% | 2.1% | 5.2% | 4.1% | 7.0% | 8.3% |
| Capex / operating cash flow | 20.1% | 7.6% | 17.8% | 18.5% | 12.0% | 6.2% | 15.1% | 12.5% | 21.8% | 24.1% |
| Capex / depreciation | 1.03 | 0.36 | 1.69 | 1.94 | 1.34 | 0.54 | 1.33 | 1.27 | 2.09 | 2.38 |
| Stock-based compensation / revenue | 0.1% | 0.3% | 0.5% | 0.4% | 0.5% | 0.5% | 0.5% | 0.3% | 0.2% | 0.1% |
| SG&A / revenue | 29.8% | 21.3% | 23.1% | 28.9% | 29.2% | 28.4% | 30.3% | 30.7% | 31.9% | 29.9% |
| Efficiency | ||||||||||
| Days sales outstanding | 21.6 | 22.5 | 27.2 | 29.9 | 28.4 | 25.1 | 23.7 | 26.1 | 26.9 | 26.8 |
| Days of inventory on hand | — | — | -82.9 | -4,084.7 | -8,598.7 | -2,317.8 | -290.9 | -461.7 | -1,234.0 | -679.4 |
| Days payables outstanding | 23.9 | 17.9 | 19.1 | 15.8 | 18.7 | 16.9 | 18.8 | 17.6 | 13.0 | 15.2 |
| Cash conversion cycle (days) | -2.3 | 4.6 | -74.8 | -4,070.6 | -8,588.9 | -2,309.6 | -286.0 | -453.3 | -1,220.0 | -667.8 |
| Receivables turnover | 16.89 | 16.20 | 13.42 | 12.22 | 12.84 | 14.54 | 15.39 | 13.99 | 13.54 | 13.62 |
| Payables turnover | 15.26 | 20.34 | 19.10 | 23.09 | 19.53 | 21.58 | 19.39 | 20.71 | 28.15 | 23.97 |
| Asset turnover | 0.05 | 0.05 | 0.04 | 0.04 | 0.03 | 0.04 | 0.05 | 0.04 | 0.04 | 0.04 |
| Average receivables | $16.6M | $14.2M | $12.2M | $10.1M | $8.4M | $7.6M | $7.0M | $7.0M | $6.6M | $6.0M |
| Average payables | $6.1M | $5.6M | $3.3M | $655,500 | $572,000 | $1.0M | $1.2M | $846,000 | $479,500 | $511,000 |
| Average inventory | — | — | −$14.5M | −$169.4M | −$263.2M | −$137.9M | −$19.1M | −$22.2M | −$45.6M | −$22.8M |
| Intangibles / total assets | 2.0% | 2.2% | 1.7% | 1.8% | 1.9% | 2.3% | 2.7% | 2.9% | 3.1% | 3.4% |
Computed from PFIS's annual financial statements (latest annual report filed March 16, 2026) and the closing share price on each fiscal year-end, adjusted for stock splits. Figures in U.S. dollars; data from EODHD. Averages use the opening and closing balance of each year.
PFIS valuation and financial ratios
At the end of fiscal 2025 (December 31, 2025), Peoples Financial Services traded at 8.3 times earnings, against a 10-year median of 12.9. Based on the latest twelve months, the trailing P/E is 12.1 and the forward P/E is 15.1. Peoples Financial Services earned a return on equity of 12.0% and a return on invested capital of 14.4% in fiscal 2025. It ended the year with $258.4 million of debt and $259.7 million in cash and short-term investments, a net cash position of $1.3 million. It returned $24.6 million to shareholders: $24.6 million in dividends and $0 in share buybacks, 57% of free cash flow. The share count rose 36.2% from 7.4M to 10.1M over 9 years.
See the PFIS income statement, the PFIS chart for price history, or the PFIS stock overview for the latest quote and news.
PFIS key metrics FAQ
What is Peoples Financial Services's P/E ratio?
Peoples Financial Services's trailing P/E ratio is 12.1 based on the last twelve months of earnings (as of October 18, 2026), and its forward P/E is 15.1. At the end of fiscal 2025 it was 8.3, compared with a 10-year median of 12.9.
What is Peoples Financial Services's EV/EBITDA?
Peoples Financial Services's enterprise value was 5.9 times EBITDA at the end of fiscal 2025 (enterprise value $489.4 million, EBITDA $82.9 million).
What is Peoples Financial Services's return on equity?
Peoples Financial Services's return on equity (ROE) was 12.0% in fiscal 2025: net income of $59.2 million on average shareholders' equity of $494.4 million.
What is Peoples Financial Services's ROIC?
Peoples Financial Services's return on invested capital was 14.4% in fiscal 2025, using after-tax operating income divided by average debt plus equity minus cash.
How much debt does Peoples Financial Services have?
Peoples Financial Services had total debt of $258.4 million at the end of fiscal 2025, a debt-to-equity ratio of 0.50 and more cash than debt.
What is Peoples Financial Services's dividend yield?
Peoples Financial Services's forward dividend yield is 3.65%. Peoples Financial Services paid $24.6 million in dividends in fiscal 2025 ($2.45 per share), a payout ratio of 41.6%.
What is Peoples Financial Services's free cash flow yield?
Peoples Financial Services generated $43.3 million of free cash flow in fiscal 2025, a free cash flow yield of 8.8% on its market value at year-end ($490.7 million).
What is Peoples Financial Services's current ratio?
Peoples Financial Services's current ratio was 8.76 at the end of fiscal 2025: current assets were 8.76 times current liabilities.