Latest Ratios: P/E Ratio 11.4x · EV/EBITDA 10.5x · ROE 12.0%. (1997–2025 historical series)
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $671M | $491M | $439M | $348M | $374M | $381M | $270M | $372M | $326M | $345M | $360M |
| Enterprise Value | $871M | $691M | $539M | $381M | $484M | $379M | $322M | $526M | $418M | $480M | $461M |
| P/E Ratio → | 11.40 | 8.28 | 51.70 | 12.72 | 9.82 | 8.77 | 9.19 | 13.53 | 13.07 | 18.63 | 18.38 |
| P/S Ratio | 2.39 | 1.75 | 1.91 | 2.12 | 3.02 | 3.54 | 2.44 | 3.43 | 3.32 | 3.86 | 4.40 |
| P/B Ratio | 1.30 | 0.94 | 0.94 | 1.02 | 1.19 | 1.12 | 0.85 | 1.25 | 1.17 | 1.30 | 1.40 |
| P/FCF | 15.49 | 11.32 | 14.02 | 12.74 | 10.83 | 10.62 | 7.73 | 11.83 | 11.42 | 15.42 | 16.92 |
| P/OCF | 12.37 | 9.04 | 12.95 | 10.47 | 8.83 | 9.35 | 7.26 | 10.04 | 10.00 | 12.05 | 12.84 |
P/E links to full P/E history page with 30-year chart
Enterprise-value multiples — capital-structure-neutral measures of total business value
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 2.46 | 2.35 | 2.32 | 3.92 | 3.52 | 2.91 | 4.85 | 4.25 | 5.39 | 5.63 |
| EV / EBITDA | 10.51 | 8.34 | 34.35 | 10.59 | 9.81 | 6.64 | 8.39 | 15.89 | 13.26 | 16.22 | 16.81 |
| EV / EBIT | 12.06 | 9.56 | 63.70 | 11.73 | 10.68 | 7.09 | 9.43 | 18.21 | 14.76 | 18.04 | 18.75 |
| EV / FCF | — | 15.94 | 17.21 | 13.95 | 14.03 | 10.57 | 9.24 | 16.71 | 14.64 | 21.50 | 21.66 |
Margins and return-on-capital ratios measuring operating efficiency
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 66.6% | 66.6% | 50.1% | 61.2% | 87.8% | 89.6% | 80.4% | 77.9% | 82.2% | 84.9% | 85.0% |
| Operating Margin | 25.7% | 25.7% | 3.7% | 19.8% | 36.7% | 49.7% | 30.9% | 26.6% | 28.8% | 29.9% | 30.0% |
| Net Profit Margin | 21.1% | 21.1% | 3.7% | 16.7% | 30.8% | 40.4% | 26.5% | 23.7% | 25.3% | 20.7% | 23.9% |
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 12.0% | 12.0% | 2.1% | 8.4% | 11.6% | 13.2% | 9.5% | 8.9% | 9.2% | 7.1% | 7.7% |
| ROA | 1.1% | 1.1% | 0.2% | 0.8% | 1.1% | 1.4% | 1.1% | 1.1% | 1.1% | 0.9% | 1.0% |
| ROIC | 7.7% | 7.7% | 1.2% | 5.5% | 8.1% | 10.2% | 5.7% | 4.9% | 5.0% | 4.8% | 5.0% |
| ROCE | 2.4% | 2.4% | 1.5% | 7.8% | 11.4% | 13.4% | 9.2% | 8.5% | 8.7% | 8.1% | 7.5% |
Solvency and debt-coverage ratios — lower is generally safer
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.50 | 0.50 | 0.33 | 0.22 | 0.47 | 0.10 | 0.31 | 0.62 | 0.45 | 0.65 | 0.55 |
| Debt / EBITDA | 3.12 | 3.12 | 9.91 | 2.10 | 3.01 | 0.62 | 2.54 | 5.59 | 3.95 | 5.85 | 5.13 |
| Net Debt / Equity | — | 0.38 | 0.21 | 0.10 | 0.35 | -0.01 | 0.17 | 0.51 | 0.33 | 0.51 | 0.39 |
| Net Debt / EBITDA | 2.41 | 2.41 | 6.36 | 0.91 | 2.24 | -0.03 | 1.37 | 4.64 | 2.91 | 4.59 | 3.68 |
| Debt / FCF | — | 4.61 | 3.19 | 1.20 | 3.20 | -0.05 | 1.51 | 4.88 | 3.21 | 6.08 | 4.74 |
| Interest Coverage | 0.77 | 0.77 | 0.09 | 0.52 | 2.91 | 5.68 | 2.39 | 1.62 | 2.13 | 3.06 | 3.39 |
Short-term solvency ratios and asset-utilisation metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 8.76 | 8.76 | 0.08 | 0.14 | 0.17 | 0.19 | 0.14 | 0.17 | 0.16 | 0.17 | 0.18 |
| Quick Ratio | 8.76 | 8.76 | 0.08 | 0.14 | 0.17 | 0.19 | 0.14 | 0.17 | 0.16 | 0.17 | 0.18 |
| Cash Ratio | 1.79 | 1.79 | 0.01 | 0.01 | 0.01 | 0.01 | 0.02 | 0.01 | 0.02 | 0.02 | 0.02 |
| Asset Turnover | — | 0.05 | 0.05 | 0.04 | 0.03 | 0.03 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 3.6% | 5.0% | 4.1% | 3.3% | 3.0% | 2.8% | 3.9% | 2.7% | 3.0% | 2.7% | 2.5% |
| Payout Ratio | 41.6% | 41.6% | 212.9% | 42.6% | 29.7% | 24.8% | 35.8% | 39.4% | 38.9% | 50.5% | 46.8% |
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 8.8% | 12.1% | 1.9% | 7.9% | 10.2% | 11.4% | 10.9% | 7.4% | 7.6% | 5.4% | 5.4% |
| FCF Yield | 6.5% | 8.8% | 7.1% | 7.8% | 9.2% | 9.4% | 12.9% | 8.5% | 8.8% | 6.5% | 5.9% |
| Buyback Yield | 0.0% | 0.0% | 0.0% | 1.7% | 0.3% | 0.6% | 2.6% | 0.2% | 0.0% | 0.0% | 0.2% |
| Total Shareholder Yield | 3.6% | 5.0% | 4.1% | 5.0% | 3.4% | 3.5% | 6.5% | 2.9% | 3.0% | 2.7% | 2.7% |
| Shares Outstanding | — | $10M | $9M | $7M | $7M | $7M | $7M | $7M | $7M | $7M | $7M |
Integration and funding costs
Based on current market data, PFIS trades at a P/B of 1.30, suggesting that investors are pricing the bank as a commodity balance sheet rather than a premium franchise, likely due to the earnings volatility observed in recent quarterly filings and the ongoing integration of recent acquisitions.
The current P/B multiple appears to reflect a cautious market stance regarding the bank's ability to translate its expanded asset base into superior returns on tangible equity. Investors should monitor whether the valuation gap narrows as the bank demonstrates sustained earnings power post-merger, or if the market continues to discount the stock due to the persistent compression in net interest margins.
As reported in recent financial statements, the bank's ROE has remained in the low single digits, peaking at 3.5% in 2025Q2, which indicates that profitability is currently constrained by a combination of narrow net interest margins and the absorption of significant non-interest expenses related to regional expansion.
The DuPont analysis suggests that the bank's profitability is currently driven more by asset scale than by high-margin efficiency. The reliance on interest-earning assets in a competitive funding environment appears to be limiting the contribution of asset utilization to the overall return on equity, warranting further investigation into the scalability of the trust division.
According to quarterly data, the efficiency ratio has fluctuated between 39.2% and 49.0%, reflecting the operational costs of scaling the branch network and integrating new acquisitions, which currently offsets the benefits of the bank's historically stable, low-cost deposit base in rural Pennsylvania markets.
The persistent NIM compression to 0.8% suggests that the bank is struggling to maintain its spread as funding costs rise in tandem with broader industry trends. Management's ability to control non-interest expenses while navigating this margin squeeze will be critical for improving the bank's operating leverage in the coming quarters.
Based on reported figures, the equity-to-assets ratio has remained remarkably consistent at approximately 0.09 to 0.10 over the last ten quarters, indicating that the bank has successfully maintained a healthy capital buffer despite the rapid expansion of its total asset base through recent inorganic growth initiatives.
This stability in the capital structure suggests that management is prioritizing a conservative balance sheet approach, which provides a necessary cushion against potential credit volatility. Investors should monitor whether this capital adequacy remains sufficient to support further expansion without necessitating dilutive equity issuance or compromising the bank's dividend policy.
The P/E ratio is frequently misapplied to PFIS, as it obscures the significant impact of non-recurring provision volatility and merger-related expenses that distort quarterly earnings, making it a poor indicator of the bank's underlying economic profitability compared to more stable metrics like P/TBV.
Investors should be wary of relying on P/E multiples, as they fail to account for the bank's unique trust-based fee income and the lumpy nature of credit loss provisions under the CECL model. A focus on P/TBV and normalized ROE would provide a more accurate assessment of the bank's franchise value and long-term earnings potential.
Includes 30+ ratios · 29 years · Updated daily
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Quick answers to the most common questions about buying PFIS stock.
Peoples Financial Services Corp.'s current P/E ratio is 11.4x. The historical average is 17.5x. This places it at the 25th percentile of its historical range.
Peoples Financial Services Corp.'s current EV/EBITDA is 10.5x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 16.4x.
Peoples Financial Services Corp.'s return on equity (ROE) is 12.0%. The historical average is 10.7%.
Based on historical data, Peoples Financial Services Corp. is trading at a P/E of 11.4x. This is at the 25th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
Peoples Financial Services Corp.'s current dividend yield is 3.65% with a payout ratio of 41.6%.
Peoples Financial Services Corp. has 66.6% gross margin and 25.7% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
Peoples Financial Services Corp.'s Debt/EBITDA ratio is 3.1x, indicating high leverage. A ratio between 2-4x is manageable but warrants monitoring.