PFIS

Peoples Financial Services Corp.

$48.62

1.66

(3.53%)

Exchange:	NASDAQ
Market Cap:	485.942M
Shares Outstanding:	3.273M

Overview

Earnings

Financials

Valuation

Chart

About The Company

Peoples Financial Services Corp. operates as the bank holding company for Peoples Security Bank and Trust Company that provides various commercial and retail banking services. The company accepts money market, NOW, savings, individual retirement, demand deposit, and certificates of deposit accounts. It also provides residential real estate, automobile, manufactured housing, personal, and home equity loans; and commercial real estate, working capital, construction, small business administration, and agricultural loans, as well as loans for equipment and other commercial needs, and mineral rights. In addition, the company offers investment management, IRA trustee, estate administration, living and life insurance trust, trustee under will, guardianship, custodial/IRA custodial, and corporate trust services, as well as pension and profit sharing plans. Further, it provides investment portfolio management, estate and business succession planning, annuities, insurance, retirement plan, and tax planning, as well as education funding strategies; and securities and brokerage, and investor services. Additionally, the company offers small business checking and merchant money market accounts, online and telephone banking, business credit cards, merchant line of credit, and financial checkup services; and remote deposit capture, automatic clearing house transaction, cash management, automated teller machine, point of sale transaction, safe deposit box, night depository, direct deposit, and official check services. It serves business, non-profit, governmental, municipal agency, and professional customers, as well as retail customers through 28 full-service community banking offices located in Allegheny, Bucks, Lackawanna, Lebanon, Lehigh, Luzerne, Monroe, Montgomery, Northampton, Susquehanna, and Wyoming Counties of Pennsylvania; Middlesex County of New Jersey; and Broome County of New York. The company was founded in 1905 and is headquartered in Scranton, Pennsylvania.

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Revenue Segmentation

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EPS

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Earnings Call

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Income Statement

Balance Sheet

Cash Flow Statement

Analyst Estimates

Income Statement

(* All numbers are in thousands)

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
? Revenue	70,080	74,628	78,644	84,989	90,640	96,443	98,118	108,072	163,612	211,460
? Cost Of Revenue	0	0	0	0	0	0	0	0	0	0
? Gross Profit	70,080	74,628	78,644	84,989	90,640	96,443	98,118	108,072	163,612	211,460
? Research And Development Expenses	0	0	0	0	0	0	0	0	0	0
? General And Administrative Expenses	21,533	22,434	26,670	28,407	31,694	30,135	29,736	33,553	37,416	0
? Selling And Marketing Expenses	736	972	942	720	873	463	575	943	545	0
? Operating Expenses	-40,191	-41,125	-41,359	-43,356	-59,462	-62,268	-45,203	-43,450	100,905	0
? Net Interest Income	0	0	0	0	0	0	0	0	0	0
? Interest Income	63,006	68,936	74,190	84,589	93,304	94,028	93,983	111,332	149,847	0
? Interest Expense	6,037	7,251	8,698	13,322	17,868	14,324	9,422	15,585	63,097	95,471
? Depreciation And Amortization	1,182	2,847	2,984	3,214	4,211	4,250	3,642	4,034	3,497	0
? EBITDA	25,034	27,438	29,621	31,525	33,102	38,425	57,159	49,400	35,998	0
? EBIT
? Operating Income	29,889	33,503	37,285	41,633	31,178	34,175	52,915	64,622	35,936	0
? Income Before Tax	22,244	24,591	26,637	28,311	31,178	34,175	52,915	45,366	32,500.999	8,468
? Income Tax Expense	4,521	5,008	8,180	3,391	3,635	4,821	9,396	7,276	5,121	-30
? Net Income From Continuing Operations
? Net Income	17,723	19,583	18,457	24,920	27,543	29,354	43,519	38,090	27,380	8,498
? EPS (Earnings Per Share)	2.360	2.650	2.500	3.370	3.480	4.020	6.050	5.310	3.850	1
? EPS Diluted	2.360	2.650	2.500	3.370	3.480	4	6.010	5.280	3.830	0.990
? Weighted Average Shares Outstanding	7,516.451	7,396.716	7,395.837	7,397.797	7,395.429	7,304.956	7,196.160	7,168.092	7,107.908	8,531.122
? Weighted Average Shares Outstanding Diluted	7,516.451	7,396.716	7,395.837	7,402.900	7,395.429	7,337.843	7,235.303	7,211.643	7,151.471	8,586.035
	USD	USD	USD	USD	USD	USD	USD	USD	USD	USD

Balance Sheet

(* All numbers are in thousands)

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
? Cash And Cash Equivalents	32,917	39,941	37,488	32,616	31,153	45,192	37,508	37,868	42,665	0
? Short Term Investments	284,935	259,410	272,548	269,682	330,478	295,911	517,321	477,703	398,927	-12,697
? Cash And Short Term Investments	317,852	299,351	310,036	302,298	361,631	341,103	554,829	515,571	187,365	-12,697
? Net Receivables	5,796	6,228	6,936	7,115	6,987	8,255	8,529	11,715	0	15,632
? Accounts Receivables										15,632
? Inventory	0	-46,562	-44,708	0	-38,584	-237,311	-289,070	-49,704	0	0
? Total Current Assets	323,648	305,579	316,972	1,898,009	368,618	349,358	563,358	527,286	196,918	2,935
? Property Plant Equipment Net	28,157	33,260	37,557	38,889	47,932	47,045	51,502	55,667	61,276	0
? Goodwill	63,370	63,370	63,370	63,370	63,370	63,370	63,370	63,370	63,370	75,986
? Intangible Assets	5,397	4,211	3,178	2,296	1,565	960	468	105	870	35,501
? Long Term Investments	297,044	269,927	281,822	278,334	338,557	303,274	588,675	568,992	488,891	629,909
? Total Non Current Assets	393,968	370,768	385,927	390,984	451,424	414,649	704,015	694,494	3,539,991	741,396
? Total Assets	1,819,058	1,999,653	2,170,274	2,288,189	2,477,454	2,883,802	3,369,994	3,553,515	3,742,289	5,091,657
? Account Payables	560	462	497	1,195	1,277	736	408	903	5,765	5,503
? Short Term Debt	38,325	82,700	123,675	86,500	152,150	50,000	0	114,930	17,590	37,083
? Deferred Revenue	0	0	0	-1,161,818	0	0	-2,539	0	0	0
? Total Current Liabilities	38,885	83,162	124,172	87,695	153,427	50,736	408	115,833	2,579,258	37,083
? Long Term Debt	60,354	58,134	49,734	37,906	32,733	47,769	35,711	33,555	58,000	68,441
? Deferred Revenue Non Current	0	0	47,138	-13,738	27,873	41,011	30,696	-6,143	0	0
? Deferred Tax Liabilities Non Current	0	0	2,596	2,787	4,860	6,758	5,015	6,143	0	0
? Total Non Current Liabilities	60,354	58,134	49,734	37,906	32,733	47,769	35,711	115,833	829,963	3,223,975
? Total Liabilities	1,570,290	1,743,035	1,905,298	2,009,109	2,176,637	2,566,925	3,029,868	3,238,165	3,401,867	4,622,707
? Treasury Stock										0
? Preferred Stock	0	0	0	10	0	0	0	0	0	0
? Common Stock	14,821	14,788	14,793	14,788	14,777	14,414	14,341	14,321	14,093	19,995
? Retained Earnings	100,701	111,114	121,353	136,582	153,994	171,023	203,750	230,515	248,550	0
? Additional Paid In Capital										0
? Total Stockholders Equity	248,768	256,618	264,976	279,080	300,817	316,877	340,126	315,350	340,422	1,232,556
? Total Equity	248,768	256,618	264,976	279,080	300,817	316,877	340,126	315,350	340,422	1,232,556
? Minority Interest	0	0	0	0	0	0	0	0	0	0
? Total Liabilities And Total Equity	1,819,058	1,999,653	2,170,274	2,288,189	2,477,454	2,883,802	3,369,994	3,553,515	3,742,289	5,091,657
? Total Investments	581,979	529,337	554,370	555,393	669,035	599,185	1,105,996	1,052,141	887,818	617,212
? Total Debt	98,679	140,834	173,409	124,406	184,883	97,769	35,711	148,485	75,590	105,524
? Net Debt	65,762	100,893	135,921	91,790	153,730	52,577	-1,797	110,617	32,925	105,524
	USD	USD	USD	USD	USD	USD	USD	USD	USD	USD

Cash Flow Statement

(* All numbers are in thousands)

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
? Net Income	17,723	19,583	18,457	24,920	25,736	29,354	43,519	38,090	27,380	8,498
? Depreciation And Amortization	2,790	2,847	2,984	3,214	4,211	4,250	3,642	4,034	3,497	7,236
? Deferred Income Tax	-206	-965	1,665	-681	394	-1,779	450	611	1,268	-3,647
? Stock Based Compensation	69	71	177	272	554	570	546	534	888	786
? Change In Working Capital	-1,263	-1,627	-467	-401	-758	-534	2,402	-4,441	-1,075	11,565
? Accounts Receivables	-216	-432	-708	-179	134	-1,274	-273	-3,187	-1,019	4,550
? Inventory	-1,380,029	-1,537,599	-1,650,156	-1,811,234	0	0	0	0	0	0
? Accounts Payables	-14	-98	35	698	82	-541	-328	495	4,862	0
? Net Cash Provided By Operating Activities	28,237	28,053	28,593	32,626	37,079	37,180	40,771	42,357	33,252	33,923
? Investments In Property Plant And Equipment	-4,521	-6,764	-6,247	-4,069	-5,603	-2,292	-4,885	-7,831	-5,925	0
? Acquisitions Net	-132,826	-195,408	2,300	-133,072	-119,998	-240,872	12,153	170	14	28,067
? Purchases Of Investments	-93,452	-64,067	-73,471	-32,709	-124,501	-107,196	-358,601	-138,710	0	0
? Sales Maturities Of Investments	142,821	82,097	57,022	31,991	67,851	150,169	60,399	90,439	98,903	307,447
? Net Cash Provided By Investing Activities	0	0	0	0	0	0	0	0	0	387,147
? Net Debt Issuance	0	0	0	0	0	0	0	0	0	-154,677
? Long Term Net Debt Issuance	0	0	0	0	0	0	0	0	0	-23,287
? Short Term Net Debt Issuance	0	0	0	0	0	0	0	0	0	-131,390
? Net Stock Issuance	0	0	0	0	0	0	0	0	0	0
? Net Dividends Paid	-9,319	-9,170	-9,319	-9,693	-10,131	-10,518	-10,792	-11,325	-11,659	-18,093
? Common Dividends Paid										-18,093
? Preferred Dividends Paid	0	0	0	0	0	0	0	0	0	0
? Net Cash Provided By Financing Activities	62,464	165,328	153,517	97,308	146,179	361,099	451,073	183,397	141,999	-472,584
? Effect Of Forex Changes On Cash	0	0	0	0	0	0	0	0	0	0
? Net Change In Cash	1,491	7,024	-2,453	-4,872	-1,463	197,039	51,741	-242,065	149,497	-51,514
? Cash At End Of Period	32,917	39,941	37,488	32,616	31,153	228,192	279,933	37,868	187,365	135,851
? Cash At Beginning Of Period	31,426	32,917	39,941	37,488	32,616	31,153	228,192	279,933	37,868	187,365
? Operating Cash Flow	28,237	28,053	28,593	32,626	37,079	37,180	40,771	42,357	33,252	33,923
? Capital Expenditure	-4,521	-6,764	-6,247	-4,069	-5,603	-2,292	-4,885	-7,831	-5,925	-2,575
? Free Cash Flow	23,716	21,289	22,346	28,557	31,476	34,888	35,886	34,526	27,327	31,348
	USD	USD	USD	USD	USD	USD	USD	USD	USD	USD

Analyst Estimates

(* All numbers are in thousands)

Fiscal Year	2022	2023	2024	2025	2026
Estimated Revenue (Low)	109,929.780	102,899.709	135,700	179,600	190,900
Estimated Revenue (High)	112,670.219	103,500.290	137,400	181,800	194,400
Estimated Revenue (Avg)	111,300	103,200	136,550	180,700	192,650
Estimated Ebitda (Low)	44,484.222	41,639.431	54,912.409	72,676.998	77,249.660
Estimated Ebitda (High)	45,593.169	41,882.463	55,600.331	73,567.251	78,665.971
Estimated Ebitda (Avg)	45,038.696	41,760.947	55,256.370	73,122.124	77,957.815
Estimated Net Income (Low)	36,733.249	36,553.588	36,494.087	45,979.253	53,414.073
Estimated Net Income (High)	37,928.117	37,286.320	37,225.617	46,901.049	54,101.127
Estimated Net Income (Avg)	37,330.683	36,919.954	36,859.852	46,440.151	53,757.600
Estimated SGA Expense (Low)	33,074.646	30,959.504	40,828.150	54,036.372	57,436.211
Estimated SGA Expense (High)	33,899.164	31,140.201	41,339.630	54,698.288	58,489.258
Estimated SGA Expense (Avg)	33,486.905	31,049.853	41,083.890	54,367.330	57,962.735
Estimated EPS (Avg)	5.220	4.300	4.290	5.410	6.260
Estimated EPS (High)	5.300	4.340	4.340	5.460	6.300
Estimated EPS (Low)	5.140	4.260	4.250	5.360	6.220
Number of Analysts (Estimated Revenue)	1	2	2	2	2
Number of Analysts (Estimated EPS)	1	1	1	1	2

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Current Key Metrics

?	Revenue (TTM) :	229.421M	?	P/S (TTM) :	1.84
?	Net Income (TTM) :	8.498M	?	P/E (TTM) :	23.42
?	Enterprise Value (TTM) :	544.336M	?	EV/FCF (TTM) :	14.75
?	Dividend Yield (TTM) :	0.05	?	Payout Ratio (TTM) :	1.07
?	ROE (TTM) :	0.05	?	ROIC (TTM) :	0.03
?	Net Debt (TTM) :	121.263M	?	Debt/Equity (TTM) :	0.3
?	P/B (TTM) :	0.97	?	Current Ratio (TTM) :	0.08

Forward P/E Ratios

?

Forward P/E calculated based on:

Forward P/E 1Y	Forward P/E 2Y	Forward P/E 3Y	Forward P/E 4Y	Forward P/E 5Y
9.00	10.92	10.95	8.68	7.50

SWOT Analysis

No SWOT analysis available for this stock.

PFIS

3.53

4.67

0.64

8.04

-5.37

23.12

33.35

Trading Metrics:

Open:	46.95	Previous Close:	46.96
Day Low:	46.95	Day High:	48.62
Year Low:	38.9	Year High:	59.7
Price Avg 50:	46.59	Price Avg 200:	48.45
Volume:	15660	Average Volume:	21452