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Peoples Financial Services Corp. operates as the bank holding company for Peoples Security Bank and Trust Company that provides commercial and retail banking services in Pennsylvania, New Jersey and New York. The company accepts deposits through money market, negotiable order of withdrawal, 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 and working capital, as well as loans for equipment and other commercial needs. In addition, the company offers fiduciary and investment services, including 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 wealth management products and services comprising investment portfolio management, estate and business succession planning, annuities, insurance, retirement plan, and tax planning, as well as education funding strategies; and securities, brokerage, and investor services. Additionally, the company offers 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. The company was founded in 1905 and is headquartered in Moosic, Pennsylvania.
5-year financial trends. Figures in USD millions.
Latest fiscal year: 2025
Year-by-year revenue, profitability, and cash flow (USD millions, last 10 years)
| Year | Revenue | EBITDA | Net Profit | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|
| 2025 | $188M | - | $59M | $43M | 11.4% | 39.6% | 596.5% |
| 2024 | $134M | - | $8M | $32M | 1.8% | 33.3% | -69.0% |
| 2023 | $101M | - | $27M | $27M | 8.0% | -6.6% | -28.1% |
| 2022 | $108M | - | $38M | $35M | 12.1% | - | - |
| 2021 |
Income statement, balance sheet, and cash flow as reported
Consolidated Figures in USD Millions.
| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Total Revenue | - | 108.07 | 100.91 | 134.49 | 187.76 |
| Operating Revenue | - | 108.07 | 100.91 | 134.49 | 187.76 |
| Selling General And Administration | - | 34.85 | 37.86 | 49.53 | 60.99 |
| Interest Income | - | 111.33 | 149.85 | 211.37 | 259.54 |
| Interest Expense | - | 15.58 | 63.10 | 95.47 | 93.74 |
| Net Interest Income | - | 95.75 | 86.75 | 115.90 | 165.80 |
| Pretax Income | - | 45.37 | 32.50 | 8.47 | 72.23 |
| Tax Provision | - | 7.28 | 5.12 | -0.03 | 13.05 |
| Tax Rate For Calcs | - | 0 | 0 | 0 | 0 |
| Tax Effect Of Unusual Items | - | 0.08 | -0.28 | -3.44 | -0.06 |
| Net Income Continuous Operations | - | 38.09 | 27.38 | 8.50 | 59.19 |
| Net Income From Continuing And Discontinued Operation | - | 38.09 | 27.38 | 8.50 | 59.19 |
| Net Income From Continuing Operation Net Minority Interest | - | 38.09 | 27.38 | 8.50 | 59.19 |
| Net Income | - | 38.09 | 27.38 | 8.50 | 59.19 |
| Net Income Common Stockholders | - | 38.09 | 27.38 | 8.50 | 59.19 |
| Net Income Including Noncontrolling Interests | - | 38.09 | 27.38 | 8.50 | 59.19 |
| Normalized Income | - | 37.69 | 28.90 | 21.43 | 59.45 |
| Diluted NI Availto Com Stockholders | - | 38.09 | 27.38 | 8.50 | 59.19 |
| Basic Average Shares | - | 7.17 | 7.11 | 8.53 | 9.99 |
| Diluted Average Shares | - | 7.21 | 7.15 | 8.59 | 10.07 |
| Reconciled Depreciation | - | 4.03 | 3.50 | 7.24 | 10.62 |
| Total Unusual Items | - | 0.48 | -1.80 | -16.36 | -0.32 |
| Total Unusual Items Excluding Goodwill | - | 0.48 | -1.80 | -16.36 | -0.32 |
| Special Income Charges | - | -1.38 | -1.82 | -16.36 | -0.31 |
| Gain On Sale Of Business | 12.15 | - | - | - | - |
| Other Special Charges | - | 1.38 | 0 | 0.16 | 0.07 |
| Restructuring And Mergern Acquisition | - | - | 1.82 | 16.20 | 0.24 |
| Gain On Sale Of Security | - | -1.38 | 0.46 | 0.42 | -0.97 |
| Depreciation Amortization Depletion Income Statement | - | 0.36 | 0.10 | 3.37 | 6.40 |
| Depreciation And Amortization In Income Statement | - | 0.36 | 0.10 | 3.37 | 6.40 |
| General And Administrative Expense | - | 34.85 | 37.42 | 48.90 | 59.63 |
| Salaries And Wages | - | 33.55 | 35.28 | 45.75 | 56.34 |
| Insurance And Claims | - | 1.30 | 2.13 | 3.16 | 3.29 |
| Selling And Marketing Expense | - | - | 0.44 | 0.63 | 1.36 |
| Amortization | - | 0.36 | 0.10 | 3.37 | 6.40 |
| Amortization Of Intangibles Income Statement | - | 0.36 | 0.10 | 3.37 | 6.40 |
| Occupancy And Equipment | - | 16.58 | 17.15 | 22.30 | 27.45 |
| Professional Expense And Contract Services Expense | - | 2.72 | 2.81 | 3.27 | 4.97 |
| Other Non Interest Expense | - | 8.65 | 8.10 | 12.06 | 15.31 |
Financial Services sector peers, ranked by market cap
| Company | Ticker | Market Cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|---|
| Peoples Financial Services Corp.this co. | PFIS | $596M | 10.06↓ discount | 1.15 | 11.4% | - |
| Arrow Financial Corporation | AROW | $610M | 13.88 | 1.41 | 10.2% | - |
| Northpointe Bancshares, Inc. | NPB | $598M | 7.17 | 1.05 | 14.7% | - |
| Northfield Bancorp, Inc. | NFBK | $596M | 748.18 | 0.86 | 0.1% | - |
| Red River Bancshares, Inc. |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| RRBI |
| $594M |
| 13.90 |
| 1.63 |
| 11.7% |
| - |
| Bar Harbor Bankshares | BHB | $594M | 16.08 | 1.11 | 6.9% | - |
| Midland States Bancorp, Inc. | MSBI | $591M | -4.76 | 1.30 | -27.3% | - |
| AMERISAFE, Inc. | AMSF | $576M | 12.22 | 2.29 | 18.7% | - |
| PRA Group, Inc. | PRAA | $574M | -1.88 | 0.59 | -31.1% | - |
| Peer Median | - | 13.05 | 1.21 | 8.6% | - | |