PEOPLES FINANCIAL SERVICES CORP. PFIS
Nasdaq · XNAS · stock · National Commercial Banks
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3/9
Piotroski F — financial health
—
Altman Z″ — distress risk
41.6%
Dividend payout · moderate
Financials (annual, from 10-K)
| FY | Revenue | Net income | Gross profit | Free cash flow | Equity |
|---|---|---|---|---|---|
| 2025 | — | $59.2M | — | $43.3M | $519.8M |
| 2024 | — | $8.5M | — | $32.1M | $468.9M |
| 2023 | — | $27.4M | — | $27.3M | $340.4M |
| 2022 | — | $38.1M | — | $34.5M | $315.4M |
| 2021 | — | $43.5M | — | $35.9M | $340.1M |
| 2020 | — | $29.4M | — | $34.9M | $316.9M |
Recent insider activity (Form 4)
| Insider | Role | Date | Action | Shares | Price |
|---|---|---|---|---|---|
| Westington Stephanie A. | EVP/CHIEF ACCOUNTING OFF | 2026-05-15 | Tax withheld | 47 | $56.35 |
| Cummings Mary Griffin | EVP/GENERAL COUNSEL | 2026-05-15 | Tax withheld | 60 | $56.35 |
| TULANEY THOMAS P | PRESIDENT | 2026-04-03 | Option exercise | 709 | — |
| TULANEY THOMAS P | PRESIDENT | 2026-04-03 | Tax withheld | 315 | $54.62 |
| Hubble Susan L | EVP/CHIEF INFORMATION OFFICER | 2026-03-11 | Option exercise | 279 | — |
| Hubble Susan L | EVP/CHIEF INFORMATION OFFICER | 2026-03-11 | Tax withheld | 164 | $51.80 |
| BONE JAMES M JR | EVP/CHIEF FINANCIAL OFFICER | 2026-03-11 | Option exercise | 317 | — |
| Champi Gerard A | CHIEF EXECUTIVE OFFICER | 2026-03-11 | Option exercise | 689 | — |
Why these scores methodology →
Piotroski F-score: 3/9
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Altman Z″: n/a
Not applicable (financials/insurer or missing inputs).
Source: SEC EDGAR filings · CIK 0001056943 · as of 2025-12-31. Figures are facts from filings plus Stocktoria's own computed scores — not investment advice.