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PEOPLES FINANCIAL SERVICES CORP. PFIS

Nasdaq · stock · National Commercial Banks · website · IPO 2002-06-05 · LEI

PEOPLES FINANCIAL SERVICES CORP. statistics & valuation

Market cap$671.0M
P / E11.3×
P / B1.3×
P / FCF15.5×
Dividend yield3.67%
Return on equity11.4%
Graham number +15.9%$82.63

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($82.63); a green figure means the price is below it.

Profitability & efficiency

Gross margin (%)
2016201720182019202020212022202320242025
Operating margin (%)
2016201720182019202020212022202320242025
Return on equity (%)
7.60% 7.00% 8.90% 8.60% 9.30% 12.80% 12.10% 8.00% 1.80% 11.40% 2016201720182019202020212022202320242025
Shares outstanding
7.4M 7.4M 7.4M 7.4M 7.3M 7.2M 7.2M 7.2M 10.0M 10.1M 2016201720182019202020212022202320242025
Net debt ($)
$18.2M $12.2M $37.9M $32.7M 2016201720182019202020212022202320242025
Share buybacks ($)
2016201720182019202020212022202320242025
Return on assets (%)
1.00% 0.90% 1.10% 1.00% 1.00% 1.30% 1.10% 0.70% 0.20% 1.10% 2016201720182019202020212022202320242025
Free cash flow margin (%)
2016201720182019202020212022202320242025
Debt / equity (×)
0.23× 0.19× 0.14× 0.11× 2016201720182019202020212022202320242025
EPS ($)
$2.65 $2.50 $3.37 $3.47 $4.00 $6.02 $5.28 $3.83 $0.99 $5.88 2016201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

PEOPLES FINANCIAL SERVICES CORP. trades at about 12.1× earnings — near its 10-year norm (10-year range 8.4×–52×, median 12.2×).

8.4× 52×

Shaded band = 10-year range (8.4×–52×); dot = today's 12.1×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Return on assets1.1%0.2%0.7%1.1%1.3%1.0%1.0%1.1%0.9%1.0%
Return on equity11.4%1.8%8.0%12.1%12.8%9.3%8.6%8.9%7.0%7.6%
Debt / equity——————0.11×0.14×0.19×0.23×

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.