PEOPLES FINANCIAL SERVICES CORP.

PFIS

PEOPLES FINANCIAL SERVICES CORP.

PFIS

Insider Sentiment (TTM):

Last Purchase:2025-08-15Last Sale:2024-11-27Shares Purchased (TTM):0Shares Sold (TTM):0

Institutional Sentiment:

As of:2026-03-31Institutional Shares Owned:3,060,963Shares Outstanding:10,010,488Institutional Ownership Pct.:30.58%

Earnings Market Reaction:

Filing Date:2026-08-07Price on Filing Date:N/APrevious Close:N/A% Change:N/A

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Financial Statements

10‑Q10‑K

Values in Millions ($)	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Assets
Cash And Due From Banks
Cash And Due From Banks	75	59	58	62	60	60	47	97	41	32	34	39
Interest Bearing Deposits In Banks	181	8	9	9	10	9	9	10	9	8	9	10
Federal Funds Sold	-	261	201	108	106	8	80	178	-	70	145	206
Cash And Cash Equivalents At Carrying Value	256	329	269	180	176	77	136	285	50	110	187	255
Debt Securities Available For Sale Excluding Accru…	458	469	513	535	505	503	526	562	385	394	399	382
Marketable Securities
Debt Securities Held To Maturity Excluding Accrued…	69	71	72	73	75	77	78	80	82	83	85	86
Marketable Securities	530	543	587	610	583	582	607	646	467	478	484	469
Equity Securities Fv Ni	3	3	3	2	2	3	2	4	0	0	0	0
Financing Receivable Excluding Accrued Interest Be…	-	4,190	4,067	4,016	3,998	3,992	3,994	4,070	2,870	2,858	2,850	2,871
Financing Receivable Allowance For Credit Loss Exc…	-	40	39	40	41	41	42	39	23	23	22	23
Financing Receivable Excluding Accrued Interest Af…	-	4,151	4,028	3,977	3,957	3,950	3,952	4,030	2,846	2,836	2,828	2,848
Loans Receivable Held For Sale Net Not Part Of Dis…	1	1	1	1	1	0	-	1	-	0	0	-
Goodwill	76	76	76	76	76	76	76	77	63	63	63	63
Property Plant And Equipment Net	80	79	78	77	77	72	73	76	59	59	61	62
Bank Owned Life Insurance	83	83	89	88	88	88	87	87	50	50	49	49
Deferred Income Tax Assets Net	26	26	27	30	32	33	36	33	14	14	14	18
Interest Receivable	18	18	18	17	16	16	16	18	13	14	13	13
Finite Lived Intangible Assets Net	-	-	-	-	-	-	-	36	-	-	-	-
Intangible Assets Net Excluding Goodwill	25	26	28	29	31	32	34	-	-	-	-	0
Other Assets	87	91	71	75	73	71	75	70	53	45	42	50
Assets	5,441	5,423	5,271	5,160	5,108	4,999	5,092	5,360	3,616	3,669	3,742	3,826
Liabilities
Noninterest Bearing Deposit Liabilities	947	969	954	912	900	901	936	718	621	623	645	691
Deposits
Deposits	4,509	4,425	4,434	4,290	4,287	4,317	4,408	4,638	3,065	3,204	3,279	3,365
Interest Bearing Deposit Liabilities	3,562	3,456	3,480	3,378	3,388	3,416	3,472	3,920	2,444	2,581	2,634	2,674
Short Term Borrowings	85	179	33	76	76	15	16	37	104	20	18	27
Subordinated Debt	83	83	83	83	83	33	33	33	33	33	33	33
Interest Payable Current And Noncurrent	5	8	7	8	5	5	6	7	6	5	6	5
Other Liabilities	59	59	51	48	51	51	54	51	43	42	41	47
Liabilities	4,904	4,898	4,751	4,650	4,614	4,518	4,623	4,885	3,275	3,329	3,402	3,501
Common Stock Value	20	20	20	20	20	20	20	20	14	14	14	14
Additional Paid In Capital Common Stock	251	251	251	251	250	250	251	251	122	122	122	122
Stockholders Equity
Retained Earnings Accumulated Deficit	291	282	274	268	259	248	239	239	250	249	249	248
Stockholders Equity	536	526	520	509	494	482	469	475	341	340	340	324
Accumulated Other Comprehensive Income Loss Net Of…	-26	-28	-25	-29	-35	-36	-41	-35	-45	-45	-44	-59
Liabilities And Stockholders Equity	5,441	5,423	5,271	5,160	5,108	4,999	5,092	5,360	3,616	3,669	3,742	3,826
Debt Securities Available For Sale Amortized Cost …	489	502	542	569	547	546	575	601	439	448	450	-
Debt Securities Available For Sale Amortized Cost …	0	0	0	0	0	0	0	0	0	0	0	-
Held To Maturity Securities Fair Value	59	61	63	64	64	65	65	69	68	70	72	69
Debt Securities Held To Maturity Allowance For Cre…	0	0	0	0	0	0	0	0	0	0	0	-
Common Stock Par Or Stated Value Per Share	2	2	2	2	2	2	2	2	2	2	2	2
Common Stock Shares Authorized	25	25	25	25	25	25	25	25	25	25	25	25
Common Stock Shares Issued	10	10	10	10	10	10	10	10	7	7	7	7
Shares Outstanding	10	10	10	10	10	10	10	10	7	7	7	7

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Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2026	1.15%	14.13%	18.23%	-	-	-	-	-	-	-	-	-
2025	-1.01%	9.01%	-4.26%	9.35%	-1.04%	-8.00%	7.74%	4.41%	12.88%	9.98%	13.03%	15.70%
2024	3.52%	20.92%	34.06%	10.37%	7.68%	7.05%	6.09%	-3.08%	-0.50%	-4.78%	10.93%	8.00%
2023	-	-	-	-4.75%	-14.55%	-16.53%	8.82%	20.41%	16.95%	-7.01%	-4.90%	-5.38%
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Performance and Valuation Metrics

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Metrics	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Leverage & Debt
Interest Coverage TTM	-0.59	-0.57	-0.56	-0.61	-0.75	-0.83	-0.59	-0.12	0.76	1.38	1.52	1.77
Per Share Metrics
Diluted EPS TTM	5.66	5.88	5.88	5.28	3.34	2.00	0.99	0.60	2.41	3.28	3.83	4.62
Free Cash Flow Per Share TTM	4.49	4.12	4.34	3.56	4.02	3.30	2.75	3.07	2.63	4.01	3.88	4.02
Dividend Per Share TTM	2.48	2.47	2.47	2.46	2.46	2.14	1.81	1.48	1.64	1.65	1.66	1.65
Margin Metrics
Gross Profit Margin TTM	-18.09%	-583.23%	-588.32%	-531.30%	-703.80%	-800.77%	-780.89%	-1,132.11%	-1,066.55%	-1,308.23%	-861.84%	19,784.82%
Operating Profit Margin TTM	90.79%	534.37%	530.43%	410.95%	310.16%	207.91%	78.13%	85.37%	265.61%	467.45%	420.56%	-15,218.68%
Net Profit Margin TTM	73.11%	434.33%	434.62%	345.84%	264.78%	182.96%	78.41%	75.07%	228.05%	395.83%	354.30%	-12,797.28%
Growth Metrics
Net Revenue Growth (1Y)	509.87%	23.85%	25.65%	91.51%	69.57%	86.36%	40.24%	-3,231.13%	-2,881.11%	375.18%	701.66%	-114.43%
Net Income Growth (1Y)	68.39%	194.02%	596.48%	782.27%	96.89%	-13.87%	-68.96%	-81.63%	-52.58%	-35.44%	-28.12%	-27.50%
EPS Growth (1Y)	68.13%	193.58%	596.21%	782.28%	39.02%	-39.18%	-78.13%	-87.06%	-52.09%	-34.58%	-26.92%	-26.25%
Valuation Metrics
P/E TTM	11.70	8.97	8.05	8.81	13.98	20.92	56.03	71.44	17.06	11.76	11.15	7.57
P/B TTM	1.24	1.01	0.92	0.92	0.95	0.87	1.02	0.91	0.86	0.81	0.90	0.77
P/S TTM	8.56	38.94	34.98	30.47	37.02	38.27	43.93	53.63	38.91	46.57	39.52	-968.94
Market Cap	664.39M	528.30M	476.41M	469.50M	471.33M	419.25M	476.15M	431.57M	292.21M	273.73M	305.39M	249.02M
Enterprise Value	493.47M	379.01M	240.15M	365.88M	371.93M	356.98M	356.20M	183.44M	346.50M	184.02M	135.61M	21.50M
Calculated Values
Free Cash Flow TTM	44.91M	41.25M	43.34M	35.62M	40.17M	33.01M	27.45M	30.65M	18.59M	28.29M	27.33M	28.30M
Net Debt	-170.92M	-149.29M	-236.26M	-103.61M	-99.40M	-62.26M	-119.95M	-248.12M	54.29M	-89.71M	-169.78M	-227.52M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
NCAV
NCAV Per Share TTM
Valuation Ratios
P/CF TTM
PEG Ratio
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
EV Revenue TTM
EV FCF TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2025-08-15Purchase

Owner: Lochen, Richard S Jr

Title: -

Shares: 100

Price/Share: $50.10

Value: $5,010.00

Shares Owned: 18,419

Relationship: Director

Ownership: Direct

2025-08-06Purchase

Owner: Lochen, Richard S Jr

Title: -

Shares: 1,000

Price/Share: $47.67

Value: $47,670.00

Shares Owned: 18,319

Relationship: Director

Ownership: Direct

2025-03-05Purchase

Owner: Lochen, Richard S Jr

Title: -

Shares: 1,000

Price/Share: $47.12

Value: $47,120.00

Shares Owned: 17,129

Relationship: Director

Ownership: Direct

2024-11-27Sale

Owner: Best, Craig W

Title: CEO

Shares: 2,500

Price/Share: $57.01

Value: $142,525.00

Shares Owned: 4,726

Relationship: Director,Officer

Ownership: Indirect

2024-11-21Sale

Owner: Best, Craig W

Title: CEO

Shares: 4,341

Price/Share: $54.00

Value: $234,414.00

Shares Owned: 7,226

Relationship: Director,Officer

Ownership: Indirect

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2025-08-15	Lochen, Richard S Jr	Director	-	Direct	Purchase	100	50.10	$5,010.00	18,419	4
2025-08-06	Lochen, Richard S Jr	Director	-	Direct	Purchase	1,000	47.67	$47,670.00	18,319	4
2025-03-05	Lochen, Richard S Jr	Director	-	Direct	Purchase	1,000	47.12	$47,120.00	17,129	4
2024-11-27	Best, Craig W	Director,Officer	CEO	Indirect	Sale	2,500	57.01	$142,525.00	4,726	4
2024-11-21	Best, Craig W	Director,Officer	CEO	Indirect	Sale	4,341	54.00	$234,414.00	7,226	4
2024-11-13	Best, Craig W	Director,Officer	CEO	Indirect	Sale	659	54.00	$35,586.00	11,567	4
2024-08-07	Lochen, Richard S Jr	Director	-	Direct	Purchase	122	43.54	$5,311.88	15,677	4
2024-08-05	Lochen, Richard S Jr	Director	-	Direct	Purchase	1,000	43.88	$43,880.00	15,555	4
2024-07-30	Conaboy, William P	Director	-	Direct	Purchase	2,208	48.78	$107,706.24	3,246	4
2024-07-30	Kukuchka, Ronald G	Director	-	Direct	Purchase	482	49.36	$23,791.52	32,312	4
2024-01-11	Bodnyk, Sandra	Director	-	Direct	Purchase	300	0.00	$0.00	4,885	4
2023-05-24	Ramirez, Elisa Z	Director	-	Indirect	Purchase	1,250	40.06	$50,075.00	2,680	4/A
2023-05-24	Ramirez, Elisa Z	Director	-	Indirect	Purchase	100	40.06	$4,006.00	100	4
2023-05-17	Wright, Joseph T Jr	Director	-	Direct	Purchase	2,378	37.00	$87,986.00	41,811	4
2023-05-16	Aubrey, William E Ii	Director	-	Direct	Purchase	2,715	38.46	$104,418.90	55,000	4
2023-05-16	Tulaney, Thomas P	Officer	President & Chief Oper Officer	Direct	Purchase	1,000	37.45	$37,450.00	18,040	4
2023-05-15	Lochen, Richard S Jr	Director	-	Direct	Purchase	1,000	37.00	$37,000.00	13,843	4
2023-05-15	Kukuchka, Ronald G	Director	-	Direct	Purchase	2,500	37.00	$92,500.00	30,838	4
2023-02-09	Lochen, Richard S Jr	Director	-	Direct	Purchase	627	53.10	$33,293.70	12,943	4
2023-02-02	Ramirez, Elisa Z	Director	-	Direct	Purchase	400	51.53	$20,612.00	2,215	4
2022-11-28	Lochen, Richard S Jr	Director	-	Indirect	Purchase	230	56.10	$12,903.00	3,986	4
2022-09-16	Ramirez, Elisa Z	Director	-	Direct	Purchase	500	49.63	$24,815.00	1,530	4
2022-09-01	Tulaney, Thomas P	Officer	President & COO	Indirect	Purchase	1,000	48.50	$48,500.00	15,827	4
2022-09-01	Aubrey, William E Ii	Director	-	Direct	Purchase	1,356	48.50	$65,766.00	52,000	4
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Institutional Ownership

No data available for chart

2026-03-31

30.58%

Inst. Shares: 3,060,963

Shares Outstanding: 10,010,488

2025-12-31

30.30%

Inst. Shares: 3,027,874

Shares Outstanding: 9,994,595

2025-09-30

30.71%

Inst. Shares: 3,069,319

Shares Outstanding: 9,994,595

2025-06-30

30.88%

Inst. Shares: 3,086,772

Shares Outstanding: 9,994,696

2025-03-31

30.62%

Inst. Shares: 3,060,378

Shares Outstanding: 9,995,483

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2026-03-31	3,060,963	10,010,488	30.58%
2025-12-31	3,027,874	9,994,595	30.30%
2025-09-30	3,069,319	9,994,595	30.71%
2025-06-30	3,086,772	9,994,696	30.88%
2025-03-31	3,060,378	9,995,483	30.62%
2024-12-31	2,962,185	9,990,724	29.65%
2024-09-30	2,867,376	9,994,648	28.69%
2024-06-30	2,337,667	7,057,258	33.12%
2024-03-31	2,160,950	7,057,258	30.62%
2023-12-31	2,152,399	7,040,852	30.57%
2023-09-30	2,043,019	7,040,852	29.02%
2023-06-30	2,132,309	7,130,409	29.90%
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PEOPLES FINANCIAL SERVICES CORP. (PFIS) — SEC Financial Statements & Analysis

PEOPLES FINANCIAL SERVICES CORP. (PFIS) is a national commercial banks company, incorporated in PA. PEOPLES FINANCIAL SERVICES CORP. trades on Nasdaq as: PFIS. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), PEOPLES FINANCIAL SERVICES CORP. reported a 509.87% year-over-year revenue growth, a Gross Profit Margin of -18.09% (TTM), a Price-to-Sales (P/S) ratio of 8.56x (TTM), a Price-to-Book (P/B) ratio of 1.24x (TTM), at a market cap of $664.39M. Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y: 509.87%
Gross Profit Margin TTM: -18.09%
P/S TTM: 8.56x
P/B TTM: 1.24x
Market Cap: $664.39M

Data as of 2026-06-30 · Source: SEC EDGAR

Frequently Asked Questions

What industry is PEOPLES FINANCIAL SERVICES CORP. in?

PEOPLES FINANCIAL SERVICES CORP. (PFIS) operates in the National Commercial Banks industry.

What is PFIS's market cap?

PEOPLES FINANCIAL SERVICES CORP. (PFIS) has a market capitalization of $664.39M as of 2026-06-30.

What is PFIS's P/E ratio?

PEOPLES FINANCIAL SERVICES CORP. (PFIS)'s trailing twelve month P/E ratio is 11.70x as of 2026-06-30.

What exchange does PFIS trade on?

PEOPLES FINANCIAL SERVICES CORP. (PFIS) trades on the Nasdaq.

Where is PEOPLES FINANCIAL SERVICES CORP. incorporated?

PEOPLES FINANCIAL SERVICES CORP. is incorporated in PA.