Financials Peoples Financial Services Corp.

Equities

PFIS

US7110401053

Banks

Real-time Estimate Cboe BZX 18:26:30 17/05/2024 BST 5-day change 1st Jan Change
41.44 USD +1.68% Intraday chart for Peoples Financial Services Corp. +7.09% -15.01%

Valuation

Fiscal Period: December 2021 2022 2023 2024 2025
Capitalization 1 377.9 371.3 342.9 287.6 -
Enterprise Value (EV) 1 377.9 371.3 342.9 287.6 287.6
P/E ratio 8.75 x 9.82 x 12.7 x 49.1 x 7.93 x
Yield - - 3.37% 8.07% 6.06%
Capitalization / Revenue - 3.45 x 3.4 x 2.34 x 1.76 x
EV / Revenue - 3.45 x 3.4 x 2.34 x 1.76 x
EV / EBITDA - - - - -
EV / FCF - - - - -
FCF Yield - - - - -
Price to Book - - 1.01 x 0.91 x 0.86 x
Nbr of stocks (in thousands) 7,173 7,163 7,041 7,057 -
Reference price 2 52.69 51.84 48.70 40.75 40.75
Announcement Date 31/01/22 26/01/23 25/01/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2021 2022 2023 2024 2025
Net sales 1 - 107.6 100.9 123 163.6
EBITDA - - - - -
EBIT 1 - - 33.07 35.85 59.65
Operating Margin - - 32.78% 29.13% 36.45%
Earnings before Tax (EBT) 1 - 45.37 32.5 7.1 61.5
Net income 1 43.52 38.09 27.38 5.45 51.2
Net margin - 35.4% 27.14% 4.43% 31.29%
EPS 2 6.020 5.280 3.830 0.8300 5.140
Free Cash Flow - - - - -
FCF margin - - - - -
FCF Conversion (EBITDA) - - - - -
FCF Conversion (Net income) - - - - -
Dividend per Share 2 - - 1.640 3.290 2.470
Announcement Date 31/01/22 26/01/23 25/01/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1 2025 Q2
Net sales 1 26.05 27.59 28.32 25.64 26.72 25.65 24.97 23.48 22.72 23.5 37 39.55 39.6 40.55
EBITDA - - - - - - - - - - - - - -
EBIT 1 - - - - - - 7.915 5.886 5.614 6.2 12.8 15 15 16.3
Operating Margin - - - - - - 31.7% 25.06% 24.71% 26.38% 34.59% 37.93% 37.88% 40.2%
Earnings before Tax (EBT) 1 11.46 11.14 11.93 10.83 8.968 11.24 8.081 4.217 3.944 4.5 -16.2 13.55 14 15.15
Net income 1 9.63 9.353 9.968 9.139 7.579 9.425 6.746 3.63 3.466 3.7 -12.95 11.25 11.55 12.8
Net margin 36.96% 33.9% 35.2% 35.64% 28.37% 36.75% 27.02% 15.46% 15.26% 15.74% -35% 28.45% 29.17% 31.57%
EPS 2 1.330 1.300 1.380 1.270 1.050 1.310 0.9500 0.5100 0.4900 0.5200 -1.305 1.130 1.155 1.290
Dividend per Share 2 - - - - - - 0.4100 0.4100 - 1.640 0.6200 0.6200 0.6200 0.6200
Announcement Date 26/04/22 21/07/22 20/10/22 26/01/23 27/04/23 25/07/23 30/10/23 25/01/24 25/04/24 - - - - -
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2021 2022 2023 2024 2025
Net Debt - - - - -
Net Cash position - - - - -
Leverage (Debt/EBITDA) - - - - -
Free Cash Flow - - - - -
ROE (net income / shareholders' equity) - 12.4% 8.76% 1.5% 10.8%
ROA (Net income/ Total Assets) - 1.16% 0.78% 0.71% 0.98%
Assets 1 - 3,284 3,510 767.6 5,251
Book Value Per Share 2 - - 48.40 44.90 47.40
Cash Flow per Share - - - - -
Capex - - - - -
Capex / Sales - - - - -
Announcement Date 31/01/22 26/01/23 25/01/24 - -
1USD in Million2USD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Trading Rating
Investor Rating
ESG Refinitiv
C
More Ratings
Sell
Consensus
Buy
Mean consensus
HOLD
Number of Analysts
2
Last Close Price
40.75 USD
Average target price
45 USD
Spread / Average Target
+10.43%
Consensus
  1. Stock Market
  2. Equities
  3. PFIS Stock
  4. Financials Peoples Financial Services Corp.