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PFIS PEOPLES FINANCIAL SERVICES CORP.

Trailing twelve months to 2026-06-30 · as filed 2026-08-07, not restated
Financials

Scale

Market cap
$690m
Revenue TTM
$195m
Net income TTM
$57m
Free cash flow
$45m
Composite score
47.4
Sector rank
#2233

Valuation

P / E
12.2
EV / EBITDA
EV / sales
4.0
FCF yield
6.51%
Earnings yield vs 10-yr
3.50pp

Earnings yield vs 10-yr compares what the business earns per pound invested against the 4.73% a 10-year US Treasury note pays for no equity risk. Negative means you are paying up front for growth not yet delivered.

Quality and growth

Net margin
29.1%
EBITDA margin
ROE
10.6%
ROIC
Revenue growth
6.5%

Insider activity, last 90 days

Net open-market
$0.00m
Buyers
0
Sellers
0

Open-market purchases and sales only. Grants, option exercises, gifts and shares withheld for tax are excluded: they are how people are paid, not what they think.

What management said

The FTE net interest spread increased to 3.24 percent for the three months ended June 30, 2026, from 3.08 percent for the three months ended June 30, 2025, which was caused by a 20-basis point decrease in the average rate paid on interest-bearing liabilities, partially offset by a 4-basis point decrease in the FTE earning asset yield. The increase in tax-equivalent net interest margin from the year ago same period was primarily due to decreases in average deposit rates, specifically money market demand accounts and time deposits, coupled with higher volumes of earning assets, partially offset by decreases in average loan yields. …PEOPLES FINANCIAL SERVICES CORP., 10-Q, period ended 2026-06-30, filed 2026-08-07

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