PEOPLES FINANCIAL SERVICES (PFIS) Stock Fundamental Analysis
NASDAQ:PFIS - Nasdaq - US7110401053 - Common Stock - Currency: USD
Taking everything into account, PFIS scores 4 out of 10 in our fundamental rating. PFIS was compared to 405 industry peers in the Banks industry. PFIS may be in some trouble as it scores bad on both profitability and health. PFIS is not valued too expensively and it also shows a decent growth rate. Finally PFIS also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
PFIS had positive earnings in the past year.
In the past year PFIS had a positive cash flow from operations.
PFIS had positive earnings in each of the past 5 years.
PFIS had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
PFIS has a Return On Assets of 0.11%. This is amonst the worse of the industry: PFIS underperforms 88.97% of its industry peers.
PFIS's Return On Equity of 1.27% is on the low side compared to the rest of the industry. PFIS is outperformed by 88.72% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.11% | ||
| ROE | 1.27% | ||
| ROIC | N/A |
ROA(3y)0.66%
ROA(5y)0.86%
ROE(3y)7.31%
ROE(5y)8.8%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
Looking at the Profit Margin, with a value of 5.32%, PFIS is doing worse than 87.72% of the companies in the same industry.
PFIS's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for PFIS so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 5.32% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-45.68%
PM growth 5Y-25.93%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
PFIS does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for PFIS has been increased compared to 1 year ago.
The number of shares outstanding for PFIS has been increased compared to 5 years ago.
PFIS has a better debt/assets ratio than last year.
2.2 Solvency
PFIS has a debt to FCF ratio of 1.19. This is a very positive value and a sign of high solvency as it would only need 1.19 years to pay back of all of its debts.
With a decent Debt to FCF ratio value of 1.19, PFIS is doing good in the industry, outperforming 74.44% of the companies in the same industry.
A Debt/Equity ratio of 0.09 indicates that PFIS is not too dependend on debt financing.
PFIS's Debt to Equity ratio of 0.09 is fine compared to the rest of the industry. PFIS outperforms 76.19% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.09 | ||
| Debt/FCF | 1.19 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.48%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for PFIS have decreased by -6.52% in the last year.
PFIS shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -22.23% yearly.
PFIS shows a strong growth in Revenue. In the last year, the Revenue has grown by 33.24%.
PFIS shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 8.19% yearly.
EPS 1Y (TTM)-6.52%
EPS 3Y-45.28%
EPS 5Y-22.23%
EPS Q2Q%62.3%
Revenue 1Y (TTM)33.24%
Revenue growth 3Y6.82%
Revenue growth 5Y8.19%
Sales Q2Q%86.19%
3.2 Future
Based on estimates for the next years, PFIS will show a very strong growth in Earnings Per Share. The EPS will grow by 30.16% on average per year.
Based on estimates for the next years, PFIS will show a quite strong growth in Revenue. The Revenue will grow by 18.78% on average per year.
EPS Next Y46.37%
EPS Next 2Y30.16%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year32.33%
Revenue Next 2Y18.78%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 13.06, which indicates a correct valuation of PFIS.
Compared to the rest of the industry, the Price/Earnings ratio of PFIS is on the same level as its industry peers.
PFIS is valuated cheaply when we compare the Price/Earnings ratio to 29.62, which is the current average of the S&P500 Index.
PFIS is valuated reasonably with a Price/Forward Earnings ratio of 8.93.
Based on the Price/Forward Earnings ratio, PFIS is valued cheaper than 85.46% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.70, PFIS is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.06 | ||
| Fwd PE | 8.93 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of PFIS is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.31 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as PFIS's earnings are expected to grow with 30.16% in the coming years.
PEG (NY)0.28
PEG (5Y)N/A
EPS Next 2Y30.16%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.92%, PFIS is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.19, PFIS pays a better dividend. On top of this PFIS pays more dividend than 90.73% of the companies listed in the same industry.
PFIS's Dividend Yield is rather good when compared to the S&P500 average which is at 2.27.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.92% |
5.2 History
The dividend of PFIS has a limited annual growth rate of 4.57%.
PFIS has been paying a dividend for at least 10 years, so it has a reliable track record.
PFIS has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)4.57%
Div Incr Years8
Div Non Decr Years22
5.3 Sustainability
PFIS pays out 245.47% of its income as dividend. This is not a sustainable payout ratio.
The dividend of PFIS is growing, but earnings are growing more, so the dividend growth is sustainable.
DP245.47%
EPS Next 2Y30.16%
EPS Next 3YN/A
49.25
-1 (-1.99%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners31.02%
Inst Owner Change-89.74%
Ins Owners7%
Ins Owner Change0.33%
Market Cap492.01M
Analysts82.5
Price Target61.2 (24.26%)
Short Float %0.55%
Short Ratio1.78
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.92% |
Yearly Dividend1.64
Dividend Growth(5Y)4.57%
DP245.47%
Div Incr Years8
Div Non Decr Years22
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)30.4%
Min EPS beat(2)11.24%
Max EPS beat(2)49.57%
EPS beat(4)2
Avg EPS beat(4)2.53%
Min EPS beat(4)-34.28%
Max EPS beat(4)49.57%
EPS beat(8)6
Avg EPS beat(8)6.06%
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)0
Avg Revenue beat(2)-15.58%
Min Revenue beat(2)-24.85%
Max Revenue beat(2)-6.31%
Revenue beat(4)0
Avg Revenue beat(4)-11.11%
Min Revenue beat(4)-24.85%
Max Revenue beat(4)-5.01%
Revenue beat(8)0
Avg Revenue beat(8)-8.72%
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)18.81%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)-8.54%
EPS NY rev (3m)2.85%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)-1.96%
Revenue NY rev (3m)8.89%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.06 | ||
| Fwd PE | 8.93 | ||
| P/S | 4.33 | ||
| P/FCF | 14.31 | ||
| P/OCF | 12.44 | ||
| P/B | 1.04 | ||
| P/tB | 1.36 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.77
EY7.65%
EPS(NY)5.52
Fwd EY11.2%
FCF(TTM)3.44
FCFY6.99%
OCF(TTM)3.96
OCFY8.04%
SpS11.37
BVpS47.55
TBVpS36.17
PEG (NY)0.28
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.11% | ||
| ROE | 1.27% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 5.32% | ||
| GM | N/A | ||
| FCFM | 30.27% |
ROA(3y)0.66%
ROA(5y)0.86%
ROE(3y)7.31%
ROE(5y)8.8%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-45.68%
PM growth 5Y-25.93%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.02
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.09 | ||
| Debt/FCF | 1.19 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 91.97% | ||
| Cap/Sales | 4.53% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 569.31% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score4
WACC15.48%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-6.52%
EPS 3Y-45.28%
EPS 5Y-22.23%
EPS Q2Q%62.3%
EPS Next Y46.37%
EPS Next 2Y30.16%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)33.24%
Revenue growth 3Y6.82%
Revenue growth 5Y8.19%
Sales Q2Q%86.19%
Revenue Next Year32.33%
Revenue Next 2Y18.78%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y21.53%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y8.52%
OCF growth 3YN/A
OCF growth 5YN/A