Peoples Financial Services Corp.

Peoples Financial Services Corp.

PFISยทNASDAQ

$57.46

-3.0%
Financial ServicesBanks - Regional

Peoples Financial Services Corp. operates as the bank holding company for Peoples Security Bank and Trust Company that provides various commercial and retail banking services. The company accepts money market, NOW, savings, individual retirement, demand deposit, and certificates of deposit accounts. It also provides residential real estate, automobile, manufactured housing, personal, and home equity loans; and commercial real estate, working capital, construction, small business administration, and agricultural loans, as well as loans for equipment and other commercial needs, and mineral rights. In addition, the company offers investment management, IRA trustee, estate administration, living and life insurance trust, trustee under will, guardianship, custodial/IRA custodial, and corporate trust services, as well as pension and profit sharing plans. Further, it provides investment portfolio management, estate and business succession planning, annuities, insurance, retirement plan, and tax planning, as well as education funding strategies; and securities and brokerage, and investor services. Additionally, the company offers small business checking and merchant money market accounts, online and telephone banking, business credit cards, merchant line of credit, and financial checkup services; and remote deposit capture, automatic clearing house transaction, cash management, automated teller machine, point of sale transaction, safe deposit box, night depository, direct deposit, and official check services. It serves business, non-profit, governmental, municipal agency, and professional customers, as well as retail customers through 28 full-service community banking offices located in Allegheny, Bucks, Lackawanna, Lebanon, Lehigh, Luzerne, Monroe, Montgomery, Northampton, Susquehanna, and Wyoming Counties of Pennsylvania; Middlesex County of New Jersey; and Broome County of New York. The company was founded in 1905 and is headquartered in Scranton, Pennsylvania.

At a Glance

Live Snapshot
Market Cap$575.23M
EPS5.9200
P/E Ratio9.71
Earnings Date07/30/2026
3Y+28.0%
5Y+46.0%
10Y+93.0%
3Y-95.0%
5Y-88.0%
10Y-87.0%
3Y-44.0%
5Y-71.0%
10Y-38.0%
PFIS

Peoples Financial Services Corp. Cash Conversion Engine

PFIS ยท NASDAQ
Net Income59.19M
Depreciation & Amortization0.00
Stock-Based Compensation0.00
Change in Working Capital-3.47M
Others-1.44M
Capital Expenditures-10.93M
Free Cash Flow43.34M

Cash Flow Quality Analysis

FCF Conversion Rate

73.2%

Moderate conversion rate. Some gap between earnings and cash flow may warrant investigation into working capital or non-cash items.

CapEx Intensity

20.1%

Moderate capital requirements typical of many stable businesses. Healthy balance between reinvestment and cash generation.

FCF Growth Trend

+38.3%

Strong FCF growth demonstrates improving cash generation and business momentum. Positive signal for sustainability.

Working Capital Impact

-$3.47M

Minimal working capital impact on FCF. Changes in operating assets and liabilities well-managed.

Cash Flow Quality Insight

Solid cash generation: Positive free cash flow with reasonable earnings quality provides financial flexibility for growth investments, debt reduction, or shareholder returns.

Peoples Financial Services Corp. Cash Flow Statement

PFIS โ€ข NASDAQ

Peoples Financial Services Corp. Cash Flow StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 2006
OPERATING ACTIVITIES
59.2M
8.5M
27.4M
38.1M
43.5M
29.4M
25.7M
24.9M
18.5M
19.6M
17.7M
17.6M
5.7M
10.6M
10.5M
6.5M
5M
3M
4.9M
4.1M
0.0
7.2M
3.5M
4M
3.6M
4.3M
4.2M
3.2M
3M
2.8M
2.8M
3M
1.3M
1.1M
746K
977K
954K
871K
1.5M
1.3M
0.0
-3.6M
1.3M
611K
450K
-1.8M
394K
-681K
1.7M
-1.4M
-841K
1.4M
-1M
353K
217K
-188K
1.5M
-1.7M
-83K
14K
0.0
786K
888K
534K
546K
570K
554K
272K
177K
71K
69K
70K
25K
40K
0.0
0.0
0.0
0.0
0.0
0.0
-1.4M
9.5M
1.3M
3.5M
-9.8M
5.3M
6.9M
5.3M
5.8M
8.6M
10.7M
4.7M
1.8M
-328K
1.7M
2M
1.2M
6.1M
425K
2.9M
(7.6M)
(1.9M)
(3.5M)
(10M)
(6.7M)
(6.3M)
(4.6M)
(2.7M)
(5.9M)
(5.9M)
(4.2M)
(5M)
(2.7M)
(2.3M)
(2.3M)
(354K)
(815K)
(0.0)
(0.0)
(0.0)
-3.5M
11.6M
-1.1M
-4.4M
2.4M
-534K
-758K
-401K
-467K
-1.6M
-1.3M
-2.6M
5.3M
-230K
729K
1.9M
-4.6M
-20K
355K
-2.7M
54.3M
33.9M
33.3M
42.4M
40.8M
37.2M
37.1M
32.6M
28.6M
28.1M
29.2M
24.2M
13.1M
11.5M
13.9M
11.2M
4.2M
8.2M
7.1M
5.7M
INVESTING ACTIVITIES
(0.0)
-2.6M
-5.9M
-7.8M
-4.9M
-2.3M
-5.6M
-4.1M
-6.2M
-6.8M
-4.4M
-1.1M
-614K
-2.9M
-739K
-1.4M
-658K
-2.3M
-325K
-956K
(0.0)
(28.1M)
(0.0)
(0.0)
(12.2M)
(0.0)
(0.0)
(0.0)
(2.3M)
(0.0)
(0.0)
(0.0)
(22.4M)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
-4.8M
(0.0)
-138.7M
-358.6M
-107.2M
-124.5M
-32.7M
-73.5M
-64.1M
-93.5M
-103.7M
-25.5M
-46.3M
-28.3M
-73.3M
-90.5M
-71.6M
-81.2M
-74M
0.0
307.4M
98.9M
90.4M
60.4M
150.2M
67.9M
32M
57M
82.1M
142.8M
65.1M
34.2M
61.1M
58.5M
84.6M
70.4M
63.8M
76.7M
73.5M
-24.4M
59M
-118.7M
-411.7M
-149.2M
-241.9M
-122.5M
-130M
-164.2M
-197.6M
-134.4M
-34.8M
-48.6M
8.9M
-18.3M
-55.4M
-20.6M
-25.4M
-19.9M
-18.7M
-24.4M
(387.1M)
-25.8M
-467.8M
-440.1M
-201.2M
-184.7M
-134.8M
-184.6M
-186.4M
-89.4M
-74.4M
-18.2M
(20.7M)
(11.2M)
-45.5M
-41.3M
-36.2M
-24.7M
-20.1M
FINANCING ACTIVITIES
0.0
0.0
-5.9M
-1.3M
-2.4M
-6.9M
-634K
0.0
0.0
-604K
-5.2M
-109K
0.0
0.0
-676K
117K
85K
-272K
69K
-682K
102.1M
-154.7M
-72.9M
112.8M
-62.1M
-87.1M
60.5M
-49M
32.6M
42.2M
46M
-6.1M
-14.9M
-14.8M
-28.7M
6.9M
1.1M
-3.3M
12.3M
-3.5M
-24.6M
-18.1M
-11.7M
-11.3M
-10.8M
-10.5M
-10.1M
-9.7M
-9.3M
-9.2M
-9.3M
-9.4M
-5.5M
-5.5M
-5.5M
-2.5M
-2.4M
-2.4M
-2.4M
-2.4M
(0.0)
(0.0)
-5.9M
-1.3M
-2.4M
-6.9M
-634K
(0.0)
(0.0)
-604K
-5.2M
-109K
(0.0)
(0.0)
-835K
(0.0)
(0.0)
-506K
(0.0)
-783K
25.8M
-299.8M
232.4M
83.2M
526.3M
465.6M
96.5M
156M
130.3M
132.9M
30.3M
45.9M
28.9M
1.4M
30M
28.7M
38.8M
43.8M
3.8M
26.7M
103.3M
-472.6M
142M
183.4M
451.1M
361.1M
146.2M
97.3M
153.5M
165.3M
61.7M
30.4M
8.6M
-18.9M
-4.9M
33.2M
37.5M
37.9M
13.8M
20.1M
CASH FLOW SUMMARY
133.1M
-51.5M
149.5M
-242.1M
51.7M
197M
-1.5M
-4.9M
-2.5M
7M
1.5M
-19.9M
3.5M
13.4M
20.3M
-1.1M
382K
9.9M
-3.8M
5.7M
135.9M
187.4M
37.9M
279.9M
228.2M
31.2M
32.6M
37.5M
39.9M
32.9M
31.4M
51.3M
47.8M
34.5M
14.2M
18.9M
18.5M
8.6M
12.4M
6.7M
269M
135.9M
187.4M
37.9M
279.9M
228.2M
31.2M
32.6M
37.5M
39.9M
32.9M
31.4M
51.3M
47.8M
34.5M
17.8M
18.9M
18.5M
8.6M
12.4M
43.3M
31.3M
27.3M
34.5M
35.9M
34.9M
31.5M
28.6M
22.3M
21.3M
24.8M
23.1M
12.4M
8.6M
13.2M
9.8M
3.5M
5.9M
6.8M
4.7M

SEC Filings

PFIS - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
8-K

8-K 2026

N/A

May 27, 2026
May 22, 2026
2026
8-K

8-K 2026

N/A

May 15, 2026
May 15, 2026
2026
10-Q

10-Q 2026 Q1

Q1

May 08, 2026
March 31, 2026
2026
8-K

8-K 2026

N/A

April 30, 2026
April 30, 2026
2026
DEF 14A

DEF 14A 2026

N/A

April 10, 2026
May 22, 2026
2026
8-K

8-K 2026

N/A

April 02, 2026
March 27, 2026
2026
8-K

8-K 2026

N/A

March 16, 2026
March 16, 2026
2026
10-K

10-K 2025 FY

FY

March 16, 2026
December 31, 2025
2025
8-K

8-K 2026

N/A

January 30, 2026
January 30, 2026
2026
8-K

8-K 2026

N/A

January 30, 2026
January 30, 2026
2026
Showing 1 to 10 of 418 filings