PEOPLES FINANCIAL SERVICES CORP.PFIS

Market cap

$525.12M

P/E ratio

	Dec 31, 2011	Dec 31, 2013	Dec 31, 2014	Dec 31, 2015	Dec 31, 2016	Dec 31, 2017	Dec 31, 2018	Dec 31, 2019	Dec 31, 2020	Dec 31, 2021	Dec 31, 2022	Dec 31, 2023	Dec 31, 2024
Taxable	-	-	-	-	60	65	74	82	84	82	96	129	185
Tax-exempt	1	2	2	2	3	3	4	4	4	4	5	6	7
Taxable	3	2	4	3	3	3	4	4	5	5	8	8	13
Tax-exempt	2	3	3	3	3	3	3	2	1	2	2	2	2
Dividends	0	0	0	0	0	0	0	0	0	0	0	0	0
Interest on interest-bearing deposits in other banks	0	0	0	0	0	0	0	0	0	0	0	0	0
Interest on federal funds sold	0	0	0	0	-	-	-	0	0	0	0	5	4
Total interest income	27	37	64	63	69	74	85	93	94	94	111	150	211
Interest on deposits	4	3	5	5	5	6	9	15	12	7	13	59	88
Interest on short-term borrowings	0	0	0	0	0	1	3	2	1	0	1	2	2
Interest on long-term debt	-	-	-	-	-	-	-	-	1	0	0	1	3
Interest on subordinated debt	-	-	-	-	-	-	-	-	1	2	2	2	2
Interest on junior subordinated debt	-	-	-	-	-	-	-	-	-	-	-	-	0
Total interest expense	-	-	-	-	-	-	-	-	-	-	-	-	95
Net interest income	22	33	57	57	62	66	71	76	80	85	96	87	116
Provision for Other Credit Losses	-	-	-	-	-	-	-	-	-	-	-	1	19
Net interest income after provision for (credit to) credit losses	20	31	54	53	57	61	67	69	72	83	96	86	97
Bank Servicing	-	-	-	-	-	-	8	9	7	6	7	8	11
Credit Card	-	-	-	-	-	-	1	1	1	1	1	1	1
Commission and fees on fiduciary activities	-	-	-	-	-	-	2	2	2	2	2	2	2
Wealth management income	-	-	-	-	-	-	1	2	1	2	1	2	2
Mortgage banking income	0	0	1	1	1	1	1	1	2	1	1	0	0
Bank Owned Life Insurance Income	0	-	-	-	-	-	-	-	1	1	1	1	2
Interest rate swap gain	-	-	-	-	-	-	-	-	2	1	1	0	0
Equity Securities, FV-NI, Gain (Loss)	-	-	-	-	-	-	0	0	-0	0	-0	-0	0
Debt Securities, Gain (Loss)	-	-	-	-	-	-	-	0	1	-	-2	0	0
Total noninterest income	6	12	15	16	16	17	14	15	17	26	12	14	18
Labor and Related Expense	6	16	21	22	22	27	28	31	30	30	34	35	46
Occupancy, Net	3	4	8	9	9	10	11	12	13	13	17	17	22
Acquisition related expenses	-	5	2	-	-	-	-	-	-	-	-	2	16
Amortization of CDI and other intangibles	-	0	1	1	1	1	1	1	1	0	0	0	3
Professional Fees	-	-	-	-	-	2	2	2	2	2	3	3	3
FDIC insurance and assessments	0	0	-	-	-	-	1	1	1	1	1	2	3
Donations	-	-	-	-	-	1	1	1	1	1	1	2	2
Other expenses	6	9	12	12	12	8	7	8	7	7	7	7	11
Total noninterest expense	15	36	46	47	48	51	52	56	55	55	63	68	107
Income before income taxes	-	-	-	-	25	27	28	29	34	54	45	33	8
Income Tax Expense (Benefit)	2	0	5	5	5	8	3	3	5	10	7	5	-0
Net income	8	6	18	18	20	18	25	26	29	44	38	27	8
Unrealized gain (loss) on investment securities available for sale	7	-4	4	-1	-3	-2	-2	5	9	-11	-66	15	3
Reclassification adjustment for net gain (loss) on sales included in net income	-	0	1	1	1	-	-	0	1	-	-2	0	0
Change in benefit plan liabilities	-	-4	4	0	-1	-0	1	-1	1	-2	-0	-1	-2
Change in derivative fair value	-	-	-	-	-	-	0	-	0	-0	-1	-1	1
Other comprehensive income (loss)	-	-	-	-	-	-	-	6	7	-10	-65	15	5
Other Comprehensive Income (Loss), Tax, Portion Attributable to Parent	-	-	-	-	-	-	-	1	1	-2	-14	3	1
Other comprehensive income (loss), net of income tax expense (benefit)	4	-0	-0	-1	-	-	-	5	5	-8	-51	12	4
Comprehensive income (loss)	12	5	18	16	18	18	24	31	35	36	-13	39	12
Basic	2.49	1.21	2.34	2.36	2.65	2.5	3.37	3.48	4.02	6.05	5.31	3.85	1
Diluted	2.49	1.21	2.34	2.36	2.65	2.5	3.37	3.48	4	6.02	5.28	3.83	0.99
Dividends declared	0.8	1.23	1.24	1.24	1.24	1.26	1.31	1.37	1.44	1.5	1.58	1.64	2.06