PFIS

MKT CAP:$568M

Peoples Financial Services Corp.

Market Cap

$568M

Financial Services·Banks - Regional·🇺🇸 United States·NASDAQ

Financials·Banks - Regional·🇺🇸·NASDAQ

Stock Price

$56.95+$8.76 (+18.18%)

Apr 24, 2026

Company Details

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 retir...

CEO

Gerard A. Champi

IPO Date

Jun 5, 2002

Website

www.psbt.com

Key Metrics TTM

Revenue

$281M

+22.4% YoY

Net Income

$59M

EPS (Diluted)

$5.87

Free Cash Flow

$43M

Revenue / Share

$27.90

Gross Margin

66.7%

Operating Margin

25.7%

Net Margin

21.0%

FCF Margin

15.4%

P/S

2.0x

P/E

9.6x

Earnings Reports

Q1 2026

Apr 30, 2026

PENDING

FY 2025

Mar 16, 2026

$281M+22.3%EPS $5.88

Q4 2025

Mar 16, 2026

$70M-1.4%EPS $1.19

Q3 2025

Nov 10, 2025

$71M-3.7%EPS $1.51

Q2 2025

Aug 11, 2025

$72M+70.8%EPS $1.68

Revenue & Profitability

Quarter	Revenue	Gross Profit	Operating Income
Q1 22	$28M	$26M	$11M
Q2 22	$30M	$27M	$11M
Q3 22	$33M	$28M	$12M
Q4 22	$33M	$28M	$11M
Q1 23	$38M	$25M	$9M
Q2 23	$40M	$28M	$11M
Q3 23	$42M	$25M	$8M
Q4 23	$43M	$22M	$4M
Q1 24	$42M	$22M	$4M
Q2 24	$42M	$22M	$4M
Q3 24	$74M	$31M	-$5M
Q4 24	$71M	$41M	$6M
Q1 25	$68M	$45M	$18M
Q2 25	$72M	$49M	$20M
Q3 25	$71M	$48M	$19M
Q4 25	$70M	$46M	$15M

Valuation

Quarter	P/S	P/E
Q1 22	3.4x	8.4x
Q2 22	3.6x	9.2x
Q3 22	2.9x	7.6x
Q4 22	2.9x	9.4x
Q1 23	2.3x	8.4x
Q2 23	2.1x	8.5x
Q3 23	1.8x	8.6x
Q4 23	2.0x	12.2x
Q1 24	1.7x	12.5x
Q2 24	1.9x	18.8x
Q3 24	1.6x	54.8x
Q4 24	2.2x	60.3x
Q1 25	1.7x	22.2x
Q2 25	1.7x	14.6x
Q3 25	1.7x	9.1x
Q4 25	1.8x	8.4x

Operating Cash Flow

Quarter	Operating CF	Free CF
Q1 22	$9M	$8M
Q2 22	$10M	$8M
Q3 22	$11M	$9M
Q4 22	$12M	$10M
Q1 23	$5M	$2M
Q2 23	$13M	$11M
Q3 23	$7M	$6M
Q4 23	$9M	$9M
Q1 24	$3M	$3M
Q2 24	$2M	$1M
Q3 24	$22M	$18M
Q4 24	$3M	$6M
Q1 25	$9M	$9M
Q2 25	$14M	$9M
Q3 25	$15M	$13M
Q4 25	$16M	$13M

Capital Expenditures

Quarter	CapEx
Q1 22	$1M
Q2 22	$2M
Q3 22	$3M
Q4 22	$2M
Q1 23	$3M
Q2 23	$2M
Q3 23	$1M
Q4 23	$228.0K
Q1 24	$216.0K
Q2 24	$398.0K
Q3 24	$4M
Q4 24	$2M
Q1 25	$499.0K
Q2 25	$5M
Q3 25	$2M
Q4 25	$3M

CapEx

OpEx vs Revenue Growth (YoY)

Quarter	Revenue Growth	OpEx Growth
Q1 22	+5.4%	+14.5%
Q2 22	+13.8%	+16.1%
Q3 22	+17.4%	+22.5%
Q4 22	+22.7%	+254.8%
Q1 23	+33.4%	+70.6%
Q2 23	+35.2%	+55.8%
Q3 23	+30.5%	+66.8%
Q4 23	+31.7%	+77.3%
Q1 24	+11.7%	+32.7%
Q2 24	+4.0%	+31.5%
Q3 24	+74.2%	+129.7%
Q4 24	+65.1%	+68.1%
Q1 25	+60.4%	+29.4%
Q2 25	+70.8%	+33.7%
Q3 25	-3.7%	-33.6%
Q4 25	-1.4%	-15.1%

Stock-Based Compensation

Quarter	SBC ($)	% of Revenue
Q1 22	-$28.0K	-0.1%
Q2 22	$116.0K	0.4%
Q3 22	$223.0K	0.7%
Q4 22	$223.0K	0.7%
Q1 23	$209.0K	0.6%
Q2 23	$160.0K	0.4%
Q3 23	$259.0K	0.6%
Q4 23	$260.0K	0.6%
Q1 24	$61.0K	0.1%
Q2 24	$287.0K	0.7%
Q3 24	$319.0K	0.4%
Q4 24	$119.0K	0.2%
Q1 25	-$188.0K	-0.3%
Q2 25	-$19.0K	-0.0%
Q3 25	$267.0K	0.4%
Q4 25	$0	0.0%

OpEx Breakdown

Quarter	G&A	S&M
Q1 22	$8M	—
Q2 22	$8M	—
Q3 22	$9M	—
Q4 22	$10M	—
Q1 23	$10M	—
Q2 23	$9M	—
Q3 23	$9M	—
Q4 23	$10M	—
Q1 24	$9M	$566.0K
Q2 24	$9M	—
Q3 24	$14M	—
Q4 24	$17M	—
Q1 25	$1M	$20M
Q2 25	$15M	—
Q3 25	$15M	$1M
Q4 25	$22M	—

War Chest

Quarter	Cash	Short-term Investments	Total
Q1 22	$40M	$535M	$576M
Q2 22	$48M	$514M	$562M
Q3 22	$43M	$478M	$521M
Q4 22	$38M	$478M	$516M
Q1 23	$38M	$418M	$457M
Q2 23	$44M	$396M	$439M
Q3 23	$49M	$382M	$431M
Q4 23	$43M	$399M	$442M
Q1 24	$40M	$394M	$435M
Q2 24	$50M	$385M	$435M
Q3 24	$107M	$562M	$670M
Q4 24	$56M	$268M	$323M
Q1 25	$69M	$259M	$328M
Q2 25	$70M	$281M	$350M
Q3 25	$72M	$303M	$375M
Q4 25	$58M	$201M	$260M

Shares Outstanding

Quarter	Shares (Diluted)	QoQ Change	YoY Change
Q1 22	7M	+0.1%	-0.4%
Q2 22	7M	-0.0%	-0.3%
Q3 22	7M	-0.0%	-0.3%
Q4 22	7M	-0.2%	-0.1%
Q1 23	7M	-0.0%	-0.2%
Q2 23	7M	-0.3%	-0.5%
Q3 23	7M	-0.8%	-1.3%
Q4 23	7M	-0.4%	-1.5%
Q1 24	7M	+0.2%	-1.3%
Q2 24	7M	+0.2%	-0.9%
Q3 24	10M	+41.2%	+41.1%
Q4 24	10M	+0.1%	+41.7%
Q1 25	10M	-0.1%	+41.4%
Q2 25	10M	+0.4%	+41.7%
Q3 25	10M	+0.0%	+0.4%
Q4 25	10M	-0.0%	+0.3%

Shares Outstanding

Revenue Per Employee

Period	Revenue/Employee	Employees
Q1 22	$80.4K	354
Q2 22	$84.2K	354
Q3 22	$91.9K	354
Q4 22	$92.8K	354
Q1 23	$107.2K	354
Q2 23	$113.8K	354
Q3 23	$120.0K	354
Q4 23	$122.3K	354
Q1 24	$119.8K	354
Q2 24	$118.4K	354
Q3 24	$209.1K	354
Q4 24	$139.9K	511
Q1 25	$133.1K	511
Q2 25	$140.1K	511
Q3 25	$139.5K	511
Q4 25	$128.9K	547

Revenue / Employee