InsiderClue
Stocks · Financials · National Commercial Banks

PEOPLES FINANCIAL SERVICES CORP.

PFIS Clue Score47
United States Fiscal year ends December CIK 0001056943
$67.25 -2.63% Close, 9 Oct 2026
Alert on the numbers Alert on insider trades
Price $67.25 +45.82% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 12 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
Net income
Fiscal year 2016Net income19.6EPS, diluted2.65Fiscal year 2017Net income18.5 −5.7%EPS, diluted2.50 −5.7%Fiscal year 2018Net income24.9 +35.0%EPS, diluted3.37 +34.8%Fiscal year 2019Net income25.7 +3.3%EPS, diluted3.47 +3.0%Fiscal year 2020Net income29.4 +14.1%EPS, diluted4.00 +15.3%Fiscal year 2021Net income43.5 +48.3%EPS, diluted6.02 +50.5%Fiscal year 2022Net income38.1 −12.5%EPS, diluted5.28 −12.3%Fiscal year 2023Net income27.4 −28.1%EPS, diluted3.83 −27.5%Fiscal year 2024Net income8.5 −69.0%EPS, diluted0.99 −74.2%Fiscal year 2025Net income59.2 +596.5%EPS, diluted5.88 +493.9%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Net income 19.6 18.5 24.9 25.7 29.4 43.5 38.1 27.4 8.5 59.2
Growth −5.7% +35.0% +3.3% +14.1% +48.3% −12.5% −28.1% −69.0% +596.5%
EPS, diluted 2.65 2.50 3.37 3.47 4.00 6.02 5.28 3.83 0.99 5.88
Growth −5.7% +34.8% +3.0% +15.3% +50.5% −12.3% −27.5% −74.2% +493.9%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2016Operating cash flow28.1Capital expenditure−6.8Free cash flow21.3Dividends paid−9.2Fiscal year 2017Operating cash flow28.6Capital expenditure−6.2Free cash flow22.3 +5.0%Dividends paid−9.3Fiscal year 2018Operating cash flow32.6Capital expenditure−4.1Free cash flow28.6 +27.8%Dividends paid−9.7Fiscal year 2019Operating cash flow37.1Capital expenditure−5.6Free cash flow31.5 +10.2%Dividends paid−10.1Fiscal year 2020Operating cash flow37.2Capital expenditure−2.3Free cash flow34.9 +10.8%Dividends paid−10.5Fiscal year 2021Operating cash flow40.8Capital expenditure−4.9Free cash flow35.9 +2.9%Dividends paid−10.8Fiscal year 2022Operating cash flow42.4Capital expenditure−7.8Free cash flow34.5 −3.8%Dividends paid−11.3Fiscal year 2023Operating cash flow33.3Capital expenditure−5.9Free cash flow27.3 −20.9%Dividends paid−11.7Fiscal year 2024Operating cash flow34.7Capital expenditure−2.6Free cash flow32.2 +17.6%Dividends paid−18.1Fiscal year 2025Operating cash flow54.3Capital expenditure−10.9Free cash flow43.3 +34.8%Dividends paid−24.6
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 28.1 28.6 32.6 37.1 37.2 40.8 42.4 33.3 34.7 54.3
Capital expenditure −6.8 −6.2 −4.1 −5.6 −2.3 −4.9 −7.8 −5.9 −2.6 −10.9
Free cash flow 21.3 22.3 28.6 31.5 34.9 35.9 34.5 27.3 32.2 43.3
Growth +5.0% +27.8% +10.2% +10.8% +2.9% −3.8% −20.9% +17.6% +34.8%
Dividends paid −9.2 −9.3 −9.7 −10.1 −10.5 −10.8 −11.3 −11.7 −18.1 −24.6

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
CashTotal debt
Fiscal year 2016Cash39.9Total debt58.1Net cash (debt)−18.2Shareholders’ equity256.6Debt to equity0.23Fiscal year 2017Cash37.5Total debt49.7Net cash (debt)−12.2Shareholders’ equity265.0Debt to equity0.19Fiscal year 2018Cash32.6Total debt37.9Net cash (debt)−5.3Shareholders’ equity278.6Debt to equity0.14Fiscal year 2019Cash31.2Total debt32.7Net cash (debt)−1.6Shareholders’ equity299.0Debt to equity0.11Fiscal year 2020Cash228.2Shareholders’ equity316.9Fiscal year 2021Cash279.9Shareholders’ equity340.1Fiscal year 2022Cash37.9Shareholders’ equity315.4Fiscal year 2023Cash187.4Shareholders’ equity340.4Fiscal year 2024Cash135.9Shareholders’ equity469.0Fiscal year 2025Cash269.0Shareholders’ equity519.8
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 39.9 37.5 32.6 31.2 228.2 279.9 37.9 187.4 135.9 269.0
Total debt 58.1 49.7 37.9 32.7 n/a n/a n/a n/a n/a n/a
Net cash (debt) −18.2 −12.2 −5.3 −1.6 n/a n/a n/a n/a n/a n/a
Shareholders’ equity 256.6 265.0 278.6 299.0 316.9 340.1 315.4 340.4 469.0 519.8
Debt to equity 0.23 0.19 0.14 0.11 n/a n/a n/a n/a n/a n/a

In millions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Ratios

Percentages worked out from the filed figures; debt to equity in times. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Spending
20.4% 30.7% 12.0% 10.9% 14.1% 18.7% 16.0% 15.8% −0.4% 18.1%
Returns
7.6% 7.0% 8.9% 8.6% 9.3% 12.8% 12.1% 8.0% 1.8% 11.4%
1.0% 0.9% 1.1% 1.0% 1.0% 1.3% 1.1% 0.7% 0.2% 1.1%
Balance and payout
0.23 0.19 0.14 0.11 n/a n/a n/a n/a n/a n/a
87.2% 87.8% 87.8% 87.9% 89.0% 89.9% 91.1% 90.9% 90.8% 90.1%
46.8% 50.5% 38.9% 39.4% 35.8% 24.8% 29.7% 42.6% 212.9% 41.6%
43.1% 41.7% 33.9% 32.2% 30.1% 30.1% 32.8% 42.7% 56.3% 56.9%