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Peoples Financial Services (PFIS) Ratios
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Peoples Financial Services Ratios
PFIS's free cash flow for Q3 2026 was $15.47M. For the 2026 fiscal year, PFIS's free cash flow was increased by $7.58M and operating cash flow was $7.89M. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 8.76 | 0.08 | 0.14 | 0.17 | 0.19 |
| Quick Ratio | 8.76 | 0.08 | 0.14 | 0.17 | 0.19 |
| Cash Ratio | 1.79 | 0.01 | 0.01 | 0.01 | 0.01 |
| Solvency Ratio | 0.01 | 0.00 | 0.01 | 0.01 | 0.02 |
| Operating Cash Flow Ratio | 1.66 | 0.01 | 0.01 | 0.01 | 0.01 |
| Short-Term Operating Cash Flow Coverage | 1.66 | 2.13 | 1.89 | 0.37 | 0.00 |
| Net Current Asset Value | $ -4.46B | $ -4.27B | $ -2.94B | $ -2.71B | $ -2.47B |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.05 | 0.03 | 0.02 | 0.04 | 0.01 |
| Debt-to-Equity Ratio | 0.50 | 0.33 | 0.22 | 0.47 | 0.10 |
| Debt-to-Capital Ratio | 0.33 | 0.25 | 0.18 | 0.32 | 0.10 |
| Long-Term Debt-to-Capital Ratio | 0.30 | 0.23 | 0.15 | 0.10 | 0.10 |
| Financial Leverage Ratio | 10.14 | 10.86 | 10.99 | 11.27 | 9.91 |
| Debt Service Coverage Ratio | 0.55 | 0.14 | 0.38 | 0.32 | 5.01 |
| Interest Coverage Ratio | 0.77 | 0.09 | 0.52 | 2.91 | 5.68 |
| Debt to Market Cap | 0.53 | 0.36 | 0.22 | 0.40 | 0.09 |
| Interest Debt Per Share | 35.23 | 29.43 | 19.51 | 22.89 | 6.24 |
| Net Debt to EBITDA | 2.41 | 6.36 | 0.91 | 2.24 | -0.03 |
| Profitability Margins | |||||
| Gross Profit Margin | 66.60% | 50.13% | 61.18% | 87.76% | 89.63% |
| EBIT Margin | 25.71% | 3.69% | 19.82% | 36.69% | 49.67% |
| EBITDA Margin | 29.49% | 6.83% | 21.95% | 39.95% | 53.05% |
| Operating Profit Margin | 25.71% | 3.69% | 19.82% | 36.69% | 49.67% |
| Pretax Profit Margin | 25.71% | 3.69% | 19.82% | 36.69% | 49.67% |
| Net Profit Margin | 21.07% | 3.70% | 16.69% | 30.80% | 40.39% |
| Continuous Operations Profit Margin | 21.07% | 3.70% | 16.69% | 30.80% | 40.39% |
| Net Income Per EBT | 81.94% | 100.35% | 84.24% | 83.96% | 81.32% |
| EBT Per EBIT | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 1.12% | 0.17% | 0.73% | 1.07% | 1.29% |
| Return on Equity (ROE) | 11.39% | 1.81% | 8.04% | 12.08% | 12.79% |
| Return on Capital Employed (ROCE) | 1.38% | 1.28% | 7.39% | 11.60% | 13.19% |
| Return on Invested Capital (ROIC) | 1.12% | 1.25% | 5.98% | 7.53% | 10.73% |
| Return on Tangible Assets | 1.15% | 0.17% | 0.74% | 1.09% | 1.32% |
| Earnings Yield | 12.16% | 1.95% | 7.91% | 10.25% | 11.43% |
| Efficiency Ratios | |||||
| Receivables Turnover | 15.93 | 14.70 | 12.88 | 10.56 | 12.63 |
| Payables Turnover | 0.00 | 20.83 | 11.04 | 16.76 | 27.38 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 3.58 | 3.14 | 2.68 | 2.22 | 2.09 |
| Asset Turnover | 0.05 | 0.05 | 0.04 | 0.03 | 0.03 |
| Working Capital Turnover Ratio | -0.15 | -0.07 | -0.06 | -0.05 | -0.05 |
| Cash Conversion Cycle | 22.91 | 7.30 | -4.71 | 12.80 | 15.56 |
| Days of Sales Outstanding | 22.91 | 24.83 | 28.34 | 34.58 | 28.89 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 0.00 | 17.53 | 33.05 | 21.78 | 13.33 |
| Operating Cycle | 22.91 | 24.83 | 28.34 | 34.58 | 28.89 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 5.43 | 3.98 | 4.68 | 5.91 | 5.64 |
| Free Cash Flow Per Share | 4.34 | 3.67 | 3.84 | 4.82 | 4.96 |
| Dividend Paid and CapEx Coverage Ratio | 1.53 | 1.64 | 1.89 | 2.21 | 2.60 |
| Capital Expenditure Coverage Ratio | 4.96 | 13.17 | 5.61 | 5.41 | 8.35 |
| Operating Cash Flow Coverage Ratio | 0.21 | 0.22 | 0.44 | 0.29 | 1.14 |
| Operating Cash Flow to Sales Ratio | 0.19 | 0.15 | 0.20 | 0.34 | 0.38 |
| Free Cash Flow Yield | 8.90% | 7.18% | 7.89% | 9.29% | 9.42% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 8.23 | 51.18 | 12.64 | 9.76 | 8.75 |
| Price-to-Sales (P/S) Ratio | 1.73 | 1.90 | 2.11 | 3.00 | 3.53 |
| Price-to-Book (P/B) Ratio | 0.94 | 0.93 | 1.02 | 1.18 | 1.12 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 11.23 | 13.93 | 12.67 | 10.76 | 10.61 |
| Price-to-Operating Cash Flow Ratio | 8.97 | 12.87 | 10.41 | 8.77 | 9.34 |
| Price-to-Earnings Growth (PEG) Ratio | 0.02 | -0.69 | -0.46 | -0.80 | 0.17 |
| Enterprise Value Multiple | 8.29 | 34.17 | 10.53 | 9.76 | 6.63 |
| Enterprise Value | 686.80M | 536.58M | 379.08M | 482.21M | 379.10M |
| EV to EBITDA | 8.29 | 34.17 | 10.53 | 9.76 | 6.63 |
| EV to Sales | 2.44 | 2.34 | 2.31 | 3.90 | 3.52 |
| EV to Free Cash Flow | 15.85 | 17.12 | 13.87 | 13.97 | 10.56 |
| EV to Operating Cash Flow | 12.65 | 15.82 | 11.40 | 11.38 | 9.30 |
| Tangible Book Value Per Share | 41.64 | 41.90 | 38.86 | 35.01 | 38.10 |
| Shareholders’ Equity Per Share | 52.01 | 54.97 | 47.89 | 43.99 | 47.05 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.18 | -0.00 | 0.16 | 0.16 | 0.19 |
| Revenue Per Share | 28.11 | 26.94 | 23.07 | 17.25 | 14.91 |
| Net Income Per Share | 5.92 | 1.00 | 3.85 | 5.31 | 6.02 |
| Tax Burden | 0.82 | 1.00 | 0.84 | 0.84 | 0.81 |
| Interest Burden | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.30 | 0.21 | 0.23 | 0.28 | 0.29 |
| Stock-Based Compensation to Revenue | 0.00 | 0.00 | 0.01 | 0.00 | 0.01 |
| Income Quality | 0.92 | 3.99 | 1.21 | 1.11 | 0.94 |
Currency in USD
