Peoples Financial Services Corp. (NASDAQ - PFIS)

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Financial Highlights

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Trend Analysis--Quarterly (click here for Annual Analysis)

For the definition of a financial field, click on the field name.


Balance Sheet ($000)
 2018 Q12017 Q1Y-Y
Ch (%)
2017 Q4Q-Q
Ch (%)
Loans Held for Investment, before Reserves1,725,7811,559,86710.641,693,0657.73
Loans Held for Sale, before Reserves0444NM106NM
Loan Loss Reserve19,71816,96916.2018,96015.99
Net Loans Receivable1,706,0631,543,34210.541,674,2117.61
Intangible Assets66,31867,314(1.48)66,548(1.38)
Total Assets2,190,3882,023,5068.252,169,0313.94
Deposits1,720,0181,615,5446.471,719,0180.23
Debt, Senior and Subordinated191,765135,09041.95173,40942.34
Common Equity266,624259,3192.82264,9762.49
Total Shareholders' Equity266,624259,3192.82264,9762.49
Shares Outstanding (actual)7,396,5057,396,1630.007,396,5050.00
Income Statement ($000)
 2018 Q12017 Q1Y-Y
Ch (%)
2017 Q4Q-Q
Ch (%)
Net Interest Income17,18715,8438.4816,9106.55
Provision for Loan Losses1,0501,200(12.50)1,200(50.00)
Noninterest Income3,2153,782(14.99)3,364(17.72)
Noninterest Expense13,08112,3565.8712,45520.10
Net Income Before Taxes6,6286,0699.216,6190.54
Provision for Taxes7741,269(39.01)3,971(322.03)
Net Income5,8544,80021.962,648484.29
Per Share Items ($)
 2018 Q12017 Q1Y-Y
Ch (%)
2017 Q4Q-Q
Ch (%)
Book Value per Share36.0535.062.8135.822.49
Tangible Book Value27.0825.964.3226.833.79
Diluted EPS Before Extra0.790.6521.540.36477.78
Diluted EPS After Extra0.790.6521.540.36477.78
Dividends Declared0.32000.31003.230.32000.00
Performance Ratios (%)
 2018 Q12017 Q1Y-Y
Ch (bp)
2017 Q4Q-Q
Ch (bp)
ROAA1.080.97110.4959
ROAE8.897.511383.92497
Net Interest Margin3.573.73(16)3.63(6)
Loans / Deposits100.3496.5537898.49184
Efficiency Ratio60.6959.1315657.81288
Balance Sheet Ratios (%)
 2018 Q12017 Q1Y-Y
Ch (bp)
2017 Q4Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets9.439.82(38)9.44(1)
Equity/ Assets12.1712.82(64)12.22(4)
Asset Quality Ratios (%)
 2018 Q12017 Q1Y-Y
Ch (bp)
2017 Q4Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.550.58(3)0.505
Loan Loss Reserves/ Gross Loans1.141.0961.122
Loan Loss Reserves/ NPAs164.76145.261,950175.90(1,114)
Net Charge-offs/ Avg Loans0.070.0520.26(19)
Regulatory Capital Ratios (%)
 2018 Q12017 Q1Y-Y
Ch (bp)
2017 Q4Q-Q
Ch (bp)
Tier 1 Capital RatioNA12.29NA11.85NA
   Q-Q Ch(%)= most recent quarter minus prior quarter annualized e.g. [(Q4-Q3)/Q3]*4

  * Percentages presented for individual quarters are annualized by taking the quarter amount and multiplying by four.