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)
 2017 Q32016 Q3Y-Y
Ch (%)
2017 Q2Q-Q
Ch (%)
Loans Held for Investment, before Reserves1,632,5151,522,3917.231,597,3628.80
Loans Held for Sale, before Reserves46036027.780NM
Loan Loss Reserve18,83115,71219.8517,80223.12
Net Loans Receivable1,614,1441,507,0397.111,579,5608.76
Intangible Assets66,79767,868(1.58)67,055(1.54)
Total Assets2,092,2361,971,2396.142,064,7585.32
Deposits1,687,8551,565,8107.791,639,43311.81
Debt, Senior and Subordinated122,099133,985(8.87)148,660(71.47)
Common Equity266,296256,4403.84263,5094.23
Total Shareholders' Equity266,296256,4403.84263,5094.23
Shares Outstanding (actual)7,396,5057,394,1430.037,396,1630.02
Income Statement ($000)
 2017 Q32016 Q3Y-Y
Ch (%)
2017 Q2Q-Q
Ch (%)
Net Interest Income16,65615,7006.0916,13512.92
Provision for Loan Losses1,2001,2000.001,2000.00
Noninterest Income3,6614,025(9.04)4,101(42.92)
Noninterest Expense12,48012,0173.8513,731(36.44)
Net Income Before Taxes6,6376,5081.987,312(36.93)
Provision for Taxes1,2871,390(7.41)1,653(88.57)
Net Income5,3505,1184.535,659(21.84)
Per Share Items ($)
 2017 Q32016 Q3Y-Y
Ch (%)
2017 Q2Q-Q
Ch (%)
Book Value per Share36.0034.683.8135.634.21
Tangible Book Value26.9725.505.7626.566.18
Diluted EPS Before Extra0.720.694.350.77(25.97)
Diluted EPS After Extra0.720.694.350.77(25.97)
Dividends Declared0.32000.31003.230.310012.90
Performance Ratios (%)
 2017 Q32016 Q3Y-Y
Ch (bp)
2017 Q2Q-Q
Ch (bp)
ROAA1.031.05(2)1.11(8)
ROAE8.007.9558.71(71)
Net Interest Margin3.733.76(3)3.685
Loans / Deposits96.7297.23(51)97.43(71)
Efficiency Ratio57.8156.899263.95(614)
Balance Sheet Ratios (%)
 2017 Q32016 Q3Y-Y
Ch (bp)
2017 Q2Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets9.859.91(6)9.832
Equity/ Assets12.7313.01(28)12.76(3)
Asset Quality Ratios (%)
 2017 Q32016 Q3Y-Y
Ch (bp)
2017 Q2Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.580.67(9)0.525
Loan Loss Reserves/ Gross Loans1.151.03121.114
Loan Loss Reserves/ NPAs155.99119.833,616164.64(865)
Net Charge-offs/ Avg Loans0.040.08(3)0.09(5)
Regulatory Capital Ratios (%)
 2017 Q32016 Q3Y-Y
Ch (bp)
2017 Q2Q-Q
Ch (bp)
Tier 1 Capital Ratio12.2012.44(24)12.24(4)
   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.