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)
 2016 Q42015 Q4Y-Y
Ch (%)
2016 Q3Q-Q
Ch (%)
Loans Held for Investment, before Reserves1,532,9651,340,86514.331,522,3912.78
Loans Held for Sale, before Reserves000.00360NM
Loan Loss Reserve15,96112,97523.0115,7126.34
Net Loans Receivable1,517,0041,327,89014.241,507,0392.64
Intangible Assets67,58168,767(1.72)67,868(1.69)
Total Assets1,999,6531,819,0589.931,971,2395.77
Deposits1,588,7571,455,8109.131,565,8105.86
Debt, Senior and Subordinated140,83498,67942.72133,98520.45
Common Equity256,618248,7683.16256,4400.28
Total Shareholders' Equity256,618248,7683.16256,4400.28
Shares Outstanding (actual)7,394,1437,410,606(0.22)7,394,1430.00
Income Statement ($000)
 2016 Q42015 Q4Y-Y
Ch (%)
2016 Q3Q-Q
Ch (%)
Net Interest Income15,77414,6087.9815,7001.89
Provision for Loan Losses1,4001,3007.691,20066.67
Noninterest Income3,8593,5598.434,025(16.50)
Noninterest Expense12,28211,7904.1712,0178.82
Net Income Before Taxes5,9514,60929.126,508(34.23)
Provision for Taxes1,22377058.831,390(48.06)
Net Income4,7283,83923.165,118(30.48)
Per Share Items ($)
 2016 Q42015 Q4Y-Y
Ch (%)
2016 Q3Q-Q
Ch (%)
Book Value per Share34.7133.573.3934.680.28
Tangible Book Value25.5724.295.2525.500.99
Diluted EPS Before Extra0.640.5223.080.69(28.99)
Diluted EPS After Extra0.640.5223.080.69(28.99)
Dividends Declared0.31000.31000.000.31000.00
Performance Ratios (%)
 2016 Q42015 Q4Y-Y
Ch (bp)
2016 Q3Q-Q
Ch (bp)
ROAA0.940.8591.05(11)
ROAE7.296.121177.95(66)
Net Interest Margin3.673.79(12)3.76(9)
Loans / Deposits96.4992.1043897.23(74)
Efficiency Ratio58.5960.52(193)56.89170
Balance Sheet Ratios (%)
 2016 Q42015 Q4Y-Y
Ch (bp)
2016 Q3Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets9.7810.28(50)9.91(12)
Equity/ Assets12.8313.68(84)13.01(18)
Asset Quality Ratios (%)
 2016 Q42015 Q4Y-Y
Ch (bp)
2016 Q3Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.670.6430.670
Loan Loss Reserves/ Gross Loans1.040.9771.031
Loan Loss Reserves/ NPAs119.41110.88853119.83(42)
Net Charge-offs/ Avg Loans0.300.11190.0822
Regulatory Capital Ratios (%)
 2016 Q42015 Q4Y-Y
Ch (bp)
2016 Q3Q-Q
Ch (bp)
Tier 1 Capital RatioNA13.52NA12.44NA
   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.