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 Q22015 Q2Y-Y
Ch (%)
2016 Q1Q-Q
Ch (%)
Loans Held for Investment, before Reserves1,464,8081,231,54118.941,409,69115.64
Loans Held for Sale, before Reserves02,879NM78NM
Loan Loss Reserve14,79911,42829.5014,15818.11
Net Loans Receivable1,450,0091,222,99218.561,395,61115.59
Intangible Assets68,16568,271(0.16)68,461(1.73)
Total Assets1,911,6101,747,7559.381,862,37010.58
Deposits1,496,8631,424,7675.061,475,4595.80
Debt, Senior and Subordinated145,53257,523153.00120,12384.61
Common Equity254,325250,4041.57251,4454.58
Total Shareholders' Equity254,325250,4041.57251,4454.58
Shares Outstanding (actual)7,394,1437,542,725(1.97)7,399,298(0.28)
Income Statement ($000)
 2016 Q22015 Q2Y-Y
Ch (%)
2016 Q1Q-Q
Ch (%)
Net Interest Income15,29314,1907.7714,9668.74
Provision for Loan Losses1,20075060.001,2000.00
Noninterest Income3,7323,6262.923,6499.10
Noninterest Expense12,11311,5115.2311,61817.04
Net Income Before Taxes6,0935,5559.686,0393.58
Provision for Taxes1,2381,12410.141,15728.00
Net Income4,8554,4319.574,882(2.21)
Per Share Items ($)
 2016 Q22015 Q2Y-Y
Ch (%)
2016 Q1Q-Q
Ch (%)
Book Value per Share34.4033.203.6133.984.86
Tangible Book Value25.1824.154.2624.737.23
Diluted EPS Before Extra0.660.5911.860.660.00
Diluted EPS After Extra0.660.5911.860.660.00
Dividends Declared0.31000.31000.000.31000.00
Performance Ratios (%)
 2016 Q22015 Q2Y-Y
Ch (bp)
2016 Q1Q-Q
Ch (bp)
ROAA1.031.0301.06(3)
ROAE7.727.14587.83(11)
Net Interest Margin3.813.84(3)3.810
Loans / Deposits97.8686.441,14295.54232
Efficiency Ratio59.3360.39(106)58.05128
Balance Sheet Ratios (%)
 2016 Q22015 Q2Y-Y
Ch (bp)
2016 Q1Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets10.1010.84(75)10.20(10)
Equity/ Assets13.3014.33(102)13.50(20)
Asset Quality Ratios (%)
 2016 Q22015 Q2Y-Y
Ch (bp)
2016 Q1Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.580.5440.61(3)
Loan Loss Reserves/ Gross Loans1.010.9381.001
Loan Loss Reserves/ NPAs132.95120.591,237123.87909
Net Charge-offs/ Avg Loans0.160.04120.0015
Regulatory Capital Ratios (%)
 2016 Q22015 Q2Y-Y
Ch (bp)
2016 Q1Q-Q
Ch (bp)
Tier 1 Capital RatioNANANANANA
   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.