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 Q12016 Q1Y-Y
Ch (%)
2016 Q4Q-Q
Ch (%)
Loans Held for Investment, before Reserves1,559,8671,409,69110.651,532,9657.02
Loans Held for Sale, before Reserves44478469.230NM
Loan Loss Reserve16,96914,15819.8515,96125.26
Net Loans Receivable1,543,3421,395,61110.591,517,0046.94
Intangible Assets67,31468,461(1.68)67,581(1.58)
Total Assets2,023,5061,862,3708.651,999,4424.81
Deposits1,615,5441,475,4599.491,588,7576.74
Debt, Senior and Subordinated135,090120,12312.46140,834(16.31)
Common Equity259,319251,4453.13256,6184.21
Total Shareholders' Equity259,319251,4453.13256,6184.21
Shares Outstanding (actual)7,394,1437,399,298(0.07)7,394,1430.00
Income Statement ($000)
 2017 Q12016 Q1Y-Y
Ch (%)
2016 Q4Q-Q
Ch (%)
Net Interest Income15,84314,9665.8615,7741.75
Provision for Loan Losses1,2001,2000.001,400(57.14)
Noninterest Income3,7823,6493.643,859(7.98)
Noninterest Expense12,35611,6186.3512,2822.41
Net Income Before Taxes6,0696,0390.505,9517.93
Provision for Taxes1,2691,1579.681,22315.04
Net Income4,8004,882(1.68)4,7286.09
Per Share Items ($)
 2017 Q12016 Q1Y-Y
Ch (%)
2016 Q4Q-Q
Ch (%)
Book Value per Share35.0733.983.2034.714.21
Tangible Book Value25.9724.735.0025.576.28
Diluted EPS Before Extra0.650.66(1.52)0.646.25
Diluted EPS After Extra0.650.66(1.52)0.646.25
Dividends Declared0.31000.31000.000.31000.00
Performance Ratios (%)
 2017 Q12016 Q1Y-Y
Ch (bp)
2016 Q4Q-Q
Ch (bp)
ROAA0.971.06(9)0.943
ROAE7.517.83(32)7.2922
Net Interest Margin3.733.81(8)3.676
Loans / Deposits96.5595.5410196.497
Efficiency Ratio59.1358.1010358.5954
Balance Sheet Ratios (%)
 2017 Q12016 Q1Y-Y
Ch (bp)
2016 Q4Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets9.8210.20(39)9.793
Equity/ Assets12.8213.50(69)12.83(2)
Asset Quality Ratios (%)
 2017 Q12016 Q1Y-Y
Ch (bp)
2016 Q4Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.580.61(4)0.67(9)
Loan Loss Reserves/ Gross Loans1.091.0081.045
Loan Loss Reserves/ NPAs145.26123.882,138119.402,586
Net Charge-offs/ Avg Loans0.050.0050.30(25)
Regulatory Capital Ratios (%)
 2017 Q12016 Q1Y-Y
Ch (bp)
2016 Q4Q-Q
Ch (bp)
Tier 1 Capital RatioNA12.99NA12.49NA
   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.