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 Q32015 Q3Y-Y
Ch (%)
2016 Q2Q-Q
Ch (%)
Loans Held for Investment, before Reserves1,522,3911,270,54519.821,464,80815.72
Loans Held for Sale, before Reserves3603,439(89.53)0NM
Loan Loss Reserve15,71212,04330.4714,79924.68
Net Loans Receivable1,507,0391,261,94119.421,450,00915.73
Intangible Assets67,86867,976(0.16)68,165(1.74)
Total Assets1,971,2391,772,77011.201,911,61012.48
Deposits1,565,8101,444,6508.391,496,86318.42
Debt, Senior and Subordinated133,98561,250118.75145,532(31.74)
Common Equity256,440252,0881.73254,3253.33
Total Shareholders' Equity256,440252,0881.73254,3253.33
Shares Outstanding (actual)7,394,1437,519,109(1.66)7,394,1430.00
Income Statement ($000)
 2016 Q32015 Q3Y-Y
Ch (%)
2016 Q2Q-Q
Ch (%)
Net Interest Income15,70014,11311.2415,29310.65
Provision for Loan Losses1,20090033.331,2000.00
Noninterest Income4,0253,8684.063,73231.40
Noninterest Expense12,01711,7062.6612,113(3.17)
Net Income Before Taxes6,5085,52217.866,09327.24
Provision for Taxes1,3901,11324.891,23849.11
Net Income5,1184,40916.084,85521.67
Per Share Items ($)
 2016 Q32015 Q3Y-Y
Ch (%)
2016 Q2Q-Q
Ch (%)
Book Value per Share34.6833.533.4534.403.33
Tangible Book Value25.5024.494.1525.185.18
Diluted EPS Before Extra0.690.5818.970.6618.18
Diluted EPS After Extra0.690.5818.970.6618.18
Dividends Declared0.31000.31000.000.31000.00
Performance Ratios (%)
 2016 Q32015 Q3Y-Y
Ch (bp)
2016 Q2Q-Q
Ch (bp)
ROAA1.051.0051.032
ROAE7.957.00957.7223
Net Interest Margin3.763.7423.81(5)
Loans / Deposits97.2387.9592897.86(63)
Efficiency Ratio56.8960.94(405)59.32(243)
Balance Sheet Ratios (%)
 2016 Q32015 Q3Y-Y
Ch (bp)
2016 Q2Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets9.9110.80(89)10.10(19)
Equity/ Assets13.0114.22(121)13.30(30)
Asset Quality Ratios (%)
 2016 Q32015 Q3Y-Y
Ch (bp)
2016 Q2Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.670.57100.588
Loan Loss Reserves/ Gross Loans1.030.9591.012
Loan Loss Reserves/ NPAs119.83119.2063132.95(1,312)
Net Charge-offs/ Avg Loans0.080.09(1)0.16(8)
Regulatory Capital Ratios (%)
 2016 Q32015 Q3Y-Y
Ch (bp)
2016 Q2Q-Q
Ch (bp)
Tier 1 Capital RatioNA14.34NA12.61NA
   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.