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 Q12015 Q1Y-Y
Ch (%)
2015 Q4Q-Q
Ch (%)
Loans Held for Investment, before Reserves1,409,6911,237,16813.941,340,86520.53
Loans Held for Sale, before Reserves783,101(97.48)0NM
Loan Loss Reserve14,15810,80331.0612,97536.47
Net Loans Receivable1,395,6111,229,46613.511,327,89020.40
Intangible Assets68,46168,567(0.15)68,767(1.78)
Total Assets1,862,3701,713,9618.661,819,0589.52
Deposits1,475,4591,416,2784.181,455,8105.40
Debt, Senior and Subordinated120,12332,318271.6998,67986.92
Common Equity251,445249,4580.80248,7684.30
Total Shareholders' Equity251,445249,4580.80248,7684.30
Shares Outstanding (actual)7,399,2987,548,358(1.97)7,410,606(0.61)
Income Statement ($000)
 2016 Q12015 Q1Y-Y
Ch (%)
2015 Q4Q-Q
Ch (%)
Net Interest Income14,96614,0936.1914,6089.80
Provision for Loan Losses1,20075060.001,300(30.77)
Noninterest Income3,6493,4774.953,55910.12
Noninterest Expense11,61811,0944.7211,790(5.84)
Net Income Before Taxes6,0396,558(7.91)4,609124.11
Provision for Taxes1,1571,514(23.58)770201.04
Net Income4,8825,044(3.21)3,839108.67
Per Share Items ($)
 2016 Q12015 Q1Y-Y
Ch (%)
2015 Q4Q-Q
Ch (%)
Book Value per Share33.9833.052.8333.574.92
Tangible Book Value24.7323.963.1924.297.25
Diluted EPS Before Extra0.660.67(1.49)0.52107.69
Diluted EPS After Extra0.660.67(1.49)0.52107.69
Dividends Declared0.31000.31000.000.31000.00
Performance Ratios (%)
 2016 Q12015 Q1Y-Y
Ch (bp)
2015 Q4Q-Q
Ch (bp)
ROAA1.061.20(14)0.8521
ROAE7.858.28(43)6.12173
Net Interest Margin3.813.88(7)3.792
Loans / Deposits95.5487.3581992.10344
Efficiency Ratio58.0558.94(89)64.16(611)
Balance Sheet Ratios (%)
 2016 Q12015 Q1Y-Y
Ch (bp)
2015 Q4Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets10.2010.99(79)10.28(8)
Equity/ Assets13.5014.55(105)13.68(17)
Asset Quality Ratios (%)
 2016 Q12015 Q1Y-Y
Ch (bp)
2015 Q4Q-Q
Ch (bp)
Nonperforming Assets/ AssetsNA0.59NANANA
Loan Loss Reserves/ Gross Loans1.000.87130.974
Loan Loss Reserves/ NPAsNA107.39NANANA
Net Charge-offs/ Avg Loans0.000.09(9)0.11(11)
Regulatory Capital Ratios (%)
 2016 Q12015 Q1Y-Y
Ch (bp)
2015 Q4Q-Q
Ch (bp)
Tier 1 Capital RatioNA15.60NANANA
   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.