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)
 2015 Q12014 Q1Y-Y
Ch (%)
2014 Q4Q-Q
Ch (%)
Loans Held for Investment, before Reserves1,237,1681,177,1225.101,209,8949.02
Loans Held for Sale, before Reserves3,1011,81670.763,486(44.18)
Loan Loss Reserve10,8038,85921.9410,33817.99
Net Loans Receivable1,229,4661,170,0795.081,203,0428.79
Intangible Assets68,56769,862(1.85)68,871(1.77)
Total Assets1,713,9611,718,261(0.25)1,741,669(6.36)
Deposits1,416,2781,404,0660.871,425,558(2.60)
Debt, Senior and Subordinated32,31858,377(44.64)52,697(154.69)
Common Equity249,458242,5652.84246,7794.34
Total Shareholders' Equity249,458242,5652.84246,7794.34
Shares Outstanding (actual)7,548,3587,548,3580.007,548,3580.00
Income Statement ($000)
 2015 Q12014 Q1Y-Y
Ch (%)
2014 Q4Q-Q
Ch (%)
Net Interest Income14,09314,745(4.42)14,264(4.80)
Provision for Loan Losses750857(12.49)800(25.00)
Noninterest Income3,4773,560(2.33)3,533(6.34)
Noninterest Expense11,09410,6793.8911,323(8.09)
Net Income Before Taxes6,5586,1616.445,67462.32
Provision for Taxes1,5141,4633.491,29069.46
Net Income5,0444,6987.364,38460.22
Per Share Items ($)
 2015 Q12014 Q1Y-Y
Ch (%)
2014 Q4Q-Q
Ch (%)
Book Value per Share33.0532.132.8432.694.34
Tangible Book Value23.9622.884.7423.576.71
Diluted EPS Before Extra0.670.628.060.5862.07
Diluted EPS After Extra0.670.628.060.5862.07
Dividends Declared0.31000.31000.000.31000.00
Performance Ratios (%)
 2015 Q12014 Q1Y-Y
Ch (bp)
2014 Q4Q-Q
Ch (bp)
ROAA1.201.1281.0119
ROAE8.288.01277.06122
Net Interest Margin3.884.09(21)3.799
Loans / Deposits87.3583.8435284.87248
Efficiency Ratio58.6359.79(116)61.81(318)
Balance Sheet Ratios (%)
 2015 Q12014 Q1Y-Y
Ch (bp)
2014 Q4Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets10.9910.485210.6436
Equity/ Assets14.5514.124414.1739
Asset Quality Ratios (%)
 2015 Q12014 Q1Y-Y
Ch (bp)
2014 Q4Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.590.79(20)0.536
Loan Loss Reserves/ Gross Loans0.870.75120.852
Loan Loss Reserves/ NPAs107.3965.144,225111.64(426)
Net Charge-offs/ Avg Loans0.090.22(13)0.21(12)
Regulatory Capital Ratios (%)
 2015 Q12014 Q1Y-Y
Ch (bp)
2014 Q4Q-Q
Ch (bp)
Tier 1 Capital Ratio15.6013.6919114.7585
   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.