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)
 2014 Q12013 Q1Y-Y
Ch (%)
2013 Q4Q-Q
Ch (%)
Loans Held for Investment, before Reserves1,177,122636,28385.001,176,6170.17
Loans Held for Sale, before Reserves1,8160NM1,75713.43
Loan Loss Reserve8,8597,11024.608,6519.62
Net Loans Receivable1,170,079629,17385.971,169,7230.12
Intangible Assets69,86227,172157.1170,205(1.95)
Total Assets1,718,261929,78884.801,688,2217.12
Deposits1,404,066741,33789.401,379,5077.12
Debt, Senior and Subordinated58,37744,29831.7858,795(2.84)
Common Equity242,565133,22582.07238,7926.32
Total Shareholders' Equity242,565133,22582.07238,7926.32
Shares Outstanding (actual)7,548,3584,467,26168.977,552,944(0.24)
Income Statement ($000)
 2014 Q12013 Q1Y-Y
Ch (%)
2013 Q4Q-Q
Ch (%)
Net Interest Income14,7457,85787.679,827200.18
Provision for Loan Losses857300185.671,036(69.11)
Noninterest Income3,5602,72530.642,847100.18
Noninterest Expense10,6797,12549.889,26661.00
Net Income Before Taxes6,1613,25889.10(3,407)NM
Provision for Taxes1,46373798.51(1,277)NM
Net Income4,6982,52186.35(2,130)NM
Per Share Items ($)
 2014 Q12013 Q1Y-Y
Ch (%)
2013 Q4Q-Q
Ch (%)
Book Value per Share32.1329.827.7531.626.57
Tangible Book Value22.8823.74(3.62)22.3210.01
Diluted EPS Before Extra0.620.5610.71(0.39)NM
Diluted EPS After Extra0.620.5610.71(0.39)NM
Dividends Declared0.31000.230034.780.2300139.13
Performance Ratios (%)
 2014 Q12013 Q1Y-Y
Ch (bp)
2013 Q4Q-Q
Ch (bp)
ROAA1.131.112(0.72)185
ROAE8.037.6538(5.01)1,304
Net Interest Margin4.094.0543.8227
Loans / Deposits83.8485.83(199)85.29(146)
Efficiency Ratio59.7966.10(631)117.51(5,772)
Balance Sheet Ratios (%)
 2014 Q12013 Q1Y-Y
Ch (bp)
2013 Q4Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets10.4811.75(127)10.426
Equity/ Assets14.1214.33(21)14.14(3)
Asset Quality Ratios (%)
 2014 Q12013 Q1Y-Y
Ch (bp)
2013 Q4Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.900.43471.07(16)
Loan Loss Reserves/ Gross Loans0.751.12(37)0.732
Loan Loss Reserves/ NPAs57.07177.53(12,046)48.06901
Net Charge-offs/ Avg Loans0.220.09130.1210
Regulatory Capital Ratios (%)
 2014 Q12013 Q1Y-Y
Ch (bp)
2013 Q4Q-Q
Ch (bp)
Tier 1 Capital RatioNANANA13.59NA
   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.