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 Q22016 Q2Y-Y
Ch (%)
2017 Q1Q-Q
Ch (%)
Loans Held for Investment, before Reserves1,597,3621,464,8089.051,559,8679.61
Loans Held for Sale, before Reserves000.00444NM
Loan Loss Reserve17,80214,79920.2916,96919.64
Net Loans Receivable1,579,5601,450,0098.931,543,3429.39
Intangible Assets67,05568,165(1.63)67,314(1.54)
Total Assets2,064,7581,911,6108.012,023,5068.15
Deposits1,639,4331,496,8639.521,615,5445.91
Debt, Senior and Subordinated148,660145,5322.15135,09040.18
Common Equity263,509254,3253.61259,3196.46
Total Shareholders' Equity263,509254,3253.61259,3196.46
Shares Outstanding (actual)7,396,1637,394,1430.037,396,1630.00
Income Statement ($000)
 2017 Q22016 Q2Y-Y
Ch (%)
2017 Q1Q-Q
Ch (%)
Net Interest Income16,13515,2935.5115,8437.37
Provision for Loan Losses1,2001,2000.001,2000.00
Noninterest Income4,1013,7329.893,78233.74
Noninterest Expense13,73112,11313.3612,35644.51
Net Income Before Taxes7,3126,09320.016,06981.92
Provision for Taxes1,6531,23833.521,269121.04
Net Income5,6594,85516.564,80071.58
Per Share Items ($)
 2017 Q22016 Q2Y-Y
Ch (%)
2017 Q1Q-Q
Ch (%)
Book Value per Share35.6334.403.5835.066.46
Tangible Book Value26.5625.185.5025.969.27
Diluted EPS Before Extra0.760.6615.150.6567.69
Diluted EPS After Extra0.760.6615.150.6567.69
Dividends Declared0.31000.31000.000.31000.00
Performance Ratios (%)
 2017 Q22016 Q2Y-Y
Ch (bp)
2017 Q1Q-Q
Ch (bp)
ROAA1.111.0380.9714
ROAE8.717.72997.51120
Net Interest Margin3.683.81(13)3.73(5)
Loans / Deposits97.4397.86(42)96.5588
Efficiency Ratio63.9559.3346259.13482
Balance Sheet Ratios (%)
 2017 Q22016 Q2Y-Y
Ch (bp)
2017 Q1Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets9.8310.10(26)9.822
Equity/ Assets12.7613.30(54)12.82(5)
Asset Quality Ratios (%)
 2017 Q22016 Q2Y-Y
Ch (bp)
2017 Q1Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.520.58(6)0.58(5)
Loan Loss Reserves/ Gross Loans1.111.01101.093
Loan Loss Reserves/ NPAs164.64132.953,168145.261,938
Net Charge-offs/ Avg Loans0.090.16(6)0.054
Regulatory Capital Ratios (%)
 2017 Q22016 Q2Y-Y
Ch (bp)
2017 Q1Q-Q
Ch (bp)
Tier 1 Capital Ratio12.2412.61(37)12.29(5)
   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.