Peoples Financial Services Corp. (PFIS) Valuation

Valuation

Model-based estimates, not advice. The DCF is the discounted-cash-flow value per share; compare it with the price, not as a target.

DCF fair value

+45.2%

$108.76

vs $74.92 price

Levered DCF

$109.33

After debt service

Piotroski score

6 / 9

Average

Altman Z-score

0.28

Distress zone

Rating

B+

Overall 3 / 5

Ratios by fiscal year

Margins and yields are shares of revenue, equity or price; multiples are ×.

Metric	FY2025	FY2024	FY2023	FY2022	FY2021	FY2020	FY2019	FY2018
P/E	8.23×	51.18×	12.65×	9.76×	8.71×	9.14×	13.53×	13.07×
P/B	0.94×	0.93×	1.02×	1.18×	1.12×	0.85×	1.25×	1.17×
P/S	1.73×	1.9×	2.11×	3×	3.53×	2.42×	3.43×	3.32×
EV / EBITDA	8.29×	34.17×	10.53×	9.76×	6.63×	8.36×	15.89×	13.25×
Gross margin	66.6%	50.1%	61.2%	87.8%	89.6%	80.4%	77.9%	82.2%
Operating margin	25.7%	3.7%	19.8%	36.7%	49.7%	30.9%	26.6%	28.8%
Net margin	21.1%	3.7%	16.7%	30.8%	40.4%	26.5%	23.7%	25.3%
Current ratio	8.76×	0.08×	0.14×	0.17×	0.19×	0.14×	0.17×	0.16×
Debt / equity	0.5×	0.33×	0.22×	0.47×	0.1×	0.31×	0.62×	0.45×
Interest coverage	0.77×	0.09×	0.52×	2.91×	5.68×	2.39×	1.62×	2.13×
Dividend yield	5.1%	4.1%	3.4%	3.0%	2.8%	3.9%	2.7%	3.0%
Payout ratio	41.6%	212.9%	42.6%	29.7%	24.8%	35.8%	39.4%	38.9%

Key metrics by fiscal year

Metric	FY2025	FY2024	FY2023	FY2022	FY2021	FY2020	FY2019	FY2018
Return on equity	11.4%	1.8%	8.0%	12.1%	12.8%	9.3%	8.6%	8.9%
Return on invested capital	1.1%	1.2%	6.0%	7.5%	10.7%	6.6%	5.1%	6.0%
Return on assets	1.1%	0.2%	0.7%	1.1%	1.3%	1.0%	1.0%	1.1%
Free cash flow yield	8.9%	7.2%	7.9%	9.3%	9.4%	13.0%	8.5%	8.8%
Earnings yield	12.2%	1.9%	7.9%	10.3%	11.4%	10.9%	6.9%	7.6%
Enterprise value	$686.8M	$536.6M	$379.1M	$482.2M	$379.1M	$321.1M	$526.1M	$417.7M
Net debt / EBITDA	2.41×	6.36×	0.91×	2.24×	-0.03×	1.37×	4.64×	2.91×
Cash conversion cycle (days)	23	7	-5	13	16	15	4	2