Peoples Financial Services Corp. functions as the holding company for Peoples Security Bank and Trust Company, delivering a comprehensive suite of commercial ...
Peoples Financial Services Corp. (PFIS) is a bank holding company headquartered in Moosic, Pennsylvania, operating through its subsidiary, Peoples Security Bank and Trust Company. Founded in 1905, the company has grown into a regional community bank with a strong presence in eastern Pennsylvania, as well as parts of New Jersey ...Peoples Financial Services Corp. (PFIS) is a bank holding company headquartered in Moosic, Pennsylvania, operating through its subsidiary, Peoples Security Bank and Trust Company. Founded in 1905, the company has grown into a regional community bank with a strong presence in eastern Pennsylvania, as well as parts of New Jersey and New York, serving individual consumers, businesses, non-profits, governmental bodies, and professionals.
The company's business model focuses on traditional community banking, offering a wide range of deposit products, including demand deposit accounts (NOW, small business checking), money market and savings accounts, IRAs, and certificates of deposit. On the lending side, it provides residential mortgages, auto loans, personal loans, manufactured housing loans, and home equity loans, as well as commercial financing for real estate, working capital, construction, equipment, agricultural ventures, mineral rights, and SBA initiatives. Beyond core banking, the company offers wealth management and trust services, such as investment management, estate administration, retirement planning, and pension administration, along with insurance and brokerage services.
Financially, the company has demonstrated solid performance with a market capitalization of approximately $707 million, a price-to-earnings ratio of 12.44, and a dividend yield of 3.5%. In the trailing twelve months, it generated revenue per share of $28.74 and net income per share of $5.67, reflecting a net profit margin of 19.7%. The company maintains a tangible book value per share of $43.51 and a return on equity of 10.9%. With a full-time workforce of 547 employees, it continues to expand its footprint, recently merging with FNCB Bancorp to enhance its market position.
Under the leadership of CEO Gerard A. Champi, who assumed the role in 2021, the company is committed to providing personalized service and community support, contributing over $1.7 million in corporate donations in recent years. As of 2024, its total assets exceed $3.7 billion, making it one of the largest independent community banks in the region.
YoYYoY means Year-over-Year. It compares the latest annual value with the previous annual value to show long-term trend strength.
QoQQoQ means Quarter-over-Quarter. It compares the latest quarter with the immediately previous quarter to show short-term momentum changes.
RevenueThe total money that came through the front door from selling things, before paying a single bill. Think of it as the grand total of every credit card swipe from customers. (YoY compares this year to last year's performance, while QoQ compares the current three months to the previous three).
$281.0M
+22.3%
+3.7%
Net IncomeThe absolute bottom line. If the company paid every single supplier, employee, banker, and tax collector, this is the actual money left in their pocket at the end of the day.
$59.2M
+596.5%
+0.4%
Gross MarginThe basic markup. If they sell a $100 pair of sneakers, this percentage tells you how much of that price tag is profit right after paying for the rubber and shoelaces, but before paying for things like store rent or TV commercials.
+66.6%
+32.9%
-2.3%
Operating MarginThe 'day job' efficiency score. Out of every dollar a customer spends, this shows how many cents the company keeps after making the product AND paying for all the everyday corporate overhead (like salaries, marketing, and keeping the lights on).
+25.7%
+597.7%
-4.1%
Net MarginThe final take-home percentage. When you strip away every conceivable cost, tax, and interest payment, this is the exact number of cents the company truly gets to keep from every dollar in sales.
+21.1%
+469.7%
-3.2%
Free Cash FlowThe holy grail of corporate cash. It's the spendable, physical money left over after the business pays for its daily operations AND buys the big, expensive upgrades (like new factories or servers) it needs to survive. This is the 'free' money they can use to pay dividends or buy back stock.
$43.3M
+38.3%
+87.5%
FCF MarginThe ultimate cash conversion rate. It shows how good the company is at turning regular sales directly into cold, hard, spendable cash. A high percentage means the business is an absolute cash-printing machine.
+15.4%
+13.1%
+80.7%
Debt / EquityThe financial risk gauge. It compares how much of the company's empire was built using borrowed money (loans) versus the owners' own money (shareholders). A high number means they are heavily leveraged and playing a riskier game; a low number means they are playing it safe.
49.7%
+49.8%
-25.2%
Current RatioThe 12-month survival check. It simply compares the cash they have right now (plus things they can quickly turn into cash) against the immediate bills they absolutely must pay this year. A score above 1 means they have enough in the wallet to cover the upcoming bills without panicking.
8.76x
+10892.1%
+151.5%
Total AssetsThe absolute size of the company's empire. It bundles together absolutely everything of value they own—from the cash in the register and the inventory in the warehouse, to the software patents in the vault and the factories on the ground.