NASDAQ: PFIS - Peoples Financial Services Corp.

Yield per half year: -4.59%
Dividend yield: +4.11%
Sector: Financials

Reporting Peoples Financial Services Corp.

Capitalization

IFRS
Reporting Annual Quarterly
2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 LTM 5 year average CAGR 5
Капитализация, млрд $
0.3717 0.3209 0.2748 0.3078 0.315 0.3171 0.2707 0.3101 0.3599 0.3108 0.3137 -0.40
Выручка, млрд $
0.0701 0.0746 0.0786 0.085 0.0906 0.0964 0.0981 0.1081 0.1636 0.1636 0.1114 12.55
Чистая прибыль, млрд $
0.0177 0.0196 0.0185 0.0249 0.0275 0.0294 0.0435 0.0381 0.0274 0.0274 0.0332 -0.07
EV, млрд $
0.3867 0.3757 0.4437 0.4146 0.5199 0.3223 0.3794 0.4796 0.3815 0.3924 0.4165 -6.00
EBIT, млрд $
0.0299 0.0335 0.0373 0.044 0.0312 0.0342 0.0529 0.0454 0.0325 -0.0034 0.0392 0.82
EBITDA, млрд $
0.0311 0.0347 0.0383 0.0448 0.0319 0.0348 0.0534 0.0494 0.036 0.000105 0.0411 2.45
Баланс стоимость, млрд $
0.2488 0.2566 0.265 0.2791 0.3008 0.3169 0.3401 0.3154 0.3404 0.3404 0.3227 2.50
FCF, млрд $
0.0237 0.0213 0.0223 0.0286 0.0315 0.0349 0.0359 0.0345 0.0273 0.0276 0.0328 -2.82
Операционный денежный поток, млрд $
0.0282 0.0281 0.0286 0.0326 0.0371 0.0372 0.0408 0.0424 0.0333 0.0335 0.0382 -2.14
Операционная прибыль, млрд $
0.0299 0.0335 0.0373 0.0416 0.0312 0.0342 0.0529 0.0646 0.0359 0 0.0438 2.85
Операционные расходы, млрд $
-0.0402 -0.0411 -0.0414 -0.0434 -0.0595 -0.0623 -0.0452 -0.0435 0.1009 0.0125 -0.0219 -211.14
CAPEX, млрд $
0.0045 0.0068 0.0062 0.0041 0.0056 0.0023 0.0049 0.0078 0.0059 0.0059 0.0053 1.05


Balance sheet

IFRS
Reporting Annual Quarterly
2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 LTM 5 year average CAGR 5
Наличность, млрд $
0.0329 0.0399 0.0375 0.0326 0.0312 0.0452 0.0375 0.0379 0.0427 0.0427 0.0389 6.48
Short Term Investments $
0.2849 0.2594 0.2725 0.2697 0.3305 0.2959 0.5173 0.4777 0.3989 0.3989 0.4041 3.83
Long term investments $
1.2 1.33 1.52 1.67 1.8 1.92 0.3033 0.5887 0.569 0.4889 0.7740 -23.94
Total Receivables $
0.0058 0.0062 0.0069 0.0071 0.007 0.0083 0.0085 0.0117 0.0127 0.0127 0.0096 12.65
Total Current Assets $
0.3236 0.3056 0.317 1.9 0.3686 0.3494 0.5634 0.5273 0.1969 0.2097 0.4011 -11.79
Чистые активы, млрд $
0.0254 0.0282 0.0333 0.0376 0.0389 0.0479 0.047 0.0515 0.0557 0.0557 0.0482 7.44
Активы, млрд $
1.82 2 2.17 2.29 2.48 2.88 3.37 3.55 3.74 3.75 3.20 8.56
Short Term Debt $
0.0383 0.0827 0.1237 0.0865 0.1522 0.05 0.0029 0.1149 0.0176 0.0434 0.0675 -35.04
Long Term Debt $
0.0604 0.0581 0.0497 0.0379 0.0327 0.033 0.033 0.033 0.058 0.058 0.0379 12.14
Задолженность, млрд $
1.57 1.74 1.91 2.01 2.18 2.57 3.03 3.24 3.4 3.41 2.88 9.30
Чистый долг, млрд $
0.0658 0.1009 0.1359 0.0918 0.1537 0.0526 -0.0018 0.1106 0.0329 0.0439 0.0696 -26.53
Долг, млрд $
0.0987 0.1408 0.1734 0.1244 0.1849 0.0978 0.0357 0.1485 0.0756 0.1014 0.1085 -16.38
Interest income $
0.063 0.0689 0.0742 0.0846 0.0933 0.094 0.094 0.1113 0.1414 0.1068 8.67
Расходы на обслуживание долга $
0.006 0.0073 0.0087 0.0133 0.0179 0.0143 0.0094 0.0156 0.0631 0.0045 0.0241 28.66
Чист. проц. доходы, млрд $
0.057 0.0617 0.0655 0.0846 0.0933 0.094 0.094 0.1113 0.1414 0.1414 0.1068 8.67
Goodwill $
0.0634 0.0634 0.0634 0.0634 0.0634 0.0634 0.0634 0.0634 0.0634 0.0634 0.0634 0.00
Амортизация, млрд $
0.0012 0.0012 0.001 0.000881 0.00073 0.000606 0.000491 0.004 0.0035 0.0035 0.0019 36.82
Себестоимость, млрд $
0.0063 0.0065 0.0102 0 0.0000 0.0000 0.0000 -0.0627 -0.0099 -277.62
Товарно материальные запасы $
0.000957 -0.0466 -0.0447 0.000376 0.00045 0.000864 0.000487 0.0497 0.0208 0.0208 0.0145 115.26


Share

IFRS
Reporting Annual Quarterly
2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM 5 year average CAGR 5
EPS 2.34 2.64 5.53 3.37 3.72 4 6.01 5.28 3.83 3.83 4.57 0.58
Цена акции ао 43.97 45 45.3 38.67 44.29 51.84 48.7 51.18 45.9 45.9 48.38 0.72
Число акций ао, млн 8 7 7 7.4 7.41 7.34 7.24 7.21 7.15 7.15 7.27 -0.71
FCF/акцию 2.96 3.04 3.19 3.86 4.25 4.75 4.96 4.79 3.82 3.86 4.51 -2.11


Efficiency

IFRS
Reporting Annual Quarterly
2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM Industry average 5 year average CAGR 5
ROE, % 7.12 7.63 6.97 9.16 9.5 9.5 13.25 11.62 8.35 8.04 -47.64 10.44 -2.55
ROA, % 0.9743 0.9793 0.8504 1.12 1.16 1.1 1.39 1.1 0.7506 0.7302 10.63 1.10 -8.34
ROIC, % 9.02 7.78 7.23 6.34 8.58 7.76 9.62 14.34 10.73 8.84 6.57 10.26 2.64
ROS, % 23.47 29.32 30.39 30.44 44.35 35.25 16.73 16.73 16.73 16.73 26.51 25.96 -17.72
ROCE, % 13.06 14.07 2 1.34 1.21 1.57 1.32 2.79 -0.9964 -0.9964 -48.11 1.18 -196.19
Ebit margin, % 34.4 35.44 54.54 41.98 19.86 -2.07 -2.07 29.95 -156.66
Рентаб EBITDA, % 46.48 48.72 52.77 35.2 36.06 54.43 45.71 22 0.0642 0.0642 32.94 31.65 -71.81
Чистая рентаб, % 25.29 26.24 23.47 29.32 30.39 30.44 44.35 35.25 16.73 16.73 26.51 31.43 -11.25
Operation Margin, % 47.41 48.99 34.4 35.44 53.93 59.8 21.96 0 0 0 31.28 41.11 -8.59
Доходность FCF, % 5.22 7.39 7.75 7.26 9.07 9.93 12.89 11.57 9.59 8.88 10.57 -2.21


Coefficients

IFRS
Reporting Annual Quarterly
2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM Industry average 5 year average CAGR 5
P/E
18.11 14.03 16.68 12.95 13.29 9.19 8.76 9.69 12.73 12.73 25.68 10.73 -0.86
P/BV
1.29 1.07 1.16 1.16 1.22 0.8512 1.12 1.17 1.02 1.02 -12.14 1.08 -3.52
P/S
4.58 3.68 3.91 3.8 4.04 2.8 3.89 3.41 2.13 2.13 6.65 3.25 -12.02
P/FCF
13.77 11.03 10.07 7.76 8.64 10.42 0 0 0 0 19.68 9.58 -1.13
E/P
0.06 0.0791 0.0869 0.1084 0.1404 0.1058 0.0881 0 0 0 0.05 0.1059 0.27
EV/EBIT
16.65 9.43 7.09 10.57 11.74 -115.7 -115.7 -115.7 -40.4000 -274.80
EV/EBITDA
12.45 10.83 11.58 9.24 16.29 9.27 7.1 9.71 10.6 3737.56 19.23 10.59 -8.24
EV/S
5.64 4.79 5.19 3.35 3.17 4.44 2.33 2.4 2.4 2.4 6.88 2.95 -5.41
EV/FCF
19.86 14.24 14.96 9.27 8.67 13.89 13.96 14.22 14.22 14.22 24.45 12.99 10.40
Debt/EBITDA
4.53 2.77 5.79 2.81 0.6687 3.01 2.1 965.97 965.97 965.97 2.24 387.54 328.50
Netdebt/Ebitda
3.55 2.05 4.82 1.51 -0.0336 2.24 0.9146 417.95 417.95 417.95 1.03 167.80 -759.11
Debt/Ratio
0.0799 0.0544 0.0746 0.0339 0.0115 0.0418 0.0202 0.0271 0.0271 0.0271 0.39 0.0255 18.70
Debt/Equity
0.6544 0.4458 0.6146 0.3085 0.1137 0.4709 0.222 1.82 1.82 1.82 8.08 0.8893 74.13
Debt/Net Income
9.4 4.99 6.71 3.33 0.8883 3.9 2.76 3.7 3.7 3.7 3.29 2.99 33.02
PEG
-2.28 -2.28 -2.2800 0.00
Бета
0.6404 0.7287 2.06 2.06 0.65 1.14 47.62
Индекс Альтмана
0.4424 0.5365 0.4353 0.737 -16.99 0.5293 0.3893 0.8435 0.8435 0.8435 25.62 -2.8769 -154.85


Dividends

IFRS
Reporting Annual Quarterly
2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 LTM Industry average 5 year average CAGR 5
Див.выплата, млрд
0.0094 0.0093 0.0092 0.0097 0.0101 0.0105 0.0108 0.0113 0.0117 0.0117 0.0112 2.19
Дивиденд
1.24 1.26 1.31 1.37 1.44 0.76 1.6 1.64 2.26 2.26 1.54 9.43
Див доход, ао, %
2.76 2.56 3.08 2.79 3.69 1.57 3.26 4.18 4.64 4.11 1.60 3.47 4.69
Дивиденды / прибыль, %
52.58 46.83 50.49 38.9 36.78 35.83 24.8 29.73 42.58 42.58 56.24 33.94 2.97


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Other

IFRS
Reporting Annual
2023 2024 CAGR 5
Персонал, чел
393 375 -2.32