PFIS Peoples Financial Services Corp. - Common Stock

NASDAQ · Banking · SEC EDGAR에서 보기 ↗
$58.20
가격 · 5월 20, 2026
기준 재무 정보 5월 8, 2026
52주 범위
$44–$60
90% of range
애널리스트 평점
HOLD
7 analysts
목표 주가
$62
+7% upside
P/E (TTM)
8.3
ROE
11.7%
순이익률
31.5%

PFIS 주식 스냅샷 가격, 시가총액, P/E, EPS, ROE, 부채/자본, 52주 범위

가격
$58.20
시가총액
$487M
P/E (TTM)
8.3
EPS (TTM)
$5.88
매출 (TTM)
—
배당 수익률
5.1%
ROE
11.7%
부채/자본
0.1
52주 범위
$44 – $60

PFIS 주가 차트 기술 지표가 포함된 일일 OHLCV — 팬, 확대/축소 및 보기 사용자 정의

10년 성과 매출, 순이익, 마진 및 EPS 추세

매출 및 순이익 —
EPS $5.88
10-point trend, +121.9%
2016-12-31 → 2025-12-31
잉여현금흐름 $43M
10-point trend, +103.6%
2016-12-31 → 2025-12-31
마진 31.5%

가치 평가 P/E, P/S, P/B, EV/EBITDA 비율 — 주식이 비싼가요, 싼가요?

지표
5년 추세
PFIS
동종업계 중앙값
P/E (TTM)
5-point trend, -5.4%
8.3
11.8
P/S (TTM)
5-point trend, -24.3%
2.6
2.5
P/B
5-point trend, -15.7%
0.9
1.0
Price / FCF (주가 / FCF)
5-point trend, +6.7%
11.2
—

수익성 총, 영업 및 순이익률; ROE, ROA, ROIC

지표
5년 추세
PFIS
동종업계 중앙값
Net Profit Margin (순이익률)
5-point trend, -20.1%
31.5%
27.9%
ROA
5-point trend, -18.0%
1.1%
0.89%
ROE
5-point trend, -10.4%
11.7%
8.4%

재무 건전성 부채, 유동성, 지급능력 — 대차대조표 건전성

지표
5년 추세
PFIS
동종업계 중앙값
Debt / Equity (부채 / 자기자본 비율)
5-point trend, -60.1%
0.1
12.4

성장 매출, EPS 및 순이익 성장률: YoY, 3년 CAGR, 5년 CAGR

지표
5년 추세
PFIS
동종업계 중앙값
Revenue YoY (매출 YoY)
39.7%
—
Revenue CAGR 3Y (매출 CAGR 3년)
20.4%
—
Revenue CAGR 5Y (매출 CAGR 5년)
14.2%
—
EPS YoY
5-point trend, -2.3%
493.9%
—
Net Income YoY (순이익 YoY)
5-point trend, +36.0%
596.5%
—

주당 지표 EPS, 주당 순자산, 주당 현금 흐름, 주당 배당금

지표
5년 추세
PFIS
동종업계 중앙값
EPS (Diluted) (EPS (희석))
5-point trend, -2.3%
$5.88
—

자본 효율성 자산 회전율, 재고 회전율, 매출채권 회전율

지표
5년 추세
PFIS
동종업계 중앙값
Payout Ratio (지급 비율)
5-point trend, +67.9%
41.6%
—

배당금 배당 수익률, 지급 비율, 배당 이력, 5년 CAGR

배당 수익률
5.1%
지급 비율
41.6%
5년 배당 CAGR
—
배당락일금액
2026년 2월 27일$0.6250
2025년 11월 28일$0.6180
2025년 8월 29일$0.6180
2025년 5월 30일$0.6180
2025년 2월 28일$0.6180
2024년 11월 29일$0.6180
2024년 8월 30일$0.6180
2024년 5월 31일$0.4100
2024년 2월 28일$0.4100
2023년 11월 29일$0.4100
2023년 8월 30일$0.4100
2023년 5월 30일$0.4100
2023년 2월 27일$0.4100
2022년 11월 29일$0.4000
2022년 8월 30일$0.4000
2022년 5월 27일$0.3900
2022년 2월 25일$0.3900
2021년 11월 29일$0.3800
2021년 8월 30일$0.3800
2021년 5월 27일$0.3700

PFIS 분석가 합의 강세 및 약세 애널리스트 의견, 12개월 목표 주가, 상승 여력

매도 7 명의 애널리스트
  • 적극 매수 0 0.0%
  • 매수 0 0.0%
  • 보유 4 57.1%
  • 매도 1 14.3%
  • 적극 매도 2 28.6%

12개월 목표 주가

2 명의 애널리스트 · 2026-05-16
중앙값 목표 $62.00 +6.5%
평균 목표 $62.00 +6.5%

실적 기록 EPS 실제 vs 예상, 서프라이즈 %, 달성률, 다음 실적 발표일

평균 서프라이즈
-0.01%
기간 EPS Actual EPS 예상 서프라이즈
2026년 3월 31일 $1.43 $1.55 -0.12%
2025년 12월 31일 $1.36 $1.55 -0.19%
2025년 9월 30일 $1.51 $1.57 -0.06%
2025년 6월 30일 $1.69 $1.51 0.18%
2025년 3월 31일 $1.51 $1.35 0.16%

동료 비교 주요 지표 대 섹터 동종 기업

티커 시가총액 P/E 매출 YoY 순이익률 ROE 매출 총이익률
PFIS $487M 8.3 39.7% 31.5% 11.7% —
NPB $579M 8.0 29.2% 34.5% 14.2% —
CARE $434M 14.2 4.7% 154.4% 7.6% —
NFBK — 571.5 6.8% — — —
RRBI $470M 11.2 14.4% 34.1% 12.2% —
MSBI — — — — — —
ACNB $501M 13.4 45.1% 19.3% 9.1% —
NRIM $588M 9.3 30.4% 25.3% 20.9% 81.7%
FFIC — 28.1 7.3% — — —

전체 기본 지표 연도별 모든 지표 — 손익계산서, 대차대조표, 현금흐름

손익계산서 9
PFIS의 연간 손익계산서 데이터
지표 추세 202520242023202220212020201920182017201620152014
Interest Expense 10-point trend, +850.0% · · $63M $16M $9M $14M $18M $13M $9M $7M $6M $7M
Interest Income 12-point trend, +306.1% $260M $211M $150M $111M $94M $94M $93M $85M $74M $69M $63M $64M
Pretax Income 12-point trend, +212.6% $72M $8M $33M $45M $54M $34M $29M $28M $27M $25M $22M $23M
Income Tax 12-point trend, +139.0% $13M $-30.0K $5M $7M $10M $5M $3M $3M $8M $5M $5M $5M
Net Income 12-point trend, +235.4% $59M $8M $27M $38M $44M $29M $26M $25M $18M $20M $18M $18M
EPS (Basic) 12-point trend, +153.0% $5.92 $1.00 $3.85 $5.31 $6.05 $4.02 $3.48 $3.37 $2.50 $2.65 $2.36 $2.34
EPS (Diluted) 12-point trend, +151.3% $5.88 $0.99 $3.83 $5.28 $6.02 $4.00 $3.47 $3.37 $2.50 $2.65 $2.36 $2.34
Shares (Diluted) 12-point trend, +33.2% 10,073,996 8,586,035 7,151,471 7,211,643 7,235,303 7,337,843 7,412,369 7,402,900 7,395,837 7,396,716 7,516,451 7,561,982
EBITDA 12-point trend, +98.5% $3M $3M $3M $3M $3M $3M $3M $2M $2M $2M $2M $2M
대차대조표 18
PFIS의 연간 대차대조표 데이터
지표 추세 202520242023202220212020201920182017201620152014
Cash & Equivalents 4-point trend, +19.3% · · · · · · · · $37M $40M $33M $31M
PP&E (Net) 12-point trend, +208.6% $78M $73M $61M $56M $52M $47M $48M $39M $38M $33M $28M $25M
PP&E (Gross) 12-point trend, +181.9% $126M $126M $100M $92M $85M $78M $77M $65M $62M $55M $49M $45M
Accum. Depreciation 12-point trend, +146.8% $48M $53M $39M $36M $34M $31M $29M $26M $24M $22M $20M $19M
Goodwill 12-point trend, +19.9% $76M $76M $63M $63M $63M $63M $63M $63M $63M $63M $63M $63M
Intangibles 7-point trend, +1106.4% $28M $34M · $105.0K $468.0K $960.0K $2M $2M · · · ·
Other Non-current Assets 12-point trend, -69.5% $4M $5M $2M $3M $6M $6M $7M $8M $9M $10M $14M $14M
Total Assets 12-point trend, +202.6% $5.27B $5.09B $3.74B $3.55B $3.37B $2.88B $2.48B $2.29B $2.17B $2.00B $1.82B $1.74B
Short-term Debt 12-point trend, +67.3% $33M $16M $18M $115M $0 $50M $152M $86M $124M $83M $38M $20M
Total Liabilities 12-point trend, +217.8% $4.75B $4.62B $3.40B $3.24B $3.03B $2.57B $2.18B $2.01B $1.90B $1.74B $1.57B $1.49B
Long-term Debt 6-point trend, -1.2% · · · · · · $33M $38M $50M $58M $60M $33M
Total Debt 11-point trend, +67.3% $33M $16M $18M $115M · $50M $152M $86M $124M $83M $38M $20M
Common Stock 12-point trend, +32.6% $20M $20M $14M $14M $14M $14M $15M $15M $15M $15M $15M $15M
Retained Earnings 12-point trend, +196.3% $274M $239M $249M $231M $204M $171M $152M $137M $121M $111M $101M $92M
AOCI 12-point trend, -2878.4% $-25M $-41M $-44M $-56M $-6M $2M $-3M $-8M $-6M $-4M $-2M $-829.0K
Stockholders' Equity 12-point trend, +110.7% $520M $469M $340M $315M $340M $317M $299M $279M $265M $257M $249M $247M
Liabilities + Equity 12-point trend, +202.6% $5.27B $5.09B $3.74B $3.55B $3.37B $2.88B $2.48B $2.29B $2.17B $2.00B $1.82B $1.74B
Shares Outstanding 12-point trend, +32.4% 9,994,595 9,990,724 7,040,852 7,158,017 7,169,372 7,215,202 7,388,480 7,399,054 7,396,505 7,394,143 7,410,606 7,548,358
현금 흐름 18
PFIS의 연간 현금 흐름 데이터
지표 추세 202520242023202220212020201920182017201620152014
D&A 12-point trend, +98.5% $3M $3M $3M $3M $3M $3M $3M $2M $2M $2M $2M $2M
Stock-based Comp 12-point trend, +397.1% $348.0K $786.0K $888.0K $534.0K $546.0K $570.0K $554.0K $272.0K $177.0K $71.0K $69.0K $70.0K
Deferred Tax 12-point trend, +311.3% $5M $-4M $1M $611.0K $450.0K $-2M $394.0K $-681.0K $2M $-1M $-841.0K $1M
Amort. of Intangibles 12-point trend, +379.5% $6M $3M $105.0K $363.0K $491.0K $606.0K $730.0K $881.0K $1M $1M $1M $1M
Other Non-cash 12-point trend, -51219.2% $-13M $25M $922.0K $34.0K $-6M $6M $7M $6M $6M $8M $10M $26.0K
Operating Cash Flow 12-point trend, +124.3% $54M $35M $33M $42M $41M $37M $37M $33M $29M $28M $29M $24M
CapEx 12-point trend, +919.0% $11M $3M $6M $8M $5M $2M $6M $4M $6M $7M $4M $1M
Investing Cash Flow 11-point trend, +72.7% $-24M $386M $-26M $-468M $-440M $-201M $-185M $-135M $-185M $-186M $-89M ·
Debt Issued 4-point trend, +154.1% $76M · $25M · · · $16M · · · $30M ·
Net Debt Issued 12-point trend, +1096.3% $35M $-23M $24M $-2M $-12M $-18M $-5M $-12M $-8M $-2M $27M $-4M
Stock Repurchased · · · · · · · · · · · $70.0K
Net Stock Activity · · · · · · · · · · · $-70.0K
Dividends Paid 12-point trend, +163.3% $25M $18M $12M $11M $11M $11M $10M $10M $9M $9M $9M $9M
Financing Cash Flow 11-point trend, +67.3% $103M $-473M $142M $183M $451M $361M $146M $97M $154M $165M $62M ·
Net Change in Cash 12-point trend, +769.5% $133M $-52M $149M $-242M $52M $197M $-1M $-5M $-2M $7M $1M $-20M
Taxes Paid 12-point trend, +51.3% $8M $2M $3M $10M $7M $6M $5M $3M $6M $6M $4M $5M
Free Cash Flow 12-point trend, +123.5% $43M $31M $27M $35M $36M $35M $31M $29M $22M $21M $24M $19M
Levered FCF 10-point trend, -280.4% · · $-26M $21M $28M $23M $16M $17M $16M $16M $19M $14M
수익성 5
PFIS의 연간 수익성 데이터
지표 추세 202520242023202220212020201920182017201620152014
Net Margin 12-point trend, +29.6% 31.5% 6.3% 27.1% 35.4% 39.5% 30.4% 28.4% 29.3% 22.3% 25.2% 24.4% 24.3%
Pretax Margin 12-point trend, +20.9% 38.5% 6.3% 32.2% 42.2% 48.5% 35.4% 31.9% 33.3% 32.2% 31.7% 30.6% 31.8%
EBITDA Margin 12-point trend, -23.0% 1.8% 2.5% 2.8% 2.9% 2.5% 3.0% 3.4% 2.7% 2.4% 2.1% 2.2% 2.3%
ROA 12-point trend, +10.7% 1.1% 0.19% 0.75% 1.1% 1.4% 1.1% 1.1% 1.1% 0.89% 1.0% 1.0% 1.0%
ROE 12-point trend, +63.0% 11.7% 1.8% 8.2% 12.3% 13.0% 9.3% 8.6% 9.0% 7.0% 7.6% 7.1% 7.2%
유동성 및 지급능력 1
PFIS의 연간 유동성 및 지급능력 데이터
지표 추세 202520242023202220212020201920182017201620152014
Debt / Equity 11-point trend, -20.6% 0.1 0.0 0.1 0.4 · 0.2 0.5 0.3 0.5 0.3 0.2 0.1
효율성 1
PFIS의 연간 효율성 데이터
지표 추세 202520242023202220212020201920182017201620152014
Asset Turnover 12-point trend, -14.4% 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0
주당 6
PFIS의 연간 주당 데이터
지표 추세 202520242023202220212020201920182017201620152014
Book Value / Share 11-point trend, +54.9% $52.01 $46.94 $48.35 $44.06 $47.44 $43.92 $40.47 $37.66 $35.82 $34.71 $33.57 ·
Revenue / Share 12-point trend, +94.2% $18.63 $15.64 $14.11 $14.92 $15.24 $13.14 $12.26 $11.49 $11.19 $10.49 $9.68 $9.60
Cash Flow / Share 12-point trend, +98.1% $5.39 $3.95 $4.65 $5.87 $5.63 $5.07 $5.01 $4.41 $3.87 $3.79 $3.76 $2.72
Cash / Share 3-point trend, +14.1% · · · · · · · · $5.07 $5.40 $4.44 ·
Dividend / Share 12-point trend, +99.2% $2 $2 $2 $2 $2 $1 $1 $1 $1 $1 $1 $1
EPS (TTM) 12-point trend, +151.3% $5.88 $0.99 $3.83 $5.28 $6.02 $4.00 $3.47 $3.37 $2.50 $2.65 $2.36 $2.34
성장률 10
PFIS의 연간 성장률 데이터
지표 추세 202520242023202220212020201920182017201620152014
Revenue YoY 5-point trend, +177.1% 39.7% 33.1% -6.2% -2.4% 14.3% · · · · · · ·
Revenue CAGR 3Y 3-point trend, +1249.7% 20.4% 6.8% 1.5% · · · · · · · · ·
Revenue CAGR 5Y 14.2% · · · · · · · · · · ·
EPS YoY 5-point trend, +878.1% 493.9% -74.2% -27.5% -12.3% 50.5% · · · · · · ·
EPS CAGR 3Y 3-point trend, +353.5% 3.6% -45.2% -1.4% · · · · · · · · ·
EPS CAGR 5Y 8.0% · · · · · · · · · · ·
Net Income YoY 5-point trend, +1136.0% 596.5% -69.0% -28.1% -12.5% 48.3% · · · · · · ·
Net Income CAGR 3Y 3-point trend, +791.3% 15.8% -42.0% -2.3% · · · · · · · · ·
Net Income CAGR 5Y 15.1% · · · · · · · · · · ·
Dividend CAGR 5Y 18.6% · · · · · · · · · · ·
가치 평가 (TTM) 17
PFIS의 연간 가치 평가 (TTM) 데이터
지표 추세 202520242023202220212020201920182017201620152014
Revenue TTM 12-point trend, +158.6% $188M $134M $101M $108M $110M $96M $91M $85M $83M $78M $73M $73M
Net Income TTM 12-point trend, +235.4% $59M $8M $27M $38M $44M $29M $26M $25M $18M $20M $18M $18M
Market Cap 11-point trend, +72.5% $487M $511M $343M $371M $378M $265M $372M $326M $345M $360M $282M ·
Enterprise Value 3-point trend, +49.8% · · · · · · · · $431M $403M $288M ·
P/E 12-point trend, -61.0% 8.3 51.7 12.7 9.8 8.8 9.2 14.5 13.1 18.6 18.4 16.1 21.2
P/S 11-point trend, -33.2% 2.6 3.8 3.4 3.4 3.4 2.8 4.1 3.8 4.2 4.6 3.9 ·
P/B 11-point trend, -17.4% 0.9 1.1 1.0 1.2 1.1 0.8 1.2 1.2 1.3 1.4 1.1 ·
P / Tangible Book 6-point trend, +11.4% 1.2 1.4 1.2 1.5 1.4 1.1 · · · · · ·
P / Cash Flow 11-point trend, -10.2% 9.0 15.1 10.3 8.8 9.3 7.1 10.0 10.0 12.0 12.8 10.0 ·
P / FCF 11-point trend, -5.6% 11.2 16.3 12.5 10.7 10.5 7.6 11.8 11.4 15.4 16.9 11.9 ·
EV / EBITDA 3-point trend, +22.5% · · · · · · · · 220.9 242.5 180.3 ·
EV / FCF 3-point trend, +58.9% · · · · · · · · 19.3 18.9 12.1 ·
EV / Revenue 3-point trend, +31.6% · · · · · · · · 5.2 5.2 4.0 ·
Dividend Yield 11-point trend, +53.3% 5.1% 3.5% 3.4% 3.0% 2.9% 4.0% 2.7% 3.0% 2.7% 2.5% 3.3% ·
Earnings Yield 12-point trend, +156.3% 12.1% 1.9% 7.9% 10.2% 11.4% 10.9% 6.9% 7.6% 5.4% 5.4% 6.2% 4.7%
Payout Ratio 12-point trend, -21.5% 41.6% 212.9% 42.6% 29.7% 24.8% 35.8% 39.4% 38.9% 50.5% 46.8% 52.6% 53.0%
Annual Payout 12-point trend, +163.3% $25M $18M $12M $11M $11M $11M $10M $10M $9M $9M $9M $9M

재무제표 손익계산서, 대차대조표, 현금흐름 — 연간, 지난 5년

손익계산서
2025-12-312024-12-312023-12-312022-12-312021-12-31
순이익 $59M$8M$27M$38M$44M
희석 EPS $5.88$0.99$3.83$5.28$6.02
대차대조표
2025-12-312024-12-312023-12-312022-12-312021-12-31
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