What is Peoples Finl Svcs Corp's earnings per share (EPS)?

Peoples Finl Svcs Corp (PFIS) reported diluted earnings per share of $5.88 for fiscal year 2025. This represents a 493.9% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Peoples Finl Svcs Corp Financials

PFIS

Source SEC Filings (10-K/10-Q) Updated Mar 31, 2026 Currency USD FYE December

This page shows Peoples Finl Svcs Corp (PFIS) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 17 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI PFIS FY2025 2026-05-08

Earnings snapped back as revenue expanded faster than funding costs within a still highly leveraged balance-sheet model.

The earnings engine changed shape: revenue reached $259.7M while interest expense stayed near $93.7M. Because selling costs also moved higher, net income rising from $8.5M to $59.2M points to a wider spread between asset yields and funding costs, not a simple expense reset.

Leverage is the amplifier here: return on assets was only 1.1%, but return on equity was 11.4% because a small equity base supports a very large asset book. That structure can make modest balance-sheet improvements look much larger at the shareholder level, which helps explain why profits moved more sharply than assets.

Cash generation broadly matched earnings, with operating cash flow of $54.3M and free cash flow of $43.3M, so the profit recovery was not purely accrual-driven. But dividends used $24.6M, which means a meaningful share of internally generated cash was returned rather than retained to thicken capital buffers.

Financial Health Signals

Financial Profile 30/100

Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →

Health score ≠ stock price. This rates the quality of Peoples Finl Svcs Corp's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Growth

Peoples Finl Svcs Corp's revenue surged 22.8% year-over-year to $259.7M, reflecting rapid business expansion. This strong growth earns a score of 86/100.

Leverage

Peoples Finl Svcs Corp has elevated debt relative to equity (D/E of 9.14), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.

Cash Flow

Peoples Finl Svcs Corp converts 16.7% of revenue into free cash flow ($43.3M). This strong cash generation earns a score of 66/100.

Returns

Peoples Finl Svcs Corp generates a 11.4% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 29/100. This is up from 1.8% the prior year.

Piotroski F-Score Neutral

4/9

Peoples Finl Svcs Corp passes 4 of 9 financial strength tests. 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.

Earnings Quality Mixed

0.92x

For every $1 of reported earnings, Peoples Finl Svcs Corp generates $0.92 in operating cash flow ($54.3M OCF vs $59.2M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.

Key Financial Metrics

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Earnings & Revenue

Revenue

$259.7M

YoY+22.8%

5Y CAGR+22.5%

10Y CAGR+15.2%

Peoples Finl Svcs Corp generated $259.7M in revenue in fiscal year 2025. This represents an increase of 22.8% from the prior year.

EBITDA

N/A

Net Income

$59.2M

YoY+596.5%

5Y CAGR+15.1%

10Y CAGR+12.8%

Peoples Finl Svcs Corp reported $59.2M in net income in fiscal year 2025. This represents an increase of 596.5% from the prior year.

EPS (Diluted)

$5.88

YoY+493.9%

5Y CAGR+8.0%

10Y CAGR+9.6%

Peoples Finl Svcs Corp earned $5.88 per diluted share (EPS) in fiscal year 2025. This represents an increase of 493.9% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$43.3M

YoY+34.8%

5Y CAGR+4.4%

10Y CAGR+5.8%

Peoples Finl Svcs Corp generated $43.3M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 34.8% from the prior year.

Cash & Debt

$269.0M

YoY+98.0%

5Y CAGR+3.3%

10Y CAGR+23.4%

Peoples Finl Svcs Corp held $269.0M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

$2.47

YoY+19.9%

5Y CAGR+11.4%

10Y CAGR+7.1%

Peoples Finl Svcs Corp paid $2.47 per share in dividends in fiscal year 2025. This represents an increase of 19.9% from the prior year.

Shares Outstanding

10M

YoY+0.0%

5Y CAGR+6.7%

10Y CAGR+3.0%

Peoples Finl Svcs Corp had 10M shares outstanding in fiscal year 2025. This represents an increase of 0.0% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

22.8%

YoY+18.8pp

5Y CAGR-8.4pp

10Y CAGR-5.3pp

Peoples Finl Svcs Corp's net profit margin was 22.8% in fiscal year 2025, showing the share of revenue converted to profit. This is up 18.8 percentage points from the prior year.

Return on Equity

11.4%

YoY+9.6pp

5Y CAGR+2.1pp

10Y CAGR+4.3pp

Peoples Finl Svcs Corp's ROE was 11.4% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 9.6 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

N/A

Capital Expenditures

$10.9M

YoY+324.6%

5Y CAGR+36.7%

10Y CAGR+9.5%

Peoples Finl Svcs Corp invested $10.9M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 324.6% from the prior year.

PFIS Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$259.7M+22.8%	$211.5M+41.1%	$149.9M+34.6%	$111.3M+18.4%	$94.1M-0.1%	$94.1M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$56.3M+23.2%	$45.7M+29.6%	$35.3M+5.2%	$33.6M+12.8%	$29.7M-1.3%	$30.1M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$93.7M-1.8%	$95.5M+51.3%	$63.1M+304.9%	$15.6M+65.4%	$9.4M-34.2%	$14.3M
Income Tax	$13.0M+43590.0%	-$30K-100.6%	$5.1M-29.6%	$7.3M-27.2%	$10.0M+107.4%	$4.8M
Net Income	$59.2M+596.5%	$8.5M-69.0%	$27.4M-28.1%	$38.1M-12.5%	$43.5M+48.3%	$29.4M
EPS (Diluted)	$5.88+493.9%	$0.99-74.2%	$3.83-27.5%	$5.28-12.3%	$6.02+50.5%	$4.00

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Revenue	$64.7M-3.1%	$66.8M+2.5%	$65.2M-0.3%	$65.3M+4.7%	$62.4M-5.1%	$65.8M-3.6%	$68.3M+77.9%	$38.4M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$14.5M-3.0%	$15.0M+6.0%	$14.1M+2.7%	$13.8M+2.1%	$13.5M-11.8%	$15.3M+16.1%	$13.2M+55.9%	$8.4M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$21.8M-8.0%	$23.7M-1.0%	$24.0M+3.6%	$23.1M+1.1%	$22.9M-16.2%	$27.3M-6.0%	$29.0M+49.2%	$19.5M
Income Tax	$3.8M+37.4%	$2.7M-23.8%	$3.6M+3.8%	$3.5M+6.9%	$3.2M+1291.9%	-$272K+58.6%	-$657K-256.1%	$421K
Net Income	$14.7M+23.1%	$12.0M-21.4%	$15.2M-10.1%	$17.0M+13.0%	$15.0M+146.6%	$6.1M+240.4%	-$4.3M-232.1%	$3.3M
EPS (Diluted)	$1.47	N/A	$1.51-10.1%	$1.68+12.8%	$1.49	N/A	$-0.43-193.5%	$0.46

PFIS Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$5.3B+3.5%	$5.1B+36.1%	$3.7B+5.3%	$3.6B+5.5%	$3.4B+16.8%	$2.9B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$269.0M+98.0%	$135.9M-27.5%	$187.4M+394.8%	$37.9M-86.5%	$279.9M+22.7%	$228.2M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$76.0M0.0%	$76.0M+19.9%	$63.4M0.0%	$63.4M0.0%	$63.4M0.0%	$63.4M
Total Liabilities	$4.8B+2.8%	$4.6B+35.9%	$3.4B+5.1%	$3.2B+6.9%	$3.0B+18.0%	$2.6B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$519.8M+10.9%	$468.9M+37.8%	$340.4M+8.0%	$315.4M-7.3%	$340.1M+7.3%	$316.9M
Retained Earnings	$273.5M+14.5%	$239.0M-3.9%	$248.6M+7.8%	$230.5M+13.1%	$203.8M+19.1%	$171.0M

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Total Assets	$5.4B+2.9%	$5.3B+2.2%	$5.2B+1.0%	$5.1B+2.2%	$5.0B-1.8%	$5.1B-5.0%	$5.4B+48.2%	$3.6B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$328.6M+22.2%	$269.0M+49.5%	$179.9M+2.4%	$175.7M+127.9%	$77.1M-43.2%	$135.9M-52.4%	$285.5M+471.4%	$50.0M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$76.0M0.0%	$76.0M0.0%	$76.0M0.0%	$76.0M0.0%	$76.0M0.0%	$76.0M-1.3%	$77.0M+21.4%	$63.4M
Total Liabilities	$4.9B+3.1%	$4.8B+2.2%	$4.7B+0.8%	$4.6B+2.1%	$4.5B-2.3%	$4.6B-5.4%	$4.9B+49.2%	$3.3B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$525.5M+1.1%	$519.8M+2.1%	$509.3M+3.1%	$494.1M+2.5%	$481.9M+2.8%	$468.9M-1.3%	$475.1M+39.4%	$340.8M
Retained Earnings	$282.0M+3.1%	$273.5M+2.2%	$267.7M+3.5%	$258.6M+4.4%	$247.8M+3.7%	$239.0M0.0%	$239.0M-4.2%	$249.5M

PFIS Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$54.3M+56.3%	$34.7M+4.4%	$33.3M-21.5%	$42.4M+3.9%	$40.8M+9.7%	$37.2M
Capital Expenditures	$10.9M+324.6%	$2.6M-56.5%	$5.9M-24.3%	$7.8M+60.3%	$4.9M+113.1%	$2.3M
Free Cash Flow	$43.3M+34.8%	$32.1M+17.6%	$27.3M-20.9%	$34.5M-3.8%	$35.9M+2.9%	$34.9M
Investing Cash Flow	-$24.4M-106.3%	$386.3M+1600.1%	-$25.8M+94.5%	-$467.8M-6.3%	-$440.1M-118.7%	-$201.2M
Financing Cash Flow	$103.3M+121.9%	-$472.6M-432.8%	$142.0M-22.6%	$183.4M-59.3%	$451.1M+24.9%	$361.1M
Dividends Paid	$24.6M+36.2%	$18.1M+55.2%	$11.7M+2.9%	$11.3M+4.9%	$10.8M+2.6%	$10.5M
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Operating Cash Flow	$8.3M-48.4%	$16.1M+5.7%	$15.2M+9.5%	$13.9M+53.2%	$9.1M+15.3%	$7.9M-64.1%	$21.9M+1159.1%	$1.7M
Capital Expenditures	$1.8M-36.6%	$2.9M+30.5%	$2.2M-59.4%	$5.4M+980.4%	$499K+121.2%	-$2.4M-154.5%	$4.3M+983.4%	$398K
Free Cash Flow	$6.5M-51.0%	$13.2M+1.6%	$13.0M+53.3%	$8.5M-0.8%	$8.6M+55.5%	$5.5M-68.6%	$17.6M+1211.3%	$1.3M
Investing Cash Flow	-$80.3M-328.2%	-$18.7M+53.7%	-$40.5M-586.7%	-$5.9M-114.5%	$40.7M-64.3%	$114.0M-59.5%	$281.6M+7379.0%	-$3.9M
Financing Cash Flow	$131.6M+43.5%	$91.7M+211.6%	$29.4M-67.5%	$90.6M+183.5%	-$108.5M+60.0%	-$271.4M-299.6%	-$67.9M-17.4%	-$57.9M
Dividends Paid	$6.2M+1.4%	$6.2M0.0%	$6.2M0.0%	$6.2M0.0%	$6.2M+0.1%	$6.2M0.0%	$6.2M+112.6%	$2.9M
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

PFIS Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	22.8%+18.8pp	4.0%-14.3pp	18.3%-15.9pp	34.2%-12.1pp	46.3%+15.1pp	31.2%
Return on Equity	11.4%+9.6pp	1.8%-6.2pp	8.0%-4.0pp	12.1%-0.7pp	12.8%+3.5pp	9.3%
Return on Assets	1.1%+0.9pp	0.2%-0.6pp	0.7%-0.3pp	1.1%-0.2pp	1.3%+0.3pp	1.0%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	9.14-0.7	9.86-0.1	9.99-0.3	10.27+1.4	8.91+0.8	8.10
FCF Margin	16.7%+1.5pp	15.2%-3.0pp	18.2%-12.8pp	31.0%-7.1pp	38.1%+1.1pp	37.1%

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	22.8%+4.8pp	17.9%-5.5pp	23.4%-2.5pp	25.9%+1.9pp	24.0%+14.8pp	9.3%+15.6pp	-6.3%-14.9pp	8.6%
Return on Equity	2.8%+0.5pp	2.3%-0.7pp	3.0%-0.4pp	3.4%+0.3pp	3.1%+1.8pp	1.3%+2.2pp	-0.9%-1.9pp	1.0%
Return on Assets	0.3%+0.0pp	0.2%-0.1pp	0.3%-0.0pp	0.3%+0.0pp	0.3%+0.2pp	0.1%+0.2pp	-0.1%-0.2pp	0.1%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	9.32+0.2	9.140.0	9.13-0.2	9.34-0.0	9.38-0.5	9.86-0.4	10.28+0.7	9.61
FCF Margin	10.0%-9.8pp	19.8%-0.2pp	20.0%+7.0pp	13.0%-0.7pp	13.7%+5.4pp	8.4%-17.4pp	25.8%+22.3pp	3.5%

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Frequently Asked Questions

What is Peoples Finl Svcs Corp's annual revenue?

Peoples Finl Svcs Corp (PFIS) reported $259.7M in total revenue for fiscal year 2025. This represents a 22.8% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Peoples Finl Svcs Corp's revenue growing?

Peoples Finl Svcs Corp (PFIS) revenue grew by 22.8% year-over-year, from $211.5M to $259.7M in fiscal year 2025.

Is Peoples Finl Svcs Corp profitable?

Yes, Peoples Finl Svcs Corp (PFIS) reported a net income of $59.2M in fiscal year 2025, with a net profit margin of 22.8%.

What is Peoples Finl Svcs Corp's net profit margin?

Peoples Finl Svcs Corp (PFIS) had a net profit margin of 22.8% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Peoples Finl Svcs Corp pay dividends?

Yes, Peoples Finl Svcs Corp (PFIS) paid $2.47 per share in dividends during fiscal year 2025.

What is Peoples Finl Svcs Corp's return on equity (ROE)?

Peoples Finl Svcs Corp (PFIS) has a return on equity of 11.4% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Peoples Finl Svcs Corp's free cash flow?

Peoples Finl Svcs Corp (PFIS) generated $43.3M in free cash flow during fiscal year 2025. This represents a 34.8% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Peoples Finl Svcs Corp's operating cash flow?

Peoples Finl Svcs Corp (PFIS) generated $54.3M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Peoples Finl Svcs Corp's total assets?

Peoples Finl Svcs Corp (PFIS) had $5.3B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Peoples Finl Svcs Corp's capital expenditures?

Peoples Finl Svcs Corp (PFIS) invested $10.9M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

How many shares does Peoples Finl Svcs Corp have outstanding?

Peoples Finl Svcs Corp (PFIS) had 10M shares outstanding as of fiscal year 2025.

What is Peoples Finl Svcs Corp's debt-to-equity ratio?

Peoples Finl Svcs Corp (PFIS) had a debt-to-equity ratio of 9.14 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Peoples Finl Svcs Corp's return on assets (ROA)?

Peoples Finl Svcs Corp (PFIS) had a return on assets of 1.1% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Peoples Finl Svcs Corp's Piotroski F-Score?

Peoples Finl Svcs Corp (PFIS) has a Piotroski F-Score of 4 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Peoples Finl Svcs Corp's earnings high quality?

Peoples Finl Svcs Corp (PFIS) has an earnings quality ratio of 0.92x, considered mixed quality. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Peoples Finl Svcs Corp?

Peoples Finl Svcs Corp (PFIS) scores 30 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.