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Peoples Financial Services Corp.

NASDAQ•PFIS
CEO: Mr. Thomas P. Tulaney
セクター: Financial Services
業種: Banks - Regional
上場日: 2002-06-05
Peoples Financial Services Corp. operates as the bank holding company for Peoples Security Bank and Trust Company that provides various commercial and retail banking services. The company accepts money market, negotiable order of withdrawal, savings, individual retirement, demand deposit, and certificates of deposit accounts. It also provides residential real estate, automobile, manufactured housing, personal, and home equity loans; and commercial real estate, working capital, construction, small business administration, and agricultural loans, as well as loans for equipment and other commercial needs, and mineral rights. In addition, the company offers fiduciary and investment services; investment management, IRA trustee, estate administration, living and life insurance trust, trustee under will, guardianship, custodial/IRA custodial, and corporate trust services, as well as pension and profit-sharing plans. Further, it provides wealth management products and services comprising investment portfolio management, estate and business succession planning, annuities, insurance, retirement plan, and tax planning, as well as education funding strategies; and securities, brokerage, and investor services. Additionally, the company offers small business checking and merchant money market accounts, online and telephone banking, business credit cards, merchant line of credit, and financial checkup services; and remote deposit capture, automatic clearing house transaction, cash management, automated teller machine, point of sale transaction, safe deposit box, night depository, direct deposit, and official check services. It serves business, non-profit, governmental, municipal agency, and professional customers, as well as retail customers. Peoples Financial Services Corp. was founded in 1905 and is headquartered in Scranton, Pennsylvania.
連絡先情報
150 North Washington Avenue, Scranton, PA, 18503, United States
570-346-7741
www.psbt.com
時価総額
$526.32M
PER (TTM)
8.9
14.1
配当利回り
4.7%
52週高値
$57.71
52週安値
$38.90
52週レンジ
73%
順位41Top 44.9%
4.0
F-Score
改良版 Piotroski 分析
10年ファンダメンタル
堅調 • 4 / 9 ポイント
スコアレンジ (0-9)
8-9: 価値が優れている
6-7: 基礎体質が強い
4-5: 全体的に堅調
0-3: パフォーマンスが弱い
データ期間: 2016-2025

財務ダッシュボード

Q4 2025 データ

売上高

$70.50M-1.37%
直近4四半期の推移

EPS

$1.20+96.72%
直近4四半期の推移

フリーCF

$0.00+0.00%
直近4四半期の推移

2025 Q3 決算ハイライト

主なハイライト

Net Income Rebounds Strongly Q3 net income reached $15.2M, a significant turnaround from the $4.3M loss last year; 9-month net income was $47.2M.
Net Interest Margin Expansion Q3 FTE NIM improved to 3.54% from 3.26% year-over-year, driven by successful reduction of high-cost brokered deposits.
Asset Quality Significantly Improves Nonaccrual loans decreased to $14.4M (0.36% of loans); a $0.8M credit was recorded to the provision for credit losses.
Strong Capital Ratios Maintained Company CET1 ratio stood at 11.01%, well above the 4.50% minimum requirement, reflecting solid regulatory standing.

リスク要因

Interest Rate Risk Exposure Simulation shows potential NII decline if rates fall further, despite a current positive one-year RSA/RSL gap of 1.28%.
Deposit Base Contraction Total deposits decreased $117.8M from year-end 2024, primarily due to seasonal municipal outflows and brokered CD reductions.
Goodwill Valuation Assessment $76.0M goodwill balance requires annual testing; management performed a qualitative review noting no current impairment triggers.
Noninterest Expense Increases Nine-month noninterest expenses rose $12.6M, largely reflecting higher salaries and occupancy costs post-FNCB merger.

見通し

NIM Outlook Cautious Future FOMC rate actions could negatively impact NIM levels as floating rate assets reprice lower, requiring active management.
Funding Cost Strategy Shift Company replaced higher-cost brokered CDs with lower-rate FHLB term borrowings to manage funding costs proactively.
Asset Quality Expectations Management believes current allowance levels are adequate, expecting continued asset quality improvement to reduce specific reserves.
Post-Merger Synergy Realization Realizing anticipated synergies and economies of scale from the FNCB merger remains a key strategic focus for 2025.

同業比較

売上高 (TTM)

PGC stock ticker logoPGC
$441.36M
+9.5%
CBNK stock ticker logoCBNK
$303.63M
+25.6%
BWB stock ticker logoBWB
$291.63M
+16.0%

粗利益率 (最新四半期)

NFBK stock ticker logoNFBK
314.9%
+0.0pp
NRIM stock ticker logoNRIM
82.9%
+5.0pp
ACNB stock ticker logoACNB
77.1%
-3.2pp

主要指標

銘柄コード
時価総額
PER (TTM)
ROE (TTM)
負債比率
PGC$596.09M16.05.9%3.5%
RRBI$586.74M13.412.3%0.0%
NFBK$557.13M665.80.1%17.7%

長期トレンド

直近4四半期
売上高
純利益
営業キャッシュフロー
4四半期売上高CAGR
1.2%
緩やかな成長
4四半期純利益CAGR
-7.2%
収益性の低下
キャッシュフロー安定性
75%
キャッシュフローの変動が大きい

深度リサーチ

次回決算:2026年4月23日
|
EPS:$1.53
|
売上高:$49.90M
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バランスシート
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損益計算書
直近12ヶ月
データなし