Peoples Financial Services

Peoples Financial Services Corp. (Peoples) is a bank holding company. The Company provides a range of financial services through its subsidiary, Peoples Security Bank and Trust Company (Peoples Bank), including its subsidiary, Peoples Advisors. Peoples Bank is a state-chartered bank and trust company. Peoples Advisors, LLC, provides investment advisory services through a third party to individuals and small businesses. It provides an array of wealth management products and services, which include investment portfolio management, estate planning, annuities, business succession planning, insurances, education funding strategies and tax planning through Peoples Advisors, LLC. Its trust and investment services include investment management, individual retirement account (IRA) trustee services, estate administration, living trusts, trustee under will, guardianships, life insurance trusts, custodial services/IRA custodial services, corporate trusts, and pension and profit sharing plans.
Type
Public
HQ
Raleigh, US
Size (employees)
348 (est)
Peoples Financial Services is headquartered in Raleigh, US

Peoples Financial Services Office Locations

Peoples Financial Services has an office in Raleigh
Raleigh, US (HQ)
Westchase Blvd

Peoples Financial Services Data and Metrics

Peoples Financial Services Financial Metrics

Peoples Financial Services's revenue was reported to be $84.9 m in 2016
Numbers are in $, USD

Revenue (Y, 2016)

84.9 m

Revenue growth (Y, 2015 - Y, 2016), %

35%

Gross profit (Y, 2016)

77.6 m

Gross profit margin (Y, 2016), %

91%

Net income (Y, 2016)

19.6 m

EBIT (Y, 2016)

56.7 m

Market capitalization (22-Jun-2017)

318 m

Closing share price (22-Jun-2017)

42.2

Cash (31-Dec-2016)

39.5 m

EV

419.4 m
Peoples Financial Services's current market capitalization is $318 m.
FY, 2013FY, 2014FY, 2015Y, 2016

Revenue

49.1 m79.2 m63 m84.9 m

Revenue growth, %

61%(20%)35%

Cost of goods sold

6 m7.3 m

Gross profit

57 m77.6 m

Gross profit Margin, %

90%91%

Operating expense total

36.4 m45.9 m46.8 m48 m

EBIT

30.8 m53.8 m53.3 m56.7 m

EBIT margin, %

63%68%85%67%

Interest expense

4.2 m6.6 m

Pre tax profit

6.2 m23.1 m22.2 m24.6 m

Income tax expense

485 k5.5 m4.5 m5 m

Net Income

5.7 m17.6 m17.7 m19.6 m
FY, 2013FY, 2014FY, 2015FY, 2016

Cash

30 m24.7 m28.2 m39.5 m

Accounts Receivable

5.9 m5.6 m5.8 m6.2 m

PP&E

26.1 m25.4 m28.2 m33.3 m

Goodwill

63.4 m63.4 m63.4 m63.4 m

Total Assets

1.7 b1.7 b1.8 b2 b

Accounts Payable

723 k574 k560 k462 k

Total Debt

58.8 m52.7 m98.7 m140.8 m

Additional Paid-in Capital

146.1 m140.2 m135.4 m134.9 m

Retained Earnings

84 m92.3 m100.7 m111.1 m

Total Equity

238.8 m246.8 m248.8 m256.6 m

Debt to Equity Ratio

0.2 x0.2 x0.4 x0.5 x

Debt to Assets Ratio

0 x0 x0.1 x0.1 x

Financial Leverage

7.1 x7.1 x7.3 x7.8 x
FY, 2013FY, 2014FY, 2015FY, 2016

Net Income

5.7 m17.6 m17.7 m19.6 m

Depreciation and Amortization

1.2 m1.2 m

Accounts Receivable

621 k286 k(216 k)(432 k)

Accounts Payable

(466 k)(149 k)(14 k)(98 k)

Cash From Operating Activities

9.8 m20.6 m28.2 m28.1 m

Cash From Investing Activities

(14.9 m)71.9 m(89.2 m)(186.4 m)

Long-term Borrowings

(11.2 m)(3.5 m)(2.7 m)(2.2 m)

Dividends Paid

(5.5 m)(9.4 m)(9.3 m)

Cash From Financing Activities

8.6 m31.5 m62.5 m165.3 m

Interest Paid

4.6 m6.8 m6.8 m7.3 m

Income Taxes Paid

2.7 m5 m4.2 m5.9 m
Numbers are in $, USDY, 2016

EV/EBIT

7.4 x

EV/CFO

14.9 x

Revenue/Employee

243.9 k

Debt/Equity

0.5 x

Debt/Assets

0.1 x

Financial Leverage

7.8 x

Peoples Financial Services Market Value History

Peoples Financial Services Company Life and Culture

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