Peoples Financial Servs - Public Comps and Valuation Multiples

Peoples Financial Servs Overview

About Peoples Financial Servs

Peoples Financial Services Corp is a bank holding company operating through its subsidiaries. The bank provides a full range of financial services. Its products and services include checking accounts, business accounts, savings accounts, loan products, money market accounts, mortgages, chip-enabled debit cards, credit card processing, and visa master card and advisory services. Its loan portfolio includes Commercial loans, which consist of commercial, commercial real estate, municipal, and other related tax-free loans; and retail loans, which include residential real estate and other consumer loans. The company mainly operates in the United States in Pennsylvania.

Founded

1986

HQ

Employees

538

Website

psbt.com

Sectors

Commercial Banking

Financials

LTM Revenue $178M

Last FY EBITDA n/a

EV

$751M

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Peoples Financial Servs Financials

As of September 2025, Peoples Financial Servs reported last 12-month revenue of $178M.

In the same period, Peoples Financial Servs achieved $49.6M in LTM net income.

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Peoples Financial Servs P&L

In the most recent fiscal year, Peoples Financial Servs reported revenue of $134M.

Peoples Financial Servs expects next 12-month revenue of XXX and NTM EBITDA of XXX

See Peoples Financial Servs valuation multiples based on analyst estimates

	LTM	NTM	Last FY	FY 2025	FY 2026	FY 2027
Revenue	$178M	XXX	$134M	XXX	XXX	XXX
Gross Profit	n/a	XXX	n/a	XXX	XXX	XXX
Gross Margin	n/a	XXX	n/a	XXX	XXX	XXX
EBITDA	n/a	XXX	n/a	XXX	XXX	XXX
EBITDA Margin	n/a	XXX	n/a	XXX	XXX	XXX
EBIT	$65.9M	XXX	n/a	XXX	XXX	XXX
EBIT Margin	37%	XXX	n/a	XXX	XXX	XXX
Net Profit	$49.6M	XXX	$8.5M	XXX	XXX	XXX
Net Margin	28%	XXX	6%	XXX	XXX	XXX
Net Debt	XXX	XXX	$100.0M	XXX	XXX	XXX

Financial data powered by Morningstar, Inc.

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Financial performance metrics for Peoples Financial Servs including revenue, profitability, and margin analysis across different time periods. The company reported last twelve months revenue of $178M.
Financial Metric	Last Twelve Months (LTM)	Next Twelve Months (NTM)	Most Recent Fiscal Year	Current Fiscal Year (2025)	Next Fiscal Year (2026)	Two Years Forward (2027)
Total Revenue	$178M	Analyst estimates available to subscribers	$134M	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Gross Profit	n/a	Analyst estimates available to subscribers	n/a	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Gross Profit Margin	n/a	Analyst estimates available to subscribers	NaN% gross profit margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBITDA (Earnings Before Interest, Taxes, Depreciation, Amortization)	n/a	Analyst estimates available to subscribers	n/a	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBITDA Margin	n/a	Analyst estimates available to subscribers	NaN% EBITDA margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBIT (Earnings Before Interest and Taxes)	$65.9M	Analyst estimates available to subscribers	n/a	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBIT Margin	36.9% EBIT margin	Analyst estimates available to subscribers	n/a	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Net Income (Net Profit)	$49.6M	Analyst estimates available to subscribers	$8.5M	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Net Profit Margin	27.8% net profit margin	Analyst estimates available to subscribers	6.3% net profit margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Net Debt Position	Detailed debt information available to subscribers	Detailed debt information available to subscribers	$100.0M	Detailed debt information available to subscribers	Detailed debt information available to subscribers	Detailed debt information available to subscribers

Financial Performance Summary for Peoples Financial Servs

This financial data table provides comprehensive performance metrics for Peoples Financial Servs, a company based in United States of America. The metrics include revenue, profitability measures, and operational efficiency indicators across multiple time periods.

Recent Performance Highlights

Peoples Financial Servs generated $178M in revenue over the last twelve months.
Net income over the last twelve months reached $49.6M.

Fiscal Year Performance

In the most recent fiscal year, Peoples Financial Servs reported $134M in total revenue.
The company maintained a gross profit margin of NaN% in the most recent fiscal year.
EBITDA margin for the fiscal year was NaN%.
Net profit margin reached 6.3% in the most recent fiscal year.

This financial data is sourced from Morningstar, Inc. and represents the most recent available information for Peoples Financial Servs. Forward-looking estimates and detailed financial projections are available through our premium subscription service.

Peoples Financial Servs Stock Performance

Peoples Financial Servs has current market cap of $480M, and EV of $751M.

Market Cap Evolution

Peoples Financial Servs Stock Data

As of October 2, 2025, Peoples Financial Servs's stock price is $48.

See Peoples Financial Servs trading valuation data

EV	Market Cap	Price 1D	Price 1M	Price 3M	Price 12M	EPS
$751M	$480M	XXX	XXX	XXX	XXX	$5.64

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Peoples Financial Servs Valuation Multiples

Peoples Financial Servs's trades at 5.6x EV/Revenue multiple, and n/a EV/EBITDA.

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Peoples Financial Servs Financial Valuation Multiples

As of October 2, 2025, Peoples Financial Servs has market cap of $480M and EV of $751M.

Equity research analysts estimate Peoples Financial Servs's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX

Peoples Financial Servs has a P/E ratio of 9.7x.

	LTM	NTM	Last FY	FY 2025	FY 2026	FY 2027
Market cap (current)	$480M	XXX	$480M	XXX	XXX	XXX
EV (current)	$751M	XXX	$751M	XXX	XXX	XXX
EV/Revenue	4.2x	XXX	5.6x	XXX	XXX	XXX
EV/EBITDA	n/a	XXX	n/a	XXX	XXX	XXX
EV/EBIT	11.4x	XXX	n/a	XXX	XXX	XXX
EV/Gross Profit	n/a	XXX	n/a	XXX	XXX	XXX
P/E	9.7x	XXX	56.5x	XXX	XXX	XXX
EV/FCF	n/a	XXX	24.0x	XXX	XXX	XXX

Valuation data powered by FactSet, Inc. and Morningstar, Inc.

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Peoples Financial Servs Margins & Growth Rates

Peoples Financial Servs's last 12 month revenue growth is 12%

Peoples Financial Servs's revenue per employee in the last FY averaged $0.2M, while opex per employee averaged n/a for the same period.

Peoples Financial Servs's rule of 40 is unknown (metric relevant for SaaS companies only, counted as combined revenue growth rate and EBITDA margin).

Peoples Financial Servs's rule of X is unknown (created by Bessemer, rule of X is another metric relevant for SaaS companies only, ~1.5x stronger vs. the traditional Rule of 40, counted as revenue growth rate multiplied by 2.5 plus EBITDA margin).

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Peoples Financial Servs Operational Valuation Multiples

	LTM	NTM	Last FY	FY 2025	FY 2026	FY 2027
Revenue Growth	12%	XXX	23%	XXX	XXX	XXX
EBITDA Margin	n/a	XXX	n/a	XXX	XXX	XXX
EBITDA Growth	n/a	XXX	n/a	XXX	XXX	XXX
Rule of 40	n/a	XXX	n/a	XXX	XXX	XXX
Bessemer Rule of X	XXX	XXX	n/a	XXX	XXX	XXX
Revenue per Employee	XXX	XXX	$0.2M	XXX	XXX	XXX
Opex per Employee	XXX	XXX	n/a	XXX	XXX	XXX
S&M Expenses to Revenue	XXX	XXX	n/a	XXX	XXX	XXX
G&A Expenses to Revenue	XXX	XXX	n/a	XXX	XXX	XXX
R&D Expenses to Revenue	XXX	XXX	n/a	XXX	XXX	XXX
Opex to Revenue	XXX	XXX	n/a	XXX	XXX	XXX

Valuation data powered by FactSet, Inc. and Morningstar, Inc.

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