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Peoples Financial Services Corp. logo
Peoples Financial Services Corp. PFIS
$ 71.52 0.8%
report update icon

Quarterly report 2026-Q2
added 08-07-2026

Peoples Financial Services Corp. Balance Sheet 2025-2008 | PFIS

Brief overview of Peoples Financial Services Corp.'s balance sheet structure

This overview follows the five latest available annual observations between 2021 and 2025.

Total assets increased by +56.4%, from $3.4 billion to $5.3 billion. A CAGR near 11.8% points to substantial expansion.

Asset growth of +56.4% was close to the +56.8% change in liabilities, leaving the funding profile broadly stable.

For a financial business, a high liability share is part of the operating model, so capital is the key reference point: equity equals 9.9% of assets versus 10.1% initially.

Retained earnings stand at $273.5 million; the five-period change was +34.2%. This reflects accumulated business performance.

Conclusion

Peoples Financial Services Corp.'s financial position is more positive than negative: the funding mix is workable, although the cushion is not unlimited.

Annual Balance Sheet Peoples Financial Services Corp.

2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008

Net Debt

- - - - - - 154 M 91.8 M 136 M 101 M 65.8 M 20.6 M 16.9 M 159 M 52.2 M 13.1 M - -

Long Term Debt

- - - - - - 32.7 M 37.9 M 49.7 M 58.1 M 60.4 M 33.1 M 36.7 M 45.4 M 18.9 M 27.3 M - -

Total Non Current Liabilities

- - - - - - 32.7 M 40.7 M 52.3 M 62.2 M 65.6 M 38.7 M 40 M - 18.9 M - - -

Total Liabilities

4.75 B 4.62 B 3.4 B 3.24 B 3.03 B 2.57 B 2.18 B 2.01 B 1.9 B 1.74 B 1.57 B 1.49 B 1.45 B 786 M 562 M 508 M - -

Retained Earnings

274 M 239 M 249 M 231 M 204 M 171 M 152 M 137 M 121 M 111 M 101 M 92.3 M 84 M 83.8 M 51.3 M 46 M - -

Total Assets

5.27 B 5.09 B 3.74 B 3.55 B 3.37 B 2.88 B 2.48 B 2.29 B 2.17 B 2 B 1.82 B 1.74 B 1.69 B 918 M 621 M 559 M - -

Cash and Cash Equivalents

269 M 136 M 187 M 37.9 M 280 M 228 M 31.2 M 32.6 M 37.5 M 39.9 M 32.9 M 31.4 M 51.3 M 47.8 M 10.6 M 14.2 M 18.9 M 18.5 M

Book Value

520 M 469 M 340 M 315 M 340 M 317 M 299 M 279 M 265 M 257 M 249 M 247 M 239 M 132 M 59.6 M 50.5 M - -

Total Shareholders Equity

520 M 469 M 340 M 315 M 340 M 317 M 299 M 279 M 265 M 257 M 249 M 247 M 239 M 132 M 127 M 120 M 45 M 39.7 M

All numbers in USD currency

Quarterly Balance Sheet Peoples Financial Services Corp.

2026-Q2 2026-Q1 2025-Q3 2025-Q2 2025-Q1 2024-Q4 2024-Q3 2024-Q2 2024-Q1 2023-Q4 2023-Q3 2023-Q2 2023-Q1 2022-Q4 2022-Q3 2022-Q2 2022-Q1 2021-Q4 2021-Q3 2021-Q2 2021-Q1 2020-Q4 2020-Q3 2020-Q2 2020-Q1 2019-Q4 2019-Q3 2019-Q2 2019-Q1 2018-Q4 2018-Q3 2018-Q2 2018-Q1 2017-Q4 2017-Q3 2017-Q2 2017-Q1 2016-Q4 2016-Q3 2016-Q2 2016-Q1 2015-Q4 2015-Q3 2015-Q2 2015-Q1 2014-Q4 2014-Q3 2014-Q2 2014-Q1 2013-Q4 2013-Q3 2013-Q2 2013-Q1 2012-Q4 2012-Q3 2012-Q2 2012-Q1 2011-Q4 2011-Q3 2011-Q2 2011-Q1

Long Term Debt

- - - - - - - - - - - - - - - - - - - - - - - - 32.2 M 32.7 M 52.5 M 53 M 37.4 M 37.9 M 37.9 M 37.9 M 37.9 M 49.7 M 49.7 M 49.7 M 49.7 M 58.1 M 58.1 M 58.1 M 58.1 M 60.4 M 60.4 M 60.4 M 60.4 M 33.1 M 33.1 M 33.1 M 33.1 M 36.7 M 36.7 M 36.7 M 36.7 M 45.4 M 13.1 M 18.5 M 18.7 M 18.9 M 21.6 M 21.9 M 18.9 M

Total Liabilities

4.9 B 4.9 B 4.65 B 4.61 B 4.52 B 4.62 B 4.89 B 3.28 B 3.33 B 3.4 B 3.5 B 3.35 B 3.35 B 3.24 B 3.21 B 3.11 B 3.03 B 3.03 B 2.91 B 2.67 B 2.68 B 2.57 B 2.57 B 2.57 B 2.57 B 2.18 B 2.18 B 2.18 B 2.18 B 2.01 B 2.01 B 2.01 B 2.01 B 1.9 B 1.9 B 1.9 B 1.9 B 1.74 B 1.74 B 1.74 B 1.74 B 1.57 B 1.57 B 1.57 B 1.57 B 1.49 B 1.49 B 1.49 B 1.49 B 1.45 B 1.45 B 1.45 B 1.45 B 786 M 605 M 575 M 571 M 562 M 548 M 530 M 562 M

Retained Earnings

291 M 282 M 268 M 259 M 248 M 239 M 239 M 250 M 249 M 249 M 248 M 244 M 238 M 231 M 224 M 217 M 211 M 204 M 190 M 184 M 178 M 171 M 171 M 171 M 171 M 152 M 152 M 152 M 152 M 137 M 137 M 137 M 137 M 121 M 121 M 121 M 121 M 111 M 111 M 111 M 111 M 101 M 101 M 101 M 101 M 92.3 M 92.3 M 92.3 M 92.3 M 84 M 84 M 84 M 84 M 83.8 M 57.8 M 54.7 M 53.1 M 51.3 M 50.2 M 48.9 M 51.3 M

Total Assets

5.44 B 5.42 B 5.16 B 5.11 B 5 B 5.09 B 5.36 B 3.62 B 3.67 B 3.74 B 3.83 B 3.68 B 3.68 B 3.55 B 3.52 B 3.42 B 3.35 B 3.37 B 3.23 B 3 B 3 B 2.88 B 2.88 B 2.88 B 2.88 B 2.48 B 2.48 B 2.48 B 2.48 B 2.29 B 2.29 B 2.29 B 2.29 B 2.17 B 2.17 B 2.17 B 2.17 B 2 B 2 B 2 B 2 B 1.82 B 1.82 B 1.82 B 1.82 B 1.74 B 1.74 B 1.74 B 1.74 B 1.69 B 1.69 B 1.69 B 1.69 B 918 M 672 M 639 M 632 M 621 M 607 M 587 M 621 M

Cash and Cash Equivalents

256 M 329 M 180 M 176 M 77.1 M 136 M 285 M 50 M 110 M 187 M 255 M 137 M 141 M 37.9 M 113 M 47.7 M 142 M 280 M 361 M 248 M 303 M 228 M 228 M 228 M 228 M 31.2 M 31.2 M 31.2 M 31.2 M 32.6 M 32.6 M 35.4 M 26.8 M 37.5 M 32.9 M 41.4 M 37.5 M 39.9 M 39.9 M 39.9 M 39.9 M 32.9 M 32.9 M 32.9 M 32.9 M 31.4 M 31.4 M 31.4 M 31.4 M 51.3 M 51.3 M 51.3 M 51.3 M 47.8 M 28.1 M 22.4 M 9.64 M 34.5 M 28 M 10.6 M 10.6 M

Book Value

536 M 526 M 509 M 494 M 482 M 469 M 475 M 341 M 340 M 340 M 324 M 332 M 329 M 315 M 302 M 312 M 320 M 340 M 328 M 325 M 317 M 317 M 317 M 317 M 317 M 299 M 299 M 299 M 299 M 279 M 279 M 279 M 279 M 265 M 265 M 265 M 265 M 257 M 257 M 257 M 257 M 249 M 249 M 249 M 249 M 247 M 247 M 247 M 247 M 239 M 239 M 239 M 239 M 132 M 66.2 M 63.9 M 61.2 M 59.6 M 59 M 56.3 M 59.6 M

Total Shareholders Equity

536 M 526 M 509 M 494 M 482 M 469 M 475 M 341 M 340 M 340 M 324 M 332 M 329 M 315 M 302 M 312 M 320 M 340 M 328 M 325 M 317 M 317 M 317 M 317 M 317 M 299 M 299 M 299 M 299 M 279 M 279 M 279 M 279 M 265 M 265 M 265 M 265 M 257 M 257 M 257 M 257 M 249 M 249 M 249 M 249 M 247 M 247 M 247 M 247 M 239 M 239 M 239 M 239 M 132 M 66.2 M 63.9 M 61.2 M 127 M 59 M 59.6 M 59.6 M

All numbers in USD currency

Balance Sheet is a fundamental financial report of Peoples Financial Services Corp., providing a complete picture of the company’s financial position at a specific point in time. Unlike the income statement, which records the results of operations over a certain period, the balance sheet shows what assets the company owns, what liabilities it has to creditors, and what equity is available to the owners.

For an investor, the balance sheet is important because it allows assessing the company’s financial stability, understanding how much debt it carries, and how dependent it is on borrowed financing. It helps calculate key liquidity and leverage ratios. When analyzing, attention should be paid to the debt-to-equity ratio (Debt/Equity), the amount of cash on the balance sheet, and the ratio of current liabilities to liquid assets.

Features of balance sheet analysis
  • Vertical and horizontal analysis
    Vertical analysis shows the structure of the balance sheet as a percentage of total assets or liabilities, while horizontal analysis shows the dynamics of changes over multiple periods.
  • Asset quality
    It is important to evaluate not only the amount of assets but also their liquidity and realizability.
  • Accounting for off-balance sheet liabilities
    Some liabilities may not be directly reflected in the balance sheet, which requires additional attention.

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