Peoples Financial Services Corp. cash flow to debt ratio of 21.00% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.

Peoples Financial Services Corp.'s free cash flow has increased 38.26% from $31.35M last year to $43.34M, signaling increasing performance

Peoples Financial Services Corp.'s debt to equity ratio is 0.45, which means that the company's assets are healthy financed, signaling financial stability.

Peoples Financial Services Corp.'s debt has increased relative to shareholder equity from 0.33 last year to 0.45 today, signaling weakened financials

Peoples Financial Services Corp. has a net cash position, so leverage is healthy.

Peoples Financial Services Corp. earns at least as much interest as it pays. Interest obligations are fully covered.

Peoples Financial Services Corp.'s profit margin has increased (433.69%) in the last year from 3.70% to 19.74%, signaling increasing performance

Peoples Financial Services Corp.'s short-term assets of $286.62M exceed its short-term liabilities of $32.72M

Peoples Financial Services Corp.'s return on assets of 1.04% is lower than the 5.00% threshold, indicating inefficient asset utilization

Peoples Financial Services Corp.'s return on equity of 10.86%, is lower than 15.00%, indicating bad performance

Peoples Financial Services Corp.'s operating cash flow is lower than its net income, indicating that earnings may not be fully backed by cash generation

Peoples Financial Services Corp. had positive net income in 5 out of 5 years, indicating stable and consistent earnings

Peoples Financial Services Corp. has positive free cash flow, indicating the company generates cash after capital expenditures

Peoples Financial Services Corp. has a free cash flow yield of 6.23%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

Peoples Financial Services Corp.'s yearly earnings has increased 596.48% since last year from $8.50M to $59.19M, signaling increasing performance

Peoples Financial Services Corp.'s yearly revenue has increased 13.01% since last year from $229.80M to $259.70M, signaling increasing performance

ROIC 19.00% (Source: FMP key-metrics). At or above the 10% threshold. Score: 2 of 2. The company is generating returns above the upper end of the typical US weighted-average cost of capital range under this definition of invested capital.

Peoples Financial Services Corp.'s 3-year revenue CAGR of 31.46% is positive, indicating growing revenue over the past 3 years

Peoples Financial Services Corp. had revenue growth in 4 out of 5 years, indicating consistent revenue performance

Peoples Financial Services Corp. had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

Peoples Financial Services Corp. is overvalued relative to its fair value price of 41.23 based on Discounted Cash Flow model

Peoples Financial Services Corp. has an earnings yield of 8.17%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

Peoples Financial Services Corp. is overvalued relative to its fair value price of 30.57 based on EBITDA multiple model

Peoples Financial Services Corp. has an EV/EBITDA ratio of 8.38x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

Peoples Financial Services Corp. is undervalued relative to its fair value price of 147.50 based on Earnings Fair Value model

Peoples Financial Services Corp. has a PEG-ratio over 1 which is considered overvalued

Peoples Financial Services Corp. has a price-to-book ratio of 1.30x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Peoples Financial Services Corp. has a price-to-sales ratio of 2.42x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue