PFIS
Peoples Fin
NASDAQ: PFIS · FINANCIAL SERVICES · BANKS - REGIONAL
$56.96
+0.65% today
Updated 2026-04-30
Market cap
$589.63M
P/E ratio
10.02
P/S ratio
3.14x
EPS (TTM)
$5.88
Dividend yield
4.30%
52W range
$41 – $59
Volume
0.0M
Peoples Fin (PFIS) Financial statements
SEC filings — annual and quarterly data.
Income statement — annual
| Item | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $25.49M | $27.92M | $28.93M | $27.56M | $30.03M | $49.16M | $46.29M | $46.64M | $76.97M | $76.12M | $81.88M | $89.15M | $98.32M | $108.50M | $110.77M | $107.75M | $123.66M | $164.00M | $229.80M | $280.95M |
| Revenue growth (YoY) | — | +9.5% | +3.6% | -4.7% | +9.0% | +63.7% | -5.8% | +0.8% | +65.0% | -1.1% | +7.6% | +8.9% | +10.3% | +10.4% | +2.1% | -2.7% | +14.8% | +32.6% | +40.1% | +22.3% |
| Cost of revenue | $11.10M | $11.38M | $9.87M | $8.99M | $8.70M | $9.72M | $6.29M | $6.53M | $10.17M | $9.74M | $12.25M | $13.50M | $17.52M | $23.97M | $21.72M | $11.17M | $15.14M | $63.66M | $114.60M | $93.83M |
| Gross profit | $14.39M | $16.53M | $19.06M | $18.57M | $21.33M | $39.44M | $40.00M | $40.11M | $66.81M | $66.38M | $69.63M | $75.65M | $80.80M | $84.53M | $89.04M | $96.58M | $108.52M | $100.34M | $115.19M | $187.12M |
| Gross margin | 56.5% | 59.2% | 65.9% | 67.4% | 71.0% | 80.2% | 86.4% | 86.0% | 86.8% | 87.2% | 85.0% | 84.9% | 82.2% | 77.9% | 80.4% | 89.6% | 87.8% | 61.2% | 50.1% | 66.6% |
| R&D | — | — | — | — | — | $0.00 | — | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | — | — | — | — | — | — | — |
| SG&A | $4.50M | $4.77M | $6.39M | $7.84M | $5.50M | $13.95M | $14.12M | $15.98M | $20.65M | $21.53M | $23.54M | $27.50M | $29.50M | $32.02M | $31.01M | $30.85M | $34.85M | $37.42M | $48.90M | $83.79M |
| Operating income | $4.90M | $5.97M | $3.13M | $5.97M | $7.92M | $13.56M | $13.65M | $6.21M | $23.11M | $22.24M | $24.59M | $26.64M | $28.31M | $28.89M | $34.17M | $53.52M | $45.37M | $32.50M | $8.47M | $72.23M |
| Operating margin | 19.2% | 21.4% | 10.8% | 21.7% | 26.4% | 27.6% | 29.5% | 13.3% | 30.0% | 29.2% | 30.0% | 29.9% | 28.8% | 26.6% | 30.9% | 49.7% | 36.7% | 19.8% | 3.7% | 25.7% |
| EBITDA | $6.22M | $7.49M | $4.00M | $6.93M | $8.90M | $14.31M | $14.77M | $7.46M | $26.11M | $25.03M | $27.44M | $29.62M | $31.52M | $33.10M | $38.42M | $57.16M | $49.40M | $36.00M | $15.70M | $72.23M |
| EBITDA margin | 24.4% | 26.8% | 13.8% | 25.1% | 29.6% | 29.1% | 31.9% | 16.0% | 33.9% | 32.9% | 33.5% | 33.2% | 32.1% | 30.5% | 34.7% | 53.0% | 39.9% | 21.9% | 6.8% | 25.7% |
| EBIT | $4.90M | $5.97M | $3.13M | $5.97M | $7.92M | $13.56M | $13.65M | $6.21M | $23.11M | $22.24M | $24.59M | $26.64M | $28.31M | $28.89M | $34.17M | $53.52M | $45.37M | $32.50M | $8.47M | — |
| Interest expense | $10.80M | $11.11M | $9.15M | $7.26M | $6.50M | $7.34M | $5.36M | $4.17M | $6.64M | $6.04M | $7.25M | $8.70M | $13.32M | $17.87M | $14.32M | $9.42M | $15.59M | $63.10M | $95.47M | $93.73M |
| Income tax | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Effective tax rate | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Net income | $4.13M | $4.87M | $3.04M | $5.05M | $6.49M | $10.53M | $10.59M | $5.72M | $17.65M | $17.72M | $19.58M | $18.46M | $24.92M | $25.74M | $29.35M | $43.52M | $38.09M | $27.38M | $8.50M | $59.19M |
| Net income growth (YoY) | — | +18.0% | -37.6% | +66.1% | +28.4% | +62.4% | +0.6% | -46.0% | +208.5% | +0.4% | +10.5% | -5.7% | +35.0% | +3.3% | +14.1% | +48.3% | -12.5% | -28.1% | -69.0% | +596.5% |
| Profit margin | 16.2% | 17.4% | 10.5% | 18.3% | 21.6% | 21.4% | 22.9% | 12.3% | 22.9% | 23.3% | 23.9% | 20.7% | 25.3% | 23.7% | 26.5% | 40.4% | 30.8% | 16.7% | 3.7% | 21.1% |