PFISPEOPLES FINANCIAL SERVICES CORP.
National Commercial Banks
- Revenue
- —
- Operating margin
- —
- EBITDA
- —
- Market cap
- $704M
- Employees
- 36,388
- Net debt / EBITDA
- —
- −$3M net debt
- AI in 10-K
- 1.4
- mentions per 10K words
Takeover score 1 of 13
Fixable underperformance 0 of 7
- TSR below peersNo2 of 5 years3+ of last 5 years
- High CEO pay despite TSRNo$992K medianMedian CEO pay ≥ $15M while TSR trails
- Earnings not backed by cashNo92% of net incomeCash flow under 80% of net income
- Dilutive SBCNo—Over 10% of revenue
- Payouts exceed cash flowNo46% of cash flowBuybacks + dividends over cash flow
- Goodwill-heavyNo1% of assetsOver 40% of assets
- Shareholder dissentNo97% lowest supportAny vote under 80% support
Buyer economics 1 of 4
- Low revenue per employeeNo—Bottom quartile of its SIC industry
- Quiet on AINo1.4 per 10K words · 44th pctBottom quartile of AI mentions in 10-Ks
- Net cashNo—More cash than debt, positive EBITDA
- Buyout-sizedYes$704M market capMarket cap $500M–$5B
Catalysts 0 of 2
- Active 13DNo0 filingsActive-intent 13D in 18 months
- Net insider sellingNo$0 netNet sales over $10M in 12 months
Financials
| Metric | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | YoY |
|---|---|---|---|---|---|---|
| Net income | $44M | $38M | $27M | $8M | $59M | 596% |
| Operating cash flow | $41M | $42M | $33M | $35M | $54M | 56% |
| Capex | $5M | $8M | $6M | $3M | $11M | 325% |
| Stock-based comp | $546K | $534K | $888K | $786K | $348K | 56% |
| Dividends | $11M | $11M | $12M | $18M | $25M | 36% |
Deal filings
None.
13D filers
None on file.
Insider trading
No open-market trades in the last 12 months.
Pay vs performance
| Year | CEO total comp | Comp actually paid | TSR (indexed) | Peer TSR |
|---|---|---|---|---|
| FY2025 | $1M | $1M | 161 | 211 |
| FY2024 | $924K | $710K | 161 | 165 |
| FY2023 | $927K | $894K | 147 | 123 |
| FY2022 | $992K | $1M | 150 | 113 |
| FY2021 | $1M | $1M | 148 | 136 |