All three tenses have at least two readings, so the archetype blend applies as printed.
All nine metrics read as filed from the record.
What did they actually do?
Has it survived what it has been through?
3 warning events since 2017; the latest 2025-03-18.
From the record
Peoples Financial Services Corp.'s filings since 2017 show 3 warning events of 2 kinds: an auditor change (8-K item 4.01, the latest 2017-04-03); a late-report notice (Form NT 10-K or NT 10-Q, 2 times, the latest 2025-03-18) (its current reports).
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What has it actually done, year after year?
+15.9% a year over 10 filed years; profitable in 10 of 10.
From the record
Peoples Financial Services Corp.'s 10 filed years say what it did: revenue went from $69 million in fiscal 2016 to $260 million in fiscal 2025, up 15.9% a year; it rose in 8 of 9 years; the deepest fall was 0% from fiscal 2020 to fiscal 2021; net income was positive in 10 of 10 of those years (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How has it treated the people who own it?
Share count grew 11.8% a year. 44% of cash flow returned. Insiders: 7 sales, 0 purchases.
From the record
Over the 3 fiscal years to 2025-12-31, Peoples Financial Services Corp.'s diluted share count grew about 11.8% a year, and dividends and buybacks returned about 44% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 7 sales and 0 purchases of their own stock on the open market in the year to 2026-11-12 (their Form 4 filings).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they doing right now?
Is it financially healthy right now?
ROE 11%: 11¢ of profit per shareholder dollar. Leverage 90%: owes 90¢ per asset dollar.
From the record
Return on equity: in the fiscal year ended 2025-12-31, Peoples Financial Services Corp. earned about 11 cents of profit for every dollar of shareholders' money. Leverage: it owed about 90 cents per dollar of assets, and net share issuance: its share count grew 17.3% over the year (the filed statements).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How strong is its position in its industry?
top 43% of 79 in its family; net margin 22.8%.
From the record
Peoples Financial Services Corp.'s standing among 79 graded names in its industry family: revenue of $260 million in fiscal 2025 ranks in the bottom 28% by size; a net margin of 22.8% ranks in the top 50%; revenue growth of 32.6% a year over the last 3 filed years ranks in the top 8% (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are the people in charge doing?
bottom 29% of 74 in its family for leadership; chief executive since 2025.
From the record
Peoples Financial Services Corp.'s leadership, from its insiders' filings and its current reports: the chief executive on the record is Champi, Gerard A (CHIEF EXECUTIVE OFFICER, as filed), filing under that title since 2025-04-01, 1.6 years (bottom 13% of its family); most of the 27 officers and directors filing now have filed since the record of its people begins (2024-07-01), a floor of 2.4 years the record cannot see past, so that part is not read; 10 officer or director changes were reported on Form 8-K since 2023-11-13, against the 27 people in charge now (bottom 44%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they set up to do next?
How much room does it have to grow?
bottom 49% of 71 in its family for room to expand.
From the record
Peoples Financial Services Corp.'s room to grow, from the newest filed statements (fiscal 2025): cash of $269 million against no long-term debt tagged leaves 5.1% of its assets as net cash, top 30% of its family; cash from operations less capital spending is 16.7% of revenue (bottom 28%) (its annual report).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What could actually drive growth from here?
top 18% of 79 in its family for growth drivers.
From the record
Peoples Financial Services Corp.'s growth drivers, from the filed years to fiscal 2025: revenue grew 32.6% a year over the last three filed years against 15.9% over all 10, speeding up (top 3% of its family); the newest year grew 22.8% (top 9%); capital spending grew 11.8% a year (top 42%) (its annual reports). Peoples Financial Services Corp. tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
Did its newest year beat what its own record pointed to?
top 17% of 76 in its family for expectations against reality.
From the record
Peoples Financial Services Corp.'s newest year against its own record: revenue of $260 million in fiscal 2025 came in 10.9% below the $291 million its prior three years' pace pointed to (top 31% of its family); net income of $59 million against a prior three-year average of $25 million (top 5%); a net margin of 22.8% against 18.8% before (top 15%) (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made