PFIS - Peoples Financial Services Corp Stock Price, Fair Value and News

38.50USD-0.49 (-1.26%)Market Closed

Market Summary

USD38.50-0.49

Market Closed

-1.26%

PFIS Stock Price

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PFIS RSI Chart

PFIS Valuation

Market Cap

271.8M

Price/Earnings (Trailing)

9.93

Price/Sales (Trailing)

1.81

EV/EBITDA

0.69

Price/Free Cashflow

9.94

PFIS Price/Sales (Trailing)

PFIS Profitability

EBT Margin

21.69%

Return on Equity

8.04%

Return on Assets

0.73%

Free Cashflow Yield

10.06%

PFIS Fundamentals

PFIS Revenue

Revenue (TTM)

149.9M

Rev. Growth (Yr)

26.65%

Rev. Growth (Qtr)

3.37%

PFIS Earnings

Earnings (TTM)

27.4M

Earnings Growth (Yr)

-60.28%

Earnings Growth (Qtr)

-46.19%

Breaking Down PFIS Revenue

Last 7 days

1.5%

Last 30 days

-1.5%

Last 90 days

-8.9%

Trailing 12 Months

1.4%

How does PFIS drawdown profile look like?

PFIS Financial Health

Debt/Equity

0.09

Debt/Cashflow

1.03

PFIS Investor Care

Dividend Yield

4.26%

Dividend/Share (TTM)

1.64

Buy Backs (1Y)

1.42%

Diluted EPS (TTM)

3.83

Historical Charts for Stock Metrics

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Net sales

Year	Q1	Q2	Q3	Q4
2023	121.0M	131.9M	141.4M	149.9M
2022	95.2M	98.3M	103.3M	111.3M
2021	93.8M	92.7M	93.5M	94.1M
2020	94.4M	94.9M	94.7M	94.1M
2019	87.5M	90.0M	92.2M	93.4M
2018	76.4M	78.9M	81.5M	84.7M
2017	70.1M	71.3M	72.6M	74.2M
2016	64.1M	65.5M	67.4M	69.0M
2015	63.2M	63.3M	62.7M	63.0M
2014	44.9M	51.7M	59.2M	64.0M
2013	36.8M	36.1M	35.5M	37.4M
2012	42.7M	45.4M	47.8M	37.6M
2011	26.0M	26.3M	26.9M	39.7M
2010	0	24.7M	25.1M	25.6M
2009	0	0	0	24.3M

Get all data in R, Python etc through our Historical Stock Data APIs

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Russell 2000 Index: $10,334
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Tracking the Latest Insider Buys and Sells of Peoples Financial Services Corp

Filter Transactions

Datesorted ascending	Name	Buy/Sell	$ Value	Avg. Price	# Shares	Title
Feb 21, 2024	tulaney thomas p	acquired	-	-	2,387	president & chief oper officer
Feb 21, 2024	koplin neal d	acquired	-	-	1,962	sr. evp, chief banking officer
Feb 21, 2024	best craig w	sold (taxes)	-44,974	40.3	-1,116	ceo
Feb 21, 2024	best craig w	acquired	-	-	4,727	ceo
Feb 21, 2024	kirtley timothy	acquired	-	-	1,796	evp, chief risk officer
Feb 21, 2024	koplin neal d	sold (taxes)	-19,223	40.3	-477	sr. evp, chief banking officer
Feb 21, 2024	drobins jeffrey a	acquired	-	-	1,567	evp, chief lending officer
Feb 21, 2024	hubble susan l	sold (taxes)	-13,299	40.3	-330	evp, chief information officer
Feb 21, 2024	kirtley timothy	sold (taxes)	-17,732	40.3	-440	evp, chief risk officer
Feb 21, 2024	drobins jeffrey a	sold (taxes)	-15,112	40.3	-375	evp, chief lending officer

Which funds bought or sold PFIS recently?

View All Details

Datesorted ascending	Fund Name	Type	% Chg	$ Change	$ Held	% Portfolio
May 01, 2024	CONCOURSE FINANCIAL GROUP SECURITIES, INC.	sold off	-	-	-	-%
May 01, 2024	Janney Montgomery Scott LLC	added	2.75	-29,000	290,000	-%
May 01, 2024	BNP PARIBAS FINANCIAL MARKETS	added	87.74	58,378	146,574	-%
Apr 30, 2024	Avior Wealth Management, LLC	reduced	-98.73	-3,804	43.00	-%
Apr 29, 2024	COMMONWEALTH EQUITY SERVICES, LLC	added	4.19	-31,000	368,000	-%
Apr 25, 2024	Allworth Financial LP	sold off	-100	-877	-	-%
Apr 25, 2024	Bank of New York Mellon Corp	reduced	-2.52	-269,462	1,696,230	-%
Apr 23, 2024	AMALGAMATED BANK	reduced	-60.45	-19,000	11,000	-%
Apr 23, 2024	Global Retirement Partners, LLC	unchanged	-	-5,110	82,819	-%
Apr 22, 2024	MetLife Investment Management, LLC	unchanged	-	34,202	193,680	-%

Are Funds Buying or Selling PFIS?

Are funds buying PFIS calls or puts?

Calls

Puts

No. of funds holding Calls - Puts

Net Call Options

No. of funds that own PFIS

No. of Funds

Unveiling Peoples Financial Services Corp's Major ShareHolders

Date Filed	Name of Filer	Percent of Class	No. of Shares	Form Type
Jan 26, 2024	blackrock inc.	7.3%	512,316	SC 13G/A
Feb 01, 2023	blackrock inc.	6.6%	469,728	SC 13G/A
Feb 01, 2022	blackrock inc.	6.6%	469,879	SC 13G/A
Jan 29, 2021	blackrock inc.	5.6%	403,979	SC 13G/A
Feb 07, 2020	blackrock inc.	5.2%	385,931	SC 13G

Recent SEC filings of Peoples Financial Services Corp

View All Filings

Date Filed	Form Type	Document
Apr 25, 2024	8-K	Current Report
Apr 17, 2024	13F-HR	Fund Holdings Report
Apr 05, 2024	ARS	ARS
Apr 05, 2024	DEF 14A	DEF 14A
Mar 22, 2024	8-K	Current Report
Mar 15, 2024	10-K	Annual Report
Mar 13, 2024	425	Prospectus Filed
Mar 13, 2024	8-K	Current Report
Feb 23, 2024	4	Insider Trading
Feb 23, 2024	4	Insider Trading

Peers (Alternatives to Peoples Financial Services Corp)

Name	Mkt Capsorted ascending	Revenue	Price %, 1M	Returns, 1Y	P/E	P/S	Rev 1-Yr	Inc 1-Yr
LARGE-CAP
JPM	550.4B	174.7B	-3.62%	40.95%	10.93	3.15	53.11%	19.83%
BAC	288.3B	127.4B	-1.15%	32.34%	11.52	2.26	44.27%	-12.56%
WFC	208.6B	85.8B	4.32%	56.01%	11.11	2.43	35.02%	26.14%
C	117.6B	133.3B	-2.05%	34.77%	12.75	0.88	79.09%	-
CFG	16.1B	10.2B	-0.14%	33.45%	9.98	1.57	44.53%	-22.43%
KEY	14.0B	8.1B	-2.62%	55.93%	16.03	1.72	32.15%	-50.93%
MID-CAP
CMA	6.9B	4.2B	-3.21%	45.81%	9.9	1.62	34.68%	-45.96%
ZION	6.3B	3.9B	0.71%	88.53%	9.31	1.6	45.91%	-25.03%
ABCB	3.4B	1.3B	3.97%	58.26%	12.49	2.62	43.24%	-22.35%
ASB	3.3B	1.8B	5.09%	36.86%	20.51	1.79	32.64%	-59.32%
SMALL-CAP
AMNB	497.6M	120.2M	6.68%	49.76%	19.02	4.14	45.65%	-13.98%
ALRS	391.4M	152.4M	-5.49%	44.45%	39.37	2.57	16.94%	-73.84%
AROW	387.7M	162.6M	-2.25%	14.75%	12.89	2.38	25.39%	-38.37%
ACNB	284.2M	96.6M	-5.09%	17.23%	8.97	2.94	11.02%	-11.37%
ASRV	42.0M	60.9M	2.51%	-13.74%	-12.56	0.69	24.06%	-144.92%

Peoples Financial Services Corp News

Latest updates

Peoples Financial Services Corp Earnings Report: Key Takeaways & Analysis

Income Statement (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Income Statement (Quarterly)																					(In Thousands)
Description	(%) Q/Q	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4
Revenue	3.4%	40.00	39.00	37.00	34.00	32.00	29.00	26.00	25.00	24.00	24.00	23.00	23.00	23.00	23.00	24.00	24.00	24.00	24.00	23.00	23.00	22.00
EBITDA Margin	-13.4%	0.81*	0.94*	1.07*	1.17*	1.30*	1.46*	1.49*	1.49*	1.50*	1.37*	1.35*	1.32*	-	-	-	-	-	-	-	-	-
Interest Expenses	-4.6%	20.00	21.00	22.00	23.00	24.00	25.00	24.00	23.00	22.00	22.00	20.00	21.00	20.00	20.00	21.00	20.00	19.00	19.00	19.00	18.00	19.00
Income Taxes	-56.0%	1.00	1.00	2.00	1.00	2.00	2.00	2.00	2.00	4.00	2.00	2.00	3.00	1.00	2.00	1.00	1.00	0.00	1.00	1.00	1.00	1.00
Earnings Before Taxes	-47.8%	4.00	8.00	11.00	9.00	11.00	12.00	11.00	11.00	20.00	11.00	10.00	12.00	9.00	10.00	9.00	6.00	5.00	8.00	8.00	7.00	7.00
EBT Margin	-21.6%	0.22*	0.28*	0.33*	0.35*	0.41*	0.53*	0.55*	0.56*	0.57*	0.46*	0.45*	0.43*	-	-	-	-	-	-	-	-	-
Net Income	-46.2%	4.00	7.00	9.00	8.00	9.00	10.00	9.00	10.00	16.00	9.00	9.00	9.00	8.00	8.00	8.00	5.00	5.00	7.00	7.00	6.00	6.00
Net Income Margin	-21.4%	0.18*	0.23*	0.27*	0.30*	0.34*	0.44*	0.45*	0.46*	0.46*	0.38*	0.37*	0.36*	-	-	-	-	-	-	-	-	-
Free Cashflow	57.8%	9.00	6.00	11.00	2.00	10.00	9.00	8.00	8.00	14.00	10.00	1.00	11.00	-	-	-	-	-	-	-	-	-

Balance Sheet

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Balance Sheet																					(In Millions)
Description	(%) Q/Q	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4
Assets	-2.2%	3,742	3,826	3,682	3,678	3,554	3,517	3,422	3,353	3,369	3,234	2,998	2,995	2,884	2,806	2,700	2,544	2,475	2,373	2,324	2,318	2,289
Cash Equivalents	-26.4%	187	255	137	141	38.00	113	48.00	142	4.00	361	248	303	1.00	166	52.00	35.00	5.00	41.00	30.00	26.00	4.00
Net PPE	-1.1%	61.00	62.00	58.00	57.00	56.00	54.00	53.00	52.00	52.00	51.00	46.00	47.00	47.00	48.00	48.00	49.00	48.00	47.00	46.00	45.00	39.00
Goodwill	0%	63.00	63.00	63.00	63.00	63.00	63.00	63.00	63.00	63.00	63.00	63.00	63.00	63.00	63.00	63.00	63.00	63.00	63.00	63.00	63.00	63.00
Liabilities	-2.8%	3,402	3,501	3,350	3,350	3,238	3,215	3,110	3,032	3,029	2,906	2,673	2,678	2,567	2,492	2,388	2,238	2,176	2,077	2,033	2,033	2,010
Short Term Borrowings	-34.9%	18.00	27.00	20.00	17.00	115	15.00	129	-	-	-	-	52.00	50.00	50.00	50.00	164	152	-	83.00	109	87.00
Long Term Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	32.00	33.00	53.00	53.00	37.00	38.00
Shareholder's Equity	4.9%	340	324	332	329	315	302	312	320	340	328	325	317	317	314	312	306	299	296	292	285	279
Retained Earnings	0.3%	249	248	244	238	231	224	217	211	204	190	184	178	171	165	160	155	152	150	145	140	137
Additional Paid-In Capital	0.2%	122	122	125	126	127	127	127	127	128	128	129	129	129	130	133	133	135	135	135	135	135
Shares Outstanding	0%	7.00	7.00	7.00	7.00	7.00	7.00	7.00	7.00	7.00	7.00	7.00	7.00	-	-	-	-	-	-	-	-	-
Float	-	-	-	312	-	-	-	400	-	-	-	307	-	-	-	280	-	-	-	333	-	-

Cashflow (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Cashflow (Quarterly)																					(In Thousands)
Description	(%) Q/Q	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4
Cashflow From Operations	32.6%	8,945	6,745	13,013	4,549	12,132	11,487	9,602	9,136	15,127	12,643	1,347	11,654	33,589	-16,061	8,700	10,952	9,796	11,194	8,299	7,790	8,266
Share Based Compensation	0.4%	260	259	160	209	223	223	116	-28.00	67.00	213	177	89.00	187	192	186	5.00	157	157	157	83.00	84.00
Cashflow From Investing	188.7%	22,298	-25,145	-8,671	-14,236	-106,324	-40,806	-175,299	-145,390	-214,651	-124,849	-52,479	-48,124	-42,751	30,199	-136,753	-51,935	-129,906	-28,219	490	-27,086	-37,457
Cashflow From Financing	-172.2%	-98,413	136,247	-8,237	112,402	19,050	94,596	71,927	-2,176	118,870	224,742	-4,135	111,596	71,142	100,140	144,660	45,157	99,980	38,346	-4,879	12,732	21,212
Dividend Payments	-0.7%	2,887	2,906	2,930	2,936	2,862	2,869	2,798	2,796	2,725	2,737	2,665	2,665	2,599	2,614	2,643	2,662	2,585	2,514	2,516	2,516	2,441
Buy Backs	-98.7%	50.00	3,939	1,071	826	227	380	328	318	359	1,157	328	517	988	3,337	364	2,204	-	455	166	-	-

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PFIS Income Statement

2023-12-31

CONSOLIDATED STATEMENTS OF INCOME AND COMPREHENSIVE INCOME (LOSS) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Interest and fees on loans:
Taxable	$ 129,013	$ 95,505	$ 82,493
Tax-exempt	5,628	5,084	3,957
Interest and dividends on investment securities:
Taxable	7,912	8,234	5,464
Tax-exempt	1,582	2,066	1,731
Dividends	4	2	74
Interest on interest-bearing deposits in other banks	335	101	8
Interest on federal funds sold	5,377	342	330
Total interest income	149,851	111,334	94,057
Interest expense:
Interest on deposits	58,561	12,632	7,310
Interest on short-term borrowings	1,920	1,103	78
Interest on long-term debt	842	76	260
Interest on subordinated debt	1,774	1,774	1,774
Total interest expense	63,097	15,585	9,422
Net interest income	86,754	95,749	84,635
Provision for (credit to) credit losses	566	(449)	1,750
Net interest income after provision for (credit to) credit losses	86,188	96,198	82,885
Noninterest income:
Mortgage banking income	390	511	975
Increase in cash surrender value of life insurance	1,067	1,020	889
Interest rate swap revenue	390	622	759
Net (losses) gains on equity investment securities	(11)	(31)	2
Net gains (losses) on sale of investment securities available for sale	81	(1,976)
Gain on sale of Visa Class B shares			12,153
Total noninterest income	14,133	11,845	25,636
Noninterest expense:
Salaries and employee benefits expense	35,285	33,553	29,736
Net occupancy and equipment expense	17,146	16,578	12,848
Acquisition related expenses	1,816
Amortization of intangible assets	105	363	491
Net gains on sale of other real estate owned	(18)	(478)	(210)
Professional fees and outside services	2,810	2,715	2,137
FDIC insurance and assessments	2,131	1,300	1,117
Donations	1,619	1,381	1,435
Other expenses	6,926	7,265	7,450
Total noninterest expense	67,820	62,677	55,004
Income before income taxes	32,501	45,366	53,517
Provision for income tax expense	5,121	7,276	9,998
Net income	27,380	38,090	43,519
Other comprehensive income (loss):
Unrealized gain (loss) on investment securities available for sale	14,804	(66,435)	(11,487)
Reclassification adjustment for net (gain) loss on sales included in net income	(81)	1,976
Change in benefit plan liabilities	1,129	370	2,109
Change in derivative fair value	(824)	(728)	(322)
Other comprehensive income (loss)	15,028	(64,817)	(9,700)
Income tax expense (benefit) related to other comprehensive income (loss)	3,043	(13,995)	(2,037)
Other comprehensive income (loss), net of income tax expense (benefit)	11,985	(50,822)	(7,663)
Comprehensive income (loss)	$ 39,365	$ (12,732)	$ 35,856
Per share data:
Basic	$ 3.85	$ 5.31	$ 6.05
Diluted	$ 3.83	$ 5.28	$ 6.02
Weighted average common shares outstanding:
Basic	7,107,908	7,168,092	7,196,160
Diluted	7,151,471	7,211,643	7,235,303
Dividends declared	$ 1.64	$ 1.58	$ 1.50
Service charges, fees, commissions and other
Noninterest income:
Revenue from contracts with customers	$ 7,728	$ 7,076	$ 6,169
Merchant services income
Noninterest income:
Revenue from contracts with customers	693	964	879
Commission and fees on fiduciary activities
Noninterest income:
Revenue from contracts with customers	2,219	2,229	2,273
Wealth management income
Noninterest income:
Revenue from contracts with customers	$ 1,576	$ 1,430	$ 1,537

PFIS Balance Sheet

2023-12-31

CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Cash and cash equivalents
Cash and due from banks	$ 33,524	$ 37,675
Interest-bearing deposits in other banks	9,141	193
Federal funds sold	144,700
Total cash and cash equivalents	187,365	37,868
Investment securities:
Available for sale: Amortized cost of $450,454 and $543,953, respectively, net of allowance for credit losses of $0 at December 31, 2023 and December 31, 2022	398,927	477,703
Equity investments carried at fair value	98	110
Held to maturity: Fair value of $71,698 and $76,563, respectively, net of allowance for credit losses of $0 at December 31, 2023 and 2022	84,851	91,179
Total investment securities	483,876	568,992
Loans	2,849,897
Less: allowance for credit losses	21,895
Net loans	2,828,002
Loans		2,730,116
Less: allowance for credit losses		27,472
Net loans		2,702,644
Loans held for sale	250
Goodwill	63,370	63,370
Premises and equipment, net	61,276	55,667
Bank owned life insurance	49,397	48,344
Deferred tax assets	13,770	18,739
Accrued interest receivable	12,734	11,715
Intangible assets, net		105
Other assets	42,249	46,071
Total assets	3,742,289	3,553,515
Deposits:
Noninterest-bearing	644,683	772,765
Interest-bearing	2,634,354	2,273,833
Total deposits	3,279,037	3,046,598
Short-term borrowings	17,590	114,930
Long-term debt	25,000	555
Subordinated debt	33,000	33,000
Accrued interest payable	5,765	903
Other liabilities	41,475	42,179
Total liabilities	3,401,867	3,238,165
Stockholders' equity:
Common stock, par value $2.00, authorized 25,000,000 shares, issued and outstanding 7,040,852 shares at December 31, 2023 and 7,158,017 shares at December 31, 2022	14,093	14,321
Capital surplus	122,130	126,850
Retained earnings	248,550	230,515
Accumulated other comprehensive loss	(44,351)	(56,336)
Total stockholders' equity	340,422	315,350
Total liabilities and stockholders' equity	$ 3,742,289	$ 3,553,515

About Peoples Financial Services Corp

Peoples Financial Services Corp. operates as the bank holding company for Peoples Security Bank and Trust Company that provides various commercial and retail banking services. The company accepts money market, NOW, savings, individual retirement, demand deposit, and certificates of deposit accounts. It also provides residential real estate, automobile, manufactured housing, personal, and home equity loans; and commercial real estate, working capital, construction, small business administration, and agricultural loans, as well as loans for equipment and other commercial needs, and mineral rights. In addition, the company offers fiduciary and investment services; investment management, IRA trustee, estate administration, living and life insurance trust, trustee under will, guardianship, custodial/IRA custodial, and corporate trust services, as well as pension and profit-sharing plans. Further, it provides wealth management products and services comprising investment portfolio management, estate and business succession planning, annuities, insurance, retirement plan, and tax planning, as well as education funding strategies; and securities and brokerage, and investor services. Additionally, the company offers small business checking and merchant money market accounts, online and telephone banking, business credit cards, merchant line of credit, and financial checkup services; and remote deposit capture, automatic clearing house transaction, cash management, automated teller machine, point of sale transaction, safe deposit box, night depository, direct deposit, and official check services. It serves business, non-profit, governmental, municipal agency, and professional customers, as well as retail customers. Peoples Financial Services Corp. was founded in 1905 and is headquartered in Scranton, Pennsylvania.

CEO	Mr. Craig W. Best
WEBSITE	psbt.com
INDUSTRY	Banks Diversified
EMPLOYEES	393

Peoples Financial Services Corp Frequently Asked Questions

What is the ticker symbol for Peoples Financial Services Corp? What does PFIS stand for in stocks?

PFIS is the stock ticker symbol of Peoples Financial Services Corp. Every public company that trades on a stock exchange gets a ticker symbol.

What is the market capital of Peoples Financial Services Corp (PFIS)?

As of Thu May 02 2024, market cap of Peoples Financial Services Corp is 271.76 Million. The market capitalization is calculated by multiplying the stock price with the number of shares outstanding.

What is the fair value of PFIS stock?

You can check PFIS's fair value in chart for subscribers.

What is the fair value of PFIS stock?

You can check PFIS's fair value in chart for subscribers. The fair value of Peoples Financial Services Corp is provided for various growth and macro-economic scenarios from very pessimiatic to very optimistic assumptions. These fair values are estimates from Grufity's Fair Value model based on company's past performance. However, past performance of Peoples Financial Services Corp is no guarantee of future performance. These fairvalue estimates should only be used as one of the inputs in your stock analysis. We provide model's historical fair value estimates for PFIS so that you know how good or bad the model has been in the past so you can discard it if needed. There are others that provide fair values of stocks such as wallmine, finbox, gurufocus and finviz. Most provide point in time estimates. We provide a history of our models fair value estimates so that you can get a sense of it's usefulness. Otherwise this data point is of little use.

Is Peoples Financial Services Corp a good stock to buy?

The fair value guage provides a quick view whether PFIS is over valued or under valued. Whether Peoples Financial Services Corp is cheap or expensive depends on the assumptions which impact Peoples Financial Services Corp's fair value. We provide several scenarios of inflation and growth to encompass these range of assumptions for PFIS.

What is Peoples Financial Services Corp's Price to Earnings (PE) and Price to sales (PS) ratio?

As of Thu May 02 2024, PFIS's PE ratio (Price to Earnings) is 9.93 and Price to Sales (PS) ratio is 1.81. The price to earnings and price to sales ratio are two most important valuation metrics for any company. PE ratio tell us the number of years of earnings investors are ready to pay for owning the company. Historically, S&P500 price to earnings ratio has fallen below 12 during periods of gloom and gone past 30 during periods of euphoria. PFIS PE ratio will change depending on the future growth rate expectations of investors.

What is 5 year return on Peoples Financial Services Corp's stock?

In the past 10 years, Peoples Financial Services Corp has provided 0.006 (multiply by 100 for percentage) rate of return.