Demonstrações financeiras detalhadas de Peoples Financial Services Corp. (PFIS): demonstração de resultados, balanço patrimonial e fluxo de caixa. Acompanhe a evolução de margens, dívida, liquidez e rentabilidade ano a ano com até 20 anos de histórico.
Resumo da Análise
Peoples Financial Services Corp. registou receitas de $281.0M no último exercício, com um CAGR de 5 anos de 20.5%. O lucro líquido atingiu $59.2M, com CAGR de 5 anos de 15.1%.
Margens dos últimos 12 meses: margem bruta 66.5%, margem operacional 24.5%, margem líquida 19.7%. O fluxo de caixa livre cresceu a CAGR de 4.4% em 5 anos.
Ao preço atual de $70.91, PFIS negocia a um P/L de 12.48 e um ROE de 10.86%. A capitalização de mercado é de $710M.
Demonstração de Resultados (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Receita | $81.9M | $89.2M | $98.3M | $108.5M | $110.8M | $107.8M | $123.7M | $164.0M | $229.8M | $281.0M |
| Custo da Receita | $12.3M | $13.5M | $17.5M | $24.0M | $21.7M | $11.2M | $15.1M | $63.7M | $114.6M | $93.8M |
| Lucro Bruto | $69.6M | $75.7M | $80.8M | $84.5M | $89.0M | $96.6M | $108.5M | $100.3M | $115.2M | $187.1M |
| P&D | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Despesas Gerais e Administrativas | $23.5M | $27.5M | $29.5M | $32.0M | $31.0M | $30.9M | $34.9M | $37.4M | $48.9M | $83.8M |
| Despesas Operacionais | $45.0M | $49.0M | $52.5M | $55.6M | $54.9M | $43.1M | $63.2M | $67.8M | $106.7M | $114.9M |
| Lucro Operacional | $24.6M | $26.6M | $28.3M | $28.9M | $34.2M | $53.5M | $45.4M | $32.5M | $8.5M | $72.2M |
| EBITDA | $27.4M | $29.6M | $31.5M | $33.1M | $38.4M | $57.2M | $49.4M | $36.0M | $15.7M | $82.9M |
| Despesas com Juros | $7.3M | $8.7M | $13.3M | $17.9M | $14.3M | $9.4M | $15.6M | $63.1M | $95.5M | $93.7M |
| Lucro Antes de Impostos | $24.6M | $26.6M | $28.3M | $28.9M | $34.2M | $53.5M | $45.4M | $32.5M | $8.5M | $72.2M |
| Imposto | $5.0M | $8.2M | $3.4M | $3.2M | $4.8M | $10.0M | $7.3M | $5.1M | -$30000 | $13.0M |
| Lucro Líquido | $19.6M | $18.5M | $24.9M | $25.7M | $29.4M | $43.5M | $38.1M | $27.4M | $8.5M | $59.2M |
| LPA | $2.65 | $2.50 | $3.37 | $3.72 | $4.02 | $6.05 | $5.31 | $3.85 | $1.00 | $5.92 |
| LPA Diluído | $2.65 | $2.50 | $3.37 | $3.72 | $4.00 | $6.01 | $5.28 | $3.83 | $0.99 | $5.88 |
| Ações em Circulação (Diluídas) | $7.4M | $7.4M | $7.4M | $7.4M | $7.3M | $7.2M | $7.2M | $7.2M | $8.6M | $10.1M |
Demonstração de Resultados (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Receita | $71.3M | $70.5M | $71.6M | $74.3M |
| Lucro Bruto | $48.1M | $45.8M | $48.4M | $49.0M |
| Lucro Operacional | $18.8M | $14.7M | $18.5M | $18.4M |
| EBITDA | $21.4M | $17.3M | $21.2M | $18.4M |
| Lucro Líquido | $15.2M | $12.0M | $14.7M | $14.8M |
| LPA | $1.53 | $1.20 | $1.47 | $1.48 |
| LPA Diluído | $1.51 | $1.19 | $1.47 | $1.48 |
Balanço (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Caixa e Equivalentes | $39.9M | $37.5M | $32.6M | $31.2M | $45.2M | $37.5M | $37.9M | $42.7M | $55.6M | $58.4M |
| Investimentos de Curto Prazo | $259.4M | $272.5M | $269.7M | $330.5M | $295.9M | $517.3M | $477.7M | $398.9M | $267.6M | $201.2M |
| Contas a Receber | $6.2M | $6.9M | $7.1M | $7.0M | $8.3M | $8.5M | $11.7M | $12.7M | $15.6M | $17.6M |
| Estoque | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Ativos Circulantes | $305.6M | $317.0M | $309.4M | $368.6M | $349.4M | $563.4M | $532.7M | $463.9M | $352.9M | $286.6M |
| Imobilizado | $33.3M | $37.6M | $38.9M | $47.9M | $47.0M | $51.5M | $55.7M | $61.3M | $73.3M | $78.5M |
| Ágio | $63.4M | $63.4M | $63.4M | $63.4M | $63.4M | $63.4M | $63.4M | $63.4M | $76.0M | $76.0M |
| Ativos Intangíveis | $4.9M | $3.9M | $3.0M | $2.3M | $1.8M | $1.4M | $1.0M | $870000 | $35.5M | $27.7M |
| Ativos Totais | $2.00B | $2.17B | $2.29B | $2.48B | $2.88B | $3.37B | $3.55B | $3.74B | $5.09B | $5.27B |
| Contas a Pagar | $462000 | $497000 | $1.2M | $1.3M | $736000 | $408000 | $903000 | $5.8M | $5.5M | 0 |
| Dívida de Curto Prazo | $82.7M | $123.7M | $86.5M | $152.2M | $50.0M | 0 | $114.9M | $17.6M | $15.9M | $32.7M |
| Passivos Circulantes | $1.67B | $1.84B | $1.96B | $2.12B | $2.49B | $2.96B | $3.16B | $3.30B | $4.43B | $32.7M |
| Dívida de Longo Prazo | $58.1M | $49.7M | $37.9M | $32.7M | $47.8M | $35.7M | $33.6M | $58.0M | $139.7M | $225.7M |
| Passivos Totais | $1.74B | $1.91B | $2.01B | $2.18B | $2.57B | $3.03B | $3.24B | $3.40B | $4.62B | $4.75B |
| Reservas | $111.1M | $121.4M | $136.6M | $152.2M | $171.0M | $203.8M | $230.5M | $248.6M | $239.0M | $273.5M |
| Patrimônio Líquido | $256.6M | $265.0M | $279.1M | $299.0M | $316.9M | $340.1M | $315.4M | $340.4M | $468.9M | $519.8M |
| Dívida Total | $140.8M | $173.4M | $124.4M | $184.9M | $97.8M | $35.7M | $148.5M | $75.6M | $155.6M | $258.4M |
| Dívida Líquida | -$158.5M | -$136.6M | -$177.9M | -$176.7M | -$243.3M | -$519.1M | -$367.1M | -$366.0M | -$167.6M | -$1.3M |
| Capital de Giro | -$1.37B | -$1.53B | -$1.65B | -$1.76B | -$2.14B | -$2.40B | -$2.63B | -$2.84B | -$4.08B | $253.9M |
Balanço (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Caixa e Equivalentes | $71.6M | $58.4M | $59.5M | $74.9M |
| Ativos Totais | $5.16B | $5.27B | $5.42B | $5.44B |
| Passivos Totais | $4.65B | $4.75B | $4.90B | $4.90B |
| Patrimônio Líquido | $509.3M | $519.8M | $525.5M | $536.2M |
| Dívida Total | $304.6M | $167.1M | $314.1M | $239.8M |
Fluxo de Caixa (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Lucro Líquido | $19.6M | $18.5M | $24.9M | $25.7M | $29.4M | $43.5M | $38.1M | $27.4M | $8.5M | $59.2M |
| Depreciação e Amortização | $2.8M | $3.0M | $3.2M | $4.2M | $4.2M | $3.6M | $4.0M | $3.5M | $7.2M | $10.6M |
| Compensação em Ações | $71000 | $177000 | $272000 | $554000 | $570000 | $546000 | $534000 | $888000 | $786000 | $348000 |
| Variação Capital de Giro | -$1.6M | -$467000 | -$401000 | -$758000 | -$534000 | $2.4M | -$4.4M | -$1.1M | $11.6M | -$3.5M |
| Fluxo de Caixa Operacional | $28.1M | $28.6M | $32.6M | $37.1M | $37.2M | $40.8M | $42.4M | $33.3M | $33.9M | $54.3M |
| CapEx | -$6.8M | -$6.2M | -$4.1M | -$5.6M | -$2.3M | -$4.9M | -$7.8M | -$5.9M | -$2.6M | -$10.9M |
| Aquisições | 0 | $2.3M | 0 | 0 | 0 | $12.2M | 0 | 0 | $28.1M | 0 |
| Recompra de Ações | -$604000 | 0 | 0 | -$634000 | -$6.9M | -$2.4M | -$1.3M | -$5.9M | 0 | 0 |
| Dividendos Pagos | -$9.2M | -$9.3M | -$9.7M | -$10.1M | -$10.5M | -$10.8M | -$11.3M | -$11.7M | -$18.1M | -$24.6M |
| Fluxo de Caixa Livre | $21.3M | $22.3M | $28.6M | $31.5M | $34.9M | $35.9M | $34.5M | $27.3M | $31.3M | $43.3M |
Fluxo de Caixa (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Fluxo de Caixa Operacional | $15.2M | $16.1M | $8.3M | $13.9M |
| CapEx | -$2.2M | -$2.9M | -$1.8M | -$1.7M |
| Fluxo de Caixa Livre | $13.0M | $13.2M | $6.5M | $12.2M |
| Dividendos Pagos | -$6.2M | -$6.2M | -$6.2M | -$6.2M |
| Compensação em Ações | $267000 | $288000 | $444000 | $388000 |
Crescimento e Margens (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Crescimento Receita (anual) | | +8.9% | +10.3% | +10.4% | +2.1% | -2.7% | +14.8% | +32.6% | +40.1% | +22.3% |
| Crescimento Lucro Líquido (anual) | | -5.7% | +35.0% | +3.3% | +14.1% | +48.3% | -12.5% | -28.1% | -69.0% | +596.5% |
| Crescimento LPA (anual) | | -5.7% | +34.8% | +10.4% | +8.1% | +50.5% | -12.2% | -27.5% | -74.0% | +492.0% |
| Variação de Ações (anual) | | -0.0% | +0.1% | -0.1% | -0.8% | -1.4% | -0.3% | -0.8% | +20.1% | +17.3% |
| Crescimento FCF (anual) | | +5.0% | +27.8% | +10.2% | +10.8% | +2.9% | -3.8% | -20.9% | +14.7% | +38.3% |
| Margem Bruta | 85.0% | 84.9% | 82.2% | 77.9% | 80.4% | 89.6% | 87.8% | 61.2% | 50.1% | 66.6% |
| Margem Operacional | 30.0% | 29.9% | 28.8% | 26.6% | 30.9% | 49.7% | 36.7% | 19.8% | 3.7% | 25.7% |
| Margem EBITDA | 33.5% | 33.2% | 32.1% | 30.5% | 34.7% | 53.0% | 39.9% | 21.9% | 6.8% | 29.5% |
| Margem Líquida | 23.9% | 20.7% | 25.3% | 23.7% | 26.5% | 40.4% | 30.8% | 16.7% | 3.7% | 21.1% |
| Margem FCF | 26.0% | 25.1% | 29.0% | 29.0% | 31.5% | 33.3% | 27.9% | 16.7% | 13.6% | 15.4% |
| Taxa Efetiva de Imposto | 20.4% | 30.7% | 12.0% | 10.9% | 14.1% | 18.7% | 16.0% | 15.8% | -0.4% | 18.1% |
Dados por Ação (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| FCF por Ação | $2.88 | $3.02 | $3.86 | $4.26 | $4.75 | $4.96 | $4.79 | $3.82 | $3.65 | $4.30 |
| Dividendo por Ação | $1.24 | $1.26 | $1.31 | $1.37 | $1.43 | $1.49 | $1.57 | $1.63 | $2.11 | $2.45 |
| Ações em Circulação (Básicas) | $7.4M | $7.4M | $7.4M | $7.4M | $7.3M | $7.2M | $7.2M | $7.1M | $8.5M | $10.0M |
O que olhar em empresas de Financial Services
- Efficiency Ratio (≤55%) — Despesas operacionais / receita. Bancos top abaixo de 55%.
- ROA (≥1%) — Quanto ganham por cada euro de ativos. ROE engana em bancos pela alavancagem.
- ROTCE (≥12%) — Rentabilidade sobre Capital Tangível. Exclui goodwill e intangíveis.
- Capital / Ativos (proxy Tier 1) (≥8%) — Proxy do rácio de capital. FMP não expõe Tier 1 regulatório direto.
- P/B (1,0-1,5x) — Métrica clássica bancária. <1x pode ser oportunidade ou distress.
- Dividend yield sustentável (≥2%, <8%) — Bancos UE pagam 5-7% sem stress. >8% é sinal de distress.
Rentabilidade
| Retorno sobre patrimônio | 10.86% |
| Retorno sobre capital investido | 19.00% |
| Retorno sobre ativos | 1.04% |
| Margem bruta | 66.51% |
| Margem operacional | 24.51% |
| Margem líquida | 19.74% |
Saúde financeira
| Dívida / Patrimônio | 0.45 |
| Liquidez corrente | 1.09 |
| Piotroski F-Score | 6 |
| Altman Z-Score | 0.29 |
Índices Chave (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| P/L | 18.38 | 18.63 | 13.07 | 13.53 | 9.14 | 8.71 | 9.76 | 12.65 | 51.18 | 8.23 |
| P/VP | 1.40 | 1.30 | 1.17 | 1.25 | 0.85 | 1.12 | 1.18 | 1.02 | 0.93 | 0.94 |
| P/V | 4.40 | 3.86 | 3.32 | 3.43 | 2.42 | 3.53 | 3.00 | 2.11 | 1.90 | 1.73 |
| Margem Bruta | 85.0% | 84.9% | 82.2% | 77.9% | 80.4% | 89.6% | 87.8% | 61.2% | 50.1% | 66.6% |
| Margem Operacional | 30.0% | 29.9% | 28.8% | 26.6% | 30.9% | 49.7% | 36.7% | 19.8% | 3.7% | 25.7% |
| Margem Líquida | 23.9% | 20.7% | 25.3% | 23.7% | 26.5% | 40.4% | 30.8% | 16.7% | 3.7% | 21.1% |