Peoples Financial Services Corp — Earnings Quality Grade F
PFIS · Financial Services
Major red flags
Screening Summary
Management Signals
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 34 days, change -8 days YoY
AR growth 12.8% vs revenue growth 39.6%
Revenue 39.6%, CFFO 56.3%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth 324.6% is >2x revenue growth 39.6%
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 0.92. Profits backed by cash
FCF $0.0B, FCF/NI = 0.73
Accruals ratio = 0.1%. Low accruals
Cash $0.1B covers only 26% of debt $0.3B
Balance Sheet Health
Goodwill+Intangibles $0.1B = 20% of equity. Manageable
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change -6% YoY. Normal
Manipulation Score
Insufficient data
Portfolio monitoring
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Altman Z-Score — Not Applicable
Peoples Financial Services Corp is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25