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Peoples Financial Services (Peoples Financial Services) E10 : $4.24 (As of Mar. 2024)


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What is Peoples Financial Services E10?

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Peoples Financial Services's adjusted earnings per share data for the three months ended in Mar. 2024 was $0.490. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is $4.24 for the trailing ten years ended in Mar. 2024.

During the past 12 months, Peoples Financial Services's average E10 Growth Rate was 7.30% per year. During the past 3 years, the average E10 Growth Rate was 10.50% per year. During the past 5 years, the average E10 Growth Rate was 9.70% per year. During the past 10 years, the average E10 Growth Rate was 8.10% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of Peoples Financial Services was 10.50% per year. The lowest was 1.30% per year. And the median was 7.80% per year.

As of today (2024-05-18), Peoples Financial Services's current stock price is $40.75. Peoples Financial Services's E10 for the quarter that ended in Mar. 2024 was $4.24. Peoples Financial Services's Shiller PE Ratio of today is 9.61.

During the past 13 years, the highest Shiller PE Ratio of Peoples Financial Services was 25.94. The lowest was 8.82. And the median was 16.48.


Peoples Financial Services E10 Historical Data

The historical data trend for Peoples Financial Services's E10 can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

Peoples Financial Services E10 Chart

Peoples Financial Services Annual Data
Trend Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 2.91 3.11 3.53 3.85 4.20

Peoples Financial Services Quarterly Data
Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24
E10 Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 3.95 4.04 4.10 4.20 4.24

Competitive Comparison of Peoples Financial Services's E10

For the Banks - Regional subindustry, Peoples Financial Services's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Peoples Financial Services's Shiller PE Ratio Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Peoples Financial Services's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where Peoples Financial Services's Shiller PE Ratio falls into.



Peoples Financial Services E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Peoples Financial Services's adjusted earnings per share data for the three months ended in Mar. 2024 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2024 (Change)*Current CPI (Mar. 2024)
=0.49/131.7762*131.7762
=0.490

Current CPI (Mar. 2024) = 131.7762.

Peoples Financial Services Quarterly Data

per share eps CPI Adj_EPS
201406 0.440 100.560 0.577
201409 0.700 100.428 0.919
201412 0.580 99.070 0.771
201503 0.670 99.621 0.886
201506 0.590 100.684 0.772
201509 0.580 100.392 0.761
201512 0.520 99.792 0.687
201603 0.660 100.470 0.866
201606 0.660 101.688 0.855
201609 0.690 101.861 0.893
201612 0.640 101.863 0.828
201703 0.650 102.862 0.833
201706 0.760 103.349 0.969
201709 0.720 104.136 0.911
201712 0.360 104.011 0.456
201803 0.790 105.290 0.989
201806 0.810 106.317 1.004
201809 0.910 106.507 1.126
201812 0.860 105.998 1.069
201903 0.870 107.251 1.069
201906 0.960 108.070 1.171
201909 0.960 108.329 1.168
201912 0.920 108.420 1.118
202003 0.710 108.902 0.859
202006 1.030 108.767 1.248
202009 1.140 109.815 1.368
202012 1.130 109.897 1.355
202103 1.310 111.754 1.545
202106 1.180 114.631 1.356
202109 1.260 115.734 1.435
202112 2.280 117.630 2.554
202203 1.330 121.301 1.445
202206 1.300 125.017 1.370
202209 1.380 125.227 1.452
202212 1.270 125.222 1.336
202303 1.050 127.348 1.087
202306 1.310 128.729 1.341
202309 0.950 129.860 0.964
202312 0.510 129.419 0.519
202403 0.490 131.776 0.490

Add all the adjusted EPS together and divide 10 will get our e10.


Peoples Financial Services  (NAS:PFIS) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Peoples Financial Services's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=40.75/4.24
=9.61

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Shiller P/E Ratio of Peoples Financial Services was 25.94. The lowest was 8.82. And the median was 16.48.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Peoples Financial Services E10 Related Terms

Thank you for viewing the detailed overview of Peoples Financial Services's E10 provided by GuruFocus.com. Please click on the following links to see related term pages.


Peoples Financial Services (Peoples Financial Services) Business Description

Traded in Other Exchanges
N/A
Address
150 North Washington Avenue, Scranton, PA, USA, 18503
Peoples Financial Services Corp is a bank holding company operating through its subsidiaries. The bank provides a full range of financial services. Its products and services include checking accounts, business accounts, savings accounts, loan products, money market accounts, mortgages, chip-enabled debit cards, credit card processing, and visa master card and advisory services. Its loan portfolio includes Commercial loans, which consist of commercial, commercial real estate, municipal, and other related tax-free loans; and retail loans, which include residential real estate and other consumer loans. The company mainly operates in the United States in Pennsylvania.
Executives
Elisa Z Ramirez director 1225 17TH STREET, SUITE 2600, DENVER CO 80202
Wright Joseph T Jr director P.O. BOX A, HALLSTEAD PA 18822
Aubrey William E Ii director PO BOX 158, LAPLUME PA 18440
Locken Richard S Jr director 50 MAIN STREET, HALLSTEAD PA 18822
Ronald G Kukuchka director PO BOX A, HALLSTEAD PA 18822
Jeffrey A Drobins officer: EVP, Chief Lending Officer C/O PEOPLES SECURITY BANK & TRUST CO., 150 N WASHINGTON AVE, SCRANTON PA 18503
Thomas P Tulaney officer: Chief Lending Officer 102 E. DRINKER STREET, DUNMORE PA 18512
Sandra Bodnyk director NATIONAL PENN BANCSHARES, INC, 645 HAMILTON STREET, ALLENTOWN PA 18101
Susan L Hubble officer: EVP, Chief Information Officer C/O PEOPLES SECURITY BANK & TRUST CO., 150 N WASHINGTON AVE, SCRANTON PA 18503
Debra E Dissinger officer: Executive Vice President C/O PEOPLES SECURITY BANK & TRUST CO., 150 N WASHINGTON AVE, SCRANTON PA 18503
Joseph Ferretti officer: Vice President C/O PEOPLES FINANCIAL SERVICES CORP, 50 MAIN STREET, HALLSTEAD PA 18822
Anderson John R Iii officer: SVP,Int Prin Accting Officer 150 N WASHINGTON AVE, PENN SECURITY BANK & TRUST CO, SCRANTON PA 18503
Stover George H Jr director 50 MAIN STREET, HALLSTEAD PA 18822
Craig W Best director, officer: President & CEO C/O PEOPLES SECURITY BANK & TRUST CO., 150 N WASHINGTON AVE, SCRANTON PA 18503
Cesare Joseph G Md director 120 OLD ORCHARD RD, CLARKS GREEN PA 18411