Peoples Fin - Asset Resilience Ratio
Peoples Fin (PFIS) has an Asset Resilience Ratio of 4.14% as of June 2026. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing. See PFIS working capital efficiency to evaluate short-term liquidity relative to the company's equity base.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2002–2025)
This chart shows how Peoples Fin's Asset Resilience Ratio has changed over time. For the complete balance sheet picture, see how large is Peoples Fin's balance sheet.
Liquid Assets Composition Over Time
This chart breaks down Peoples Fin's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. Explore Peoples Fin long-term investment allocation to see how much of total assets are deployed in long-term investments.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $225.39 Million | 4.14% |
| Total Liquid Assets | $225.39 Million | 4.14% |
Asset Resilience Insights
- Limited Liquidity: Peoples Fin maintains only 4.14% of assets in liquid form.
- This low level may indicate efficient asset utilization but could pose risks during economic downturns.
- The company has significant short-term investments, indicating active treasury management.
Peoples Fin Industry Peers by Asset Resilience Ratio
Compare Peoples Fin's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
Santander Bank Polska S.A.
WAR:SPL |
Banks - Regional | 4.41% |
|
Banco Santander Chile
NYSE:BSAC |
Banks - Regional | 7.94% |
|
Bank of Baroda
NSE:BANKBARODA |
Banks - Regional | -12.63% |
|
Turkiye Is Bankasi AS Class C
IS:ISCTR |
Banks - Regional | -38.78% |
|
Ringkjoebing Landbobank A/S
CO:RILBA |
Banks - Regional | 0.03% |
|
ABSA Bank Limited
JSE:ABSP |
Banks - Regional | 2.72% |
|
Mechanics Bank
NASDAQ:MCHB |
Banks - Regional | 18.39% |
|
Laurentian Bank Of Canada
TO:LB |
Banks - Regional | 0.55% |
Annual Asset Resilience Ratio for Peoples Fin (2002–2025)
The table below shows the annual Asset Resilience Ratio data for Peoples Fin.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2025-12-31 | 3.82% | $201.24 Million | $5.27 Billion | -1.44pp |
| 2024-12-31 | 5.25% | $267.56 Million | $5.09 Billion | -5.41pp |
| 2023-12-31 | 10.66% | $398.93 Million | $3.74 Billion | -2.78pp |
| 2022-12-31 | 13.44% | $477.70 Million | $3.55 Billion | -1.91pp |
| 2021-12-31 | 15.35% | $517.32 Million | $3.37 Billion | +5.09pp |
| 2020-12-31 | 10.26% | $295.91 Million | $2.88 Billion | -3.09pp |
| 2019-12-31 | 13.35% | $330.48 Million | $2.48 Billion | +1.57pp |
| 2018-12-31 | 11.79% | $269.68 Million | $2.29 Billion | -0.77pp |
| 2017-12-31 | 12.56% | $272.55 Million | $2.17 Billion | -0.41pp |
| 2016-12-31 | 12.97% | $259.41 Million | $2.00 Billion | -2.69pp |
| 2015-12-31 | 15.66% | $284.94 Million | $1.82 Billion | -3.83pp |
| 2014-12-31 | 19.50% | $339.59 Million | $1.74 Billion | +1.75pp |
| 2013-12-31 | 17.75% | $299.71 Million | $1.69 Billion | +0.17pp |
| 2012-12-31 | 17.58% | $161.39 Million | $918.04 Million | -4.93pp |
| 2011-12-31 | 22.51% | $139.90 Million | $621.40 Million | +0.71pp |
| 2010-12-31 | 21.80% | $121.77 Million | $558.59 Million | -3.47pp |
| 2009-12-31 | 25.27% | $130.51 Million | $516.48 Million | +1.93pp |
| 2008-12-31 | 23.34% | $110.25 Million | $472.38 Million | -2.61pp |
| 2007-12-31 | 25.95% | $112.75 Million | $434.43 Million | -0.55pp |
| 2006-12-31 | 26.50% | $110.30 Million | $416.27 Million | -1.19pp |
| 2005-12-31 | 27.69% | $108.31 Million | $391.20 Million | +20.40pp |
| 2003-12-31 | 7.29% | $27.05 Million | $371.29 Million | +0.74pp |
| 2002-12-31 | 6.55% | $22.71 Million | $346.84 Million | -- |
About Peoples Fin
Peoples Financial Services Corp. operates as the bank holding company for Peoples Security Bank and Trust Company that provides commercial and retail banking services in Pennsylvania, New Jersey and New York. The company accepts deposits through money market, negotiable order of withdrawal, savings, individual retirement, demand deposit, and certificates of deposit accounts. It also provides resi… Read more