Peoples Fin - Asset Resilience Ratio
Peoples Fin (PFIS) has an Asset Resilience Ratio of 3.82% as of December 2025. 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. Check Peoples Fin strategic asset allocation index to assess the company's strategic physical and investment asset allocation.
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. See Peoples Fin balance sheet quality to measure how much of total assets are equity-financed.
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. For market capitalisation and broader financial context, see PFIS market cap.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $201.24 Million | 3.82% |
| Total Liquid Assets | $201.24 Million | 3.82% |
Asset Resilience Insights
- Limited Liquidity: Peoples Fin maintains only 3.82% 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 |
|---|---|---|
|
BNP Paribas SA
PA:BNP |
Banks - Regional | 17.67% |
|
CIMB Group Holdings Bhd
KLSE:1023 |
Banks - Regional | 1.96% |
|
Hua Xia Bank Co Ltd
SHG:600015 |
Banks - Regional | 4.86% |
|
Grupo Security
SN:SECURITY |
Banks - Regional | 0.15% |
|
Bank Mestika Dharma Tbk
JK:BBMD |
Banks - Regional | -6.51% |
|
Bank Multiarta Sentosa PT
JK:MASB |
Banks - Regional | 1.29% |
|
Bank Ochrony Środowiska SA
WAR:BOS |
Banks - Regional | 8.84% |
|
Bank Capital Indonesia Tbk
JK:BACA |
Banks - Regional | -22.83% |
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