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Side-by-side financial comparison of PEOPLES FINANCIAL SERVICES CORP. (PFIS) and Prairie Operating Co. (PROP). Click either name above to swap in a different company.

Prairie Operating Co. is the larger business by last-quarter revenue ($77.7M vs $46.8M, roughly 1.7× PEOPLES FINANCIAL SERVICES CORP.). PEOPLES FINANCIAL SERVICES CORP. runs the higher net margin — 27.8% vs 1.7%, a 26.2% gap on every dollar of revenue. Over the past eight quarters, Prairie Operating Co.'s revenue compounded faster (9784.4% CAGR vs 43.5%).

The PNC Financial Services Group, Inc. is an American bank holding company and financial services corporation based in Pittsburgh, Pennsylvania. Its banking subsidiary, PNC Bank, operates in 27 states and the District of Columbia, with 2,629 branches and 9,523 ATMs. PNC Bank is one of the largest banks in the US by assets and by number of branches, deposits, and ATMs.

Prairie Farms Dairy is a dairy cooperative founded in Carlinville, Illinois, and now headquartered in Edwardsville, Illinois. As a dairy cooperative, Prairie Farms receives milk from producers and converts it into many different products, including cheese, butter, ice cream, sour cream, cottage cheese, various dips, yogurt, and fluid milk. Prairie Farms also produces and sells juices, flavored drinks, and pre-made iced tea.

PFIS vs PROP — Head-to-Head

Bigger by revenue
PROP
PROP
1.7× larger
PROP
$77.7M
$46.8M
PFIS
Higher net margin
PFIS
PFIS
26.2% more per $
PFIS
27.8%
1.7%
PROP
Faster 2-yr revenue CAGR
PROP
PROP
Annualised
PROP
9784.4%
43.5%
PFIS

Income Statement — Q4 FY2025 vs Q3 FY2025

Metric
PFIS
PFIS
PROP
PROP
Revenue
$46.8M
$77.7M
Net Profit
$12.0M
$1.3M
Gross Margin
Operating Margin
31.5%
34.8%
Net Margin
27.8%
1.7%
Revenue YoY
5.8%
Net Profit YoY
96.7%
111.3%
EPS (diluted)
$1.20
$-0.44

Green = leading value per metric. Periods may differ when fiscal calendars don't align.

8-Quarter Revenue & Profit Trend

Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.

Revenue
PFIS
PFIS
PROP
PROP
Q4 25
$46.8M
Q3 25
$46.7M
$77.7M
Q2 25
$48.4M
$68.1M
Q1 25
$45.8M
$13.6M
Q4 24
$44.2M
Q3 24
$45.0M
$0
Q2 24
$22.5M
Q1 24
$22.7M
Net Profit
PFIS
PFIS
PROP
PROP
Q4 25
$12.0M
Q3 25
$15.2M
$1.3M
Q2 25
$17.0M
$35.7M
Q1 25
$15.0M
$-2.6M
Q4 24
$6.1M
Q3 24
$-4.3M
$-11.4M
Q2 24
$3.3M
Q1 24
$3.5M
Operating Margin
PFIS
PFIS
PROP
PROP
Q4 25
31.5%
Q3 25
40.4%
34.8%
Q2 25
42.2%
27.8%
Q1 25
39.8%
12.9%
Q4 24
13.2%
Q3 24
-11.1%
Q2 24
16.5%
Q1 24
17.4%
Net Margin
PFIS
PFIS
PROP
PROP
Q4 25
27.8%
Q3 25
32.7%
1.7%
Q2 25
35.0%
52.4%
Q1 25
32.8%
-19.3%
Q4 24
15.8%
Q3 24
-9.6%
Q2 24
14.6%
Q1 24
15.3%
EPS (diluted)
PFIS
PFIS
PROP
PROP
Q4 25
$1.20
Q3 25
$1.51
$-0.44
Q2 25
$1.68
$0.18
Q1 25
$1.49
$-3.49
Q4 24
$0.47
Q3 24
$-0.43
$-0.68
Q2 24
$0.46
Q1 24
$0.49

Balance Sheet & Financial Strength

Snapshot of each company's liquidity, leverage and book value from the latest quarter.

Metric
PFIS
PFIS
PROP
PROP
Cash + ST InvestmentsLiquidity on hand
$10.6M
Total DebtLower is stronger
Stockholders' EquityBook value
$519.8M
$101.8M
Total Assets
$5.3B
$939.8M
Debt / EquityLower = less leverage

8-quarter trend — quarters aligned by calendar period.

Cash + ST Investments
PFIS
PFIS
PROP
PROP
Q4 25
Q3 25
$10.6M
Q2 25
$10.7M
Q1 25
$15.0M
Q4 24
Q3 24
$40.1M
Q2 24
Q1 24
Total Debt
PFIS
PFIS
PROP
PROP
Q4 25
Q3 25
Q2 25
$387.0M
Q1 25
$377.0M
Q4 24
Q3 24
Q2 24
Q1 24
Stockholders' Equity
PFIS
PFIS
PROP
PROP
Q4 25
$519.8M
Q3 25
$509.3M
$101.8M
Q2 25
$494.1M
$94.2M
Q1 25
$481.9M
$34.0M
Q4 24
$468.9M
Q3 24
$475.1M
$61.3M
Q2 24
$340.8M
Q1 24
$340.0M
Total Assets
PFIS
PFIS
PROP
PROP
Q4 25
$5.3B
Q3 25
$5.2B
$939.8M
Q2 25
$5.1B
$858.5M
Q1 25
$5.0B
$775.4M
Q4 24
$5.1B
Q3 24
$5.4B
$107.2M
Q2 24
$3.6B
Q1 24
$3.7B
Debt / Equity
PFIS
PFIS
PROP
PROP
Q4 25
Q3 25
Q2 25
4.11×
Q1 25
11.07×
Q4 24
Q3 24
Q2 24
Q1 24

Cash Flow & Capital Efficiency

How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.

Metric
PFIS
PFIS
PROP
PROP
Operating Cash FlowLast quarter
$54.3M
$57.7M
Free Cash FlowOCF − Capex
$43.3M
FCF MarginFCF / Revenue
92.7%
Capex IntensityCapex / Revenue
23.4%
Cash ConversionOCF / Net Profit
4.53×
44.80×
TTM Free Cash FlowTrailing 4 quarters
$73.4M

8-quarter trend — quarters aligned by calendar period.

Operating Cash Flow
PFIS
PFIS
PROP
PROP
Q4 25
$54.3M
Q3 25
$15.2M
$57.7M
Q2 25
$13.9M
$-7.2M
Q1 25
$9.1M
$16.9M
Q4 24
$34.7M
Q3 24
$21.9M
$2.8M
Q2 24
$1.7M
Q1 24
$3.2M
Free Cash Flow
PFIS
PFIS
PROP
PROP
Q4 25
$43.3M
Q3 25
$13.0M
Q2 25
$8.5M
Q1 25
$8.6M
Q4 24
$32.1M
Q3 24
$17.6M
Q2 24
$1.3M
Q1 24
$3.0M
FCF Margin
PFIS
PFIS
PROP
PROP
Q4 25
92.7%
Q3 25
27.9%
Q2 25
17.6%
Q1 25
18.7%
Q4 24
72.8%
Q3 24
39.1%
Q2 24
6.0%
Q1 24
13.3%
Capex Intensity
PFIS
PFIS
PROP
PROP
Q4 25
23.4%
Q3 25
4.7%
Q2 25
11.1%
Q1 25
1.1%
Q4 24
5.8%
Q3 24
9.6%
Q2 24
1.8%
Q1 24
1.0%
Cash Conversion
PFIS
PFIS
PROP
PROP
Q4 25
4.53×
Q3 25
1.00×
44.80×
Q2 25
0.82×
-0.20×
Q1 25
0.60×
Q4 24
5.70×
Q3 24
Q2 24
0.53×
Q1 24
0.93×

Financial Flow Comparison

Revenue → gross profit → operating profit → net profit for each company.

Revenue Breakdown by Segment

PFIS
PFIS

Segment breakdown not available.

PROP
PROP

Crude Oil Sales$64.9M84%
Natural Gas Sales$7.6M10%
Natural Gas Liquids Reserves$5.2M7%

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