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Peoples Financial Services ( (PFIS) ) just unveiled an update.
Peoples Financial Services reported first-quarter 2026 net income of $14.7 million, or $1.47 per diluted share, reflecting a return on average assets of 1.15%, a net interest margin of 3.67% and an efficiency ratio of 57.1%. The bank also highlighted a loans-to-assets ratio of 77.3%, a loan-to-deposit ratio of 94.7%, and nonperforming assets at just 0.23% of total assets, underscoring solid asset quality and profitability.
The company detailed balance sheet strength as of March 31, 2026, with $4.4 billion in deposits, including a heavy concentration in non-maturity accounts, and $4.2 billion in loans supported by an allowance for credit losses equal to 0.94% of net loans. Management pointed to the July 1, 2024 merger with FNCB as a key driver of increased scale, diversified earnings and improved liquidity, with total available liquidity reaching $3.2 billion and tangible book value per share rising to $42.29, signaling a stronger capital and funding position for stakeholders.
The most recent analyst rating on (PFIS) stock is a Hold with a $56.00 price target. To see the full list of analyst forecasts on Peoples Financial Services stock, see the PFIS Stock Forecast page.
Spark’s Take on PFIS Stock
According to Spark, TipRanks’ AI Analyst, PFIS is a Outperform.
PFIS scores well overall due to strong valuation (low P/E and high dividend yield) and positive technical trend (price above key moving averages with positive MACD). The main constraint is financial quality consistency: earnings improved sharply, but higher leverage and weaker recent free-cash-flow growth/cash conversion temper the score.
To see Spark’s full report on PFIS stock, click here.
More about Peoples Financial Services
Peoples Financial Services Corp., traded on NASDAQ as PFIS, is a bank holding company that owns Peoples Security Bank and Trust, a Pennsylvania state-chartered bank. The institution has expanded from its 1905 origins into a $5.4 billion regional bank with operations across Pennsylvania, New York and New Jersey, emphasizing commercial and consumer banking, lending, and deposit services in high-growth markets such as the Lehigh Valley and Philadelphia metro areas.
Average Trading Volume: 52,007
Technical Sentiment Signal: Buy
Current Market Cap: $577.8M
For detailed information about PFIS stock, go to TipRanks’ Stock Analysis page.