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PFIS Stock Chart & Stats
$69.44
$0.52(0.75%)
At close: 4:00 PM EDT
$69.44
$0.52(0.75%)
Day’s Range― - ―
52-Week Range$43.64 - $73.37
Previous CloseN/A
Volume15.47K
Average Volume (3M)25.89K
Market Cap
$702.13M
Enterprise Value$922.55
Total Cash (Recent Filing)$74.93M
Total Debt (Recent Filing)$239.80M
Price to Earnings (P/E)12.3
Beta0.72
Next Earnings
Oct 16, 2026EPS Estimate
1.74Next Dividend Ex-DateN/A
Dividend Yield3.54%
Share Statistics
EPS (TTM)5.68
Shares Outstanding10,010,367
10 Day Avg. Volume34,188
30 Day Avg. Volume25,893
Financial Highlights & Ratios
PEG Ratio0.02
Price to Book (P/B)0.94
Price to Sales (P/S)1.73
P/FCF Ratio11.23
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)6.51
Revenue Forecast (FY)$210.20M
Bulls Say, Bears Say
Bulls Say
Revenue And Profit RecoveryStrong revenue momentum and restored profitability indicate improved earnings capacity after the 2024 downturn. Sustained margins near 20% provide a meaningful base for capital generation, although future performance remains tied to banking-cycle conditions.
Asset Quality And Capital StrengthVery low problem assets and charge-offs reduce the risk that credit losses will erode earnings or capital. Improved tangible capitalization also strengthens resilience and supports continued lending through changing economic conditions.
Stable Deposit FranchiseA large base of non-maturity and noninterest-bearing deposits can provide relatively stable, lower-cost funding for loans. This supports net interest income and gives the community banking franchise a durable funding advantage.
Bears Say
Cyclical Earnings VolatilityThe sharp earnings reset in 2024 demonstrates sensitivity to interest-rate and credit cycles. Even with recovery, profits may remain uneven if funding costs rise, loan demand weakens, or credit conditions deteriorate.
Uneven Cash Flow CoverageHigh recent cash conversion supports earnings quality, but the decline in debt coverage and weak historical periods show that cash generation is not consistently predictable. This can constrain flexibility when funding or credit conditions worsen.
Higher Leverage And Potential DilutionModerate leverage is currently manageable, but its upward trend increases sensitivity to earnings weakness and funding costs. The larger equity incentive pool may help retain talent while creating potential dilution for existing shareholders over time.
Peoples Financial Services News
PFIS FAQ
What was Peoples Financial Services Corp.’s price range in the past 12 months?
Peoples Financial Services Corp. lowest stock price was $43.64 and its highest was $73.37 in the past 12 months.
What is Peoples Financial Services Corp.’s market cap?
Peoples Financial Services Corp.’s market cap is $702.13M.
When is Peoples Financial Services Corp.’s upcoming earnings report date?
Peoples Financial Services Corp.’s upcoming earnings report date is Oct 16, 2026 which is in 54 days.
How were Peoples Financial Services Corp.’s earnings last quarter?
Peoples Financial Services Corp. released its earnings results on Jul 30, 2026. The company reported $1.48 earnings per share for the quarter, missing the consensus estimate of $1.635 by -$0.155.
Is Peoples Financial Services Corp. overvalued?
According to Wall Street analysts Peoples Financial Services Corp.’s price is currently Overvalued.
Does Peoples Financial Services Corp. pay dividends?
Peoples Financial Services Corp. pays a Quarterly dividend of $0.625 which represents an annual dividend yield of 3.54%. See more information on Peoples Financial Services Corp. dividends here
What is Peoples Financial Services Corp.’s EPS estimate?
Peoples Financial Services Corp.’s EPS estimate is 1.74.
How many shares outstanding does Peoples Financial Services Corp. have?
Peoples Financial Services Corp. has 10,010,367 shares outstanding.
What happened to Peoples Financial Services Corp.’s price movement after its last earnings report?
Peoples Financial Services Corp. reported an EPS of $1.48 in its last earnings report, missing expectations of $1.635. Following the earnings report the stock price went down -1.055%.
Which hedge fund is a major shareholder of Peoples Financial Services Corp.?
Currently, no hedge funds are holding shares in PFIS
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Peoples Financial Services Stock Smart Score
Neutral
1
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5
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7
8
9
10
Blogger Sentiment
Neutral
PFIS Sentiment 50%
Sector Average 55%
Sector Average 55%
Hedge Fund Trend
Increased
By 200.0 Shares
Last Quarter.
Last Quarter.
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
1.51%
12-Months-Change
Fundamentals
Return on Equity
3.54%
Trailing 12-Months
Asset Growth
6.51%
Trailing 12-Months
Company Description
Peoples Financial Services Corp.
Peoples Financial Services Corp. functions as the holding company for Peoples Security Bank and Trust Company, delivering a comprehensive suite of commercial and retail banking solutions. Its deposit offerings encompass demand deposit accounts (including NOW and small business checking), money market and savings accounts, individual retirement accounts (IRAs), and various certificates of deposit. The company's lending portfolio is extensive, covering residential needs such as mortgages, auto, personal, manufactured housing, and home equity loans. For commercial clients, it extends financing for real estate, working capital, construction, equipment, agricultural ventures, mineral rights, and Small Business Administration (SBA) initiatives. Beyond traditional banking, the corporation delivers a range of wealth management and trust services. These encompass investment management, various trust arrangements (IRA, estate administration, living, life insurance, testamentary, guardianship, corporate, custodial), and administration of pension and profit-sharing schemes. Financial advisory offerings include investment portfolio oversight, strategic estate and business succession planning, retirement and tax planning, and education funding strategies. It also facilitates annuities, insurance products, securities, brokerage, and broader investor services. For businesses, specialized services extend to small business checking, merchant money market accounts, business credit cards, and lines of credit, complemented by online and telephone banking, and financial checkup services. Operational support for all clients includes remote deposit capture, Automatic Clearing House (ACH) transactions, cash management, automated teller machines (ATMs), point-of-sale services, safe deposit boxes, night depositories, direct deposit, and official checks. Its diverse customer base includes individual consumers, businesses, non-profit organizations, governmental bodies, municipal agencies, and professionals. With 28 full-service community banking branches, the company maintains a significant presence across Allegheny, Bucks, Lackawanna, Lebanon, Lehigh, Luzerne, Monroe, Montgomery, Northampton, Susquehanna, and Wyoming Counties in Pennsylvania, as well as Middlesex County in New Jersey, and Broome County in New York. Established in 1905, the institution is headquartered in Scranton, Pennsylvania.
Technical Analysis
Bar Harbor Bankshares
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Peapack-Gladstone Financial
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Unity Bancorp
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Ownership Overview
8.16% Insiders
9.86% Mutual Funds
4.37% Other Institutional Investors
63.17% Public Companies and
Individual Investors