Peoples Financial Services Corp. (PFIS)
NASDAQ:PFIS
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PFIS Stock Chart & Stats
$58.45
$0.35(0.73%)
At close: 4:00 PM EST
$58.45
$0.35(0.73%)
Day’s Range― - ―
52-Week Range$43.64 - $59.86
Previous CloseN/A
Volume3.62K
Average Volume (3M)25.89K
Market Cap
$587.64M
Enterprise Value$842.23M
Total Cash (Recent Filing)$59.48M
Total Debt (Recent Filing)$314.07M
Price to Earnings (P/E)9.0
Beta0.81
Next Earnings
Jul 16, 2026EPS Estimate
1.62Next Dividend Ex-DateN/A
Dividend Yield4.97%
Share Statistics
EPS (TTM)5.90
Shares Outstanding10,010,881
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 Cap1.43
Enterprise Value/Revenue2.96
Enterprise Value/Gross Profit4.41
Enterprise Value/Ebitda10.83
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)6.54
Revenue Forecast (FY)$207.45M
Bulls Say, Bears Say
Bulls Say
Very Low Asset-quality MetricsExtremely low nonperforming assets (0.23%) indicate strong underwriting and portfolio seasoning, reducing downside from credit losses. This durable asset quality supports predictable provisioning, steadier earnings and capital preservation across economic cycles over the next several quarters.
Enhanced Scale And Liquidity From MergerThe completed FNCB merger materially increased deposits, loans and available liquidity (~$3.0–$3.2B), improving funding diversity and balance-sheet flexibility. Greater scale supports fee diversification, loan growth capacity and resilience to deposit volatility over coming quarters.
Improved Profitability And Revenue MomentumTTM results show a substantive rebound: elevated net margins (~20%+) and markedly stronger revenue growth (sharp TTM acceleration). Sustained NIMs (~3.6%–3.67%) and operating profitability signal durable earnings power and internal cash generation potential if management maintains loan mix and expense discipline.
Bears Say
Rising Leverage TrendDebt-to-equity climbing toward ~0.6 reflects increased reliance on borrowed funds. Higher leverage elevates interest and refinancing risk, narrows capital cushions, and reduces flexibility for organic growth or stress losses, making the bank more sensitive to rate and credit-cycle shifts over the medium term.
Weakened Free Cash Flow MomentumA steep TTM FCF decline (-63.7%) and low operating-cash-to-net-income coverage (~0.30) imply volatile cash conversion, likely from working-capital timing or one-offs. Reduced and inconsistent cash generation can constrain loan funding, capital returns and reinvestment over the next several quarters.
Historic Margin Volatility And Sustainability RiskLarge swing from a ~3.7% net margin in 2024 to ~20%+ TTM raises questions about sustainability. Such volatility suggests earnings may be sensitive to discrete items, rate moves or mix shifts; investors should monitor repeatable drivers before assuming current margins persist.
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 $59.86 in the past 12 months.
What is Peoples Financial Services Corp.’s market cap?
Peoples Financial Services Corp.’s market cap is $587.64M.
When is Peoples Financial Services Corp.’s upcoming earnings report date?
Peoples Financial Services Corp.’s upcoming earnings report date is Jul 16, 2026 which is in 56 days.
How were Peoples Financial Services Corp.’s earnings last quarter?
Peoples Financial Services Corp. released its earnings results on Apr 30, 2026. The company reported $1.43 earnings per share for the quarter, missing the consensus estimate of $1.535 by -$0.105.
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 $0.618 which represents an annual dividend yield of 4.97%. 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 1.62.
How many shares outstanding does Peoples Financial Services Corp. have?
Peoples Financial Services Corp. has 10,010,881 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 $1.43 in its last earnings report, missing expectations of $1.535. Following the earnings report the stock price went down -0.439%.
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
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10
Blogger Sentiment
Bullish
PFIS Sentiment 100%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 67.0K 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
11.50%
Trailing 12-Months
Asset Growth
8.48%
Trailing 12-Months
Company Description
Peoples Financial Services Corp.
Peoples Financial Services Corp. operates as the bank holding company for Peoples Security Bank and Trust Company that provides various commercial and retail banking services. The company accepts money market, NOW, savings, individual retirement, demand deposit, and certificates of deposit accounts. It also provides residential real estate, automobile, manufactured housing, personal, and home equity loans; and commercial real estate, working capital, construction, small business administration, and agricultural loans, as well as loans for equipment and other commercial needs, and mineral rights. In addition, the company offers investment management, IRA trustee, estate administration, living and life insurance trust, trustee under will, guardianship, custodial/IRA custodial, and corporate trust services, as well as pension and profit sharing plans. Further, it provides investment portfolio management, estate and business succession planning, annuities, insurance, retirement plan, and tax planning, as well as education funding strategies; and securities and brokerage, and investor services. Additionally, the company offers small business checking and merchant money market accounts, online and telephone banking, business credit cards, merchant line of credit, and financial checkup services; and remote deposit capture, automatic clearing house transaction, cash management, automated teller machine, point of sale transaction, safe deposit box, night depository, direct deposit, and official check services. It serves business, non-profit, governmental, municipal agency, and professional customers, as well as retail customers through 28 full-service community banking offices located in Allegheny, Bucks, Lackawanna, Lebanon, Lehigh, Luzerne, Monroe, Montgomery, Northampton, Susquehanna, and Wyoming Counties of Pennsylvania; Middlesex County of New Jersey; and Broome County of New York. The company was founded in 1905 and is headquartered in Scranton, Pennsylvania.
Technical Analysis
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Ownership Overview
8.17% Insiders
9.54% Mutual Funds
3.92% Other Institutional Investors
66.29% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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