Peoples Financial Services (PFIS) AI Stock Analysis

• Market Cap: $547.60M
• Dividend Yield: 4.97%
• Average Volume (3M): 25.89K
• Price to Earnings (P/E): 9.3
• Beta (1Y): 0.76
• Revenue Growth: 39.98%
• EPS Growth: 413.87%
• Country: US
• Employees: 511
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 1.36
• Shares Outstanding: 9,994,595
• 10 Day Avg. Volume: 34,188
• 30 Day Avg. Volume: 25,893
• PEG Ratio: 0.02
• Price to Book (P/B): 0.94
• Price to Sales (P/S): 1.73
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: 1.21
• Enterprise Value/Revenue: 2.36
• Enterprise Value/Gross Profit: 3.54
• Enterprise Value/Ebitda: 8.28
• 1Y Price Target: $56.00
• Price Target Upside: -0.39% Downside
• Rating Consensus: Hold
• Number of Analyst Covering: 1
• EPS Forecast (FY): 6.37
• Revenue Forecast (FY): $202.15M

• Rating: 69 Neutral
• Price Target: $59.00 ▲(4.94% Upside)
• Action: Reiterated Date: 12/31/25
• Date: Action: Reiterated 12/31/25

The score is driven primarily by solid profitability and balance sheet leverage metrics, tempered by severe revenue contraction and negative free cash flow growth. Valuation supports the score with a low P/E and strong dividend yield, while technical signals are mixed and the recent securities portfolio move modestly improves near-term income outlook.

Positive Factors

Net Interest Margin Improvement

An improved net interest margin indicates better profitability from lending activities, enhancing long-term earnings potential and financial stability.

Strategic Portfolio Repositioning

The strategic shift to higher-yielding securities enhances interest income, supporting long-term profitability and financial resilience.

Strong Profitability Margins

Solid profitability margins reflect efficient operations and cost management, providing a buffer against economic fluctuations and supporting sustainable growth.

Negative Factors

Severe Revenue Contraction

Significant revenue decline poses a risk to long-term growth and market competitiveness, potentially impacting future profitability and strategic initiatives.

Negative Free Cash Flow Growth

Negative cash flow growth indicates potential liquidity issues, limiting the company's ability to reinvest in growth opportunities and manage debt effectively.

Pending Administrative Property Sales Loss

The loss from property sales could impact short-term financial results and reflects challenges in asset management, affecting capital allocation efficiency.

Peoples Financial Services Business Overview & Revenue Model

Company Description

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.

How the Company Makes Money

Peoples Financial Services generates revenue through a variety of key streams. Primarily, it earns interest income from loans issued to customers, including personal loans, mortgages, and business loans. Additionally, the company collects fees from various financial services such as account maintenance, transaction services, and wealth management. Investment income from its asset management services also contributes to its earnings. Furthermore, PFIS may engage in partnerships with other financial institutions or service providers, enhancing its service offerings and expanding its client base, which can lead to increased revenue through cross-selling opportunities.

Peoples Financial Services Financial Statement Overview

Summary

Profitable with solid margins (TTM net margin 18.89%; EBIT margin 22.69%) and moderate leverage (debt-to-equity 0.31; ROE 10.91%), but materially weakened by very negative revenue growth (-95.6%) and negative free cash flow growth (-11.29%).

Income Statement

Peoples Financial Services has shown strong profitability with a TTM net profit margin of 18.89% and a gross profit margin of 47.64%. However, the revenue growth rate is negative at -95.6%, indicating a significant decline in revenue. The EBIT and EBITDA margins are healthy at 22.69% and 25.45%, respectively, suggesting efficient operations despite the revenue drop.

Balance Sheet

The company maintains a moderate debt-to-equity ratio of 0.31, indicating a balanced approach to leverage. The return on equity is 10.91%, reflecting decent profitability relative to shareholder equity. The equity ratio stands at 9.87%, suggesting a stable capital structure with adequate equity backing.

Cash Flow

Free cash flow growth is negative at -11.29%, highlighting potential liquidity challenges. However, the operating cash flow to net income ratio is 0.49, and the free cash flow to net income ratio is 1.03, indicating that cash flows are generally covering net income, albeit with some pressure on growth.

Breakdown	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	280.95M	229.80M	164.00M	123.66M	107.75M
Gross Profit	187.12M	115.19M	100.34M	108.52M	96.58M
EBITDA	72.23M	15.70M	36.00M	49.40M	57.16M
Net Income	59.19M	8.50M	27.38M	38.09M	43.52M
Balance Sheet
Total Assets	5.27B	5.09B	3.74B	3.55B	3.37B
Cash, Cash Equivalents and Short-Term Investments	0.00	323.18M	441.59M	515.57M	554.83M
Total Debt	258.40M	155.58M	75.59M	148.49M	35.71M
Total Liabilities	4.75B	4.62B	3.40B	3.24B	3.03B
Stockholders Equity	519.85M	468.95M	340.42M	315.35M	340.13M
Cash Flow
Free Cash Flow	0.00	31.35M	27.33M	34.53M	35.89M
Operating Cash Flow	0.00	33.92M	33.25M	42.36M	40.77M
Investing Cash Flow	0.00	387.15M	-25.75M	-467.82M	-440.10M
Financing Cash Flow	0.00	-472.58M	142.00M	183.40M	451.07M

Peoples Financial Services Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 56.22
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For PFIS, the sentiment is Positive. The current price of 56.22 is above the 20-day moving average (MA) of 55.30, above the 50-day MA of 52.23, and above the 200-day MA of 49.45, indicating a bullish trend. The MACD of 1.11 indicates Positive momentum. The RSI at 60.10 is Neutral, neither overbought nor oversold. The STOCH value of 68.70 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for PFIS.

Peoples Financial Services Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
NRIM	81 Outperform	$541.44M	8.54	21.77%	2.31%	36.60%	92.63%
UNTY	80 Outperform	$522.50M	9.18	18.08%	1.08%	11.38%	36.10%
BHB	74 Outperform	$549.05M	14.24	7.45%	3.92%	4.26%	-16.52%
PGC	73 Outperform	$583.80M	15.83	5.50%	0.70%	9.16%	6.95%
PFIS	69 Neutral	$547.60M	9.32	10.83%	4.97%	39.98%	413.87%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
NFBK	60 Neutral	$558.38M	675.25	5.56%	4.38%	6.08%	52.64%

Peoples Financial Services Corporate Events

Peoples Financial Services Announces President Retirement and Transition

On January 30, 2026, Peoples Financial Services Corp. announced that President Thomas P. Tulaney will retire from his roles as President of the company and as President and Director of Peoples Security Bank and Trust Company, effective April 3, 2026, after more than 40 years in banking and just over a year in the president positions he assumed on January 1, 2025. The company highlighted Tulaney’s contributions to strengthening financial performance and shaping the bank’s brand, culture, and community presence, and said he is expected to remain with the organization as a Senior Advisor to support leadership transition and strategic initiatives, with CEO Gerard A. Champi anticipated to add the president title of both the holding company and the bank, signaling a consolidation of top leadership as the institution manages succession and continuity for stakeholders.

The most recent analyst rating on (PFIS) stock is a Hold with a $52.00 price target. To see the full list of analyst forecasts on Peoples Financial Services stock, see the PFIS Stock Forecast page.

Peoples Financial Services Repositions Securities Portfolio for Yield

On December 23, 2025, Peoples Financial Services Corp. completed a strategic repositioning of part of its investment securities portfolio by selling approximately $78.6 million of lower-yielding U.S. Treasury bonds, with a weighted average yield of 1.18% and 1.2 years of life, realizing an after-tax loss of about $1.85 million that will be recognized in the fourth quarter of 2025. The company reinvested roughly $76.1 million of net proceeds into higher-yielding available-for-sale securities, including about $38.2 million in U.S. agency mortgage-backed securities and $37.9 million in discounted tax-exempt municipal bonds, with an average book yield of 4.67% and 10.5-year duration, a move expected to boost securities portfolio interest income by approximately $2.8 million over the next 12 months and recover the realized loss in around 10 months, while leaving stockholders’ equity, book value per share, and regulatory capital ratios intact and well above well-capitalized thresholds.

The most recent analyst rating on (PFIS) stock is a Hold with a $50.00 price target. To see the full list of analyst forecasts on Peoples Financial Services stock, see the PFIS Stock Forecast page.

Peoples Financial Services Reports Q3 2025 Financial Results

In Q3 2025, Peoples Financial Services Corp. reported a net income of $15.2 million, or $1.51 per diluted share. The company completed its merger with FNCB on July 1, 2024, enhancing its scale, earnings diversification, and liquidity. The quarter also marked a transition to a new headquarters and a loss on pending sales of administrative properties. Total deposits stood at $4.3 billion, with a cost of deposits at 1.88%, while loans amounted to $4.0 billion. The company’s asset quality remained strong, with nonperforming assets at 0.33% of total assets and a tangible common equity to tangible assets ratio of 7.99%.

The most recent analyst rating on (PFIS) stock is a Hold with a $52.00 price target. To see the full list of analyst forecasts on Peoples Financial Services stock, see the PFIS Stock Forecast page.