Peoples Financial Services Corp. (PFIS)
NASDAQ:PFIS
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Peoples Financial Services
(NASDAQ:PFIS)
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Rating:75Outperform
Price Target:
$68.00
â–²(16.34% Upside)
Action:Reiterated
Date:05/27/26
PFIS scores well primarily on improved profitability/revenue momentum and an attractive valuation (low P/E with a strong dividend). The main offsets are weaker recent cash-flow momentum/cash conversion and a rising leverage trend, while technicals remain supportive but somewhat extended near-term.
Positive Factors
Strong profitability and revenue momentum
TTM margins and revenue growth show material improvement in core earnings power, supporting internal capital generation and return on equity. Durable higher profitability increases capacity to fund growth, pay dividends, and absorb credit cycles versus prior weak years.
Negative Factors
Rising leverage trend
A sustained increase in leverage signals greater reliance on debt funding and higher financial risk. Over months this can constrain strategic flexibility, increase sensitivity to rate moves, and pressure credit metrics if earnings or asset quality weaken.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong profitability and revenue momentum
TTM margins and revenue growth show material improvement in core earnings power, supporting internal capital generation and return on equity. Durable higher profitability increases capacity to fund growth, pay dividends, and absorb credit cycles versus prior weak years.
Read all positive factors
Peoples Financial Services (PFIS) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$600.95M
Dividend Yield4.97%
Average Volume (3M)25.89K
Price to Earnings (P/E)10.1
Beta (1Y)0.81
Revenue Growth11.09%
EPS Growth175.21%
CountryUS
Employees511
SectorFinancial
Sector Strength70
IndustryBanks - Regional
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 Cap1.42
Enterprise Value/Revenue3.00
Enterprise Value/Gross Profit4.48
Enterprise Value/Ebitda11.01
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
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, ...
How the Company Makes Money
PFIS primarily makes money through (1) net interest income and (2) noninterest income. Net interest income is earned by collecting interest on interest-earning assets—mainly loans (commercial, real estate, and consumer) and investment securities—w...
Peoples Financial Services Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
70
Positive
Cash Flow
56
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 284.96M | 280.95M | 229.80M | 164.00M | 123.66M | 107.75M |
| Gross Profit | 190.98M | 187.12M | 115.19M | 100.34M | 108.52M | 96.58M |
| EBITDA | 77.74M | 72.23M | 15.70M | 36.00M | 49.40M | 57.16M |
| Net Income | 58.92M | 59.19M | 8.50M | 27.38M | 38.09M | 43.52M |
Balance Sheet | ||||||
| Total Assets | 5.42B | 5.27B | 5.09B | 3.74B | 3.55B | 3.37B |
| Cash, Cash Equivalents and Short-Term Investments | 59.48M | 259.66M | 323.18M | 441.59M | 515.57M | 554.83M |
| Total Debt | 314.07M | 258.40M | 155.58M | 75.59M | 148.49M | 35.71M |
| Total Liabilities | 4.90B | 4.75B | 4.62B | 3.40B | 3.24B | 3.03B |
| Stockholders Equity | 525.50M | 519.85M | 468.95M | 340.42M | 315.35M | 340.13M |
Cash Flow | ||||||
| Free Cash Flow | 41.25M | 43.34M | 31.35M | 27.33M | 34.53M | 35.89M |
| Operating Cash Flow | 53.50M | 54.27M | 33.92M | 33.25M | 42.36M | 40.77M |
| Investing Cash Flow | -145.36M | -24.44M | 387.15M | -25.75M | -467.82M | -440.10M |
| Financing Cash Flow | 343.37M | 103.30M | -472.58M | 142.00M | 183.40M | 451.07M |
Peoples Financial Services Technical Analysis
Positive
58.45
Price Trends
56.15
Positive
54.04
Positive
50.96
Positive
Market Momentum
0.87
Negative
61.76
Neutral
70.60
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 58.45 is above the 20-day moving average (MA) of 57.72, above the 50-day MA of 56.15, and above the 200-day MA of 50.96, indicating a bullish trend. The MACD of 0.87 indicates Negative momentum. The RSI at 61.76 is Neutral, neither overbought nor oversold. The STOCH value of 70.60 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for PFIS.
Peoples Financial Services Risk Analysis
Peoples Financial Services disclosed 1 risk factors in its most recent earnings report. Peoples Financial Services reported the most risks in the "Legal & Regulatory" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Peoples Financial Services Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
79 Outperform | $766.32M | 17.33 | 6.68% | 0.70% | 10.61% | 37.65% | |
79 Outperform | $564.80M | 9.22 | 17.87% | 1.08% | 15.59% | 39.40% | |
76 Outperform | $550.34M | 8.43 | 20.49% | 2.31% | 25.67% | 53.81% | |
75 Outperform | $600.95M | 10.09 | 11.50% | 4.97% | 11.09% | 175.21% | |
70 Outperform | $582.79M | 14.52 | 7.81% | 3.92% | 10.98% | -14.11% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
63 Neutral | $595.55M | 118.45 | 0.68% | 4.38% | 6.67% | -84.79% |
* Financial Sector Average
PFIS
Peoples Financial Services
59.41
13.50
29.41%
BHB
Bar Harbor Bankshares
34.94
7.00
25.08%
NFBK
Northfield Bancorp
14.18
3.00
26.86%
NRIM
Northrim Bancorp
24.71
2.41
10.82%
PGC
Peapack-Gladstone Financial
43.25
16.01
58.77%
UNTY
Unity Bancorp
55.86
12.19
27.91%
Peoples Financial Services Corporate Events
Business Operations and StrategyExecutive/Board ChangesShareholder Meetings
Peoples Financial Services Shareholders Expand Equity Incentive Plan
Positive
May 27, 2026
On May 22, 2026, shareholders of Peoples Financial Services Corp. approved an amendment to the 2023 Equity Incentive Plan, raising the total number of common shares available for issuance under the plan to 300,000, while leaving all other plan ter...
Business Operations and StrategyFinancial DisclosuresM&A Transactions
Peoples Financial Reports Solid First-Quarter 2026 Results
Positive
May 15, 2026
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 highligh...
Business Operations and StrategyExecutive/Board Changes
Peoples Financial Services Names Champi President Amid Transitions
Neutral
Apr 2, 2026
Peoples Financial Services Corp., the parent of Peoples Security Bank and Trust Company, appointed Gerard A. Champi as president of both entities effective April 3, 2026, following the previously announced retirement of Thomas P. Tulaney on the sa...
Business Operations and StrategyFinancial Disclosures
Peoples Financial unveils March 2026 strategic investor update
Positive
Mar 16, 2026
Peoples Financial Services Corp. reported fourth-quarter 2025 net income of $12.0 million, or $1.19 per diluted share, with a return on average assets of 0.92%, return on average tangible common equity of 11.5%, a 3.60% net interest margin and a 5...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.