Peoples Financial Services (PFIS) AI Stock Analysis

• Market Cap: $471.55M
• Dividend Yield: 5.15%
• Average Volume (3M): 36.39K
• Price to Earnings (P/E): 14.1
• Beta (1Y): 0.83
• Revenue Growth: 67.70%
• EPS Growth: 39.18%
• Country: US
• Employees: 511
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 1.69
• Shares Outstanding: 9,994,696
• 10 Day Avg. Volume: 21,990
• 30 Day Avg. Volume: 36,390
• PEG Ratio: -0.69
• Price to Book (P/B): 0.93
• Price to Sales (P/S): 1.90
• P/FCF Ratio: 13.93
• Enterprise Value/Market Cap: 1.50
• Enterprise Value/Revenue: 2.49
• Enterprise Value/Gross Profit: 4.30
• Enterprise Value/Ebitda: 14.82
• 1Y Price Target: $51.00
• Price Target Upside: 8.10% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1

• Rating: 69 Neutral
• Price Target: $52.00 ▲(10.22% Upside)

Peoples Financial Services scores well due to its solid financial performance and attractive valuation. The company's strong revenue growth and stable balance sheet are significant positives. However, technical indicators suggest a lack of strong momentum, which slightly tempers the overall score.

Peoples Financial Services Business Overview & Revenue Model

Company Description

Peoples Financial Services (PFIS) is a diversified financial services company that operates primarily in the banking and investment sectors. With a strong focus on providing personalized financial solutions, PFIS offers a range of products including personal and commercial banking services, investment management, and financial advisory services. The company aims to cater to both individual and business clients, ensuring a comprehensive suite of financial products to meet diverse needs.

How the Company Makes Money

PFIS generates revenue through multiple streams, including interest income from loans and mortgages, fees from account services, and commissions from investment transactions. The company earns interest income primarily by lending to consumers and businesses, which is a significant part of its revenue model. Additionally, PFIS collects service fees for account maintenance, ATM usage, and various financial advisory services. Investment management fees also contribute to earnings, as clients are charged for portfolio management and financial planning services. Strategic partnerships with other financial institutions and technology providers enhance PFIS's market reach and operational efficiency, further bolstering its revenue capabilities.

Peoples Financial Services Financial Statement Overview

Summary

Peoples Financial Services exhibits strong financial health with commendable profitability and cash flow performance. The income statement shows solid revenue growth despite a slight decline in net profit margin. The balance sheet is stable with low leverage, though the equity ratio suggests room for improvement in financial resilience. Cash flow metrics are impressive, highlighting efficient cash management and liquidity.

Income Statement

Peoples Financial Services shows a strong gross profit margin with consistent growth over the years. The latest TTM data reveals a gross profit margin of 103.11%, indicating high profitability. However, the net profit margin for TTM is 10.25%, which is a decline from previous years, suggesting increased expenses or other factors impacting net income. Revenue growth is positive, with a notable increase from 2024 to TTM, reflecting robust business expansion. EBIT margin is moderate at 18.31%, and EBITDA margin is healthy at 19.00%, underscoring efficient operational performance.

Balance Sheet

The balance sheet is stable with a debt-to-equity ratio of 0.21, indicating low leverage, which is positive for financial stability. Return on Equity (ROE) is strong at 4.16% for TTM, representing effective use of equity to generate profits. The equity ratio is 9.64%, showing a modest proportion of total assets financed by equity, which may raise concerns about financial resilience amidst economic fluctuations.

Cash Flow

Cash flow statements demonstrate robust free cash flow growth, with the TTM free cash flow significantly increasing from the previous year. The operating cash flow to net income ratio is favorable at 1.98, reflecting strong cash conversion capabilities. Free cash flow to net income ratio is 1.84, further evidencing efficient cash generation relative to net income. These metrics suggest excellent liquidity and operational efficiency.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	285.06M	229.80M	164.00M	123.66M	107.75M	110.77M
Gross Profit	164.93M	115.19M	100.34M	108.52M	96.58M	89.04M
EBITDA	47.80M	15.70M	36.00M	49.40M	57.16M	38.42M
Net Income	33.72M	8.50M	27.38M	38.09M	43.52M	29.35M
Balance Sheet
Total Assets	5.11B	5.09B	3.74B	3.55B	3.37B	2.88B
Cash, Cash Equivalents and Short-Term Investments	60.17M	323.18M	441.59M	515.57M	554.83M	341.10M
Total Debt	179.79M	155.58M	75.59M	148.49M	35.71M	97.77M
Total Liabilities	4.61B	4.62B	3.40B	3.24B	3.03B	2.57B
Stockholders Equity	494.10M	468.95M	340.42M	315.35M	340.13M	316.88M
Cash Flow
Free Cash Flow	44.07M	31.35M	27.33M	34.53M	35.89M	34.89M
Operating Cash Flow	51.92M	33.92M	33.25M	42.36M	40.77M	37.18M
Investing Cash Flow	431.09M	387.15M	-25.75M	-467.82M	-440.10M	-201.24M
Financing Cash Flow	-357.23M	-472.58M	142.00M	183.40M	451.07M	361.10M

Peoples Financial Services Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 47.18
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Negative
• 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 47.18 is below the 20-day moving average (MA) of 47.52, below the 50-day MA of 50.03, and below the 200-day MA of 47.79, indicating a neutral trend. The MACD of -0.90 indicates Negative momentum. The RSI at 48.43 is Neutral, neither overbought nor oversold. The STOCH value of 76.43 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
UNTY	73 Outperform	$485.90M	9.17	17.46%	1.16%	11.38%	36.10%
BHB	71 Outperform	$492.31M	12.74	7.37%	4.20%	4.26%	-16.52%
NRIM	70 Outperform	$463.02M	10.47	16.69%	5.36%	27.34%	39.43%
PFIS	69 Neutral	$471.55M	14.09	8.08%	5.15%	67.70%	39.18%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
PGC	64 Neutral	$464.68M	14.45	5.31%	0.71%	7.35%	-2.65%
NFBK	63 Neutral	$444.86M	12.32	5.02%	4.68%	7.66%	28.75%

Peoples Financial Services Corporate Events

Peoples Financial Services Adopts New Severance Plan

On August 29, 2025, Peoples Financial Services Corp. announced the adoption of a Severance and Change in Control Plan for its CEO and leadership team, effective September 2, 2025. The plan provides severance benefits under specific conditions for executives experiencing a qualifying termination, aiming to offer financial security and continuity in leadership during organizational changes or a change in control.

The most recent analyst rating on (PFIS) stock is a Buy 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.

Peoples Financial Services Reports Strong Q2 2025 Results

Peoples Financial Services Corp. reported strong financial results for Q2 2025, with a net income of $17 million and a net interest margin of 3.69%. The company completed its merger with FNCB in July 2024, enhancing its scale and liquidity. The company’s total deposits stood at $4.3 billion, and it completed a private placement of $85 million in subordinated notes to strengthen capital ratios.

The most recent analyst rating on (PFIS) stock is a Buy with a $55.00 price target. To see the full list of analyst forecasts on Peoples Financial Services stock, see the PFIS Stock Forecast page.

Peoples Financial Services Corp. Reports Strong Q2 2025 Earnings

Peoples Financial Services Corp. is a bank holding company for Peoples Security Bank and Trust Company, operating in the financial services sector with a focus on community banking across Pennsylvania, New Jersey, and New York. The company provides a wide range of financial products and services to individuals, businesses, and government entities.