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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 - $68.61
Previous CloseN/A
Volume3.62K
Average Volume (3M)25.89K
Market Cap
$659.22M
Enterprise Value$873.16M
Total Cash (Recent Filing)$59.48M
Total Debt (Recent Filing)$314.07M
Price to Earnings (P/E)11.3
Beta0.78
Next Earnings
Jul 16, 2026EPS Estimate
1.64Next 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 Cap1.32
Enterprise Value/Revenue3.06
Enterprise Value/Gross Profit4.57
Enterprise Value/Ebitda10.52
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)6.54
Revenue Forecast (FY)$208.65M
Bulls Say, Bears Say
Bulls Say
Improved Profitability And Revenue MomentumTTM net margin above ~20% and a sharp acceleration in TTM revenue signal meaningful improvement in core earnings power. For a regional bank, sustained higher margins and top-line momentum indicate stronger interest-earning asset performance and fee capture, supporting durable earnings generation over coming quarters.
Strong Asset Quality And LiquidityVery low nonperforming assets and a large deposit base with $3.2B available liquidity provide funding stability and loss-absorption capacity. These structural strengths reduce credit and funding vulnerability, supporting loan growth and capital preservation across typical 2–6 month business cycles.
Expanded Equity Incentive Plan To Support RetentionA broader equity incentive plan gives management and the board a durable tool to retain and motivate executives and key employees during integration and growth phases. Better alignment and retention support execution of strategic initiatives and reduce execution risk over the medium term.
Bears Say
Rising Leverage TrendAn upward trajectory in leverage increases funding and refinancing risk and narrows financial flexibility. For a regional bank, higher debt reliance can amplify margin and capital volatility during rate or credit swings, and it reduces capacity to absorb shocks without pressuring capital ratios and strategic options.
Weakening Cash Conversion And FCF MomentumA sharp drop in free cash flow growth and low operating-cash-to-profit coverage indicate weaker, less consistent cash conversion. That undermines the bank's ability to fund dividends, buybacks, loan growth, or absorb credit costs without relying more on external funding, a structural concern if the trend persists.
Earnings Volatility And Sustainability RiskLarge swings between a depressed 2024 margin and a strong TTM rebound suggest earnings include transitory items or are sensitive to one-off effects. Continued volatility complicates forecasting and risks that current margins and growth may normalize downward, affecting medium-term return predictability.
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 $68.61 in the past 12 months.
What is Peoples Financial Services Corp.’s market cap?
Peoples Financial Services Corp.’s market cap is $659.22M.
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 5 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 $0.625 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 1.64.
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 -0.438%.
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
6
7
8
9
10
Blogger Sentiment
Bullish
PFIS Sentiment 100%
Sector Average 67%
Sector Average 67%
Hedge Fund Trend
Increased
By 29.9K Shares
Last Quarter.
Last Quarter.
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. 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
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Ownership Overview
8.16% Insiders
9.86% Mutual Funds
0.74% Other Institutional Investors
67.36% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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