Peoples Financial Services (PFIS) AI Stock Analysis

• Market Cap: $482.78M
• Dividend Yield: 5.11%
• Average Volume (3M): 19.79K
• Price to Earnings (P/E): 22.7
• Beta (1Y): 0.80
• Revenue Growth: 51.62%
• EPS Growth: -34.65%
• Country: US
• Employees: 511
• Sector: Financial
• Sector Strength: 83
• Industry: Banks - Regional
• EPS (TTM): 1.51
• Shares Outstanding: 9,995,482
• 10 Day Avg. Volume: 16,012
• 30 Day Avg. Volume: 19,789
• PEG Ratio: 0.27
• Price to Book (P/B): 0.99
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 15.19
• Enterprise Value/Market Cap: 1.08
• Enterprise Value/Revenue: 0.82
• Enterprise Value/Gross Profit: 2.57
• Enterprise Value/Ebitda: 7.19
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 73 Outperform
• Price Target: $54.00 ▲(11.80%Upside)

Peoples Financial Services demonstrates strong financial performance with impressive cash flow and stable balance sheets. Technical indicators suggest moderate bullish momentum, while corporate events highlight robust quarterly results. Although the stock may be overvalued based on its P/E ratio, the attractive dividend yield provides a counterbalance. Overall, the company is well-positioned for future stability and growth.

Peoples Financial Services Business Overview & Revenue Model

Company Description

Peoples Financial Services Corp. (PFIS) is a bank holding company based in the United States, primarily engaged in providing a range of financial services through its subsidiary, Peoples Security Bank and Trust Company. Operating primarily in northeastern Pennsylvania, PFIS offers a variety of banking products and services, including personal and business banking, loans, mortgages, wealth management, and investment services. The company focuses on delivering community-oriented financial solutions to meet the needs of individuals, small businesses, and larger commercial clients within its service area.

How the Company Makes Money

Peoples Financial Services Corp. generates revenue primarily through interest income from its loan portfolio, which includes personal, business, and real estate loans. Additionally, the company earns income from non-interest sources such as service charges on deposit accounts, fees from wealth management and investment advisory services, and transaction fees. PFIS also benefits from its investment securities portfolio, contributing to its overall earnings. The company's partnerships with financial service providers and its strategic focus on community banking enable it to maintain a diversified revenue stream, ensuring consistent financial performance.

Peoples Financial Services Financial Statement Overview

Summary

Peoples Financial Services shows strong revenue growth and a solid equity base, indicating overall financial health. However, declining profit margins and cash flow volatility need attention to ensure long-term stability.

Income Statement

Peoples Financial Services has shown consistent revenue growth over the past few years, with a notable increase in total revenue between 2022 and 2023. However, the net profit margin has decreased significantly in 2024, indicating challenges in maintaining profitability despite revenue growth. This may be due to increased costs or other financial pressures impacting the net income.

Balance Sheet

The company maintains a strong equity position with an increasing stockholders' equity and a low debt-to-equity ratio, indicating financial stability. However, the decreasing equity ratio suggests increasing liabilities relative to assets, which may pose a risk if leverage continues to rise.

Cash Flow

Cash flow from operations has been positive, but the free cash flow has fluctuated over the years. The lack of operating cash flow in the latest year is concerning, and the company needs to stabilize its cash generation to support future growth and financial obligations.

Breakdown
Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
134.32M	163.61M	108.07M	98.12M	96.44M
	Gross Profit
134.32M	163.61M	108.07M	98.12M	96.44M
	EBIT
-111.17M	35.94M	64.62M	52.91M	34.17M
	EBITDA
0.00	36.00M	49.40M	57.16M	38.42M
	Net Income Common Stockholders
8.50M	27.38M	38.09M	43.52M	29.35M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
267.56M	187.37M	515.57M	554.83M	341.10M
	Total Assets
5.09B	3.74B	3.55B	3.37B	2.88B
	Total Debt
105.52M	75.59M	148.49M	35.71M	97.77M
	Net Debt
105.52M	32.92M	110.62M	-1.80M	52.58M
	Total Liabilities
4.62B	3.40B	3.24B	3.03B	2.57B
	Stockholders Equity
468.95M	340.42M	315.35M	340.13M	316.88M
Cash Flow		Free Cash Flow
31.35M	27.33M	34.53M	35.89M	34.89M
	Operating Cash Flow
33.92M	33.25M	42.36M	40.77M	37.18M
	Investing Cash Flow
387.15M	-25.75M	-467.82M	-440.10M	-201.24M
	Financing Cash Flow
-472.58M	142.00M	183.40M	451.07M	361.10M

Peoples Financial Services Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 48.30
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

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 48.3 is below the 20-day moving average (MA) of 48.43, above the 50-day MA of 44.99, and above the 200-day MA of 47.12, indicating a neutral trend. The MACD of 0.78 indicates Positive momentum. The RSI at 50.80 is Neutral, neither overbought nor oversold. The STOCH value of 18.72 is Positive, 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
ACNB	74 Outperform	$435.50M	14.30	7.44%	3.13%	22.17%	-15.57%
PFIS	73 Outperform	$482.78M	22.71	4.88%	5.11%	51.62%	-34.65%
NFBK	71 Outperform	$499.58M	15.28	4.48%	4.44%	10.00%	2.81%
GNTY	71 Outperform	$467.02M	14.12	10.62%	2.35%	0.13%	19.68%
ALRS	71 Outperform	$529.38M	17.26	6.27%	3.79%	40.06%	145.33%
AROW	67 Neutral	$425.72M	15.05	7.25%	4.35%	11.46%	-1.07%
Sector *	64 Neutral	$12.80B	9.71	7.59%	16985.66%	12.07%	-7.53%

Peoples Financial Services Corporate Events

Peoples Financial Services Updates Bylaws for Leadership Roles

On May 30, 2025, Peoples Financial Services Corp. announced that its board of directors approved amendments to the company’s bylaws. These changes clarify the roles of Chief Executive Officer and President, allowing different individuals to hold these positions, and specify their roles in the Executive Committee, particularly regarding voting rights and quorum requirements.

Peoples Financial Services Reports Strong Q1 2025 Results

In Q1 2025, Peoples Financial Services Corp. reported a net income of $15.0 million, with a return on average assets of 1.22% and a net interest margin of 3.50%. The company maintained a strong deposit base of $4.32 billion and a loan-to-deposit ratio of 92.5%. Asset quality remained robust with nonperforming assets at 0.47% of total assets. The company also reported a tangible common equity to tangible assets ratio of 7.63% and a tangible book value per share of $37.35, reflecting its solid capital and liquidity position.

Peoples Financial Services Announces Notes Redemption

On May 29, 2025, Peoples Financial Services Corp. announced the voluntary redemption of all $33,000,000 in principal amount of its 5.375% Fixed to Floating Subordinated Notes due 2030. The redemption, set for June 30, 2025, will result in no outstanding principal amount related to these notes, impacting the company’s financial obligations.

Peoples Financial Services Holds Annual Shareholders Meeting

On May 9, 2025, Peoples Financial Services Corp. held its annual shareholders meeting where key decisions were made regarding the company’s governance and operations. Shareholders elected five directors to serve until 2028, approved executive compensation, and ratified Baker Tilly US, LLP as the independent accounting firm for 2025. However, a proposal to amend the bylaws to limit the personal liability of directors and officers was not approved.

The most recent analyst rating on (PFIS) stock is a Hold with a $47.00 price target. To see the full list of analyst forecasts on Peoples Financial Services stock, see the PFIS Stock Forecast page.

Peoples Financial Appoints New Chief Accounting Officer

On March 28, 2025, Peoples Financial Services Corp. announced the appointment of Stephanie A. Westington as Senior Vice President and Chief Accounting Officer, effective April 1, 2025. This change follows the cessation of John R. Anderson, III’s role and the temporary assumption by James M. Bone, Jr. The appointment is part of the company’s ongoing leadership restructuring following its merger with FNCB Bancorp., Inc. on July 1, 2024, and reflects Ms. Westington’s extensive experience in financial roles within the banking sector.