Want to see PFIS full AI Analyst Report?
Top Page
Peoples Financial Services
(NASDAQ:PFIS)
Select Model
Select Model
Rating:75Outperform
Price Target:
$80.00
â–²(15.21% Upside)
Action:Reiterated
Date:08/20/26
The score is driven primarily by improving financial performance (recovered profitability and strong revenue momentum) tempered by cyclicality and cash-flow-to-debt variability. Technicals add support via a clear uptrend and positive momentum, while valuation is favorable with a reasonable P/E and solid dividend yield. Corporate updates reinforce operating strength and asset quality.
Positive Factors
Revenue and Profit Recovery
Strong revenue momentum and restored profitability indicate improved earnings capacity after the 2024 downturn. Sustained margins near 20% provide a meaningful base for capital generation, although future performance remains tied to banking-cycle conditions.
Negative Factors
Cyclical Earnings Volatility
The sharp earnings reset in 2024 demonstrates sensitivity to interest-rate and credit cycles. Even with recovery, profits may remain uneven if funding costs rise, loan demand weakens, or credit conditions deteriorate.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue and Profit Recovery
Strong revenue momentum and restored profitability indicate improved earnings capacity after the 2024 downturn. Sustained margins near 20% provide a meaningful base for capital generation, although future performance remains tied to banking-cycle conditions.
Read all positive factors
Peoples Financial Services (PFIS) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$699.42M
Dividend Yield3.56%
Average Volume (3M)25.89K
Price to Earnings (P/E)12.3
Beta (1Y)0.72
Revenue Growth0.41%
EPS Growth68.29%
CountryUS
Employees547
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)5.68
Shares Outstanding10,010,367
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)6.51
Revenue Forecast (FY)$210.20M
Peoples Financial Services Business Overview & Revenue Model
Company Description
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 (in...
How the Company Makes Money
PFIS primarily makes money through traditional banking spread and fee-based revenues generated by its bank subsidiary. Its largest earnings driver is typically net interest income: the company collects interest on earning assets (such as commercia...
Peoples Financial Services Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
71
Positive
Cash Flow
63
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 287.66M | 280.95M | 229.80M | 164.00M | 123.66M | 107.75M |
| Gross Profit | 191.33M | 187.12M | 115.19M | 100.34M | 108.52M | 96.58M |
| EBITDA | 78.30M | 82.86M | 15.70M | 36.00M | 49.40M | 57.16M |
| Net Income | 56.77M | 59.19M | 8.50M | 27.38M | 38.09M | 43.52M |
Balance Sheet | ||||||
| Total Assets | 5.44B | 5.27B | 5.09B | 3.74B | 3.55B | 3.37B |
| Cash, Cash Equivalents and Short-Term Investments | 74.93M | 259.66M | 323.18M | 441.59M | 515.57M | 554.83M |
| Total Debt | 239.80M | 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 | 536.18M | 519.85M | 468.95M | 340.42M | 315.35M | 340.13M |
Cash Flow | ||||||
| Free Cash Flow | 44.91M | 43.34M | 31.35M | 27.33M | 34.53M | 35.89M |
| Operating Cash Flow | 53.47M | 54.27M | 33.92M | 33.25M | 42.36M | 40.77M |
| Investing Cash Flow | -228.54M | -24.44M | 387.15M | -25.75M | -467.82M | -440.10M |
| Financing Cash Flow | 255.58M | 103.30M | -472.58M | 142.00M | 183.40M | 451.07M |
Peoples Financial Services Technical Analysis
Neutral
69.44
Price Trends
68.43
Positive
63.21
Positive
56.85
Positive
Market Momentum
0.48
Positive
50.33
Neutral
34.50
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For PFIS, the sentiment is Neutral. The current price of 69.44 is below the 20-day moving average (MA) of 70.72, above the 50-day MA of 68.43, and above the 200-day MA of 56.85, indicating a neutral trend. The MACD of 0.48 indicates Positive momentum. The RSI at 50.33 is Neutral, neither overbought nor oversold. The STOCH value of 34.50 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral 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 |
|---|---|---|---|---|---|---|---|
82 Outperform | $568.24M | 8.27 | 20.68% | 2.36% | 18.07% | 52.19% | |
77 Outperform | $660.42M | 13.24 | 9.22% | 3.33% | 18.94% | 14.83% | |
75 Outperform | $699.42M | 12.31 | 10.86% | 3.58% | 0.41% | 68.29% | |
71 Outperform | $588.70M | 9.97 | 16.64% | 1.07% | 10.15% | 16.03% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $800.42M | 15.42 | 7.65% | 0.43% | 10.63% | 59.91% |
* Financial Sector Average
PFIS
Peoples Financial Services
69.90
18.62
36.31%
BHB
Bar Harbor Bankshares
39.31
8.21
26.41%
NRIM
Northrim Bancorp
25.63
2.50
10.80%
PGC
Peapack-Gladstone Financial
45.18
16.55
57.82%
UNTY
Unity Bancorp
58.33
6.49
12.51%
Peoples Financial Services Corporate Events
Business Operations and StrategyFinancial DisclosuresM&A Transactions
Peoples Financial Services Posts Strong Second-Quarter Earnings
Positive
Aug 19, 2026
In its August 2026 second-quarter investor presentation, Peoples Financial Services reported net income of $14.8 million, or $1.48 per diluted share, for the three months ended June 30, 2026, with a return on average assets of 1.13 percent and a n...
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...
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.