Peoples Financial Services Corp. (PFIS)

NASDAQ: PFIS · USD

$70.5

-0.47 (-0.7%)· Recorded snapshot

Market cap	705.7M
Revenue (ttm)	190.7M
Net income (ttm)	56.8M
EPS (ttm)	$5.65
Shares out	10M
P/E (trailing)	12.5x
P/E (forward)	10.2x
Dividend	$2.50 (3.56%)
Volume	54,657
Beta	0.73

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 190.7M
Net income (ttm): 56.8M
EPS (ttm): $5.65
P/E (trailing): 12.5x
P/E (forward): 10.2x
Market cap: 705.7M

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
ACGL	Arch Capital Group Ltd.	34.8B	8.3x	1.8x	15.9%	+15.1%	+18.7%	적극 매수
AIG	American International Group Inc.	41.7B	14.7x	1.6x	7.7%	-9.6%	+2.8%	적극 매수
AIZ	Assurant, Inc.	14.1B	13.6x	1.0x	14.4%	+6.6%	+36.2%	보유

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-28 19:55 UTC

Forward P/E10.2

P25 8.7P50 10.4P75 12.8

Trailing P/E12.5

P25 10.7P50 13.5P75 31.8

ROE11

P25 4.9P50 11P75 15.4

ROICn/a

P25 -0.7P50 6.7P75 12.6

Benchmarks · 1M

All PFIS indicators

Market & fundamental data

Available fields

244

Groups with data

Currency

USD

Showing 244 of 244 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Amount currency	USD
CIK code	0001056943
Company name	Peoples Financial Services Corp.
Country	United States
Country code	US
CUSIP number	711040105
Earnings date	2026-11-10
Earnings time	amc
Employees	583
Employees change	45
Employees growth	8.36%
Enterprise value	$780.6M
Exchange	NASDAQ
Financial currency	USD
Financial report date	2026-06-30
First seen	2026-05-09
Fiscal year end	December
Founded	1905
In index	RUSSELL2000
Industry	Banks - Regional
Is primary listing	Yes
Is SPAC	No
ISIN number	US7110401053
Last 10-K release date	2026-03-16
Last earnings date	2026-07-30
Last refreshed	2026-10-28
Last stock split type	Never
Market cap	$705.7M
Market cap category	Small-Cap
Next earnings date	2026-11-10
Options	No
Price	$70.50
Price currency	USD
Sector	Financials
SIC code	6021
Stock price date	2026-10-28
Symbol	PFIS
U.S. state	Pennsylvania
Website	https://www.psbt.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Adjusted P/E ratio	12.2x
Average P/E ratio (10Y)	15.31x
Average P/E ratio (3Y)	22.12x
Average P/E ratio (5Y)	16.76x
Earnings yield	8.01%
EV/Earnings	13.87x
EV/FCF	17.54x
EV/Sales	4.13x
FCF / EV yield	5.7%
FCF yield	6.3%
Forward EV/Sales	3.62x
Forward P/E	10.17x
Forward P/S	3.27x
Graham number	82.51701
Graham upside	15.89%
Industry forward P/E	10.04x
Industry P/E	11.85x
Lynch fair value	$59.16
Lynch upside	-16.9%
P/B ratio	1.32x
P/E ratio	12.48x
P/FCF ratio	15.87x
P/OCF ratio	13.33x
P/S ratio	3.74x
Price / tangible book value	1.64x
Sector forward P/E	13.63x
Sector P/E	15.65x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
Effective tax rate	19.47%
FCF margin	23.55%
Operating margin	42.86%
Pretax margin	36.97%
Profit margin	29.77%
Profit per employee	$97,383
Profitable quarters	7
Profitable years	15
Revenue per employee	$327,127
ROA	1.08%
ROA (5Y)	0.92%
ROE	11.02%
ROE (5Y)	9.46%
SBC / revenue	0.63%
Tax / revenue	7.2%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
EPS growth	68.48%
EPS growth (Q)	-11.97%
EPS growth (QoQ)	0.61%
EPS growth 10Y	8.86%
EPS growth 3Y	4.02%
EPS growth 5Y	3.52%
EPS growth years	1
FCF growth	0.09%
FCF growth (Q)	43.03%
FCF growth (QoQ)	87.51%
FCF growth 3Y	12.25%
FCF growth 5Y	9.42%
Net income growth	68.39%
Net income growth (Q)	-12.69%
Net income growth (QoQ)	0.39%
Net income growth 3Y	16.28%
Net income growth 5Y	10.47%
Net income growth years	1
OCF growth	1.42%
OCF growth (Q)	-0.19%
OCF growth (QoQ)	67.14%
OCF growth 10Y	5.19%
OCF growth 3Y	9.1%
OCF growth 5Y	11.86%
Revenue growth	15.16%
Revenue growth (Q)	0.72%
Revenue growth (QoQ)	1.35%
Revenue growth 10Y	10.52%
Revenue growth 3Y	20.49%
Revenue growth 5Y	14.8%
Revenue growth quarters	8
Revenue growth years	2

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	$-8.6M
EPS	$5.65
FCF per share	$4.49
Financing cash flow	$255.6M
Free cash flow	$44.9M
Gross profit	$190.7M
Income taxes	$13.7M
Investing cash flow	$-228.5M
Net borrowing	$59.6M
Net cash flow	$80.5M
Net income	$56.8M
Operating income	$81.7M
Revenue	$190.7M
Stock-based compensation	$1.2M

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Book value per share	$53.56
Debt / equity	0.64
Debt / FCF	7.69
Goodwill	$76M
Net cash (debt)	$-74.9M
Net cash / market cap	-10.51%
Net debt / equity	0.14
Net debt / FCF	1.67
Piotroski F-Score	3
Property, plant and equipment	$79.5M
Shareholders' equity	$536.2M
Tangible book value	$435.6M
Tangible book value per share	$43.51
Total assets	$5.4B
Total cash	$270.6M
Total debt	$345.5M
Total liabilities	$4.9B
WACC	5.58%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working capital	$-4.4B

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback yield / dilution	0.04%
Dividend growth	1.21%
Dividend growth (10Y)	7.26%
Dividend growth (3Y)	15.09%
Dividend growth (5Y)	10.76%
Dividend growth years	9
Dividend payment date	2026-12-15
Dividend payment years	25
Dividend payout frequency	Quarterly
Dividend per share	$2.50
Dividend yield	3.57%
Ex-dividend date	2026-11-30
FCF payout ratio	55.72%
Last dividend	$0.63
Payout ratio	44.25%
Shareholder yield	3.56%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y price change	74.1%
10Y return CAGR	9.56%
10Y total return	149.1%
150-day SMA	$64.86
1D price change	-0.66%
1M price change	0.57%
1M total return	0.57%
1W price change	1.5%
1W total return	1.5%
1Y price change	46.85%
1Y return CAGR	53.38%
1Y total return	53.34%
20-day SMA	$69.02
200-day SMA	$61.97
3M price change	-0.08%
3M total return	0.83%
3Y price change	79.21%
3Y return CAGR	27.03%
3Y total return	105.01%
50-day SMA	$69.70
50-day SMA vs 200-day SMA	50over200
52-week high	$73.37
52-week high date	2026-07-29
52-week low	$43.64
52-week low date	2025-10-31
5Y price change	53.43%
5Y return CAGR	13.4%
5Y total return	87.5%
6M price change	22.23%
6M total return	24.63%
All-time high	$73.37
All-time high date	2026-07-29
All-time low	$29.01
All-time low date	2020-04-16
Average true range (ATR)	$1.59
Average volume	55.3K
Beta (1Y)	-0.02
Beta (2Y)	0.6
Beta (5Y)	0.73
Change from 52-week high	-3.91%
Change from 52-week low	61.55%
Change from all-time high	-4.33%
Change from all-time low	141.97%
Change from open	-1.61%
Day's gap	0.96%
Dollar volume	$3.9M
High price	$71.65
Low price	$70.50
Monthly RSI	69.45
Open price	$71.65
Position in 52-week range	0%
Premarket change	-0.58%
Premarket close	$70.97
Premarket price	$70.56
Premarket volume	162
Previous close	$70.97
Price vs 150-day SMA	8.22%
Price vs 20-day SMA	1.7%
Price vs 200-day SMA	13.28%
Price vs 50-day SMA	0.71%
Relative volume	0.99
RSI	53.87
Sharpe ratio	1.72
Sharpe ratio (3Y)	0.76
Sharpe ratio (5Y)	0.43
Sortino ratio	2.83
Sortino ratio (3Y)	1.32
Sortino ratio (5Y)	0.82
Volume	54.7K
Weekly RSI	62.38
YTD price change	44.11%
YTD total return	48.6%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	9.2M
Float percentage	91.56%
Shares change (QoQ)	0.07%
Shares change (YoY)	-0.04%
Shares held by insiders	8.36%
Shares held by institutions	36.14%
Shares outstanding	10M
Short % of float	4.14%
Short % of shares	3.79%
Short ratio	6.6 days

Deeper analysis on PFIS

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

→

Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

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Sensitivity

Cost-of-equity and terminal-growth stress table.

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Risks

Kill scenarios, soft-pass flags, and downside catalysts.

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Earnings

Next earnings setup and beat / inline / miss thresholds.

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Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

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Financials

Revenue, margins, cash flow, and balance-sheet context.

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Peers

Relative valuation and profitability against the cohort.

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Moat

Economic-profit evidence and competitive advantage risk.

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Industry cycle

Sector phase, capital cycle, and secular tailwinds.

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Frequently asked questions

About this PFIS report

Is a complete PFIS research report available?

No complete published report is available for Peoples Financial Services Corp. (PFIS) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

Peoples Financial Services Corp. (PFIS)

Price

Financial snapshot

Fair-value bridge

Latest news · PFIS

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All PFIS indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on PFIS

Frequently asked questions