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Peoples Financial Services Corp. PFIS R2K

Financial Services · Banks - Regional · United States
https://www.psbt.com
Company Profile ↓
$67.74
+36.15% 1Y
Mkt Cap$678.14M
P/E11.56
P/B1.28
Div. Yield3.73%
52W High$68.03
52W Low$43.04
Book Value$52.49
EPS (TTM)$5.86

Company Overview

Peoples Financial Services Corp. operates as the bank holding company for Peoples Security Bank and Trust Company that provides commercial and retail banking services in Pennsylvania, New Jersey and New York. The company accepts deposits through money market, negotiable order of withdrawal, savings, individual retirement, demand deposit, and certificates of deposit accounts. It also provides residential real estate, automobile, manufactured housing, personal, and home equity loans; and commercial real estate and working capital, as well as loans for equipment and other commercial needs. In addition, the company offers fiduciary and investment services, including investment management, IRA trustee, estate administration, living and life insurance trust, trustee under will, guardianship, custodial/IRA custodial, and corporate trust services, as well as pension and profit-sharing plans. Further, it provides wealth management products and services comprising investment portfolio management, estate and business succession planning, annuities, insurance, retirement plan, and tax planning, as well as education funding strategies; and securities, brokerage, and investor services. Additionally, the company offers remote deposit capture, automatic clearing house transaction, cash management, automated teller machine, point of sale transaction, safe deposit box, night depository, direct deposit, and official check services. It serves business, non-profit, governmental, municipal agency, and professional customers, as well as retail customers. The company was founded in 1905 and is headquartered in Moosic, Pennsylvania.

Why Investors Should Care

Consistent Profit Growth

Net profit has compounded at 16.6% per year over the last five years.

Reasonable Valuation

Trades at a P/E of 11.6, below the sector median of 13.5.

Healthy Margins

Maintains a net profit margin of 31.0%.

Dividend Income

Offers a dividend yield of 3.73%.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Trailing 12 Months Year-on-year growth — revenue +6.1%, earnings -1.3%.
  • 5-Year Trend Long-term compounding — profit CAGR 16.6%.

Growth & Price Performance

Compounded Sales Growth

5 Years:-
1 Year:6.10%

Compounded Profit Growth

5 Years:16.63%
1 Year:-1.30%

Stock Price Performance

1 Year:+36.15%
6 Months:+40.72%
3 Months:+18.04%
1 Month:+6.64%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 99% of range
$43.04 $68.03
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)66.21 · Neutral
Price Performance
1M+6.64%
3M+18.04%
6M+40.72%
1Y+36.15%
Valuation vs Sector

P/E of 11.56 is below the sector median of 13.52 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 31.0%.
  • Profit CAGR of 16.6% over 5 years.
  • Attractive dividend yield of 3.73%.
  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
11.56
Industry PE
13.52
Forward P/E
9.27
PEG Ratio
1.31
Book Value
$52.49
Price to Book
1.28
P/S
3.54
EV/EBITDA
-
Dividend Yield
3.73%

Growth (CAGR)

Revenue 5Y
-
Profit 5Y
16.63%
Revenue (YoY)
6.10%
Earnings (YoY)
-1.30%

Profitability & Returns

ROCE
-
ROE
11.70%
ROA
1.13%
Profit Margin
30.95%
Op Margin
42.97%
Gross Margin
0.00%
EPS (Latest Qtr)
$1.47
EPS (TTM)
$5.86

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
$419.62M
Total Assets
$5.42B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
8.11%
Chg in Prom Hold
-0.00%
FII / Inst Holding
32.32%
Chg in FII Hold
0.01%

Financial Snapshot

Enterprise Value
$678.14M
Total Revenue (TTM)
$190.36M
EBITDA
-
Free Cash Flow
$43.34M
Operating Cash Flow
$53.50M
Shares Outstanding
10.01M
Gross Margin
0.00%
Payout Ratio
42.28%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 PFIS Peoples Financial Services Corp. R2K 67.74 11.56 $678.14M 3.73% - 11.70% - 16.63%
2 JPM JPMorgan Chase & Co. SPX 346.91 16.61 $929.55B 1.87% - 16.47% 5.35% 7.56%
3 BRK-B Berkshire Hathaway Inc. SPX 488.35 14.54 $682.86B 0.00% - 10.50% 4.18% 9.44%
4 V Visa Inc. SPX 355.14 30.99 $589.43B 0.75% 37.15% 60.35% 14.33% 13.04%
5 MA Mastercard Incorporated SPX 535.21 30.99 $469.40B 0.65% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPX 61.59 15.28 $432.24B 1.88% - 10.64% 6.00% 3.49%
7 MS Morgan Stanley SPX 228.55 20.70 $360.49B 1.76% - 16.39% 3.76% 9.66%
8 GS The Goldman Sachs Group, Inc. SPX 1,152.07 17.79 $339.87B 1.58% - 16.95% - 2.21%
9 WFC Wells Fargo & Company SPX 87.51 13.53 $267.80B 2.11% - 12.03% 4.02% 15.98%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Mar 2015Jun 2015Sep 2015Dec 2015Mar 2016Jun 2016Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020Sep 2020Dec 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Mar 2025Jun 2025Sep 2025Mar 2026
Net Income 5.04M4.43M4.41M3.84M4.88M4.86M5.12M4.73M4.80M5.66M5.35M2.65M5.85M5.96M6.72M6.39M6.41M7.14M7.15M5.03M5.28M7.58M8.31M8.19M9.48M8.53M9.10M9.63M9.35M9.97M7.58M9.43M6.75M3.47M3.28M-4.34M15.01M16.96M15.25M14.75M
Diluted EPS 0.670.590.58-0.660.660.69-0.650.760.72-0.790.810.91-0.870.960.960.681.741.031.141.131.311.181.261.331.301.381.051.310.950.490.46-0.431.491.681.511.47

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Net Income 5.05M6.49M10.53M10.59M5.72M17.65M17.72M19.58M18.46M24.92M25.74M29.35M43.52M38.09M27.38M8.50M59.19M
Diluted EPS 1.612.062.362.371.212.342.362.652.503.373.474.006.025.283.830.995.88

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets --558.59M621.40M918.04M1.69B1.74B1.82B2.00B2.17B2.29B2.48B2.88B3.37B3.55B3.74B5.09B5.27B
Total Equity 39.72M44.97M120.47M127.33M132.45M238.79M246.78M248.77M256.62M264.98M278.61M299.01M316.88M340.13M315.35M340.42M468.95M519.85M
Cash & Equivalents 18.53M18.91M14.22M34.48M47.84M51.31M31.43M32.92M39.94M37.49M--------
Long Term Debt --27.34M18.93M45.40M36.74M33.14M60.35M58.13M49.73M37.91M32.73M------
Total Liabilities --508.07M561.79M785.60M1.45B1.49B1.57B1.74B1.90B2.01B2.18B2.57B3.03B3.24B3.40B4.62B4.75B

Cash Flows (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 4.17M11.21M13.94M12.60M9.81M-29.18M28.05M28.59M32.63M37.08M37.18M40.77M42.36M33.25M34.73M54.27M
Investing Cash Flow -41.32M-45.49M11.20M19.66M-14.92M--89.42M-186.36M-184.56M-134.81M-184.72M-201.24M-440.10M-467.82M-25.75M386.35M-24.44M
Financing Cash Flow 37.54M33.20M-4.87M-18.90M8.57M-61.73M165.33M153.52M97.31M146.18M361.10M451.07M183.40M142.00M-472.58M103.30M
Capital Expenditure -658.00K-1.45M-739.00K-2.90M-614.00K-1.07M-4.42M-6.76M-6.25M-4.07M-5.60M-2.29M-4.88M-7.83M-5.92M-2.58M-10.93M
Free Cash Flow 3.51M9.76M13.20M9.71M9.20M-24.76M21.29M22.35M28.56M31.48M34.89M35.89M34.53M27.33M32.15M43.34M
Share Buybacks --835.00K--70.00K-----------
Dividends Paid 2.38M2.48M5.50M5.50M5.51M9.36M9.32M9.17M9.32M--------

Ratios (Annual)

Figures in %.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % -----------------
Operating Margin % -----------------
Net Margin % -----------------
ROE % 11.2%5.4%8.3%8.0%2.4%7.2%7.1%7.6%7.0%8.9%8.6%9.3%12.8%12.1%8.0%1.8%11.4%
ROCE % -----------------

Shareholding Pattern

Insiders
8.11%
Institutions
32.32%
Public Float
35.17%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 6.34% 634.70K $42.73M
2 Vanguard Capital Management LLC 3.92% 392.03K $26.39M
3 Dimensional Fund Advisors LP 3.16% 316.62K $21.32M
4 Geode Capital Management, LLC 2.35% 235.37K $15.85M
5 State Street Corporation 2.00% 200.44K $13.49M
6 American Century Companies Inc 1.19% 119.03K $8.01M
7 Peoples Financial Services Corp 0.91% 91.04K $6.13M
8 Bridgeway Capital Management, LLC 0.79% 78.71K $5.30M
9 Northern Trust Corporation 0.74% 74.17K $4.99M
10 Vanguard Fiduciary Trust Co 0.61% 61.18K $4.12M

Analyst View

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Latest News

Recent headlines for PFIS

Google News ue, 30 Jun 2026

PEOPLES FINANCIAL (PFIS) grants 715 RSUs to lending EVP - Stock Titan

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Google News Wed, 08 Jul 2026

PFIS | Peoples Financial Services Corp. Insider Trading - Quiver Quantitative

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Google News hu, 09 Jul 2026

Discipline and Rules-Based Execution in PFIS Response - Stock Traders Daily

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Google News Mon, 27 Apr 2026

Should You Be Adding Peoples Financial Services (NASDAQ:PFIS) To Your Watchlist Today? - Yahoo Finance

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Google News ue, 14 Jul 2026

Peoples Financial Services Corp. (PFIS) Edges Higher as Shares Hold Near Key Support - Dealer Gamma - dars.gov.et

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Google News Sat, 13 Jun 2026

Peoples Financial Services Remains Compelling Enough To Bank On (NASDAQ:PFIS) - Seeking Alpha

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PFIS — Frequently Asked Questions

What is the current share price of Peoples Financial Services Corp. (PFIS)?

As of 2026-07-15 16:51 PDT, Peoples Financial Services Corp. (PFIS) trades at $67.74 on NasdaqGS. Its 52-week range is $43.04 to $68.03.

What is the market capitalisation of PFIS?

Peoples Financial Services Corp. (PFIS) has a market capitalisation of $678.14M on NasdaqGS.

What is the P/E ratio of PFIS?

PFIS trades at a trailing price-to-earnings (P/E) ratio of 11.56. The industry average P/E is 13.52. Its price-to-book (P/B) ratio is 1.28.

Does PFIS pay a dividend?

Peoples Financial Services Corp. (PFIS) currently offers a dividend yield of 3.73%.

What is the return on equity (ROE) of PFIS?

PFIS has a return on equity (ROE) of 11.70%.

Is PFIS a good stock to buy?

This page provides a data-driven analysis of Peoples Financial Services Corp. (PFIS), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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