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Peoples Financial Services Corp.

PFIS Financial Banks Regional

Peoples Financial Services Corp.’s revenue for fiscal 2025 (year ended December 2025) was $281.4 million, up 22.5% from fiscal 2024.

Revenue
+3.78%
EPS
−12.9%
Free cash flow
+54.4%
Total debt
+26.4%

Quarter to June 2026, against a year earlier

73.29 1.40 −1.87%
Market cap
$730.2M
P/E
12.9×
Fwd P/E
11.0×
Dividend yield
3.40%
F-score
6/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — — — — —
Sell — — — — — — — — — — — —
Insider Ownership 8.20%

Capital & Financial Ratios $m

Size
Market Cap 730.15
Revenue ttm 287.05
Net income ttm 56.77
Free cash flow ttm 49.60
Net debt Q (10.19)
Valuation
P/E 12.91
Forward P/E 11.00
Price / sales 2.56
Forward P/S Powerpack
Price / FCF 14.79
Price / book 1.37
Financial health
Current ratio Q 0.99
Debt / equity Q 0.46
Interest coverage Q —
Growth
Revenue growth Q +3.78% (above 0%: growing)
Operating income growth Q −10.07% (below 0%: shrinking)
EPS, this year +8.15%
EPS, next year A +12.03%
Revenue, next year A −25.52% (below 0%: weak)
EPS, past 5 yrs +8.01%
EPS, next 5 yrs A +9.02%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 55.59%
10-year low 10-year high
P/S against its own 10 years 38.25%
10-year low 10-year high
P/B against its own 10 years 98.42%
10-year low 10-year high

Dividends raised every year since 2017

Yield
3.40%
Annual rate
2.49
Payout ratio
44.1%
Growth, 2017–25
+8.78%/yr
  1. 1.26 ’17
  2. 1.31 ’18 +4
  3. 1.37 ’19 +5
  4. 1.44 ’20 +5
  5. 1.50 ’21 +4
  6. 1.58 ’22 +5
  7. 1.64 ’23 +4
  8. 2.06 ’24 +25
  9. 2.47 ’25 +20
  10. 2.51 ’26e +1
paid forecast change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 187 136 269 256
Receivables — — — —
Inventory — — — —
Other — — — —
3,028 4,103 4,315 4,535
2023 2024 2025 Q'26
Payables 3,279 4,408 4,434 4,509
ST’ Debt — — — —
Other — — — —
3,302 4,429 4,474 4,599

Compound Annual Growth %

10y 5y 3y
Sales 13.58% 20.50% 31.71%
Cash Flow 6.40% 7.86% 8.62%
Earnings 12.82% 15.06% 15.83%
Book Value 7.65% 10.41% 18.13%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 1.72 Actual 1.90

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q3 FY26 1.72 1.90 Beat by 0.18
Q4 FY26 1.77 — Reports 29 January 2027

EPS $

Mar Jun Sep Dec Year
’26 1.47 1.48 — — —
’25 1.49 1.68 1.51 1.19 5.88
’24 0.49 0.46 (0.43) 0.61 0.99
’23 1.05 1.31 0.95 0.51 3.83
’22 1.33 1.30 1.38 1.27 5.28
’21 1.31 1.18 1.26 2.28 6.02
’20 0.72 1.03 1.14 1.13 4.00
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 72 74 — — —
’25 69 72 71 70 281
’24 42 42 74 71 230
’23 38 40 42 43 164
’22 28 30 33 33 123
’21 27 26 28 39 120
’20 27 27 28 28 111
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 8 14 — — —
’25 9 14 15 16 54
’24 3 2 22 8 35
’23 5 13 7 9 33
’22 9 10 11 12 42
’21 12 1 13 15 41
’20 11 9 (16) 34 37
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 6 13 — — —
’25 12 9 13 17 51
’24 3 1 18 12 34
’23 2 11 6 9 27
’22 9 8 9 10 36
’21 12 1 10 14 37
’20 10 8 (16) 33 36
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

3
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Jun ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 85 91 98 109 111 120 123 164 230 281 287 +14.2% 210 224 234 (6.0%)
Gross margin, % 91.46 90.49 86.45 83.53 87.07 92.13 87.35 61.52 58.45 66.69 68.05 (24.8) pt
EBT 25 27 28 29 34 54 45 33 8 72 71 +12.7%
EBT margin, % 28.97 29.13 28.79 26.63 30.85 44.71 36.83 19.82 3.69 25.67 24.56 (3.3) pt
Net income 20 18 25 26 29 44 38 27 8 59 57 +13.1%
Per share, $
Per share, $ Revenue 11.47 12.36 13.29 14.67 15.16 16.63 17.18 23.07 26.94 28.16 28.67 +10.5%
Earnings 2.65 2.50 3.37 3.72 4.02 6.05 5.31 3.85 1.00 5.92 5.68 +9.3%
Cash flow 3.79 3.87 4.41 5.01 5.09 5.67 5.91 4.68 4.07 5.43 5.34 +4.1%
Capex (0.79) (0.77) (0.32) (0.72) (0.17) (0.54) (0.93) (0.81) (0.09) (0.35) (0.39) (8.6%)
Free cash flow 3.00 3.10 4.09 4.29 4.92 5.12 4.98 3.87 3.98 5.08 4.95 +6.0%
Book value 34.69 35.83 37.66 40.43 43.38 47.26 43.99 47.89 54.97 52.01 53.56 +4.6%
Shares, m 7 7 7 7 7 7 7 7 9 10 10 +3.4%
Valuation, ×
Valuation, × P/E 18.39 18.31 13.07 14.46 9.14 8.72 9.57 12.68 44.89 8.22 12.91 15.7
P/S 4.25 3.69 3.32 3.43 2.42 3.17 2.96 2.12 1.90 1.73 2.56 2.9
P/B 1.40 1.27 1.17 1.25 0.85 1.11 1.16 1.02 0.93 0.94 1.37 1.1
EV/Sales 4.46 3.82 3.37 3.45 0.80 1.13 2.92 1.33 1.92 1.58 — 2.5
EV/FCF 17.04 15.24 10.95 11.78 2.45 3.66 10.09 7.91 12.97 8.74 — 10.1
Cash, $m
Cash, $m Operating cash flow 28 29 33 37 37 41 42 33 35 54 53 +7.6%
Capex (6) (6) (2) (5) (1) (4) (7) (6) (1) (4) (4) (5.5%)
Free cash flow 22 23 30 32 36 37 36 27 34 51 50 +9.6%
Balance, $m
Balance, $m Working capital (109) (125) (120) (170) (100) (374) (410) (274) (326) (158) (64) +4.3%
Net debt 18 12 5 2 (180) (244) (4) (129) 4 (43) (10) n/m
Shareholders’ equity 257 265 279 299 317 340 315 340 469 520 536 +8.2%
Returns, %
Returns, % ROA 1.03 0.89 1.12 1.08 1.10 1.39 1.10 0.75 0.19 1.14 1.08 +0.1 pt
ROIC 5.59 6.01 6.23 6.01 15.65 34.88 9.12 10.16 3.26 9.50 8.38 +3.9 pt
ROE 7.75 7.08 9.17 8.91 9.53 13.25 11.62 8.35 2.10 11.97 11.02 +4.2 pt
People
People Employees 364 388 390 408 384 396 415 395 538 583 — +5.4%
Revenue/emp, $m 0.23 0.24 0.25 0.27 0.29 0.30 0.30 0.42 0.43 0.48 — +8.4%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Peoples Financial Services Corp. vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
SHBI Shore Bancshares Inc $744.8M 10.9× 10.4× +3.34% (above 0%: growing) +16.84% (above 0%: growing) −14.11% (below 0%: shrinking) 71.59% 0.00% Compare
HTB HomeTrust Bancshares, Inc. $742.9M 12.2× 11.7× −4.58% (below 0%: shrinking) −5.94% (below 0%: shrinking) +417.30% (above 0%: growing) 77.45% 0.00% Compare
WASH Washington Trust Bancorp, Inc. $737.6M 11.5× 11.4× +0.09% (above 0%: growing) +78.95% (above 0%: growing) −48.12% (below 0%: shrinking) 65.83% 0.00% Compare
PFIS Peoples Financial Services Corp. $730.2M 12.9× 11.0× +3.78% (above 0%: growing) −12.94% (below 0%: shrinking) +54.41% (above 0%: growing) 70.19% 0.00%
VBNK VersaBank $724.9M 29.4× 25.8× +19.17% (above 0%: growing) +46.67% (above 0%: growing) −124.97% (below 0%: shrinking) 42.29% 0.00% Compare
AROW Arrow Financial Corporation $715.6M 12.5× 13.6× +4.55% (above 0%: growing) +1.54% (above 0%: growing) +37.22% (above 0%: growing) 71.42% 0.00% Compare
CWBC Community West Bancshares $707.1M 14.0× 15.8× +32.57% (above 0%: growing) −75.61% (below 0%: shrinking) +65.55% (above 0%: growing) 76.29% 0.00% Compare
CBNK Capital Bancorp, Inc. $695.6M 12.5× 12.0× +8.53% (above 0%: growing) +10.13% (above 0%: growing) −18.20% (below 0%: shrinking) 77.43% 0.00% Compare
BHB Bar Harbor Bankshares, Inc. $691.9M 13.9× 11.2× +26.82% (above 0%: growing) +127.50% (above 0%: growing) +563.60% (above 0%: growing) 73.41% 0.00% Compare
Median of peers $720.3M 12.5× 11.9× +6.54% +13.49% +11.55% 72.50% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 10 April 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 1.07m 1.06m 161.09
2024 924.32k 710.09k 161.07
2023 927.07k 894.02k 146.59
2022 992.14k 1.00m 150.37
2021 1.01m 1.20m 148.20

Ownership

Directors and executive officers, together 8.20%
BlackRock, Inc. 6.50%
The Vanguard Group 5.00%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

Peoples Financial Services Corp. (PFIS) Latest News

30 Oct

Impact 3 · · Business Wire
Impact 3 · · Associated Press FinanceZacksAssociated Press FinanceAssociated Press FinanceAssociated Press FinanceMT NewswiresMT NewswiresAssociated Press Finance
Impact 3 · · PR Newswire

28 Oct

Impact 3 · · Zacks

27 Oct

Impact 3 · · Business Wire

12 Oct

Impact 3 · · Zacks

25 Sep

Impact 3 · · Zacks

30 Apr

Impact 3 ·

5 Feb

Impact 3 · · Simply Wall St.

30 Jan

Impact 4 · · Associated Press FinanceMT NewswiresAssociated Press FinanceAssociated Press FinanceMT NewswiresZacksMT Newswires
Impact 3 · · PR Newswire
Impact 3 · · PR Newswire
Impact 3 · · PR Newswire

19 Nov

Impact 4 · · Simply Wall St.

1 Nov

Impact 4 ·

31 Oct

Impact 3 · · PR Newswire

23 Oct

Impact 3 · · Simply Wall St.

30 Sep

Impact 4 · · Zacks

24 Sep

Impact 3 · · Simply Wall St.

11 Sep

Impact 4 · · Zacks
Impact 3 · · ZacksZacksZacksZacks

26 Aug

Impact 4 · · Simply Wall St.
Impact 4 ·

2 Aug

Impact 4 · · Simply Wall St.

1 Aug

Impact 4 · · Zacks

31 Jul

Impact 4 · · Associated Press Finance
Impact 3 · · Simply Wall St.
Impact 3 · · PR Newswire earnings
Impact 3 · · Simply Wall St.

30 Jul

Impact 3 · · Simply Wall St.
stockrow.com/PFIS · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com