Peoples Financial Services Corp. PFIS

69.80 0.50 0.72% as of 25 Sep
Market cap
$693.7M
P/E
12.3×
Growth Flags show if company had growth for consecutive years

Insider Decisions

in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy — — — — — — — — — — — —
Sell — — — — — — — — — — — —
Insider Ownership 8.20%

Capital & Financial Ratios

Market Cap 693.72
Revenue 287.05
Net Income 56.77
Free Cash Flow 49.60
Net Debt (10.19)
Current Ratio 0.99
Debt/Equity 0.46
P/E ratio 12.30
P/S ratio 2.43
P/B ratio 1.30
Past 5Y EPS Growth (22.23%)
This Y EPS Growth 3.87%
Next Y EPS Growth 14.20%
Next 5Y EPS Growth 10.32%
in millions of $

Dividends

Payout Ratio 0.32
Annual Dividend Rate 1.64
Annual Dividend Yield 5.64%
total individual payouts
2028 Powerpack
2027 Powerpack
2026 2.51
0.63
0.63
0.63
2025 2.47
0.62
0.62
0.62
0.62
2024 2.06
0.41
0.41
0.62
0.62
2023 1.64
0.41
0.41
0.41
0.41
2022 1.58
0.39
0.39
0.40
0.40
2021 1.50
0.37
0.37
0.38
0.38
2020 1.44
0.36
0.36
0.36
0.36
2019 1.37
0.34
0.34
0.34
0.35
2018 1.31
0.32
0.33
0.33
0.33
2017 1.26
0.31
0.31
0.32
0.32
2016 1.24
0.31
0.31
0.31
0.31
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

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
in millions of $

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%

Revenue

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
in millions of $ · fiscal quarters ending in the months shown

Operating Cash Flow

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
in millions of $ · fiscal quarters ending in the months shown

Free Cash Flow

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
in millions of $ · fiscal quarters ending in the months shown

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

Target Price Range

Analyst price targets

Recommendation Rating

3
1Buy 2 3Hold 4 5Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
32.74 39.00 39.01 39.76 29.01 36.02 46.02 30.60 36.26 38.90

Analyst estimates 2026–2028

Powerpack
Low Price
50.54 51.56 52.00 53.88 50.42 55.00 59.99 54.39 59.70 54.20
High Price
364 388 390 408 384 396 415 395 538 583
Employees
0 0 0 0 0 0 0 0 0 0
Revenue/Emp
85 91 98 109 111 120 123 164 230 281
Revenue
91.46% 90.49% 86.45% 83.53% 87.07% 92.13% 87.35% 61.52% 58.45% 66.69%
Gross Margin
25 27 28 29 34 54 45 33 8 72
EBT
28.97% 29.13% 28.79% 26.63% 30.85% 44.71% 36.83% 19.82% 3.69% 25.67%
EBT Margin
20 18 25 26 29 44 38 27 8 59
Net Income
8 7 6 6 4 5 7 6 (2) (6)
Depreciation
11.47 12.36 13.29 14.67 15.16 16.63 17.18 23.07 26.94 28.16
Revenue/Sh
2.65 2.50 3.37 3.72 4.02 6.05 5.31 3.85 1.00 5.92
Earnings/Sh
3.79 3.87 4.41 5.01 5.09 5.67 5.91 4.68 4.07 5.43
Cash Flow/Sh
(0.79) (0.77) (0.32) (0.72) (0.17) (0.54) (0.93) (0.81) (0.09) (0.35)
Capex/Sh
3.00 3.10 4.09 4.29 4.92 5.12 4.98 3.87 3.98 5.08
Free CF/Sh
34.69 35.83 37.66 40.43 43.38 47.26 43.99 47.89 54.97 52.01
Book Value/Sh
7 7 7 7 7 7 7 7 9 10
Shares
18.39 18.31 13.07 14.46 9.14 8.72 9.57 12.68 44.89 8.22
PE Ratio
4.25 3.69 3.32 3.43 2.42 3.17 2.96 2.12 1.90 1.73
PS Ratio
1.40 1.27 1.17 1.25 0.85 1.11 1.16 1.02 0.93 0.94
PB Ratio
4.46 3.82 3.37 3.45 0.80 1.13 2.92 1.33 1.92 1.58
EV/Sales
17.04 15.24 10.95 11.78 2.45 3.66 10.09 7.91 12.97 8.74
EV/FCF
28 29 33 37 37 41 42 33 35 54
Op' Cash Flow
(6) (6) (2) (5) (1) (4) (7) (6) (1) (4)
Capex
22 23 30 32 36 37 36 27 34 51
FCF
(109) (125) (120) (170) (100) (374) (410) (274) (326) (158)
Working Cap'
58 50 38 33 48 36 34 58 140 226
Total Debt
18 12 5 2 (180) (244) (4) (129) 4 (43)
Net Debt
257 265 279 299 317 340 315 340 469 520
Sh' Equity
1.03% 0.89% 1.12% 1.08% 1.10% 1.39% 1.10% 0.75% 0.19% 1.14%
ROA
5.59% 6.01% 6.23% 6.01% 15.65% 34.88% 9.12% 10.16% 3.26% 9.50%
ROIC
7.75% 7.08% 9.17% 8.91% 9.53% 13.25% 11.62% 8.35% 2.10% 11.97%
ROE
predictions in italic, sparklines do not include predictions

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Peoples Financial Services Corp. peers in Banks Regional

All 325 Banks Regional stocks →

Peoples Financial Services Corp. (PFIS) key facts

  • Peoples Financial Services Corp. (PFIS) is a Banks Regional company in the Financial sector, listed on Nasdaq.
  • Peoples Financial Services Corp.’s revenue for fiscal 2025 (year ended December 2025) was $281.4 million, up 22.5% from fiscal 2024.
  • As of September 25, 2026, PFIS traded at $69.80, a market capitalization of $693.7 million.
  • Peoples Financial Services Corp. pays an annual dividend of $1.64 per share, a yield of 5.64%, with a payout ratio of 32.3%.
  • Return on equity was 12.0% and debt-to-equity 0.46.

Source: company filings (standardised) and stockrow calculations.

Peoples Financial Services Corp. (PFIS) Latest News

News by impact score

Fine-tune

25 Sep

3

PFIS, the Moosic, PA-based parent of Peoples Security Bank & Trust, has gained 42.27% year-to-date and offers a 3.61% dividend yield. It pays $0.62 per quarter (about $2.50 annualized). The dividend has grown 1.2% this year and 11.43% on average over the last five years, with four increases in the last five years. The payout ratio is 28%. For 2026, consensus EPS is $6.37, up about 4.94% YoY. PFIS holds a Zacks Rank of #3 (Hold). While rising rates can pressure high-yield stocks, PFIS presents a compelling, dividend-focused opportunity within regional banks. Steady dividend growth and modest EPS increase support a moderate positive outlook.

30 Apr

3

Peoples Financial Services Corp. (PFIS) reports unaudited first quarter 2026 earnings. Q1 earnings reports reveal financial performance metrics that moderately impact investor sentiment and stock trajectory.

5 Feb

3

Peoples Financial Services Corp. (PFIS) has announced an increase in its dividend payout compared to the previous year, reflecting the company's strong financial performance and commitment to returning value to shareholders. This decision is expected to enhance investor confidence and attract more interest in the stock. The increased dividend payout may positively influence investor sentiment and financial performance, but its overall impact is expected to be limited.

30 Jan

4

Peoples Financial Services Corp. reported its Q4 earnings, highlighting a notable increase in net income and improved asset quality. The company experienced growth in loans and deposits, contributing to a strong financial performance. Management expressed optimism about future growth prospects, citing strategic initiatives and market conditions that favor expansion. Overall, the results reflect a positive trajectory for the bank amidst a competitive landscape. The significant increase in net income and growth in loans and deposits indicate a strong performance that could positively influence future market positioning.

3

Peoples Financial Services Corp. (PFIS) reported its unaudited earnings for the fourth quarter and full year of 2025, highlighting key financial metrics and performance indicators. The report indicates growth in net income and assets, alongside improvements in loan and deposit figures. Management provided insights into strategic initiatives and market conditions affecting the company's operations. Overall, the results reflect a positive trajectory for PFIS amidst a competitive financial landscape. The earnings report indicates moderate growth and performance improvements that may influence investor sentiment and operational aspects.

3

Peoples Financial Services Corp. announced the retirement of President Thomas P. Tulaney, effective immediately. Tulaney has been with the company for over 30 years, contributing significantly to its growth and success. The board of directors will begin the search for a successor while ensuring a smooth transition during this period. The retirement of a long-serving president may influence company operations and leadership dynamics but is not expected to drastically alter its overall trajectory.

3

Peoples Financial Services Corp. (PFIS) has announced an increase in its dividend for the first quarter of 2026, reflecting the company's strong financial performance and commitment to returning value to shareholders. The new dividend rate signifies a positive outlook for the company and its ongoing growth strategy. The dividend increase indicates a moderately noticeable influence on financial performance and investor sentiment.

19 Nov

4

Peoples Financial Services Corp. (PFIS) is highlighted as a promising investment opportunity in the US market for November 2025, showcasing its strong financial performance and growth potential. Analysts emphasize its strategic initiatives and market positioning, suggesting that PFIS could be an undiscovered gem for investors looking for value in the financial sector. Strong financial performance and strategic initiatives indicate significant potential for future growth and market impact.

1 Nov

4

Peoples Financial Services Corp. (PFIS) has reported a significant surge in margins, reinforcing a bullish outlook on the company's quality and value. This improvement in financial performance is expected to enhance investor sentiment and strengthen the company's competitive position in the market. The margin surge indicates a significant improvement in financial performance, likely impacting future growth and investor confidence.

31 Oct

3

Peoples Financial Services Corp. (PFIS) has declared a dividend for the fourth quarter of 2025, reflecting the company's ongoing commitment to returning value to its shareholders. The dividend amount and payment date have been specified, indicating a stable financial position and operational performance. The dividend declaration suggests a moderately positive influence on investor sentiment and financial performance.

30 Oct

3

Peoples Financial Services Corp. reported its Q3 earnings, highlighting a net income of $3.2 million, or $0.55 per share, compared to $2.9 million, or $0.50 per share, in the same quarter last year. The bank's total assets increased to $1.2 billion, up from $1.1 billion year-over-year. The increase in net interest income was attributed to a rise in loan volumes and improved interest margins. Non-performing loans decreased, indicating better asset quality. The company remains optimistic about future growth, focusing on expanding its lending portfolio and enhancing customer service. The earnings report indicates moderate growth and improved asset quality, which may positively influence financial performance.

3

Peoples Financial Services Corp. (PFIS) reported its unaudited earnings for the third quarter and year-to-date 2025, highlighting key financial metrics and performance indicators. The report includes details on revenue, net income, and other significant financial ratios, reflecting the company's operational efficiency and market position. Management provided insights into strategic initiatives and future outlook, emphasizing growth opportunities and potential challenges in the current economic landscape. Earnings reports typically influence financial performance and market sentiment, but the overall effect is expected to be somewhat balanced by other factors.

23 Oct

3

Peoples Financial Services Corp. (PFIS) is highlighted in a report focusing on insider buying trends among undervalued small-cap stocks. The article emphasizes the significance of recent insider purchases, suggesting that they may indicate confidence in the company's future performance. This trend is observed across various regions, showcasing potential investment opportunities in smaller companies like PFIS that may be undervalued in the current market environment. Insider buying can signal confidence in the company's future, potentially influencing market sentiment and performance.

30 Sep

4

Peoples Financial Services Corp. (PFIS) is highlighted as a high-growth dividend stock, showcasing its strong financial performance and commitment to returning value to shareholders. The company has demonstrated consistent revenue growth and profitability, making it an attractive option for investors seeking both income and capital appreciation. Analysts suggest that PFIS's strategic initiatives and market positioning could further enhance its growth trajectory, appealing to those looking for reliable dividend-paying stocks in a competitive market. PFIS's strong financial performance and strategic initiatives are likely to significantly impact its future growth and market positioning.

24 Sep

3

Peoples Financial Services Corp. (PFIS) is highlighted as one of three undervalued small-cap stocks experiencing insider buying, indicating potential confidence from executives in the company's future performance. The article suggests that such insider activity may signal positive developments ahead, making PFIS an attractive investment opportunity in the current market landscape. Insider buying can indicate confidence in the company's future, potentially influencing market sentiment and performance.

11 Sep

4

Peoples Financial Services Corp. (PFIS) is highlighted as an attractive dividend stock due to its strong financial performance, consistent dividend payments, and a solid balance sheet. The company has demonstrated resilience in a challenging economic environment, maintaining a competitive dividend yield that appeals to income-focused investors. Analysts suggest that PFIS's commitment to returning value to shareholders positions it favorably in the market, especially as interest rates fluctuate. The stock's stability and growth potential make it a compelling choice for those seeking reliable dividend income. Strong financial performance and consistent dividend payments indicate significant impact on future market performance.

3

Peoples Financial Services Corp. (PFIS) is highlighted as one of three top-ranked dividend stocks that can enhance retirement income. The article emphasizes the importance of dividend stocks in providing a reliable income stream for retirees, particularly in a fluctuating market. PFIS is recognized for its strong financial performance and commitment to returning value to shareholders through consistent dividend payments. Investors are encouraged to consider such stocks as part of a diversified retirement portfolio. PFIS's recognition as a top-ranked dividend stock may moderately influence investor sentiment and financial performance.

26 Aug

4

Peoples Financial Services Corp. (PFIS) is highlighted as a potential investment opportunity in August 2025, showcasing its strong financial performance and growth prospects. The article emphasizes the company's strategic initiatives and market positioning, suggesting that it may be undervalued compared to peers. Analysts predict positive trends in revenue and profitability, making PFIS a noteworthy candidate for investors seeking undiscovered gems in the financial sector. Significant strategic initiatives and positive financial trends are expected to influence the company's future performance.

4

Peoples Financial Services Corp. (PFIS) is highlighted as an undervalued small-cap stock with notable insider buying activity in August 2025. This trend suggests confidence from executives in the company's future performance, potentially indicating a favorable investment opportunity for shareholders. Analysts recommend exploring PFIS due to its strong fundamentals and growth potential, particularly in the context of current market conditions. Insider buying signals strong confidence in the company's future, which could significantly influence market sentiment and performance.

2 Aug

4

Peoples Financial Services Corp. (PFIS) reported its second quarter 2025 earnings, surpassing analysts' expectations. The company demonstrated strong financial performance, driven by increased revenues and effective cost management. This positive outcome reflects the firm's robust operational strategies and market positioning, contributing to investor confidence. Surpassing earnings expectations indicates significant operational strength and potential for future growth.

1 Aug

4

Peoples Financial Services Corp. (PFIS) is highlighted as a top dividend stock due to its consistent dividend payments and strong financial performance. The company has a solid track record of increasing dividends, making it an attractive option for income-focused investors. With a focus on community banking and a commitment to shareholder returns, PFIS is positioned well in the market. Analysts suggest that its stable earnings and growth potential further enhance its appeal as a reliable dividend stock. The company's strong dividend history and financial performance indicate significant potential for future growth and investor interest.

31 Jul

4

Peoples Financial Services Corp. reported its Q2 earnings, highlighting a notable increase in net income and improved asset quality. The bank's total assets grew, driven by strong loan demand and effective cost management. Additionally, the company announced a dividend increase, reflecting confidence in its financial stability and growth prospects. Overall, the results indicate a positive trajectory for the bank amidst a competitive landscape. The significant increase in net income and asset growth suggests a strong future performance and positive investor sentiment.

3

Peoples Financial Services Corp. (PFIS) is identified as one of three stocks estimated to be up to 29.0% below their intrinsic value, presenting potential investment opportunities. Analysts suggest that undervalued stocks like PFIS may offer favorable returns as market conditions evolve. The identification of PFIS as undervalued indicates a moderately noticeable influence on its market performance and investor sentiment.

3 earnings

Peoples Financial Services Corp. reported its unaudited earnings for the second quarter and year-to-date 2025, highlighting key financial metrics and performance indicators. The report reflects the company's ongoing strategies and market conditions, providing insights into its operational efficiency and profitability. Investors and stakeholders are encouraged to review the detailed figures and analysis presented in the report. Earnings reports typically influence financial performance and market sentiment, but the overall effect is expected to be somewhat balanced by other factors.

3

Peoples Financial Services Corp. (PFIS) is highlighted as one of three stocks potentially trading below their estimated value, with a possible undervaluation of up to 44.5%. This suggests that investors may find an opportunity for significant returns if the market corrects this discrepancy. The analysis indicates that PFIS, along with other mentioned stocks, could be undervalued based on current market conditions and financial metrics. The potential undervaluation of PFIS may moderately influence investor sentiment and financial performance.

30 Jul

3

Investing in Peoples Financial Services Corp. (PFIS) five years ago would have resulted in a 67% gain, reflecting the company's strong performance and growth in the financial sector. The stock has shown resilience and positive returns, indicating effective management and strategic initiatives that have contributed to its upward trajectory. Investors who held onto their shares during this period have benefited significantly, showcasing the potential for long-term investment in PFIS. The 67% gain over five years indicates a moderately noticeable influence on the company's financial performance and market sentiment.

25 Jul

3

Peoples Financial Services Corp. has declared a dividend for the third quarter of 2025, reflecting its ongoing commitment to returning value to shareholders. The dividend amount and payment date have been specified, indicating the company's stable financial position and operational performance. The dividend declaration suggests a stable financial performance, which may positively influence investor sentiment but is not expected to significantly alter the company's trajectory.

16 Jul

4

Peoples Financial Services Corp. (PFIS) is currently recognized as a top dividend stock, attracting attention from investors seeking reliable income sources. The company's strong financial performance and consistent dividend payments position it favorably in the market. Analysts suggest that PFIS's commitment to shareholder returns and its stable growth trajectory make it an appealing investment option. Investors are encouraged to consider the stock for its potential to provide steady dividends amidst market fluctuations. The recognition of PFIS as a top dividend stock indicates significant investor interest and potential for future growth.

30 Jun

4

Peoples Financial Services Corp. (PFIS) is highlighted as a strong dividend stock due to its consistent dividend payments, solid financial performance, and commitment to shareholder returns. The company has a history of increasing dividends, which reflects its stable earnings and robust cash flow. Additionally, PFIS's focus on community banking and strategic growth initiatives positions it well for future success, making it an attractive option for income-focused investors. The company's consistent dividend growth and strategic initiatives are likely to significantly impact its future performance and investor sentiment.

20 Jun

4

Peoples Financial Services Corp. (PFIS) is highlighted as one of the top three value stocks trading below its estimated worth in June 2025. The article emphasizes the company's strong fundamentals and potential for growth, suggesting that it is undervalued in the current market. Investors are encouraged to consider PFIS as a promising opportunity for long-term gains, given its financial stability and market position. PFIS is identified as significantly undervalued, indicating potential for major strategic moves and shifts in investor sentiment.

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