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GAIN vs PFIS

GAIN
Gladstone Investment Corporation
NEUTRAL
Price
$14.53
Market Cap
$578.6M
Sector
Financial Services
AI Confidence
80%
PFIS
Peoples Financial Services Corp.
NEUTRAL
Price
$56.73
Market Cap
$567.6M
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
GAIN
4.6
PFIS
9.65
Forward P/E
GAIN
16.51
PFIS
7.85
P/B Ratio
GAIN
0.97
PFIS
1.09
P/S Ratio
GAIN
5.7
PFIS
3.03
EV/EBITDA
GAIN
--
PFIS
--

Profitability

Gross Margin
GAIN
100.0%
PFIS
0.0%
Operating Margin
GAIN
15.79%
PFIS
42.2%
Profit Margin
GAIN
118.55%
PFIS
31.55%
ROE
GAIN
22.16%
PFIS
11.97%
ROA
GAIN
2.93%
PFIS
1.14%

Growth

Revenue Growth
GAIN
17.3%
PFIS
12.2%
Earnings Growth
GAIN
58.5%
PFIS
97.0%

Financial Health

Debt/Equity
GAIN
0.96
PFIS
--
Current Ratio
GAIN
0.18
PFIS
--
Quick Ratio
GAIN
0.15
PFIS
--

Dividends

Dividend Yield
GAIN
6.61%
PFIS
4.37%
Payout Ratio
GAIN
30.38%
PFIS
42.01%

AI Verdict

GAIN NEUTRAL

GAIN presents a stark contrast between deep value and deteriorating fundamental health, highlighted by a weak Piotroski F-Score of 2/9. While the stock trades at a significant discount to its Graham Number ($32.61) and Intrinsic Value ($93.22), this valuation is offset by a catastrophic recent earnings trend, including a -633.3% YoY EPS growth. The company maintains a strong dividend yield and ROE, but a critical liquidity risk is evident in the 0.18 current ratio. Overall, the asset is undervalued on a book basis but exhibits high operational risk.

Strengths
Deep value valuation with P/E of 4.60 and P/B of 0.97
Strong Return on Equity (ROE) of 22.16%
Attractive dividend yield of 6.61% with a sustainable payout ratio (30.38%)
Risks
Severe fundamental weakness indicated by Piotroski F-Score of 2/9
Extreme earnings volatility with a -633.3% YoY EPS growth
Critical liquidity concerns evidenced by a Current Ratio of 0.18
PFIS NEUTRAL

PFIS presents a stark contrast between deep value and deteriorating fundamental health. While the stock trades significantly below its Graham Number ($82.95) and Intrinsic Value ($173.46), the Piotroski F-Score of 3/9 indicates weak financial health and operational decline. Despite impressive YoY earnings growth of 97%, the recent quarterly track record is poor (1/4 beats) and the technical trend is heavily bearish (10/100). The attractive dividend yield provides a floor, but the fundamental health warning offsets the valuation discount.

Strengths
Significant undervaluation relative to Graham Number ($82.95) and Intrinsic Value ($173.46)
Low P/E ratio (9.65) and Forward P/E (7.85) compared to sector averages
Strong YoY earnings growth of 97.00%
Risks
Weak Piotroski F-Score (3/9) signaling deteriorating financial health
Strongly bearish technical trend (10/100)
Poor recent earnings reliability with only 1 beat in the last 4 quarters

Compare Another Pair

GAIN vs PFIS: Head-to-Head Comparison

This page compares Gladstone Investment Corporation (GAIN) and Peoples Financial Services Corp. (PFIS) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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