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PFIS

NEUTRAL
$56.73 Live
Peoples Financial Services Corp. · NASDAQ
Target $57.5 (+1.4%)
$40.89 52W Range $58.58
Overview AI Snowflake Price Valuation Profitability Growth Health Statements Peers Insiders SEC Filings

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 17, 2026
Market cap
$567.62M
P/E
9.65
ROE
12.0%
Profit margin
31.6%
Debt/Equity
N/A
Dividend yield
4.37%

AI Analysis

AI-powered fundamental assessment

Confidence
80%
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.

Key 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%
Sustainable dividend profile with a 4.37% yield and 42.01% payout ratio
Price-to-Book ratio of 1.09 suggests the stock is trading near its book value

Key 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
Negative most recent Q/Q EPS growth (-9.9%)
Low insider sentiment (40/100) and lack of recent insider buying
AI Fair Value Estimate
Based on comprehensive analysis
$82.95
+46.2% above current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall
62
Strong
Value
90
Future
55
Past
60
Health
20
Dividend
85
AI Verdict
Value Trap Warning
Key drivers: Deep valuation discount, Poor Piotroski health score, Bearish technical momentum, Inconsistent earnings surprises
Confidence
85%
Value
90/100

Ref P/E 9.65, Graham Number $82.95

Positives
  • P/E well below sector average
  • Trading at a discount to Graham Number
  • Low P/B ratio
Watchpoints
  • Market is pricing in fundamental risks
Future
55/100

Ref Growth rates and Analyst Targets

Positives
  • Strong YoY revenue and earnings growth
Watchpoints
  • Negative Q/Q EPS growth
  • Low analyst target price ($57.50) relative to intrinsic value
Past
60/100

Ref Historical price performance and Earnings track record

Positives
  • Strong 1Y (+41.2%) and 5Y (+66.9%) price appreciation
Watchpoints
  • Recent earnings misses (3 of last 4 quarters)
Health
20/100

Ref Piotroski F-Score

Positives
  • Positive profit margins
Watchpoints
  • Piotroski F-Score of 3/9 is categorized as Weak
Dividend
85/100

Ref Yield and Payout

Positives
  • Healthy 4.37% yield
  • Conservative payout ratio (42.01%)
Watchpoints
No urgent risks highlighted.

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price
$56.73
Analyst Target
$57.5
Upside/Downside
+1.4%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for PFIS and closest competitors.

Updated 2026-04-16
PFI
Peoples Financial Services Corp.
Primary
5Y
+66.9%
3Y
+54.0%
1Y
+41.2%
6M
+28.3%
1M
+9.4%
1W
-2.6%
AVK
Advent Convertible and Income Fund
Peer
5Y
+43.6%
3Y
+52.3%
1Y
+17.8%
6M
+9.9%
1M
+1.6%
1W
+0.3%
BIT
BlackRock Multi-Sector Income Trust
Peer
5Y
+22.9%
3Y
+18.3%
1Y
-0.7%
6M
-4.7%
1M
+1.2%
1W
+0.1%
NFB
Northfield Bancorp, Inc.
Peer
5Y
+5.8%
3Y
+45.8%
1Y
+52.0%
6M
+25.4%
1M
+6.0%
1W
+0.6%
GAI
Gladstone Investment Corporation
Peer
5Y
+89.5%
3Y
+63.5%
1Y
+23.5%
6M
+11.8%
1M
+7.5%
1W
+1.0%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

P/E Ratio
9.65
Forward P/E
7.85
PEG Ratio
1.31
P/B Ratio
1.09
P/S Ratio
3.03
EV/Revenue
3.06
EV/EBITDA
N/A
Market Cap
$567.62M

Profitability

Profit margins and return metrics

Profit Margin 31.55%
Operating Margin 42.2%
Gross Margin N/A
ROE 11.97%
ROA 1.14%

Growth

Revenue and earnings growth rates

Revenue Growth +12.2%
Earnings Growth +97.0%
Q/Q Revenue Growth +6.13%
Q/Q Earnings Growth +96.7%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$28.46

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Revenue
$0.0B
Net Margin
25.5%
Total Assets
$5.3B
Liabilities
$4.8B
Equity
$0.5B
Debt/Equity
9.14x
Operating CF
$0.0B
CapEx
$-0.0B
Free Cash Flow
$0.0B
FCF Yield
82%

Quarterly Earnings History

EPS performance vs analyst estimates

2026-04-30
$N/A
2026-01-30
$1.36
-10.5% surprise
2025-10-30
$1.51
-1.6% surprise
2025-07-31
$1.69
+15.4% surprise

Financial Services Sector Comparison

Comparing PFIS against 525 companies in the Financial Services sector (96 bullish, 216 neutral, 213 bearish)
P/E Ratio
9.65
This Stock
vs
43.93
Sector Avg
-78.0% (Discount)
Return on Equity (ROE)
11.97%
This Stock
vs
0.14%
Sector Avg
+8286.7% (Excellent)
Profit Margin
31.55%
This Stock
vs
46.8%
Sector Avg
-32.6% (Weaker)
Revenue Growth
12.2%
This Stock
vs
40.4%
Sector Avg
-69.8% (Slower)

Similar Companies

Peer comparison within the same industry

PFIS Peoples...
NEUTRAL
Mkt Cap
$568M
P/E
9.6
ROE
12.0%
Price
$56.73
AVK Advent...
BEARISH
Mkt Cap
$563M
P/E
4.7
ROE
21.1%
Price
$12.76
 Compare with PFIS
BIT BlackRock...
BEARISH
Mkt Cap
$578M
P/E
9.3
ROE
-%
Price
$13.17
 Compare with PFIS
NFBK Northfield...
NEUTRAL
Mkt Cap
$578M
P/E
692.5
ROE
0.1%
Price
$13.85
 Compare with PFIS
GAIN Gladstone...
NEUTRAL
Mkt Cap
$579M
P/E
4.6
ROE
22.2%
Price
$14.53
 Compare with PFIS

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

TULANEY THOMAS P
President
Stock Award
2026-04-02
709 shares
ANDERSON JOHN R III
Chief Operating Officer
Stock Award
2026-03-11
295 shares
HUBBLE SUSAN L
Chief Technology Officer
Stock Award
2026-03-11
279 shares
DROBINS JEFFREY A
Officer
Stock Award
2026-03-11
274 shares
VIENEY AMY
Officer
Stock Award
2026-03-11
95 shares
KIRTLEY TIMOTHY H
Officer
Stock Award
2026-03-11
281 shares
WESTINGTON STEPHANIE A
Officer
Stock Award
2026-03-11
90 shares
CUMMINGS MARY GRIFFIN
General Counsel
Stock Award
2026-03-11
246 shares
KOPLIN NEAL D
Officer
Stock Award
2026-03-11
323 shares
CHAMPI GERARD A
Chief Executive Officer
Stock Award
2026-03-11
689 shares
TULANEY THOMAS P
President
Stock Award
2026-03-11
366 shares
BONE JAMES M JR
Chief Financial Officer
Stock Award
2026-03-11
317 shares
ANDERSON JOHN R III
Chief Operating Officer
Stock Award
2026-02-27
1,460 shares
HUBBLE SUSAN L
Chief Technology Officer
Stock Award
2026-02-27
2,059 shares
HUBBLE SUSAN L
Chief Technology Officer
Stock Award
2026-02-27
1,373 shares
Insider transactions can signal confidence or concerns about company prospects

SEC Filings

Recent regulatory filings from the SEC EDGAR database

DEF 14A
DEF 14A
2026-04-10

PFIS filed a definitive proxy statement on April 10, 2026, providing shareholders with necessary information and voting materials for an upcoming meeting.

8-K
FORM 8-K
2026-04-02

PFIS filed an 8-K on April 2, 2026, likely to announce its first-quarter financial results.

10-K
10-K
2026-03-16

PFIS filed its annual 10-K report on March 16, 2026. The provided excerpts do not contain specific financial metrics or risk disclosures, though they identify the locations of the Business, Risk Factors, and MD&A sections.

8-K
FORM 8-K
2026-03-16
8-K
FORM 8-K
2026-01-30
8-K
8-K
2026-01-30

PFIS likely filed this 8-K to announce its fourth-quarter and full-year financial results.

8-K
FORM 8-K
2025-12-29

PFIS filed a current report on December 29, 2025, likely disclosing year-end financial results or a material corporate update.

10-Q
10-Q
2025-11-10

PFIS filed its quarterly 10-Q report on November 10, 2025. Specific financial highlights and risk factors were not provided in the available metadata.

8-K
FORM 8-K
2025-11-06

PFIS filed an 8-K on November 6, 2025, likely to announce its third-quarter financial results.

8-K
8-K
2025-10-30

PFIS filed an 8-K on October 30, 2025, likely to announce its third-quarter financial results.

8-K
FORM 8-K
2025-09-05
8-K
FORM 8-K
2025-08-22
10-Q
10-Q
2025-08-11
8-K
8-K
2025-07-31
8-K
FORM 8-K
2025-06-27
Data sourced from SEC EDGAR. AI summaries generated automatically.

Wall Street Analysts

Professional analyst ratings and price targets

Consensus
NONE
2 analysts
Stephens & Co.
2026-02-11
Maintains
Equal-Weight Equal-Weight

Past News Coverage

Recent headlines mentioning PFIS from our newsroom.

Newest → oldest
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