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PFISPeoples Financial Services Corp.
$72.24$723M
Overview & Tools
OverviewChart Terminal ↗Visualize
Valuation & Forecasts
Valuation ModelsEstimatesDCF Model
Price & Analyst Data
Analyst TargetsPrice History
Financial Statements
Income StatementBalance SheetCash FlowRatios & Margins
Performance
P/E HistoryRevenue HistoryEarnings HistoryDividend HistoryTotal Return
Discovery & Screens
Live BreakoutsStock ScreenerOwnership
PFIS logo

Peoples Financial Services Corp.

PFIS
NASDAQ · Regional Banks
$72.24
At close - Nov 6, 4:00 PM EST - USD
Market Cap$723M
P/E12.0x
52W High$76.49
Volume51.86K
OverviewTerminalAnalysisFinancialsValuationEarningsBreakoutsOwnership
VCP Research Verdict2026Q3

Net Interest Recovery Meets Reserve-Dependent Earnings Quality Questions

PFIS's net interest income has rebuilt to $47.3M in 2026Q3 from a $18.9M trough in 2024Q2, and efficiency has improved from roughly 79-81% through 2024 to 59.9%, which suggests the core earnings engine is recovering.

GrowthExpanding
ProfitabilityModerate
ValuationAttractive
TechnicalsStrong
Explore valuation models
MARKET ACTION

PFIS price & volume

Price trend, volume and key moving averages

Launch Terminal
Loading chart...
Decision Checklist4 Core Signals

What matters now

The signals most likely to change the investment case.

01

Earnings momentum

5/12 Beats

EPS beat 5 of last 12 quarters

02

Valuation risk

-6% Peers

P/E is 6% below peer median

03

Market leadership

RS 83 · Leader

High momentum (Outperforming 83% of market)

04

Strong Uptrend

Strong Trend

Price > 20DMA > 50DMA > 200DMA

Next CatalystEstimated earnings · Jan 30

Market performance

Price History →

Trailing total returns as of 11/8/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return
PFIS+53.80%
S&P 500 (^GSPC)+7.63%
1-Year Return
PFIS+62.60%
S&P 500 (^GSPC)+9.69%
3-Year Return
PFIS+95.57%
S&P 500 (^GSPC)+67.20%
5-Year Return
PFIS+68.18%
S&P 500 (^GSPC)+55.46%
02

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis
Trailing P/EMedian
12.0x
Forward P/EExpansion
11.2x
EV/EBITDA80th %ile
11.3x
FCF YieldCash Flow
6.5%

Valuation vs 5-Year History

Multiple Range
Metric
Current
5Y Median
Historical Range
Percentile
P/E
12.0x
9.8x
60th· Fair
EV/EBITDA
11.3x
9.8x
80th· High
Price/FCF
15.3x
11.3x
100th· High
Current Multiple
5Y Median (50th %ile)

Intrinsic Value Scenarios

DCF Projection
No DCF Model AvailableIntrinsic value modeling is not supported for this equity.

Growth & profitability

Annual revenue & EPS trend
Revenue FY25
$187M+39.4% YoY
Net income FY25
$59M+596.5% YoY
Free cash flow FY25
$43M+38.3% YoY
Operating margin FY25
38.6%+32.3 pts YoY
ROIC (FY25)7.7%
Avg ROIC 5Y6.5%
ROE (TTM)11.5%
Piotroski Score6 / 9
Financial Statements →
03

Monitor what changed

Recent results and news deserve attention only when they alter the forward view.

OPERATING RESULTS

Recent Earnings

Earnings History
EPS Beat Rate5/12 (45%)
Revenue Beat Rate2/12 (18%)
QuarterEPS (Act vs Est)Revenue (Act vs Est)
Q4 2026Latest
Oct 30, 2026
$1.90+11.1%
vs $1.71
$53M-1.6%
vs $54M
Q3 2026
Jul 30, 2026
$1.48-9.8%
vs $1.64
$52M-0.4%
vs $52M
Q2 2026
Apr 30, 2026
$1.43-7.1%
vs $1.54
$50M-0.4%
vs $50M
Q1 2026
Feb 5, 2026
$1.36-10.5%
vs $1.52
$47M-3.1%
vs $48M
Historical baseline: 12 quarters analyzedGAAP / Adjusted
MARKET COVERAGE

Latest News

4 Stories
Zacks Investment Research·Oct 28, 2026
Peoples Financial Services (PFIS) Could Be a Great Choice

Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Peoples Financial Services (PFIS) have what it takes?

Business Wire·Oct 27, 2026
Peoples Security Bank & Trust Welcomes Scott Campagna as Executive Vice President, Chief Information Officer

MOOSIC, Pa.--(BUSINESS WIRE)--Peoples Financial Services Corp. ("PFIS" or the "Company") (NASDAQ: PFIS), the bank holding company for Peoples Security Bank and Trust Company (the "Bank"), announced today that Scott Campagna has joined the organization as Executive Vice President, Chief Information Officer. Campagna succeeds Susan Hubble, who will serve as Senior Executive Advisor to support the leadership transition until her retirement in April 2027, after more than 27 years with the Bank. Hub.

Business Wire·Oct 23, 2026
PEOPLES FINANCIAL SERVICES CORP. Declares Fourth Quarter 2026 Dividend

MOOSIC, Pa.--(BUSINESS WIRE)--The Board of Directors of Peoples Financial Services Corp. (“Peoples”) (NASDAQ: PFIS) declared a fourth quarter cash dividend of $0.6250 per share. The dividend is payable December 15, 2026 to shareholders of record November 30, 2026. Peoples Financial Services Corp. is the bank holding company of Peoples Security Bank and Trust Company, an independent community bank serving its retail and commercial customers through 40 full-service community banking offices locat.

Defense World·Oct 12, 2026
Peoples Financial Services (NASDAQ:PFIS) Sees Unusually-High Trading Volume – Should You Buy?

Peoples Financial Services Corp. (NASDAQ: PFIS - Get Free Report) saw unusually-strong trading volume on Monday. Approximately 39,537 shares traded hands during mid-day trading, a decline of 24% from the previous session's volume of 52,318 shares. The stock last traded at $67.9050 and had previously closed at $67.25. Analyst Ratings Changes A number of research analysts

Filtered for Peoples Financial Services Corp.More Headlines
04

Compare before deciding

Benchmark PFIS against direct peers instead of judging its metrics in isolation.

Peers Comparison

Key metrics vs top competitors for Peoples Financial Services Corp. (PFIS)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
PFIS logoPFISPeoples Financial Services Corp.Current
$72.24$723.19M11.9739.38%30.08%11.49%3.39%
NBTB logoNBTBNBT Bancorp Inc.
$52.83$2.75B12.6814.54%28.98%11.31%2.7%
FULT logoFULTFulton Financial Corporation
$23.76$4.54B11.0611.19%29.66%11.39%3.24%
CZWI logoCZWICitizens Community Bancorp, Inc.
$23.38$225.48M16.12-9.39%28.36%7.64%1.59%
CZNC logoCZNCCitizens & Northern Corporation
$27.92$500.23M14.160.3%27.74%10.27%3.66%
WSBC logoWSBCWesBanco, Inc.
$38.59$3.7B10.3062.81%34.04%8.88%3.62%

Compare PFIS vs Peers

Peoples Financial Services Corp. (PFIS) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs NBTB

Most directly comparable listed peer for PFIS.

Scale Benchmark

vs ICE

Larger-name benchmark to compare PFIS against a more recognizable public peer.

Peer Set

Compare Top 5

vs NBTB, FULT, CZWI, CZNC

05

Keep researching

Verify the primary filings, follow material updates, and answer the remaining questions.

PFIS SEC Filings & Documents

Peoples Financial Services Corp. (PFIS) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Oct 30, 2026·SEC

Material company update

Aug 19, 2026·SEC

Material company update

Jul 30, 2026·SEC

10-K Annual Reports

2
FY 2026

Mar 16, 2026·SEC

FY 2025

Mar 28, 2025·SEC

10-Q Quarterly Reports

6
FY 2026

Nov 6, 2026·SEC

FY 2026

Aug 7, 2026·SEC

FY 2026

May 8, 2026·SEC

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PFIS Frequently Asked Questions

Peoples Financial Services Corp. (PFIS) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is Peoples Financial Services Corp. growing?

Peoples Financial Services Corp. (PFIS) grew revenue by 9.0% over the trailing twelve months, compared with the twelve months before.

Is PFIS profitable?

Yes. Peoples Financial Services Corp. (PFIS) earned $60.7M in net income over the trailing twelve months (a 30.1% net margin).

Dividend & Returns
Does PFIS pay dividends?

Yes. Peoples Financial Services Corp. (PFIS) pays a dividend that yields 3.39% at the current price, a moderate yield.

What is PFIS's return on equity?

Peoples Financial Services Corp. (PFIS) had a return on equity (ROE) of 11.5% over the trailing twelve months. That is in line with the market's typical 10-15%.

Industry Metrics
What is Peoples Financial Services Corp.'s net interest margin?

Peoples Financial Services Corp. (PFIS) has a net interest margin (NIM) of 3.1%. This indicates healthy earnings from lending activities.

What is Peoples Financial Services Corp.'s efficiency ratio?

Peoples Financial Services Corp. (PFIS) has an efficiency ratio of 61.4%. This is reasonable for a bank.

What if you invested $1,000 in PFIS back in 1997?

Total return calculator · dividends reinvested · 29+ years of data

See returns →