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PFISPeoples Financial Services Corp.
$68.51$686M
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
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PFIS logo

Peoples Financial Services Corp.

PFIS
NASDAQ · Regional Banks
$68.51
At close - Sep 23, 4:00 PM EDT - USD
Market Cap$686M
P/E11.7x
52W High$73.37
Volume33.99K
OverviewTerminalAnalysisFinancialsValuationEarningsBreakoutsOwnership
VCP Research Verdict2026Q2

Merger-Driven Scale Masks Margin Compression and Integration Risk

Peoples Financial Services Corp. is undergoing a transformational expansion via the pending FNCB merger, which has driven total assets up 46% to $5.4B and net interest income growth of 8.2% year-over-year. However, this growth is accompanied by a structurally ...

GrowthAccelerating
ProfitabilityModerate
ValuationAttractive
TechnicalsMixed
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

4/12 Beats

EPS beat 4 of last 12 quarters

02

Valuation risk

-27% Peers

P/E is 27% below peer median

03

Market leadership

RS 83 · Leader

High momentum (Outperforming 83% of market)

04

Mixed Trend

Mixed

Price < 50DMA but > 200DMA

Next CatalystEstimated earnings · Oct 30

Market performance

Price History →

Trailing total returns as of 9/24/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return
PFIS+46.06%
S&P 500 (^GSPC)+12.39%
1-Year Return
PFIS+39.63%
S&P 500 (^GSPC)+15.77%
3-Year Return
PFIS+69.72%
S&P 500 (^GSPC)+74.87%
5-Year Return
PFIS+75.95%
S&P 500 (^GSPC)+65.62%
02

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis
Trailing P/EMedian
11.7x
Forward P/EExpansion
10.8x
EV/EBITDA80th %ile
10.7x
FCF YieldCash Flow
6.3%

Valuation vs 5-Year History

Multiple Range
Metric
Current
5Y Median
Historical Range
Percentile
P/E
11.7x
9.8x
60th· Fair
EV/EBITDA
10.7x
9.8x
80th· High
Price/FCF
15.8x
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
$187M+39.4% YoY
Net income
$59M+596.5% YoY
Free cash flow
$43M+38.3% YoY
Operating margin
38.6%+32.3 pts YoY
ROIC (TTM)7.7%
Avg ROIC 5Y-
ROE (TTM)12%
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 Rate4/12 (40%)
Revenue Beat Rate2/12 (20%)
QuarterEPS (Act vs Est)Revenue (Act vs Est)
Q3 2026Latest
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
Q2 2026
Mar 16, 2026
$1.19
vs —
$70M
vs —
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

3 Stories
Defense World·Sep 7, 2026
Bank of New York Mellon Corp Invests $3.49 Million in Peoples Financial Services Corp. $PFIS

Bank of New York Mellon Corp acquired a new stake in Peoples Financial Services Corp. (NASDAQ: PFIS) during the second quarter, according to its most recent Form 13F filing with the Securities and Exchange Commission. The institutional investor acquired 52,639 shares of the financial services provider's stock, valued at approximately $3,494,000. Bank of

PRNewsWire·Jul 31, 2026
PEOPLES FINANCIAL SERVICES CORP. Declares Third Quarter 2026 Dividend

SCRANTON, Pa., July 31, 2026 /PRNewswire/ -- The Board of Directors of Peoples Financial Services Corp. ("Peoples") (NASDAQ: PFIS) declared a third quarter cash dividend of $0.6250 per share.

PRNewsWire·Jul 30, 2026
PEOPLES FINANCIAL SERVICES CORP. Reports Unaudited Second Quarter and Year to Date 2026 Earnings

MOOSIC, Pa., July 30, 2026 /PRNewswire/ -- Peoples Financial Services Corp. ("Peoples" or the "Company") (NASDAQ: PFIS), the bank holding company for Peoples Security Bank and Trust Company (the "Bank"), today reported unaudited financial results at and for the three and six months ended June 30, 2026.

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
$68.51$685.85M11.6539.38%31.61%11.97%3.57%
NBTB logoNBTBNBT Bancorp Inc.
$50.48$2.63B15.1614.54%22.65%11.26%—
FULT logoFULTFulton Financial Corporation
$22.75$4.35B10.9411.19%20.71%11.15%—
CZWI logoCZWICitizens Community Bancorp, Inc.
$21.23$204.74M14.54-9.39%14.64%6.77%—
CZNC logoCZNCCitizens & Northern Corporation
$25.22$451.86M17.270.3%10.52%5.54%—
WSBC logoWSBCWesBanco, Inc.
$38.09$3.65B16.8562.81%23.5%8.72%—

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

Aug 19, 2026·SEC

Material company update

Jul 30, 2026·SEC

Material company update

May 27, 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

Aug 7, 2026·SEC

FY 2026

May 8, 2026·SEC

FY 2025

Nov 10, 2025·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 39.4% over the past year. This is strong growth.

Is PFIS profitable?

Yes, Peoples Financial Services Corp. (PFIS) is profitable, generating $56.8M in net income for fiscal year 2025 (31.6% net margin).

Dividend & Returns
Does PFIS pay dividends?

Yes, Peoples Financial Services Corp. (PFIS) pays a dividend with a yield of 3.57%. This makes it attractive for income-focused investors.

What is PFIS's return on equity?

Peoples Financial Services Corp. (PFIS) has a return on equity (ROE) of 12.0%. This is reasonable for most industries.

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 →