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Peoples Financial Services Corp. (PFIS) Total Return Calculator with Dividends Reinvested

Peoples Financial Services Corp.

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The total return for Peoples Financial Services Corp. (PFIS) stock is +30.12% over the past 12 months. So far it's up 19.47% this year. The 5-year total return is +52.76%, meaning $10,000 invested in PFIS stock 5 years ago would be worth $15,276 today. Total return includes price appreciation plus reinvesting any dividends paid out.

If you invested $10,000 in PFIS 1 year ago, it would be worth $13,092 today — you'd have gained $3,092 with dividends reinvested.

With Dividends Reinvested$13,092+30.92%

Price Only (No DRIP)$12,470+24.70%

Dividend Boost+$6224 payments · +6.22% extra

Period2025-05-06 → 2026-05-05

Price

Total Return (DRIP)

Dividends

S&P 500

If You Invested $10,000 in PFIS

1Y$13,012+$3,012 (+30.1%)30.1% CAGR

3Y$16,135+$6,135 (+61.4%)17.3% CAGR

5Y$15,276+$5,276 (+52.8%)8.8% CAGR

10Y$18,965+$8,965 (+89.7%)6.6% CAGR

15Y$28,926+$18,926 (+189.3%)7.3% CAGR

20Y$28,356+$18,356 (+183.6%)5.3% CAGR

30Y$47,989+$37,989 (+379.9%)5.4% CAGR

Dividend Reinvestment History (4)▲ Hide

Ex-Date	Dividend	Reinvest Price	Shares Added
2025-05-30	$0.62	$48.06	+0.012849
2025-08-29	$0.62	$52.41	+0.011933
2025-11-28	$0.62	$48.79	+0.012970
2026-02-27	$0.63	$53.60	+0.012101

Loading PFIS total return...

As of 2026-05-06

Returns at a Glance

Period	Total Return	CAGR	Price Only	Div. Contrib.	$10K →
YTD	+19.47%	—	+18.18%	+1.30 pp	$11,947
1Y	+30.12%	30.12%	+24.70%	+5.42 pp	$13,012
3Y	+61.35%	17.29%	+45.10%	+16.25 pp	$16,135
5Y	+52.76%	8.84%	+30.92%	+21.84 pp	$15,276
10Y	+89.65%	6.61%	+47.69%	+41.96 pp	$18,965
15Y	+189.26%	7.34%	+110.92%	+78.33 pp	$28,926
20Y	+183.56%	5.35%	+97.06%	+86.51 pp	$28,356
30Y	+379.89%	5.37%	+210.69%	+169.19 pp	$47,989

Risk & Highlights

Best Year+69.92%2003

Worst Year-29.66%2008

Max Drawdown-17.04%2025-08-27 → 2025-10-31 · Recovered 2026-02-02

Annual Returns

Year	Total Return	Price Return	Div.	S&P 500	vs S&P
2026YTD	+12.52%	+11.23%	+1.3pp	+0.41%	+12.1pp
2025	+3.71%	-1.30%	+5.0pp	+16.64%	-12.9pp
2024	+9.09%	+4.88%	+4.2pp	+24.00%	-14.9pp
2023	-0.94%	-4.17%	+3.2pp	+24.81%	-25.8pp
2022	+2.26%	-0.77%	+3.0pp	-19.95%	+22.2pp

PFIS outperformed the S&P 500 by 1.68pp over the past year (+30.12% vs +28.44%).

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PFIS Peers' Total Return

Accurate peer set · 10 comparable names

Name	Mkt Cap	30D Rtn	YTD Total Rtn	1Y Total Rtn	Div Contrib	3Y Total Rtn	5Y Total Rtn	10Y Total Rtn
PFISPeoples Financial Services Corp.	$570M	+3.6%	+19.5%	+30.1%	+5.4pp	+61.4%	+52.8%	+89.7%
NBTBNBT Bancorp Inc.	$2.3B	+2.3%	+8.3%	+7.1%	+3.4pp	+53.6%	+31.4%	+103.4%
FULTFulton Financial Corporation	$4.2B	+3.9%	+11.8%	+29.1%	+4.3pp	+126.2%	+44.6%	+107.4%
CZWICitizens Community Bancorp, Inc.	$204M	+5.1%	+21.9%	+42.6%	+0.7pp	+150.3%	+71.4%	+156.3%
CZNCCitizens & Northern Corporation	$389M	-4.0%	+11.7%	+19.9%	+5.9pp	+38.7%	+12.2%	+65.4%
WSBCWesBanco, Inc.	$3.3B	-2.7%	+3.5%	+17.3%	+4.9pp	+68.8%	+7.9%	+47.7%
UVSPUnivest Financial Corporation	$1.1B	+9.7%	+20.8%	+29.9%	+2.9pp	+129.8%	+47.9%	+140.7%
MBINMerchants Bancorp	$2.1B	+3.4%	+40.1%	+50.4%	+1.3pp	+102.7%	+62.4%	+334.5%
NFBKNorthfield Bancorp, Inc.	$592M	+3.1%	+26.2%	+28.6%	+4.6pp	+61.8%	+1.3%	+20.1%
FUNCFirst United Corporation	$243M	+0.1%	+2.3%	+24.4%	+3.2pp	+201.9%	+126.9%	+282.2%
FISFidelity National Information Services, Inc.	$24.1B	-0.1%	-28.3%	-38.4%	+2.1pp	-7.4%	-62.8%	-12.4%

Compare:PFIS vs NBTB PFIS vs FULT PFIS vs CZWI PFIS vs NBTB vs FULT

About PFIS Dividend Returns

Peoples Financial Services Corp. (PFIS) is a dividend-paying stock. When dividends are reinvested through a DRIP (Dividend Reinvestment Plan), they purchase additional shares, which then generate their own dividends—creating a compounding effect that can significantly boost long-term returns.

How We Calculate Total Return

Our total return calculator simulates dividend reinvestment (DRIP) by assuming each dividend payment is used to purchase additional shares at the closing price on the ex-dividend date. This methodology provides an accurate representation of how a dividend reinvestment plan would perform.

Frequently Asked Questions

Q1What is the total return of PFIS over the past year?

Peoples Financial Services Corp. (PFIS) delivered a total return of 30.12% over the past year when dividends are reinvested. The price-only return was 24.70%, meaning dividends contributed an additional 5.42 percentage points to total returns.

Q2How much would $10,000 invested in PFIS be worth today?

A $10,000 investment in Peoples Financial Services Corp. one year ago would be worth $13,012 today with dividends reinvested (DRIP). Without reinvesting dividends, the same investment would be worth $12,470. Dividend reinvestment added $542 to the portfolio value.

Q3Does PFIS pay dividends?

Yes, Peoples Financial Services Corp. (PFIS) pays dividends. In the last year, PFIS paid approximately $2.45 per share in dividends (4.30% yield). Reinvesting these dividends through a DRIP can significantly boost long-term returns — over 20+ years, dividend compounding can account for 30–50% of total returns for dividend-paying stocks.

Q4Did PFIS beat the S&P 500?

Yes, Peoples Financial Services Corp. (PFIS) outperformed the S&P 500 by 1.68 percentage points over the past year. PFIS delivered a total return of 30.12%, compared to the S&P 500's 28.44%. This 1.68pp alpha means investors in PFIS earned more than a passive S&P 500 index fund.

Q5What is PFIS's worst drawdown?

Peoples Financial Services Corp. (PFIS) experienced a maximum drawdown of -17.04% over the past year, declining from its peak on 2025-08-27 to its trough on 2025-10-31. The stock recovered to its prior peak by 2026-02-02. Maximum drawdown measures the worst peak-to-trough decline and is an important risk metric for investors.

Q6What is PFIS's long-term total return over 10, 20, or 30 years?

Here are Peoples Financial Services Corp. (PFIS)'s long-term returns with dividends reinvested. Over 10 years, the total return is 89.7% (6.6% CAGR) — $10,000 would have grown to $18,965. Over 20 years: 183.6% total return (5.3% CAGR) — $10,000 → $28,356. Over 30 years: 379.9% total return (5.4% CAGR) — $10,000 → $47,989. Long-term investors benefit from compounding: dividends buy additional shares, which generate their own dividends, creating an exponential growth effect.

Q7What was PFIS's best and worst year?

Peoples Financial Services Corp.'s best calendar year was 2003 with a total return of 69.9%. Its worst year was 2008 with a total return of -29.7%. This range shows the volatility investors should expect — the difference between the best and worst year is 99.6 percentage points.