PEOPLES FINANCIAL SERVICES (PFIS) Stock Fundamental Analysis

NASDAQ:PFIS • US7110401053

56.61 USD
+0.68 (+1.22%)
At close: Feb 12, 2026
56.61 USD
0 (0%)
After Hours: 2/12/2026, 4:30:01 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

PFIS gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 381 industry peers in the Banks industry. There are concerns on the financial health of PFIS while its profitability can be described as average. PFIS has a decent growth rate and is not valued too expensively. Finally PFIS also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • In the past year PFIS was profitable.
  • In the past year PFIS had a positive cash flow from operations.
  • PFIS had positive earnings in each of the past 5 years.
  • Of the past 5 years PFIS 4 years had a positive operating cash flow.
PFIS Yearly Net Income VS EBIT VS OCF VS FCFPFIS Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M 50M

1.2 Ratios

  • The Return On Assets of PFIS (1.03%) is better than 62.73% of its industry peers.
  • Looking at the Return On Equity, with a value of 10.47%, PFIS is in the better half of the industry, outperforming 67.19% of the companies in the same industry.
Industry RankSector Rank
ROA 1.03%
ROE 10.47%
ROIC N/A
ROA(3y)0.67%
ROA(5y)0.88%
ROE(3y)7.08%
ROE(5y)9.22%
ROIC(3y)N/A
ROIC(5y)N/A
PFIS Yearly ROA, ROE, ROICPFIS Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • Looking at the Profit Margin, with a value of 28.79%, PFIS is in the better half of the industry, outperforming 72.18% of the companies in the same industry.
  • In the last couple of years the Profit Margin of PFIS has remained more or less at the same level.
  • The Operating Margin and Gross Margin are not available for PFIS so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 28.79%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-3.82%
PM growth 5Y0.67%
GM growth 3YN/A
GM growth 5YN/A
PFIS Yearly Profit, Operating, Gross MarginsPFIS Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. Health

2.1 Basic Checks

  • PFIS does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • PFIS has about the same amout of shares outstanding than it did 1 year ago.
  • PFIS has more shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, PFIS has a worse debt to assets ratio.
PFIS Yearly Shares OutstandingPFIS Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2M 4M 6M 8M
PFIS Yearly Total Debt VS Total AssetsPFIS Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B 5B

2.2 Solvency

  • The Debt to FCF ratio of PFIS is 2.57, which is a good value as it means it would take PFIS, 2.57 years of fcf income to pay off all of its debts.
  • PFIS's Debt to FCF ratio of 2.57 is in line compared to the rest of the industry. PFIS outperforms 41.47% of its industry peers.
  • PFIS has a Debt/Equity ratio of 0.18. This is a healthy value indicating a solid balance between debt and equity.
  • PFIS has a Debt to Equity ratio of 0.18. This is comparable to the rest of the industry: PFIS outperforms 47.77% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF 2.57
Altman-Z N/A
ROIC/WACCN/A
WACC19.16%
PFIS Yearly LT Debt VS Equity VS FCFPFIS Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M 500M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
PFIS Yearly Current Assets VS Current LiabilitesPFIS Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. Growth

3.1 Past

  • PFIS shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 61.01%, which is quite impressive.
  • The Earnings Per Share has been growing slightly by 7.88% on average over the past years.
  • The Revenue has grown by 39.73% in the past year. This is a very strong growth!
  • PFIS shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 14.25% yearly.
EPS 1Y (TTM)61.01%
EPS 3Y3.3%
EPS 5Y7.88%
EPS Q2Q%37.37%
Revenue 1Y (TTM)39.73%
Revenue growth 3Y20.41%
Revenue growth 5Y14.25%
Sales Q2Q%6.93%

3.2 Future

  • The Earnings Per Share is expected to grow by 8.29% on average over the next years. This is quite good.
  • Based on estimates for the next years, PFIS will show a small growth in Revenue. The Revenue will grow by 5.50% on average per year.
EPS Next Y6.07%
EPS Next 2Y8.29%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year4.87%
Revenue Next 2Y5.5%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
PFIS Yearly Revenue VS EstimatesPFIS Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 50M 100M 150M 200M
PFIS Yearly EPS VS EstimatesPFIS Yearly EPS VS EstimatesYearly EPS VS Estimates 2022 2023 2024 2025 2026 2027 2 4 6

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Find the best growth stocksShow best growing peers

5

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 9.33 indicates a reasonable valuation of PFIS.
  • 88.71% of the companies in the same industry are more expensive than PFIS, based on the Price/Earnings ratio.
  • PFIS's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.18.
  • PFIS is valuated reasonably with a Price/Forward Earnings ratio of 8.79.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of PFIS indicates a rather cheap valuation: PFIS is cheaper than 86.61% of the companies listed in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 28.01. PFIS is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 9.33
Fwd PE 8.79
PFIS Price Earnings VS Forward Price EarningsPFIS Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, PFIS is valued a bit more expensive than the industry average as 62.20% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF 15.95
EV/EBITDA N/A
PFIS Per share dataPFIS EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40 50

4.3 Compensation for Growth

  • PFIS's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.54
PEG (5Y)1.18
EPS Next 2Y8.29%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

8

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 4.49%, PFIS is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 2.53, PFIS pays a better dividend. On top of this PFIS pays more dividend than 91.34% of the companies listed in the same industry.
  • PFIS's Dividend Yield is rather good when compared to the S&P500 average which is at 1.80.
Industry RankSector Rank
Dividend Yield 4.49%

5.2 History

  • On average, the dividend of PFIS grows each year by 9.19%, which is quite nice.
  • PFIS has paid a dividend for at least 10 years, which is a reliable track record.
  • PFIS has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)9.19%
Div Incr Years8
Div Non Decr Years22
PFIS Yearly Dividends per sharePFIS Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5 2

5.3 Sustainability

  • 45.93% of the earnings are spent on dividend by PFIS. This is a bit on the high side, but may be sustainable.
  • PFIS's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP45.93%
EPS Next 2Y8.29%
EPS Next 3YN/A
PFIS Yearly Income VS Free CF VS DividendPFIS Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M 50M
PFIS Dividend Payout.PFIS Dividend Payout, showing the Payout Ratio.PFIS Dividend Payout.PayoutRetained Earnings

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Find the best dividend stocksShow peers with best dividend

PEOPLES FINANCIAL SERVICES

NASDAQ:PFIS (2/12/2026, 4:30:01 PM)

After market: 56.61 0 (0%)

56.61

+0.68 (+1.22%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-30
Earnings (Next)04-29
Inst Owners32.06%
Inst Owner Change-3.13%
Ins Owners7.75%
Ins Owner Change0.66%
Market Cap565.53M
Revenue(TTM)187.69M
Net Income(TTM)53.30M
Analysts45.71
Price Target51 (-9.91%)
Short Float %1.21%
Short Ratio4.6
Dividend
Industry RankSector Rank
Dividend Yield 4.49%
Yearly Dividend2.12
Dividend Growth(5Y)9.19%
DP45.93%
Div Incr Years8
Div Non Decr Years22
Ex-Date02-27
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)4.1%
Min EPS beat(2)-4.06%
Max EPS beat(2)12.25%
EPS beat(4)2
Avg EPS beat(4)-3.9%
Min EPS beat(4)-35.51%
Max EPS beat(4)12.25%
EPS beat(8)4
Avg EPS beat(8)-0.68%
EPS beat(12)8
Avg EPS beat(12)2.74%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)-2.45%
Min Revenue beat(2)-6.5%
Max Revenue beat(2)1.59%
Revenue beat(4)2
Avg Revenue beat(4)-2.38%
Min Revenue beat(4)-6.5%
Max Revenue beat(4)1.59%
Revenue beat(8)2
Avg Revenue beat(8)-6.75%
Revenue beat(12)2
Avg Revenue beat(12)-6.61%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)-6.1%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.33%
EPS NY rev (1m)0%
EPS NY rev (3m)0.06%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.26%
Valuation
Industry RankSector Rank
PE 9.33
Fwd PE 8.79
P/S 3.06
P/FCF 15.95
P/OCF 13.73
P/B 1.11
P/tB 1.4
EV/EBITDA N/A
EPS(TTM)6.07
EY10.72%
EPS(NY)6.44
Fwd EY11.37%
FCF(TTM)3.55
FCFY6.27%
OCF(TTM)4.12
OCFY7.28%
SpS18.53
BVpS50.98
TBVpS40.32
PEG (NY)1.54
PEG (5Y)1.18
Graham Number83.44
Profitability
Industry RankSector Rank
ROA 1.03%
ROE 10.47%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 28.79%
GM N/A
FCFM 19.15%
ROA(3y)0.67%
ROA(5y)0.88%
ROE(3y)7.08%
ROE(5y)9.22%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-3.82%
PM growth 5Y0.67%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF 2.57
Debt/EBITDA N/A
Cap/Depr 56.57%
Cap/Sales 3.09%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 66.52%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC19.16%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)61.01%
EPS 3Y3.3%
EPS 5Y7.88%
EPS Q2Q%37.37%
EPS Next Y6.07%
EPS Next 2Y8.29%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)39.73%
Revenue growth 3Y20.41%
Revenue growth 5Y14.25%
Sales Q2Q%6.93%
Revenue Next Year4.87%
Revenue Next 2Y5.5%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y1.92%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y3.1%
OCF growth 3YN/A
OCF growth 5YN/A

PEOPLES FINANCIAL SERVICES / PFIS FAQ

What is the ChartMill fundamental rating of PEOPLES FINANCIAL SERVICES (PFIS) stock?

ChartMill assigns a fundamental rating of 4 / 10 to PFIS.


Can you provide the valuation status for PEOPLES FINANCIAL SERVICES?

ChartMill assigns a valuation rating of 5 / 10 to PEOPLES FINANCIAL SERVICES (PFIS). This can be considered as Fairly Valued.


Can you provide the profitability details for PEOPLES FINANCIAL SERVICES?

PEOPLES FINANCIAL SERVICES (PFIS) has a profitability rating of 4 / 10.


How financially healthy is PEOPLES FINANCIAL SERVICES?

The financial health rating of PEOPLES FINANCIAL SERVICES (PFIS) is 2 / 10.


Can you provide the expected EPS growth for PFIS stock?

The Earnings per Share (EPS) of PEOPLES FINANCIAL SERVICES (PFIS) is expected to grow by 6.07% in the next year.