Logo image of PFIS

PEOPLES FINANCIAL SERVICES (PFIS) Stock Fundamental Analysis

USA - NASDAQ:PFIS - US7110401053 - Common Stock

48.61 USD
-0.17 (-0.35%)
Last: 9/30/2025, 4:30:00 PM
48.61 USD
0 (0%)
After Hours: 9/30/2025, 4:30:00 PM
Fundamental Rating

5

Overall PFIS gets a fundamental rating of 5 out of 10. We evaluated PFIS against 392 industry peers in the Banks industry. PFIS has a bad profitability rating. Also its financial health evaluation is rather negative. PFIS is growing strongly while it also seems undervalued. This is an interesting combination PFIS also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

Quickly go to:

2

1. Profitability

1.1 Basic Checks

PFIS had positive earnings in the past year.
In the past year PFIS had a positive cash flow from operations.
Each year in the past 5 years PFIS has been profitable.
Each year in the past 5 years PFIS 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M

1.2 Ratios

Looking at the Return On Assets, with a value of 0.66%, PFIS is doing worse than 65.56% of the companies in the same industry.
Looking at the Return On Equity, with a value of 6.82%, PFIS is doing worse than 64.80% of the companies in the same industry.
Industry RankSector Rank
ROA 0.66%
ROE 6.82%
ROIC N/A
ROA(3y)0.66%
ROA(5y)0.86%
ROE(3y)7.31%
ROE(5y)8.8%
ROIC(3y)N/A
ROIC(5y)N/A
PFIS Yearly ROA, ROE, ROICPFIS Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

PFIS has a worse Profit Margin (18.38%) than 66.58% of its industry peers.
In the last couple of years the Profit Margin of PFIS has declined.
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) 18.38%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-45.68%
PM growth 5Y-25.93%
GM growth 3YN/A
GM growth 5YN/A
PFIS Yearly Profit, Operating, Gross MarginsPFIS Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

More info and screens

2

2. Health

2.1 Basic Checks

PFIS does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, PFIS has more shares outstanding
PFIS has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, PFIS has an improved debt to assets ratio.
PFIS Yearly Shares OutstandingPFIS Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M
PFIS Yearly Total Debt VS Total AssetsPFIS Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B 5B

2.2 Solvency

The Debt to FCF ratio of PFIS is 2.07, which is a good value as it means it would take PFIS, 2.07 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 2.07, PFIS is in line with its industry, outperforming 47.70% of the companies in the same industry.
PFIS has a Debt/Equity ratio of 0.18. This is a healthy value indicating a solid balance between debt and equity.
PFIS's Debt to Equity ratio of 0.18 is in line compared to the rest of the industry. PFIS outperforms 46.68% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF 2.07
Altman-Z N/A
ROIC/WACCN/A
WACC20.51%
PFIS Yearly LT Debt VS Equity VS FCFPFIS Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M

More info and screens

8

3. Growth

3.1 Past

PFIS shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 108.21%, which is quite impressive.
PFIS shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -22.23% yearly.
Looking at the last year, PFIS shows a very strong growth in Revenue. The Revenue has grown by 95.87%.
The Revenue has been growing by 8.19% on average over the past years. This is quite good.
EPS 1Y (TTM)108.21%
EPS 3Y-45.28%
EPS 5Y-22.23%
EPS Q2Q%186.44%
Revenue 1Y (TTM)95.87%
Revenue growth 3Y6.82%
Revenue growth 5Y8.19%
Sales Q2Q%115.72%

3.2 Future

Based on estimates for the next years, PFIS will show a very strong growth in Earnings Per Share. The EPS will grow by 30.98% on average per year.
Based on estimates for the next years, PFIS will show a very strong growth in Revenue. The Revenue will grow by 21.75% on average per year.
EPS Next Y70.13%
EPS Next 2Y30.98%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year41.27%
Revenue Next 2Y21.75%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
PFIS Yearly Revenue VS EstimatesPFIS Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 50M 100M 150M 200M
PFIS Yearly EPS VS EstimatesPFIS Yearly EPS VS EstimatesYearly EPS VS Estimates 2022 2023 2024 2025 2026 2 4 6

More info and screens

8

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 8.34 indicates a reasonable valuation of PFIS.
92.35% of the companies in the same industry are more expensive than PFIS, based on the Price/Earnings ratio.
PFIS is valuated cheaply when we compare the Price/Earnings ratio to 27.67, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 7.52, the valuation of PFIS can be described as very cheap.
PFIS's Price/Forward Earnings ratio is rather cheap when compared to the industry. PFIS is cheaper than 88.52% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of PFIS to the average of the S&P500 Index (23.13), we can say PFIS is valued rather cheaply.
Industry RankSector Rank
PE 8.34
Fwd PE 7.52
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 cheaper than 60.46% of the companies in the same industry.
Industry RankSector Rank
P/FCF 11.02
EV/EBITDA N/A
PFIS Per share dataPFIS EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40

4.3 Compensation for Growth

PFIS's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PFIS's earnings are expected to grow with 30.98% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.12
PEG (5Y)N/A
EPS Next 2Y30.98%
EPS Next 3YN/A

More info and screens

8

5. Dividend

5.1 Amount

PFIS has a Yearly Dividend Yield of 4.88%, which is a nice return.
PFIS's Dividend Yield is rather good when compared to the industry average which is at 3.52. PFIS pays more dividend than 83.67% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.41, PFIS pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.88%

5.2 History

On average, the dividend of PFIS grows each year by 9.19%, which is quite nice.
PFIS has been paying a dividend for at least 10 years, so it has 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5 2

5.3 Sustainability

73.04% of the earnings are spent on dividend by PFIS. This is not a sustainable payout ratio.
PFIS's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP73.04%
EPS Next 2Y30.98%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M
PFIS Dividend Payout.PFIS Dividend Payout, showing the Payout Ratio.PFIS Dividend Payout.PayoutRetained Earnings

More info and screens

PEOPLES FINANCIAL SERVICES

NASDAQ:PFIS (9/30/2025, 4:30:00 PM)

After market: 48.61 0 (0%)

48.61

-0.17 (-0.35%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-31 2025-07-31/bmo
Earnings (Next)11-03 2025-11-03/amc
Inst Owners32.34%
Inst Owner Change0.62%
Ins Owners7.75%
Ins Owner Change0.28%
Market Cap485.61M
Analysts82.5
Price Target54.32 (11.75%)
Short Float %1.34%
Short Ratio3.82
Dividend
Industry RankSector Rank
Dividend Yield 4.88%
Yearly Dividend2.12
Dividend Growth(5Y)9.19%
DP73.04%
Div Incr Years8
Div Non Decr Years22
Ex-Date08-29 2025-08-29 (0.6175)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)11.99%
Min EPS beat(2)11.73%
Max EPS beat(2)12.25%
EPS beat(4)3
Avg EPS beat(4)9.51%
Min EPS beat(4)-35.51%
Max EPS beat(4)49.57%
EPS beat(8)5
Avg EPS beat(8)1.16%
EPS beat(12)8
Avg EPS beat(12)2.8%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)2
Avg Revenue beat(2)1.48%
Min Revenue beat(2)1.37%
Max Revenue beat(2)1.59%
Revenue beat(4)2
Avg Revenue beat(4)-6.97%
Min Revenue beat(4)-24.85%
Max Revenue beat(4)1.59%
Revenue beat(8)2
Avg Revenue beat(8)-6.39%
Revenue beat(12)2
Avg Revenue beat(12)-6.28%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)-1.39%
EPS NQ rev (1m)3%
EPS NQ rev (3m)5.18%
EPS NY rev (1m)3.1%
EPS NY rev (3m)6.04%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)3.38%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.88%
Valuation
Industry RankSector Rank
PE 8.34
Fwd PE 7.52
P/S 2.65
P/FCF 11.02
P/OCF 9.35
P/B 0.98
P/tB 1.26
EV/EBITDA N/A
EPS(TTM)5.83
EY11.99%
EPS(NY)6.47
Fwd EY13.3%
FCF(TTM)4.41
FCFY9.08%
OCF(TTM)5.2
OCFY10.69%
SpS18.36
BVpS49.46
TBVpS38.65
PEG (NY)0.12
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.66%
ROE 6.82%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 18.38%
GM N/A
FCFM 24.03%
ROA(3y)0.66%
ROA(5y)0.86%
ROE(3y)7.31%
ROE(5y)8.8%
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
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-45.68%
PM growth 5Y-25.93%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF 2.07
Debt/EBITDA N/A
Cap/Depr 71.73%
Cap/Sales 4.28%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 130.72%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC20.51%
ROIC/WACCN/A
Cap/Depr(3y)143.99%
Cap/Depr(5y)130.1%
Cap/Sales(3y)5.02%
Cap/Sales(5y)4.38%
Profit Quality(3y)186.44%
Profit Quality(5y)152.1%
High Growth Momentum
Growth
EPS 1Y (TTM)108.21%
EPS 3Y-45.28%
EPS 5Y-22.23%
EPS Q2Q%186.44%
EPS Next Y70.13%
EPS Next 2Y30.98%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)95.87%
Revenue growth 3Y6.82%
Revenue growth 5Y8.19%
Sales Q2Q%115.72%
Revenue Next Year41.27%
Revenue Next 2Y21.75%
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 1Y38.81%
FCF growth 3Y-4.4%
FCF growth 5Y-0.08%
OCF growth 1Y26.09%
OCF growth 3Y-5.94%
OCF growth 5Y-1.76%