PEOPLES FINANCIAL SERVICES (PFIS) Stock Fundamental Analysis
USA - NASDAQ:PFIS - US7110401053 - Common Stock
44.93 USD
+0.39 (+0.88%)
PFIS gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 390 industry peers in the Banks industry. Both the profitability and financial health of PFIS have multiple concerns. PFIS is growing strongly while it also seems undervalued. This is an interesting combination PFIS also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
PFIS had positive earnings in the past year.
PFIS had a positive operating cash flow in the past year.
In the past 5 years PFIS has always been profitable.
PFIS had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
With a Return On Assets value of 0.66%, PFIS is not doing good in the industry: 66.15% of the companies in the same industry are doing better.
PFIS has a Return On Equity of 6.82%. This is in the lower half of the industry: PFIS underperforms 65.13% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
PFIS has a Profit Margin of 18.38%. This is in the lower half of the industry: PFIS underperforms 68.21% of its industry peers.
PFIS's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for PFIS so they could not be analyzed.
| Industry Rank | Sector 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
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.
2.2 Solvency
PFIS has a debt to FCF ratio of 2.07. This is a good value and a sign of high solvency as PFIS would need 2.07 years to pay back of 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 48.46% 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 has a Debt to Equity ratio (0.18) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.18 | ||
| Debt/FCF | 2.07 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC21.25%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
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%.
Measured over the past years, PFIS shows a quite strong growth in Revenue. The Revenue has been growing by 8.19% on average per year.
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
The Earnings Per Share is expected to grow by 30.98% on average over the next years. This is a very strong growth
PFIS is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 21.75% yearly.
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.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 7.71 indicates a rather cheap valuation of PFIS.
Compared to the rest of the industry, the Price/Earnings ratio of PFIS indicates a rather cheap valuation: PFIS is cheaper than 93.08% of the companies listed in the same industry.
PFIS is valuated cheaply when we compare the Price/Earnings ratio to 26.51, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 6.95, 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 90.77% of the companies in the same industry.
PFIS is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.53, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.71 | ||
| Fwd PE | 6.95 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, PFIS is valued a bit cheaper than 62.56% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.18 | ||
| EV/EBITDA | N/A |
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.
A more expensive valuation may be justified as PFIS's earnings are expected to grow with 30.98% in the coming years.
PEG (NY)0.11
PEG (5Y)N/A
EPS Next 2Y30.98%
EPS Next 3YN/A
5. Dividend
5.1 Amount
PFIS has a Yearly Dividend Yield of 5.24%, which is a nice return.
PFIS's Dividend Yield is rather good when compared to the industry average which is at 3.44. PFIS pays more dividend than 88.46% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.38, PFIS pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.24% |
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
5.3 Sustainability
PFIS pays out 73.04% of its income as dividend. This is not a sustainable payout ratio.
The dividend of PFIS is growing, but earnings are growing more, so the dividend growth is sustainable.
DP73.04%
EPS Next 2Y30.98%
EPS Next 3YN/A
NASDAQ:PFIS (11/3/2025, 8:22:42 PM)
44.93
+0.39 (+0.88%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners32.34%
Inst Owner Change-0.14%
Ins Owners7.75%
Ins Owner Change0.28%
Market Cap448.85M
Revenue(TTM)183.40M
Net Income(TTM)33.72M
Analysts82.5
Price Target54.32 (20.9%)
Short Float %1.32%
Short Ratio3.7
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.24% |
Yearly Dividend2.12
Dividend Growth(5Y)9.19%
DP73.04%
Div Incr Years8
Div Non Decr Years22
Ex-Date
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)0%
EPS NQ rev (3m)5.18%
EPS NY rev (1m)0%
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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.71 | ||
| Fwd PE | 6.95 | ||
| P/S | 2.45 | ||
| P/FCF | 10.18 | ||
| P/OCF | 8.64 | ||
| P/B | 0.91 | ||
| P/tB | 1.16 | ||
| EV/EBITDA | N/A |
EPS(TTM)5.83
EY12.98%
EPS(NY)6.47
Fwd EY14.39%
FCF(TTM)4.41
FCFY9.82%
OCF(TTM)5.2
OCFY11.57%
SpS18.36
BVpS49.46
TBVpS38.65
PEG (NY)0.11
PEG (5Y)N/A
Graham Number80.55
Profitability
| Industry Rank | Sector 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
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-45.68%
PM growth 5Y-25.93%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.04
Health
| Industry Rank | Sector 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
WACC21.25%
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%
PEOPLES FINANCIAL SERVICES / PFIS FAQ
What is the ChartMill fundamental rating of PEOPLES FINANCIAL SERVICES (PFIS) stock?
ChartMill assigns a fundamental rating of 5 / 10 to PFIS.
What is the valuation status of PEOPLES FINANCIAL SERVICES (PFIS) stock?
ChartMill assigns a valuation rating of 8 / 10 to PEOPLES FINANCIAL SERVICES (PFIS). This can be considered as Undervalued.
Can you provide the profitability details for PEOPLES FINANCIAL SERVICES?
PEOPLES FINANCIAL SERVICES (PFIS) has a profitability rating of 2 / 10.
Can you provide the PE and PB ratios for PFIS stock?
The Price/Earnings (PE) ratio for PEOPLES FINANCIAL SERVICES (PFIS) is 7.71 and the Price/Book (PB) ratio is 0.91.
What is the earnings growth outlook for PEOPLES FINANCIAL SERVICES?
The Earnings per Share (EPS) of PEOPLES FINANCIAL SERVICES (PFIS) is expected to grow by 70.13% in the next year.