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PEOPLES FINANCIAL SERVICES (PFIS) Stock Fundamental Analysis

NASDAQ:PFIS - Nasdaq - US7110401053 - Common Stock - Currency: USD

50.43  +1.45 (+2.96%)

Fundamental Rating

5

Overall PFIS gets a fundamental rating of 5 out of 10. We evaluated PFIS against 393 industry peers in the Banks industry. PFIS has a bad profitability rating. Also its financial health evaluation is rather negative. PFIS has both an excellent growth and valuation score. This means it is growing and it is still cheap. This is a rare combination! PFIS also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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2

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.
In the past 5 years PFIS has always been profitable.
In the past 5 years PFIS always reported a positive cash flow from operatings.
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 0.40%, PFIS is doing worse than 79.64% of the companies in the same industry.
The Return On Equity of PFIS (4.16%) is worse than 79.64% of its industry peers.
Industry RankSector Rank
ROA 0.4%
ROE 4.16%
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 Profit Margin of 12.73%. This is in the lower half of the industry: PFIS underperforms 79.39% 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) 12.73%
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

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3

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 more shares outstanding than it did 1 year ago.
Compared to 5 years ago, PFIS has more shares outstanding
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

PFIS has a debt to FCF ratio of 1.11. This is a very positive value and a sign of high solvency as it would only need 1.11 years to pay back of all of its debts.
PFIS has a Debt to FCF ratio of 1.11. This is in the better half of the industry: PFIS outperforms 71.25% of its industry peers.
PFIS has a Debt/Equity ratio of 0.09. This is a healthy value indicating a solid balance between debt and equity.
With a decent Debt to Equity ratio value of 0.09, PFIS is doing good in the industry, outperforming 74.81% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.09
Debt/FCF 1.11
Altman-Z N/A
ROIC/WACCN/A
WACC20.54%
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

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8

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 108.21% over the past year.
Measured over the past years, PFIS shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -22.23% on average per year.
The Revenue has grown by 33.14% in the past year. This is a very strong growth!
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)33.14%
Revenue growth 3Y6.82%
Revenue growth 5Y8.19%
Sales Q2Q%115.72%

3.2 Future

PFIS is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 31.06% yearly.
Based on estimates for the next years, PFIS will show a quite strong growth in Revenue. The Revenue will grow by 19.71% on average per year.
EPS Next Y60.44%
EPS Next 2Y31.06%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year37.31%
Revenue Next 2Y19.71%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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
PFIS Yearly EPS VS EstimatesPFIS Yearly EPS VS EstimatesYearly EPS VS Estimates 2022 2023 2024 2025 2026 2 4 6

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7

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 8.65 indicates a reasonable 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 91.86% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.41, PFIS is valued rather cheaply.
PFIS is valuated cheaply with a Price/Forward Earnings ratio of 7.79.
Based on the Price/Forward Earnings ratio, PFIS is valued cheaply inside the industry as 84.48% of the companies are valued more expensively.
PFIS is valuated cheaply when we compare the Price/Forward Earnings ratio to 33.87, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 8.65
Fwd PE 7.79
PFIS Price Earnings VS Forward Price EarningsPFIS Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of PFIS is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 13.65
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

The 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 31.06% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.14
PEG (5Y)N/A
EPS Next 2Y31.06%
EPS Next 3YN/A

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8

5. Dividend

5.1 Amount

PFIS has a Yearly Dividend Yield of 5.22%, which is a nice return.
PFIS's Dividend Yield is rather good when compared to the industry average which is at 3.54. PFIS pays more dividend than 85.24% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.39, PFIS pays a better dividend.
Industry RankSector Rank
Dividend Yield 5.22%

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 their dividend for at least 10 years, which is a reliable track record.
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

PFIS pays out 106.57% of its income as dividend. This is not a sustainable payout ratio.
PFIS's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP106.57%
EPS Next 2Y31.06%
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

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PEOPLES FINANCIAL SERVICES

NASDAQ:PFIS (8/12/2025, 10:58:37 AM)

50.43

+1.45 (+2.96%)

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 Owners31.67%
Inst Owner Change-0.28%
Ins Owners7.73%
Ins Owner Change0.33%
Market Cap503.80M
Analysts82.5
Price Target56.1 (11.24%)
Short Float %1.38%
Short Ratio4.26
Dividend
Industry RankSector Rank
Dividend Yield 5.22%
Yearly Dividend2.12
Dividend Growth(5Y)9.19%
DP106.57%
Div Incr Years8
Div Non Decr Years22
Ex-Date08-29 2025-08-29 (0.6175)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-11.89%
Min EPS beat(2)-35.51%
Max EPS beat(2)11.73%
EPS beat(4)3
Avg EPS beat(4)9.26%
Min EPS beat(4)-35.51%
Max EPS beat(4)49.57%
EPS beat(8)5
Avg EPS beat(8)2.39%
EPS beat(12)7
Avg EPS beat(12)1.29%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)-2.31%
Min Revenue beat(2)-5.99%
Max Revenue beat(2)1.37%
Revenue beat(4)1
Avg Revenue beat(4)-8.95%
Min Revenue beat(4)-24.85%
Max Revenue beat(4)1.37%
Revenue beat(8)1
Avg Revenue beat(8)-7.3%
Revenue beat(12)1
Avg Revenue beat(12)-6.46%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)1.85%
PT rev (3m)1.85%
EPS NQ rev (1m)0%
EPS NQ rev (3m)14.86%
EPS NY rev (1m)0%
EPS NY rev (3m)13.17%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.3%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 8.65
Fwd PE 7.79
P/S 3.2
P/FCF 13.65
P/OCF 12.67
P/B 1.05
P/tB 1.35
EV/EBITDA N/A
EPS(TTM)5.83
EY11.56%
EPS(NY)6.48
Fwd EY12.84%
FCF(TTM)3.69
FCFY7.33%
OCF(TTM)3.98
OCFY7.89%
SpS15.76
BVpS48.23
TBVpS37.25
PEG (NY)0.14
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.4%
ROE 4.16%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 12.73%
GM N/A
FCFM 23.45%
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-Score6
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.09
Debt/FCF 1.11
Debt/EBITDA N/A
Cap/Depr 31.37%
Cap/Sales 1.82%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 184.17%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC20.54%
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 Y60.44%
EPS Next 2Y31.06%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)33.14%
Revenue growth 3Y6.82%
Revenue growth 5Y8.19%
Sales Q2Q%115.72%
Revenue Next Year37.31%
Revenue Next 2Y19.71%
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 1Y28.56%
FCF growth 3Y-4.4%
FCF growth 5Y-0.08%
OCF growth 1Y5.29%
OCF growth 3Y-5.94%
OCF growth 5Y-1.76%