(PFIS) Peoples Fin - Overview
Stock: Banking, Loans, Trust, Investment, Wealth
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 5.01% |
| Yield on Cost 5y | 7.61% |
| Yield CAGR 5y | 13.30% |
| Payout Consistency | 96.7% |
| Payout Ratio | 40.7% |
| Risk 5d forecast | |
|---|---|
| Volatility | 34.1% |
| Relative Tail Risk | -6.05% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.33 |
| Alpha | -1.98 |
| Character TTM | |
|---|---|
| Beta | 0.824 |
| Beta Downside | 0.796 |
| Drawdowns 3y | |
|---|---|
| Max DD | 31.13% |
| CAGR/Max DD | 0.23 |
Description: PFIS Peoples Fin December 27, 2025
Peoples Financial Services Corp. (NASDAQ:PFIS) is a diversified community-bank holding company headquartered in Moosic, Pennsylvania. It offers a full suite of retail banking products-including money-market, savings, demand-deposit, and CD accounts-as well as a broad array of loan types (residential, auto, home-equity, commercial real-estate, SBA, agricultural, equipment, and mineral-rights). The firm also provides fiduciary and wealth-management services such as investment management, IRA trusteeship, estate administration, insurance trusts, and corporate-trust solutions, plus a range of cash-management tools for business customers (online banking, merchant services, remote deposit capture, and ATM networks).
As of the most recent FY 2023 filing, PFIS reported $4.2 billion in total assets, a net interest margin (NIM) of 3.1%-slightly above the regional-bank average of ~2.8%-and a loan-to-deposit ratio of 78%, indicating a conservative funding profile. Deposit growth accelerated 7% YoY, driven by higher-yield money-market products, while loan growth slowed to 2% YoY, reflecting tighter credit standards amid a rising-rate environment. The bank’s return on equity (ROE) stood at 9.4%, modestly trailing the top quartile of GICS Sub-Industry peers.
The regional-bank sector is currently shaped by three macro drivers: (1) the Federal Reserve’s policy rate trajectory, which compresses NIMs but also raises the yield on new loan portfolios; (2) heightened credit-quality scrutiny as commercial-real-estate exposure remains a concentration risk; and (3) a trend toward consolidation, where smaller banks with limited scale face pressure to merge or partner to achieve cost efficiencies. PFIS’s diversified product mix and strong deposit franchise provide a buffer, but its modest loan-growth rate suggests sensitivity to these forces.
For a deeper quantitative assessment of PFIS’s valuation relative to peers, you may find the analytics on ValueRay worth exploring.
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income: 59.2m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.08 > 1.0 |
| NWC/Revenue: 16.69% < 20% (prev -1774 %; Δ 1790 % < -1%) |
| CFO/TA 0.01 > 3% & CFO 41.5m > Net Income 59.2m |
| Net Debt (108.7m) to EBITDA (65.5m): 1.66 < 3 |
| Current Ratio: 2.32 > 1.5 & < 3 |
| Outstanding Shares: last quarter (10.1m) vs 12m ago 0.32% < -2% |
| Gross Margin: 73.38% > 18% (prev 0.50%; Δ 7288 % > 0.5%) |
| Asset Turnover: 5.01% > 50% (prev 4.51%; Δ 0.50% > 0%) |
| Interest Coverage Ratio: 0.61 > 6 (EBITDA TTM 65.5m / Interest Expense TTM 93.7m) |
Altman Z'' 0.36
| A: 0.01 (Total Current Assets 76.1m - Total Current Liabilities 32.7m) / Total Assets 5.27b |
| B: 0.05 (Retained Earnings 273.5m / Total Assets 5.27b) |
| C: 0.01 (EBIT TTM 57.5m / Avg Total Assets 5.18b) |
| D: 0.06 (Book Value of Equity 268.8m / Total Liabilities 4.75b) |
| Altman-Z'' Score: 0.36 = B |
Beneish M -3.18
| DSRI: 1.00 (Receivables 17.6m/15.6m, Revenue 259.7m/229.8m) |
| GMI: 0.68 (GM 73.38% / 50.13%) |
| AQI: 1.06 (AQ_t 0.97 / AQ_t-1 0.92) |
| SGI: 1.13 (Revenue 259.7m / 229.8m) |
| TATA: 0.00 (NI 59.2m - CFO 41.5m) / TA 5.27b) |
| Beneish M-Score: -3.18 (Cap -4..+1) = AA |
What is the price of PFIS shares?
Over the past week, the price has changed by +7.72%, over one month by +15.14%, over three months by +23.65% and over the past year by +9.82%.
Is PFIS a buy, sell or hold?
- StrongBuy: 1
- Buy: 0
- Hold: 1
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the PFIS price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 50 | -10.9% |
| Analysts Target Price | 50 | -10.9% |
| ValueRay Target Price | 61.3 | 9.2% |
PFIS Fundamental Data Overview February 02, 2026
P/S = 2.8513
P/B = 1.0062
Revenue TTM = 259.7m USD
EBIT TTM = 57.5m USD
EBITDA TTM = 65.5m USD
Long Term Debt = 228.3m USD (from longTermDebt, two quarters ago)
Short Term Debt = 32.7m USD (from shortTermDebt, last quarter)
Debt = 167.1m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 108.7m USD (from netDebt column, last quarter)
Enterprise Value = 629.4m USD (520.7m + Debt 167.1m - CCE 58.4m)
Interest Coverage Ratio = 0.61 (Ebit TTM 57.5m / Interest Expense TTM 93.7m)
EV/FCF = 17.59x (Enterprise Value 629.4m / FCF TTM 35.8m)
FCF Yield = 5.68% (FCF TTM 35.8m / Enterprise Value 629.4m)
FCF Margin = 13.78% (FCF TTM 35.8m / Revenue TTM 259.7m)
Net Margin = 22.79% (Net Income TTM 59.2m / Revenue TTM 259.7m)
Gross Margin = 73.38% ((Revenue TTM 259.7m - Cost of Revenue TTM 69.1m) / Revenue TTM)
Gross Margin QoQ = none% (prev 67.53%)
Tobins Q-Ratio = 0.12 (Enterprise Value 629.4m / Total Assets 5.27b)
Interest Expense / Debt = 14.21% (Interest Expense 23.7m / Debt 167.1m)
Taxrate = 18.63% (2.74m / 14.7m)
NOPAT = 46.8m (EBIT 57.5m * (1 - 18.63%))
Current Ratio = 2.32 (Total Current Assets 76.1m / Total Current Liabilities 32.7m)
Debt / Equity = 0.32 (Debt 167.1m / totalStockholderEquity, last quarter 519.8m)
Debt / EBITDA = 1.66 (Net Debt 108.7m / EBITDA 65.5m)
Debt / FCF = 3.04 (Net Debt 108.7m / FCF TTM 35.8m)
Total Stockholder Equity = 501.3m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.14% (Net Income 59.2m / Total Assets 5.27b)
RoE = 11.81% (Net Income TTM 59.2m / Total Stockholder Equity 501.3m)
RoCE = 7.88% (EBIT 57.5m / Capital Employed (Equity 501.3m + L.T.Debt 228.3m))
RoIC = 6.37% (NOPAT 46.8m / Invested Capital 735.0m)
WACC = 9.58% (E(520.7m)/V(687.8m) * Re(8.95%) + D(167.1m)/V(687.8m) * Rd(14.21%) * (1-Tc(0.19)))
Discount Rate = 8.95% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 19.25%
[DCF Debug] Terminal Value 72.21% ; FCFF base≈33.7m ; Y1≈33.2m ; Y5≈34.0m
Fair Price DCF = 34.98 (EV 458.2m - Net Debt 108.7m = Equity 349.6m / Shares 9.99m; r=9.58% [WACC]; 5y FCF grow -2.54% → 2.90% )
EPS Correlation: 6.67 | EPS CAGR: 0.60% | SUE: -0.49 | # QB: 0
Revenue Correlation: 88.48 | Revenue CAGR: 15.50% | SUE: 2.62 | # QB: 1
EPS next Quarter (2026-03-31): EPS=1.52 | Chg30d=+0.000 | Revisions Net=+1 | Analysts=2
EPS current Year (2026-12-31): EPS=6.32 | Chg30d=+0.000 | Revisions Net=+0 | Growth EPS=+4.0% | Growth Revenue=+6.3%
EPS next Year (2027-12-31): EPS=6.98 | Chg30d=+0.000 | Revisions Net=+0 | Growth EPS=+10.5% | Growth Revenue=+6.1%