(PFIS) Peoples Fin - Ratings and Ratios
Banking, Loans, Trust, Investment, Wealth
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 5.04% |
| Yield on Cost 5y | 7.53% |
| Yield CAGR 5y | 13.30% |
| Payout Consistency | 96.7% |
| Payout Ratio | 43.4% |
| Risk via 5d forecast | |
|---|---|
| Volatility | 35.7% |
| Value at Risk 5%th | 55.1% |
| Relative Tail Risk | -6.06% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.20 |
| Alpha | -10.48 |
| CAGR/Max DD | 0.09 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.603 |
| Beta | 0.849 |
| Beta Downside | 0.810 |
| Drawdowns 3y | |
|---|---|
| Max DD | 33.13% |
| Mean DD | 14.41% |
| Median DD | 14.44% |
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) 2.5
| Net Income (53.3m TTM) > 0 and > 6% of Revenue (6% = 16.9m TTM) |
| FCFTA 0.01 (>2.0%) and ΔFCFTA 0.12pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -1405 % (prev -1975 %; Δ 569.7pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.01 (>3.0%) and CFO 41.5m <= Net Income 53.3m (YES >=105%, WARN >=100%) |
| Net Debt (232.9m) to EBITDA (73.7m) ratio: 3.16 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.09 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (10.1m) change vs 12m ago 0.43% (target <= -2.0% for YES) |
| Gross Margin 64.66% (prev 47.71%; Δ 16.94pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 5.37% (prev 3.76%; Δ 1.61pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.65 (EBITDA TTM 73.7m / Interest Expense TTM 97.3m) >= 6 (WARN >= 3) |
Altman Z'' -4.73
| (A) -0.77 = (Total Current Assets 407.7m - Total Current Liabilities 4.37b) / Total Assets 5.16b |
| (B) 0.05 = Retained Earnings (Balance) 267.7m / Total Assets 5.16b |
| (C) 0.01 = EBIT TTM 63.3m / Avg Total Assets 5.26b |
| (D) 0.06 = Book Value of Equity 258.5m / Total Liabilities 4.65b |
| Total Rating: -4.73 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 62.82
| 1. Piotroski 2.50pt |
| 2. FCF Yield 8.59% |
| 3. FCF Margin 12.67% |
| 4. Debt/Equity 0.60 |
| 5. Debt/Ebitda 3.16 |
| 6. ROIC - WACC (= -0.83)% |
| 7. RoE 10.91% |
| 8. Rev. Trend 95.75% |
| 9. EPS Trend 9.15% |
What is the price of PFIS shares?
Over the past week, the price has changed by +1.87%, over one month by -0.51%, over three months by +5.01% and over the past year by +6.34%.
Is PFIS a buy, sell or hold?
- Strong Buy: 1
- Buy: 0
- Hold: 1
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the PFIS price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 50 | 1.9% |
| Analysts Target Price | 50 | 1.9% |
| ValueRay Target Price | 52.7 | 7.4% |
PFIS Fundamental Data Overview January 02, 2026
P/S = 2.6658
P/B = 0.956
Beta = 0.781
Revenue TTM = 282.3m USD
EBIT TTM = 63.3m USD
EBITDA TTM = 73.7m USD
Long Term Debt = 228.3m USD (from longTermDebt, last quarter)
Short Term Debt = 76.3m USD (from shortTermDebt, last quarter)
Debt = 304.6m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 232.9m USD (from netDebt column, last quarter)
Enterprise Value = 416.4m USD (486.8m + Debt 304.6m - CCE 375.0m)
Interest Coverage Ratio = 0.65 (Ebit TTM 63.3m / Interest Expense TTM 97.3m)
FCF Yield = 8.59% (FCF TTM 35.8m / Enterprise Value 416.4m)
FCF Margin = 12.67% (FCF TTM 35.8m / Revenue TTM 282.3m)
Net Margin = 18.88% (Net Income TTM 53.3m / Revenue TTM 282.3m)
Gross Margin = 64.66% ((Revenue TTM 282.3m - Cost of Revenue TTM 99.8m) / Revenue TTM)
Gross Margin QoQ = 67.53% (prev 68.01%)
Tobins Q-Ratio = 0.08 (Enterprise Value 416.4m / Total Assets 5.16b)
Interest Expense / Debt = 7.87% (Interest Expense 24.0m / Debt 304.6m)
Taxrate = 19.09% (3.60m / 18.8m)
NOPAT = 51.2m (EBIT 63.3m * (1 - 19.09%))
Current Ratio = 0.09 (Total Current Assets 407.7m / Total Current Liabilities 4.37b)
Debt / Equity = 0.60 (Debt 304.6m / totalStockholderEquity, last quarter 509.3m)
Debt / EBITDA = 3.16 (Net Debt 232.9m / EBITDA 73.7m)
Debt / FCF = 6.51 (Net Debt 232.9m / FCF TTM 35.8m)
Total Stockholder Equity = 488.5m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.01% (Net Income 53.3m / Total Assets 5.16b)
RoE = 10.91% (Net Income TTM 53.3m / Total Stockholder Equity 488.5m)
RoCE = 8.84% (EBIT 63.3m / Capital Employed (Equity 488.5m + L.T.Debt 228.3m))
RoIC = 7.24% (NOPAT 51.2m / Invested Capital 707.4m)
WACC = 8.07% (E(486.8m)/V(791.4m) * Re(9.14%) + D(304.6m)/V(791.4m) * Rd(7.87%) * (1-Tc(0.19)))
Discount Rate = 9.14% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 19.27%
[DCF Debug] Terminal Value 77.95% ; FCFF base≈33.7m ; Y1≈33.2m ; Y5≈34.1m
Fair Price DCF = 36.87 (EV 601.4m - Net Debt 232.9m = Equity 368.5m / Shares 9.99m; r=8.07% [WACC]; 5y FCF grow -2.54% → 3.0% )
EPS Correlation: 9.15 | EPS CAGR: 16.20% | SUE: -0.09 | # QB: 0
Revenue Correlation: 95.75 | Revenue CAGR: 29.83% | SUE: 0.83 | # QB: 0
EPS next Quarter (2026-03-31): EPS=1.52 | Chg30d=+0.000 | Revisions Net=+1 | Analysts=2
EPS next Year (2026-12-31): EPS=6.32 | Chg30d=+0.000 | Revisions Net=+0 | Growth EPS=+1.5% | Growth Revenue=+4.9%
Additional Sources for PFIS Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle