PFIS Stock Analysis: Peoples Fin | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 714m USD | 12M Return: 47% | US7110401053 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 3.72M
EPS Trend: 69.5%
Qual. Beats: 0
Rev. Trend: 95.0%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.6 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Peoples Financial Services Corp. (PFIS) is the bank holding company for Peoples Security Bank and Trust Company, providing commercial and retail banking services across Pennsylvania, New Jersey, and New York. Founded in 1905 and headquartered in Moosic, Pennsylvania, the company accepts a range of deposits including money market, NOW, savings, IRA, demand deposit, and CDs, and originates residential mortgage, automobile, manufactured housing, personal, home equity, commercial real estate, working capital, and equipment loans.
In addition to core lending and deposit services, PFIS offers fiduciary and trust services, wealth management, securities brokerage, and cash management products such as remote deposit capture and ACH processing. The company serves business, non-profit, governmental, municipal agency, professional, and retail customers.
As a regional bank, PFIS operates a community-focused business model built on local deposit gathering and relationship-based lending within its tri-state footprint. Its trust and wealth management division represents a fee-income diversification strategy commonly used by community banks to reduce reliance on net interest margin, which tends to be sensitive to interest rate cycles.
- Net interest margin expands on Fed rate plateau
- Commercial real estate portfolio exposure raises provisioning risk
- Wealth management fee income grows as AUM scales
| Net Income: 56.8m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.02 > 1.0 |
| NWC/Revenue: 2.56% < 20% (prev -1.40k%; Δ 1.40k% < -1%) |
| CFO/TA 0.01 > 3% & CFO 53.5m > Net Income 56.8m |
| Net Debt (256.5m) to EBITDA (80.9m): 3.17 < 3 |
| Current Ratio: 1.09 > 1.5 & < 3 |
| Outstanding Shares: last quarter (10.0m) vs 12m ago -0.46% < -2% |
| Gross Margin: 66.51% > 18% (prev 57.86%; Δ 8.66% > 0.5%) |
| Asset Turnover: 5.45% > 50% (prev 5.58%; Δ -0.13% > 0%) |
| Interest Coverage Ratio: 0.77 > 6 (EBIT TTM 70.5m / Interest Expense TTM 91.7m) |
| A: 0.00 (Total Current Assets 92.7m - Total Current Liabilities 85.3m) / Total Assets 5.44b |
| B: 0.05 (Retained Earnings 290.6m / Total Assets 5.44b) |
| C: 0.01 (EBIT TTM 70.5m / Avg Total Assets 5.27b) |
| D: 0.11 (Book Value of Equity 536.2m / Total Liabilities 4.90b) |
| Altman-Z'' = 0.39 = B |
| DSRI: 1.11 (Receivables 17.8m/15.9m, Revenue 287.7m/285.1m) |
| GMI: 0.87 (GM 57.86% / 66.51%) |
| AQI: 1.06 (AQ_t 0.97 / AQ_t-1 0.91) |
| SGI: 1.01 (Revenue 287.7m / 285.1m) |
| TATA: 0.00 (NI 56.8m - CFO 53.5m) / TA 5.44b) |
| Beneish M = -3.01 (Cap -4..+1) = AA |
As of August 22, 2026, the stock is trading at USD 70.14 with a total of 73,996 shares traded. Over the past week, the price has changed by -1.71%, over one month by +1.55%, over three months by +18.98% and over the past year by +47.01%.
Current recommended Stop Loss: 66.10 (which is 5.8% or 2.3 ATR below the current price).
Peoples Fin has received a consensus analysts rating of 4.00. Therefore, it is recommended to buy PFIS.
- StrongBuy: 1
- Buy: 0
- Hold: 1
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 73.5 | 4.8% |
P/E Trailing = 12.6301
P/E Forward = 15.083
P/S = 3.7587
P/B = 1.2937
P/EG = 1.3122
Revenue TTM = 287.7m USD
EBIT TTM = 70.5m USD
EBITDA TTM = 80.9m USD
Long Term Debt = 246.1m USD (from longTermDebt, last quarter)
Short Term Debt = 85.3m USD (from shortTermDebt, last quarter)
Debt = 331.4m USD (corrected: LT Debt 246.1m + ST Debt 85.3m)
Net Debt = 256.5m USD (calculated: Debt 331.4m - CCE 74.9m)
Enterprise Value = 970.8m USD (714.3m + Debt 331.4m - CCE 74.9m)
Interest Coverage Ratio = 0.77 (Ebit TTM 70.5m / Interest Expense TTM 91.7m)
EV/FCF = 23.18x (Enterprise Value 970.8m / FCF TTM 41.9m)
FCF Yield = 4.31% (FCF TTM 41.9m / Enterprise Value 970.8m)
FCF Margin = 14.56% (FCF TTM 41.9m / Revenue TTM 287.7m)
Net Margin = 19.74% (Net Income TTM 56.8m / Revenue TTM 287.7m)
Gross Margin = 66.51% ((Revenue TTM 287.7m - Cost of Revenue TTM 96.3m) / Revenue TTM)
Gross Margin QoQ = 66.01% (prev 67.57%)
Tobins Q-Ratio = 0.18 (Enterprise Value 970.8m / Total Assets 5.44b)
Interest Expense / Debt = 27.67% (Interest Expense 91.7m / Debt 331.4m)
Taxrate = 19.47% (13.7m / 70.5m)
NOPAT = 56.8m (EBIT 70.5m * (1 - 19.47%))
Current Ratio = 1.09 (Total Current Assets 92.7m / Total Current Liabilities 85.3m)
Debt / Equity = 0.62 (Debt 331.4m / totalStockholderEquity, last quarter 536.2m)
Debt / EBITDA = 3.17 (Net Debt 256.5m / EBITDA 80.9m)
Debt / FCF = 6.12 (Net Debt 256.5m / FCF TTM 41.9m)
Total Stockholder Equity = 522.7m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.08% (Net Income 56.8m / Total Assets 5.44b)
RoE = 10.86% (Net Income TTM 56.8m / Total Stockholder Equity 522.7m)
RoCE = 9.17% (EBIT 70.5m / Capital Employed (Equity 522.7m + L.T.Debt 246.1m))
RoIC = 1.05% (NOPAT 56.8m / Invested Capital 5.43b)
WACC = 12.48% (E(714.3m)/V(1.05b) * Re(7.93%) + D(331.4m)/V(1.05b) * Rd(27.67%) * (1-Tc(0.19)))
Discount Rate = 7.93% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 69.58 | Cagr: 16.61%
[DCF] Terminal Value 63.07% ; FCFF base≈41.3m ; Y1≈42.8m ; Y5≈48.2m
[DCF] Fair Price = 17.97 (EV 436.4m - Net Debt 256.5m = Equity 179.9m / Shares 10.0m; r=12.48% [WACC]; 5y FCF grow 3.85% → 2.50% )
EPS Correlation: 69.52 | EPS CAGR: 22.70% | SUE: -0.50 | # QB: 0
Revenue Correlation: 95.01 | Revenue CAGR: 30.70% | SUE: 0.69 | # QB: 0
EPS current Quarter (2026-09-30): EPS=1.74 | Chg30d=+1.17% | Revisions=+0% | Analysts=2
EPS current Year (2026-12-31): EPS=6.37 | Chg30d=-2.52% | Revisions=-25% | GrowthEPS=+4.9% | GrowthRev=+12.1%
EPS next Year (2027-12-31): EPS=7.38 | Chg30d=+1.10% | Revisions=+40% | GrowthEPS=+15.9% | GrowthRev=+7.5%
[Analyst] Revisions Ratio: +12% (up=3, down=2)