(PFIS) Peoples Fin - Ratings and Ratios
Banking, Loans, Investments, Wealth Management, Accounts
PFIS EPS (Earnings per Share)
PFIS Revenue
Description: PFIS Peoples Fin
Peoples Financial Services Corp. (NASDAQ:PFIS) is a regional bank holding company that offers a diverse range of financial services to individuals, businesses, and institutions. The company provides various banking products, including deposit accounts, loans, and credit facilities, as well as wealth management and investment services.
With a long history dating back to 1905, Peoples Financial Services Corp. has established itself as a trusted financial institution, serving customers in the northeastern United States. The companys comprehensive suite of services includes commercial and retail banking, fiduciary and investment services, and wealth management products, making it a one-stop-shop for customers financial needs.
Some key performance indicators (KPIs) that can be used to evaluate PFIS include its efficiency ratio, loan-to-deposit ratio, and return on assets (ROA). The companys efficiency ratio, which measures its ability to manage expenses, is a key metric to monitor. Additionally, the loan-to-deposit ratio can provide insights into the companys lending activities and funding sources. With a market capitalization of $471.15 million, PFIS is a relatively small regional bank, and its ROA of approximately 0.8-1.2% is relatively in line with industry averages. Furthermore, the companys dividend yield and payout ratio can be analyzed to assess its commitment to returning value to shareholders.
To gain a more comprehensive understanding of PFISs financial health and performance, it is essential to review its financial statements, including the income statement, balance sheet, and cash flow statement. Key metrics such as net interest margin, non-performing assets, and capital adequacy ratio can provide valuable insights into the companys financial stability and profitability. A thorough analysis of these KPIs can help investors make informed decisions about investing in PFIS.
PFIS Stock Overview
| Market Cap in USD | 508m |
| Sub-Industry | Regional Banks |
| IPO / Inception | 2002-06-05 |
PFIS Stock Ratings
| Growth Rating | 40.7% |
| Fundamental | 62.6% |
| Dividend Rating | 86.9% |
| Total Return vs S&P 500 | -1.17% |
| Analyst Rating | 4.00 of 5 |
PFIS Dividends
| Dividend Yield 12m | 6.31% |
| Yield on Cost 5y | 9.83% |
| Annual Growth 5y | 7.38% |
| Payout Consistency | 98.1% |
| Payout Ratio | 42.4% |
PFIS Growth Ratios
| Growth Correlation 3m | 28.1% |
| Growth Correlation 12m | 25.6% |
| Growth Correlation 5y | 56% |
| CAGR 5y | 9.90% |
| CAGR/Max DD 5y | 0.26 |
| Sharpe Ratio 12m | 0.87 |
| Alpha | -1.40 |
| Beta | 0.940 |
| Volatility | 37.36% |
| Current Volume | 18.1k |
| Average Volume 20d | 18.6k |
| Stop Loss | 47.9 (-4.1%) |
| Signal | -0.57 |
Piotroski VR‑10 (Strict, 0-10) 2.0
| Net Income (33.7m TTM) > 0 and > 6% of Revenue (6% = 16.7m TTM) |
| FCFTA 0.01 (>2.0%) and ΔFCFTA 0.35pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -0.11% (prev -1594 %; Δ 1594 pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.01 (>3.0%) and CFO 51.9m > Net Income 33.7m (YES >=105%, WARN >=100%) |
| Net Debt (119.6m) to EBITDA (27.3m) ratio: 4.38 <= 3.0 (WARN <= 3.5) |
| Current Ratio 1.00 (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 41.72% (target <= -2.0% for YES) |
| Gross Margin 65.13% (prev 53.41%; Δ 11.71pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 6.39% (prev 4.70%; Δ 1.69pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.19 (EBITDA TTM 27.3m / Interest Expense TTM 102.3m) >= 6 (WARN >= 3) |
Altman Z'' 0.25
| (A) -0.00 = (Total Current Assets 76.0m - Total Current Liabilities 76.3m) / Total Assets 5.11b |
| (B) 0.05 = Retained Earnings (Balance) 258.6m / Total Assets 5.11b |
| (C) 0.00 = EBIT TTM 19.1m / Avg Total Assets 4.36b |
| (D) 0.05 = Book Value of Equity 243.6m / Total Liabilities 4.61b |
| Total Rating: 0.25 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 62.63
| 1. Piotroski 2.0pt = -3.0 |
| 2. FCF Yield 6.13% = 3.06 |
| 3. FCF Margin 15.81% = 3.95 |
| 4. Debt/Equity 0.55 = 2.35 |
| 5. Debt/Ebitda 9.92 = -2.50 |
| 6. ROIC - WACC 0.38% = 0.47 |
| 7. RoE 7.02% = 0.59 |
| 8. Rev. Trend 90.42% = 4.52 |
| 9. Rev. CAGR 26.15% = 2.50 |
| 10. EPS Trend data missing |
| 11. EPS CAGR 6.76% = 0.68 |
What is the price of PFIS shares?
Over the past week, the price has changed by +1.98%, over one month by -3.12%, over three months by -1.22% and over the past year by +15.02%.
Is Peoples Fin a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of PFIS is around 49.87 USD . This means that PFIS is currently overvalued and has a potential downside of -0.16%.
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 | 53.3 | 6.6% |
| Analysts Target Price | 54 | 8.1% |
| ValueRay Target Price | 56.1 | 12.3% |
Last update: 2025-08-14 02:55
PFIS Fundamental Data Overview
CCE Cash And Equivalents = 60.2m USD (Cash And Short Term Investments, last quarter)
P/E Trailing = 15.7919
P/S = 3.069
P/B = 1.0286
Beta = 0.762
Revenue TTM = 278.8m USD
EBIT TTM = 19.1m USD
EBITDA TTM = 27.3m USD
Long Term Debt = 194.7m USD (from longTermDebt, last quarter)
Short Term Debt = 76.3m USD (from shortTermDebt, last quarter)
Debt = 271.0m USD (Calculated: Short Term 76.3m + Long Term 194.7m)
Net Debt = 119.6m USD (from netDebt column, last quarter)
Enterprise Value = 719.1m USD (508.2m + Debt 271.0m - CCE 60.2m)
Interest Coverage Ratio = 0.19 (Ebit TTM 19.1m / Interest Expense TTM 102.3m)
FCF Yield = 6.13% (FCF TTM 44.1m / Enterprise Value 719.1m)
FCF Margin = 15.81% (FCF TTM 44.1m / Revenue TTM 278.8m)
Net Margin = 12.09% (Net Income TTM 33.7m / Revenue TTM 278.8m)
Gross Margin = 65.13% ((Revenue TTM 278.8m - Cost of Revenue TTM 97.2m) / Revenue TTM)
Tobins Q-Ratio = 2.95 (Enterprise Value 719.1m / Book Value Of Equity 243.6m)
Interest Expense / Debt = 8.54% (Interest Expense 23.1m / Debt 271.0m)
Taxrate = -0.35% (set to none) (from yearly Income Tax Expense: -30.0k / 8.47m)
NOPAT = unknown (EBIT/Op.Income or Taxrate missing)
Current Ratio = 1.00 (Total Current Assets 76.0m / Total Current Liabilities 76.3m)
Debt / Equity = 0.55 (Debt 271.0m / last Quarter total Stockholder Equity 494.1m)
Debt / EBITDA = 9.92 (Net Debt 119.6m / EBITDA 27.3m)
Debt / FCF = 6.15 (Debt 271.0m / FCF TTM 44.1m)
Total Stockholder Equity = 480.0m (last 4 quarters mean)
RoA = 0.66% (Net Income 33.7m, Total Assets 5.11b )
RoE = 7.02% (Net Income TTM 33.7m / Total Stockholder Equity 480.0m)
RoCE = 2.83% (Ebit 19.1m / (Equity 480.0m + L.T.Debt 194.7m))
RoIC = 0.38% (Ebit 19.1m / (Assets 5.11b - Current Assets 76.0m))
WACC = unknown (E(508.2m)/V(779.3m) * Re(9.48%)) + (D(271.0m)/V(779.3m) * Rd(8.54%) * (1-Tc(none)))
Shares Correlation 5-Years: 60.0 | Cagr: 6.94%
Discount Rate = 9.48% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 72.08% ; FCFE base≈33.9m ; Y1≈31.8m ; Y5≈29.7m
Fair Price DCF = 41.70 (DCF Value 416.8m / Shares Outstanding 9.99m; 5y FCF grow -7.86% → 3.0% )
Revenue Correlation: 90.42 | Revenue CAGR: 26.15%
Revenue Growth Correlation: 62.05%
EPS Correlation: N/A | EPS CAGR: 6.76%
EPS Growth Correlation: 72.04%
Additional Sources for PFIS Stock
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