(PFIS) Peoples Fin - NASDAQ
Sector: Financial Services | Industry: Banks - Regional | Exchange: NASDAQ (USA) | Market Cap: 623m USD | Total Return: 38.3% in 12m
Avg Turnover: 3.11M
EPS Trend: 49.1%
Qual. Beats: 0
Rev. Trend: 96.9%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
Avwap Ph Week
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: 58.9m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.10 > 1.0 |
| NWC/Revenue: -35.74% < 20% (prev -1.56k%; Δ 1.52k% < -1%) |
| CFO/TA 0.01 > 3% & CFO 53.5m > Net Income 58.9m |
| Net Debt (254.6m) to EBITDA (83.0m): 3.07 < 3 |
| Current Ratio: 0.43 > 1.5 & < 3 |
| Outstanding Shares: last quarter (10.0m) vs 12m ago -0.14% < -2% |
| Gross Margin: 67.02% > 18% (prev 54.07%; Δ 12.95% > 0.5%) |
| Asset Turnover: 5.47% > 50% (prev 5.11%; Δ 0.36% > 0%) |
| Interest Coverage Ratio: 0.78 > 6 (EBIT TTM 72.5m / Interest Expense TTM 92.7m) |
| A: -0.02 (Total Current Assets 77.5m - Total Current Liabilities 179.3m) / Total Assets 5.42b |
| B: 0.05 (Retained Earnings 282.0m / Total Assets 5.42b) |
| C: 0.01 (EBIT TTM 72.5m / Avg Total Assets 5.21b) |
| D: 0.11 (Book Value of Equity 525.5m / Total Liabilities 4.90b) |
| Altman-Z'' = 0.25 = B |
| DSRI: 0.98 (Receivables 18.0m/16.4m, Revenue 285.0m/255.4m) |
| GMI: 0.81 (GM 54.07% / 67.02%) |
| AQI: 1.06 (AQ_t 0.97 / AQ_t-1 0.91) |
| SGI: 1.12 (Revenue 285.0m / 255.4m) |
| TATA: 0.00 (NI 58.9m - CFO 53.5m) / TA 5.42b) |
| Beneish M = -3.10 (Cap -4..+1) = AA |
As of June 24, 2026, the stock is trading at USD 64.24 with a total of 49,077 shares traded. Over the past week, the price has changed by +2.92%, over one month by +8.01%, over three months by +23.04% and over the past year by +38.33%.
Current recommended Stop Loss: 61.70 (which is 4% or 1.4 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 | 62 | -3.5% |
P/E Trailing = 10.6212
P/E Forward = 15.083
P/S = 3.2731
P/B = 1.1898
P/EG = 1.3122
Revenue TTM = 285.0m USD
EBIT TTM = 72.5m USD
EBITDA TTM = 83.0m USD
Long Term Debt = 226.2m USD (from longTermDebt, last quarter)
Short Term Debt = 179.3m USD (from shortTermDebt, last quarter)
Debt = 314.1m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 254.6m USD (calculated: Debt 314.1m - CCE 59.5m)
Enterprise Value = 877.7m USD (623.1m + Debt 314.1m - CCE 59.5m)
Interest Coverage Ratio = 0.78 (Ebit TTM 72.5m / Interest Expense TTM 92.7m)
EV/FCF = 21.27x (Enterprise Value 877.7m / FCF TTM 41.3m)
FCF Yield = 4.70% (FCF TTM 41.3m / Enterprise Value 877.7m)
FCF Margin = 14.48% (FCF TTM 41.3m / Revenue TTM 285.0m)
Net Margin = 20.68% (Net Income TTM 58.9m / Revenue TTM 285.0m)
Gross Margin = 67.02% ((Revenue TTM 285.0m - Cost of Revenue TTM 94.0m) / Revenue TTM)
Gross Margin QoQ = 67.57% (prev 64.94%)
Tobins Q-Ratio = 0.16 (Enterprise Value 877.7m / Total Assets 5.42b)
Interest Expense / Debt = 29.51% (Interest Expense 92.7m / Debt 314.1m)
Taxrate = 18.72% (13.6m / 72.5m)
NOPAT = 58.9m (EBIT 72.5m * (1 - 18.72%))
Current Ratio = 0.43 (Total Current Assets 77.5m / Total Current Liabilities 179.3m)
Debt / Equity = 0.60 (Debt 314.1m / totalStockholderEquity, last quarter 525.5m)
Debt / EBITDA = 3.07 (Net Debt 254.6m / EBITDA 83.0m)
Debt / FCF = 6.17 (Net Debt 254.6m / FCF TTM 41.3m)
Total Stockholder Equity = 512.2m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.13% (Net Income 58.9m / Total Assets 5.42b)
RoE = 11.50% (Net Income TTM 58.9m / Total Stockholder Equity 512.2m)
RoCE = 9.82% (EBIT 72.5m / Capital Employed (Equity 512.2m + L.T.Debt 226.2m))
RoIC = 1.09% (NOPAT 58.9m / Invested Capital 5.41b)
WACC = 13.62% (E(623.1m)/V(937.1m) * Re(8.39%) + D(314.1m)/V(937.1m) * Rd(29.51%) * (1-Tc(0.19)))
Discount Rate = 8.39% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 60.0 | Cagr: 16.66%
[DCF] Terminal Value 62.86% ; FCFF base≈38.0m ; Y1≈43.6m ; Y5≈64.1m
[DCF] Fair Price = 24.20 (EV 496.9m - Net Debt 254.6m = Equity 242.3m / Shares 10.0m; r=13.62% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 49.06 | EPS CAGR: 15.12% | SUE: -0.35 | # QB: 0
Revenue Correlation: 96.86 | Revenue CAGR: 33.70% | SUE: 0.68 | # QB: 0
EPS current Quarter (2026-06-30): EPS=1.62 | Chg30d=+0.62% | Revisions=+0% | Analysts=2
EPS next Quarter (2026-09-30): EPS=1.69 | Chg30d=+0.60% | Revisions=+0% | Analysts=2
EPS current Year (2026-12-31): EPS=6.46 | Chg30d=-1.07% | Revisions=-20% | GrowthEPS=+6.5% | GrowthRev=+11.2%
EPS next Year (2027-12-31): EPS=7.30 | Chg30d=+0.97% | Revisions=+33% | GrowthEPS=+12.9% | GrowthRev=+6.5%
[Analyst] Revisions Ratio: +33%