PFIS Stock Analysis: Peoples Fin | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 688m USD | 12M Return: 50.3% | US7110401053 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 3.79M
EPS Trend: 69.5%
Qual. Beats: 0
Rev. Trend: 95.0%
Qual. Beats: 0
Warnings
Tailwinds
Seasonality 11.7 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 a bank holding company headquartered in Moosic, Pennsylvania, operating through its subsidiary, Peoples Security Bank and Trust Company, which has served customers since 1905. The company delivers commercial and retail banking services across Pennsylvania, New Jersey, and New York, accepting a range of deposit products (money market, NOW, savings, IRAs, demand deposits, and CDs) and originating residential mortgages, consumer loans (auto, manufactured housing, personal, home equity), and commercial loans (CRE, working capital, equipment financing).
Beyond core lending and deposit-taking, the company generates fee income through fiduciary and investment services-acting as trustee, executor, guardian, and custodian-and through wealth management offerings that include portfolio management, estate and business succession planning, annuities, insurance, retirement plans, and tax and education funding strategies. It also provides cash management tools (remote deposit capture, ACH, positive pay) and delivers securities and brokerage services to retail customers.
As a community-oriented regional bank in the Financials sector, PFIS primarily serves small and mid-sized businesses, non-profits, governmental and municipal agencies, professionals, and retail consumers within its three-state footprint. Regional banks of this type typically compete on local relationship banking, deposit gathering, and commercial lending rather than on the scale-driven consumer finance models of money-center banks, and their earnings are heavily tied to net interest margin and credit quality in their local markets.
- Net interest margin compresses as Fed cuts rates
- Commercial real estate concentration raises credit risk concerns
- Loan growth across commercial and residential segments accelerates
| Net Income: 56.8m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.04 > 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 October 06, 2026, the stock is trading at USD 69.08 with a total of 40,471 shares traded. Over the past week, the price has changed by -0.40%, over one month by -2.77%, over three months by +3.39% and over the past year by +50.27%.
Current recommended Stop Loss: 66.70 (which is 3.4% 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 | 73.5 | 6.4% |
P/E Trailing = 12.1699
P/E Forward = 15.083
P/S = 3.6091
P/B = 1.3239
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 = 944.8m USD (688.3m + Debt 331.4m - CCE 74.9m)
Interest Coverage Ratio = 0.77 (Ebit TTM 70.5m / Interest Expense TTM 91.7m)
EV/FCF = 21.04x (Enterprise Value 944.8m / FCF TTM 44.9m)
FCF Yield = 4.75% (FCF TTM 44.9m / Enterprise Value 944.8m)
FCF Margin = 15.61% (FCF TTM 44.9m / 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 = 0.17 (Enterprise Value 944.8m / 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 = 5.71 (Net Debt 256.5m / FCF TTM 44.9m)
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 = 12.52% (E(688.3m)/V(1.02b) * Re(7.82%) + D(331.4m)/V(1.02b) * Rd(27.67%) * (1-Tc(0.19)))
Discount Rate = 7.82% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 69.58 | Cagr: 16.61%
[DCF] Terminal Value 64.13% ; FCFF base≈43.1m ; Y1≈47.3m ; Y5≈60.0m
[DCF] Fair Price = 27.35 (EV 530.3m - Net Debt 256.5m = Equity 273.8m / Shares 10.0m; r=12.52% [WACC]; 5y FCF grow 11.36% → 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=1.71 | Chg30d=-1.44% | Revisions=+0% | Analysts=2
EPS current Year (2026-12-31): EPS=6.30 | Chg30d=-1.02% | Revisions=-40% | GrowthEPS=+3.9% | GrowthRev=+11.7%
EPS next Year (2027-12-31): EPS=7.20 | Chg30d=-2.51% | Revisions=+40% | GrowthEPS=+14.2% | GrowthRev=+6.9%
[Analyst] Revisions Ratio: +0% (up=3, down=3)