PFIS logo

PEOPLES FINANCIAL SERVICES

PFISNASDAQ
πŸ† #2591 by market capEarnings Oct 29US Equity
$71.52β–² $1.34 (+1.88%)
Live
1hβ€”
24hβ–² 1.9%
7dβ–Ό 0.5%
14dβ–Ό 1.1%
30dβ–² 7.2%
1yβ–² 46.7%
🏦Market Cap
$716M
Small Cap
πŸ“ˆRevenue Growth (YoY)
+22.3%
Healthy
πŸ“ŠGross Margin
66.5%
High
πŸ’΅FCF Margin
14.6%
Healthy
βš–οΈP/S Ratio
2.5x
Cheap
Otter Score
45
Weak

Trading Snapshot

Day Range
$70.62 – $72.30
52-Week Range
$43.64 – $73.37
Volume
$2.66B
Avg Volume
$2.72B
Shares Outstanding
10.0M
Next Earnings
Oct 8, 2026

Fundamentals Snapshot

Annual Revenue
$281M
Last Q Revenue
$74M
P/E Ratio
12.6
P/S Ratio
2.5x
EPS (TTM)
$5.67
Dividend Yield
3.47%

Why Investors Own PFIS

  • βœ“High-growth profile β€” revenue up +38.6% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 76% gross margin and 13% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

Financial Trends

Revenue (TTM)
$281Mβ–² +36.7% YoY
Gross Margin (TTM)
75.6%β–² +0.8% YoY
Operating Income (TTM)
$87Mβ–² +36.7% YoY
Free Cash Flow (TTM)
$37Mβ–² +36.7% YoY

About PEOPLES FINANCIAL SERVICES

Peoples Financial Services Corp. functions as the holding company for Peoples Security Bank and Trust Company, delivering a comprehensive suite of commercial and retail banking solutions. Its deposit offerings encompass demand deposit accounts (including NOW and small business checking), money market and savings accounts, individual retirement accounts (IRAs), and various certificates of deposit. The company's lending portfolio is extensive, covering residential needs such as mortgages, auto, personal, manufactured housing, and home equity loans. For commercial clients, it extends financing for real estate, working capital, construction, equipment, agricultural ventures, mineral rights, and Small Business Administration (SBA) initiatives. Beyond traditional banking, the corporation delivers a range of wealth management and trust services. These encompass investment management, various trust arrangements (IRA, estate administration, living, life insurance, testamentary, guardianship, corporate, custodial), and administration of pension and profit-sharing schemes. Financial advisory offerings include investment portfolio oversight, strategic estate and business succession planning, retirement and tax planning, and education funding strategies. It also facilitates annuities, insurance products, securities, brokerage, and broader investor services. For businesses, specialized services extend to small business checking, merchant money market accounts, business credit cards, and lines of credit, complemented by online and telephone banking, and financial checkup services. Operational support for all clients includes remote deposit capture, Automatic Clearing House (ACH) transactions, cash management, automated teller machines (ATMs), point-of-sale services, safe deposit boxes, night depositories, direct deposit, and official checks. Its diverse customer base includes individual consumers, businesses, non-profit organizations, governmental bodies, municipal agencies, and professionals. With 28 full-service community banking branches, the company maintains a significant presence across Allegheny, Bucks, Lackawanna, Lebanon, Lehigh, Luzerne, Monroe, Montgomery, Northampton, Susquehanna, and Wyoming Counties in Pennsylvania, as well as Middlesex County in New Jersey, and Broome County in New York. Established in 1905, the institution is headquartered in Scranton, Pennsylvania.

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Otter Score Breakdown

β“˜
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
Overall Score
Weak
45/100

Analyst Price Target

β“˜
Average Target
$89.65
β–² +25.3% Upside
High Target$102.49
Low Target$83.73
Based on 33 analysts

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