Peoples Financial Services Corp. (PFIS)

Price$60.12

Value ScoreC

Growth ScoreC

Momentum ScoreC

Favorite Metrics

Price vs S&P 500 (26W)15.30%

Price vs S&P 500 (4W)1.31%

VGM Score51.15

Market Capitalization$601.85M

P/E Ratio (Annual)10.17x

Indicated Dividend Yield (Annual)4.20%

All Metrics

P/CF (Annual)11.09x

Book Value / Share (Quarterly)$52.50

P/TBV (Annual)0.99x

Indicated Dividend (Annual)$2.50

Revenue Growth (3Y)6.04%

Cash Flow / Share (Quarterly)$4.12

Payout Ratio (TTM)41.97%

Price vs S&P 500 (YTD)15.27%

Net Profit Margin (TTM)31.94%

EPS (TTM)$5.85

10-Day Avg Trading Volume0.04M

EPS Excl Extra (TTM)$5.85

Revenue Growth (5Y)8.44%

EPS (Annual)$5.88

Dividend / Share (Annual)$2.47

ROI (Annual)9.68%

Net Profit Margin (5Y Avg)32.99%

Cash / Share (Quarterly)$5.58

P/E Basic Excl Extra (TTM)10.21x

Revenue Growth QoQ (YoY)32.62%

EPS Growth (5Y)7.84%

P/E Normalized (Annual)10.17x

ROA (Last FY)1.12%

Revenue Growth TTM (YoY)36.85%

EBITD / Share (TTM)$6.65

ROE (5Y Avg)9.22%

Operating Margin (TTM)37.98%

Cash Flow / Share (Annual)$4.34

P/B Ratio1.15x

P/B Ratio (Quarterly)1.02x

Net Income / Employee (Annual)$108,200

ROA (TTM)1.12%

EPS Growth QoQ (YoY)-1.61%

EV / EBITDA (TTM)9.02x

EPS Incl Extra (Annual)$5.88

3-Month Avg Trading Volume0.05M

52-Week Price Return26.41%

EV / Free Cash Flow (Annual)16.00x

P/E Incl Extra (TTM)10.21x

Tangible BV / Share (Quarterly)$49.76

P/S Ratio (Annual)2.81x

52-Week High$60.98

EPS Excl Extra (Annual)$5.88

CapEx CAGR (5Y)36.71%

Tangible BV CAGR (5Y)9.27%

26-Week Price Return23.22%

13-Week Price Return12.35%

Total Debt / Equity (Annual)0.18x

Enterprise Value$693.31M

Revenue / Share Growth (5Y)5.93%

Book Value / Share Growth (5Y)3.40%

Revenue / Employee (Annual)$282,028,800,000

Pretax Margin (Annual)42.16%

Cash / Share (Annual)$5.26

3-Month Return Std Dev26.06%

Net Income / Employee (TTM)$107,700

EBITDA CAGR (5Y)10.19%

EBITDA Interim CAGR (5Y)6.57%

ROE (Last FY)11.39%

EPS Basic Excl Extra (Annual)$5.88

P/FCF (TTM)14.59x

EV / Free Cash Flow (TTM)16.81x

Total Debt / Equity (Quarterly)0.17x

EPS Incl Extra (TTM)$5.85

ROI (TTM)9.76%

Dividend Growth Rate (5Y)11.34%

P/S Ratio (TTM)2.94x

Pretax Margin (5Y Avg)38.83%

Revenue / Share (Annual)$14.92

Tangible BV / Share (Annual)$49.12

Forward P/E8.73x

Free OCF CAGR (5Y)4.43%

Price vs S&P 500 (52W)2.04%

P/E Ratio (TTM)10.21x

EPS Growth TTM (YoY)174.67%

Year-to-Date Return23.42%

5-Day Price Return3.58%

EPS Normalized (Annual)$5.88

ROA (5Y Avg)0.88%

Net Profit Margin (Annual)35.40%

Month-to-Date Return1.20%

Cash Flow / Share (TTM)$5.04

EBITD / Share (Annual)$7.50

EPS Growth (3Y)3.55%

Operating Margin (Annual)42.16%

LT Debt / Equity (Annual)0.18x

P/CF (TTM)11.25x

ROI (5Y Avg)8.26%

P/E Excl Extra (TTM)10.21x

LT Debt / Equity (Quarterly)0.17x

EPS Basic Excl Extra (TTM)$5.85

P/TBV (Quarterly)1.07x

Payout Ratio (Annual)41.63%

P/B Ratio (Annual)0.94x

Dividend / Share (TTM)$2.47

Pretax Margin (TTM)37.98%

Book Value / Share (Annual)$52.01

Price vs S&P 500 (13W)4.10%

Net Margin Growth (5Y)-6.44%

Dividend Yield (TTM)4.11%

Beta0.75x

P/FCF (Annual)13.89x

Revenue / Share (TTM)$14.35

ROE (TTM)11.50%

52-Week Low$43.64

vGradeC

gGradeC

mGradeC

vgmGradeC

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Earnings Surprise History

Q1 261.43est. 1.55

Analyst Recommendations

Feb 2026

Mar 2026

Apr 2026

May 2026

2.29

Industry Peers — National Banks(117)

Symbol	Value Score	Growth Score	Momentum Score	Price
PFISPeoples Financial Services Corp.	C	C	C	$60.12
JPMJPMorgan Chase & Co.	D	C	C	$312.37
BACBank of America Corporation	C	C	C	$53.83
WFCWells Fargo & Co.	D	C	D	$81.94
CCitigroup Inc.	C	C	A	$132.47
MFGMizuho Financial Group, Inc. American Depositary Shares (Each representing one-fifth of an Ordinary Share)	D	B	A	$9.52
UBSUBS Group AG	C	C	B	$47.01
COFCapital One Financial	C	D	F	$180.67
PNCPNC Financial Services Group	D	C	B	$228.37
USBU.S. Bancorp	B	C	C	$55.69
TFCTruist Financial Corporation	B	C	C	$49.20

About

Peoples Financial Services Corp is a Pennsylvania-based bank holding company offering a comprehensive range of financial services through its subsidiaries. The company provides deposit products including checking, savings, and money market accounts, alongside consumer and commercial lending services. Its loan portfolio spans commercial real estate, municipal loans, residential mortgages, and consumer lending, while also offering payment processing and card services.