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Peoples Financial Services Corp.NasdaqGS:PFIS Stock Report

Market Cap US$629.8m
Share Price
US$62.78
US$62
1.3% overvalued intrinsic discount
1Y27.7%
7D5.5%
1D
Portfolio Value
View

Peoples Financial Services Corp.

NasdaqGS:PFIS Stock Report

Market Cap: US$629.8m

Peoples Financial Services (PFIS) Stock Overview

Operates as the bank holding company for Peoples Security Bank and Trust Company that provides commercial and retail banking services in Pennsylvania, New Jersey and New York. More details

PFIS fundamental analysis
Snowflake Score
Valuation3/6
Future Growth1/6
Past Performance4/6
Financial Health6/6
Dividends4/6

PFIS Community Fair Values

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See what 14 others think this stock is worth. Follow their fair value or set your own to get alerts.

Peoples Financial Services Corp. Competitors

Price History & Performance

Summary of share price highs, lows and changes for Peoples Financial Services
Historical stock prices
Current Share PriceUS$62.78
52 Week HighUS$63.69
52 Week LowUS$43.64
Beta0.76
1 Month Change9.26%
3 Month Change20.20%
1 Year Change27.73%
3 Year Change42.07%
5 Year Change38.89%
Change since IPO81.97%

Recent News & Updates

Recent updates

Seeking Alpha Mar 09

Peoples Financial Services Isn't Ready For A Downgrade Just Yet

Summary Peoples Financial Services remains a soft "Buy" due to improved valuation, solid financial performance, and deliberate balance sheet management. PFIS has grown organic deposits and reduced high-cost brokered deposits, though uninsured deposit exposure has risen to 34.3%. Net interest income and margin improved, with net profits rising significantly; credit quality metrics have strengthened, notably non-performing assets dropping to 0.23%. PFIS trades at a 9x P/E, just above book value, and while returns lag peers, asset quality and valuation support continued optimism. Read the full article on Seeking Alpha
Analysis Article Feb 05

Peoples Financial Services' (NASDAQ:PFIS) Shareholders Will Receive A Bigger Dividend Than Last Year

Peoples Financial Services Corp.'s ( NASDAQ:PFIS ) dividend will be increasing from last year's payment of the same...
Analysis Article Jul 31

Peoples Financial Services (NASDAQ:PFIS) Has Announced A Dividend Of $0.6175

The board of Peoples Financial Services Corp. ( NASDAQ:PFIS ) has announced that it will pay a dividend of $0.6175 per...
Seeking Alpha Mar 13

Not Impressed By Peoples Financial Services Corp

Summary Peoples Financial Services Corp., with a market cap of $487.9 million, is valued at comfortable levels due to rapid growth and acquisition expectations, despite mediocre asset quality. The firm's recent acquisition of FNCB Bancorp significantly boosted its balance sheet, expanding deposits and loans, particularly in commercial real estate. Despite stable net interest income and rising non-interest income, net profit fell due to acquisition-related costs and increased expenses. While shares are reasonably priced and 2025 looks promising, asset quality and declining net interest margin justify a “hold” rating. Read the full article on Seeking Alpha
Seeking Alpha Nov 05

Peoples Financial Services: A New Chapter For This High-Yield Bank

Summary Peoples Financial Services, post-merger with FNCB Bancorp, now operates 39 branches across Pennsylvania, New Jersey, and New York, with $5.5 billion in assets. Despite recent earnings declines, the bank's 5.4% dividend yield and strong asset quality make it an attractive buy in a favorable rate environment. The bank is in a transition phase with new leadership and ongoing integration expenses, but the electronic banking network conversion is a positive sign. Given the sector's projected strength and the bank's high yield, buying shares on weakness is recommended, with a focus on dividend reinvestment. Read the full article on Seeking Alpha
Analysis Article May 12

Peoples Financial Services Corp. Just Missed EPS By 18%: Here's What Analysts Think Will Happen Next

The analysts might have been a bit too bullish on Peoples Financial Services Corp. ( NASDAQ:PFIS ), given that the...
Analysis Article May 10

Bearish: Analysts Just Cut Their Peoples Financial Services Corp. (NASDAQ:PFIS) Revenue and EPS estimates

Market forces rained on the parade of Peoples Financial Services Corp. ( NASDAQ:PFIS ) shareholders today, when the...
Analysis Article May 02

Peoples Financial Services (NASDAQ:PFIS) Has Affirmed Its Dividend Of $0.41

Peoples Financial Services Corp. ( NASDAQ:PFIS ) will pay a dividend of $0.41 on the 14th of June. Based on this...
Analysis Article Feb 01

Peoples Financial Services (NASDAQ:PFIS) Has Announced A Dividend Of $0.41

Peoples Financial Services Corp.'s ( NASDAQ:PFIS ) investors are due to receive a payment of $0.41 per share on 15th of...
Analysis Article Nov 02

Peoples Financial Services (NASDAQ:PFIS) Is Due To Pay A Dividend Of $0.41

The board of Peoples Financial Services Corp. ( NASDAQ:PFIS ) has announced that it will pay a dividend of $0.41 per...
Analysis Article Aug 28

Peoples Financial Services' (NASDAQ:PFIS) Dividend Will Be $0.41

The board of Peoples Financial Services Corp. ( NASDAQ:PFIS ) has announced that it will pay a dividend of $0.41 per...
Analysis Article Aug 03

Peoples Financial Services (NASDAQ:PFIS) Has Announced A Dividend Of $0.41

The board of Peoples Financial Services Corp. ( NASDAQ:PFIS ) has announced that it will pay a dividend of $0.41 per...
Analysis Article May 04

Peoples Financial Services' (NASDAQ:PFIS) Shareholders Will Receive A Bigger Dividend Than Last Year

Peoples Financial Services Corp. ( NASDAQ:PFIS ) will increase its dividend from last year's comparable payment on the...
Analysis Article Feb 03

Peoples Financial Services' (NASDAQ:PFIS) Upcoming Dividend Will Be Larger Than Last Year's

Peoples Financial Services Corp. ( NASDAQ:PFIS ) will increase its dividend from last year's comparable payment on the...

Shareholder Returns

PFISUS BanksUS Market
7D5.5%3.9%-4.1%
1Y27.7%21.7%20.6%

Return vs Industry: PFIS exceeded the US Banks industry which returned 21.7% over the past year.

Return vs Market: PFIS exceeded the US Market which returned 20.6% over the past year.

Price Volatility

Is PFIS's price volatile compared to industry and market?
PFIS volatility
PFIS Average Weekly Movement3.6%
Banks Industry Average Movement3.3%
Market Average Movement7.2%
10% most volatile stocks in US Market16.6%
10% least volatile stocks in US Market3.1%

Stable Share Price: PFIS has not had significant price volatility in the past 3 months compared to the US market.

Volatility Over Time: PFIS's weekly volatility (4%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
1905565Jerry Champiwww.psbt.com

Peoples Financial Services Corp. operates as the bank holding company for Peoples Security Bank and Trust Company that provides commercial and retail banking services in Pennsylvania, New Jersey and New York. The company accepts deposits through money market, negotiable order of withdrawal, savings, individual retirement, demand deposit, and certificates of deposit accounts. It also provides residential real estate, automobile, manufactured housing, personal, and home equity loans; and commercial real estate and working capital, as well as loans for equipment and other commercial needs.

Peoples Financial Services Corp. Fundamentals Summary

How do Peoples Financial Services's earnings and revenue compare to its market cap?
PFIS fundamental statistics
Market capUS$629.78m
Earnings (TTM)US$58.93m
Revenue (TTM)US$190.37m
10.7x
P/E Ratio
1.2x
P/B Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
PFIS income statement (TTM)
RevenueUS$190.37m
Cost of RevenueUS$0
Gross ProfitUS$190.37m
Other ExpensesUS$131.44m
EarningsUS$58.93m

Last Reported Earnings

Mar 31, 2026

Next Earnings Date

n/a

Earnings per share (EPS)5.89
Gross Margin100.00%
Net Profit Margin30.95%
Debt/Equity Ratio79.9%

How did PFIS perform over the long term?

See historical performance and comparison

Dividends

4.0%
Current Dividend Yield
42%
Payout Ratio

Does PFIS pay a reliable dividends?

See PFIS dividend history and benchmarks
When do you need to buy PFIS by to receive an upcoming dividend?
Peoples Financial Services dividend dates
Ex Dividend DateMay 29 2026
Dividend Pay DateJun 15 2026
Days until Ex dividend14 days
Days until Dividend pay date3 days

Does PFIS pay a reliable dividends?

See PFIS dividend history and benchmarks

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/06/11 22:53
End of Day Share Price 2026/06/11 00:00
Earnings2026/03/31
Annual Earnings2025/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Peoples Financial Services Corp. is covered by 3 analysts. 2 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
David BishopHovde Group, LLC
null nullStephens, Inc.
Matthew BreeseStephens, Inc.