Peoples Financial Services (NasdaqGS:PFIS) Stock Price & Quote Analysis

PFIS fundamental analysis
Snowflake Score
Valuation	5/6
Future Growth	0/6
Past Performance	5/6
Financial Health	6/6
Dividends	2/6

PFIS Stock Overview

Peoples Financial Services Corp. operates as the bank holding company for Peoples Security Bank and Trust Company that provides various commercial and retail banking services.

Rewards

Trading at 37.5% below our estimate of its fair value

Earnings grew by 28.9% over the past year

Risk Analysis

Earnings are forecast to decline by an average of 2.5% per year for the next 3 years

Unstable dividend track record

Peoples Financial Services Corp. Competitors

American National Bankshares

NasdaqGS:AMNB

US$384.0m

HomeTrust Bancshares

NasdaqGS:HTBI

US$399.4m

Red River Bancshares

NasdaqGS:RRBI

US$402.2m

Enterprise Bancorp

NasdaqGS:EBTC

US$422.0m

Price History & Performance

Summary of all time highs, changes and price drops for Peoples Financial Services
Historical stock prices
Current Share Price	US$54.75
52 Week High	US$59.99
52 Week Low	US$43.34
Beta	0.13
1 Month Change	4.59%
3 Month Change	9.06%
1 Year Change	21.69%
3 Year Change	24.46%
5 Year Change	32.70%
Change since IPO	58.70%

Recent News & Updates

Aug 04

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

Peoples Financial Services Corp. ( NASDAQ:PFIS ) has announced that it will be increasing its dividend from last year's...

Jul 29

Peoples Financial Services declares $0.40 dividend

Peoples Financial Services (NASDAQ:PFIS) declares $0.40/share quarterly dividend, 2.6% increase from prior dividend of $0.39. Forward yield 3.04% Payable Sept. 15; for shareholders of record Aug. 31; ex-div Aug. 30. See PFIS Dividend Scorecard, Yield Chart, & Dividend Growth.

Jul 21

Peoples Financial Services Non-GAAP EPS of $1.30 in-line, revenue of $27.59M beats by $0.39M

Peoples Financial Services press release (NASDAQ:PFIS): Q2 Non-GAAP EPS of $1.30 in-line. Revenue of $27.59M (+16.5% Y/Y) beats by $0.39M.

Shareholder Returns

	PFIS	US Banks	US Market
7D	1.4%	1.6%	1.4%
1Y	21.7%	-7.2%	-8.4%

Return vs Industry: PFIS exceeded the US Banks industry which returned -8.2% over the past year.

Return vs Market: PFIS exceeded the US Market which returned -9% over the past year.

Price Volatility

Is PFIS's price volatile compared to industry and market?
PFIS volatility
PFIS Average Weekly Movement	3.4%
Banks Industry Average Movement	3.6%
Market Average Movement	7.6%
10% most volatile stocks in US Market	17.1%
10% least volatile stocks in US Market	3.1%

Stable Share Price: PFIS is less volatile than 75% of US stocks over the past 3 months, typically moving +/- 3% a week.

Volatility Over Time: PFIS's weekly volatility (3%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
1905	383	Craig Best	https://www.psbt.com

Peoples Financial Services Corp. operates as the bank holding company for Peoples Security Bank and Trust Company that provides various commercial and retail banking services. The company accepts money market, NOW, 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, working capital, construction, small business administration, and agricultural loans, as well as loans for equipment and other commercial needs, and mineral rights.

Peoples Financial Services Corp. Fundamentals Summary

How do Peoples Financial Services's earnings and revenue compare to its market cap?
PFIS fundamental statistics
Market Cap	US$392.59m
Earnings (TTM)	US$44.49m
Revenue (TTM)	US$112.55m

8.8x

P/E Ratio

1.3x

P/B Ratio

Is PFIS overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report
PFIS income statement (TTM)
Revenue	US$112.55m
Cost of Revenue	US$0
Gross Profit	US$112.55m
Other Expenses	US$68.06m
Earnings	US$44.49m

Last Reported Earnings

Jun 30, 2022

Next Earnings Date

n/a

Earnings per share (EPS)	6.20
Gross Margin	100.00%
Net Profit Margin	39.53%
Debt/Equity Ratio	57.0%

How did PFIS perform over the long term?

See historical performance and comparison

Dividends

2.9%

Current Dividend Yield

25%

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 Date	Aug 30 2022
Dividend Pay Date	Sep 15 2022
Days until Ex dividend	10 days
Days until Dividend pay date	26 days