Peoples Financial Services Corp.

NasdaqGS:PFIS Stock Report

Market Cap: US$593.2m

Peoples Financial Services Management

Management criteria checks 2/4

Peoples Financial Services' CEO is Jerry Champi, appointed in Jan 2025, has a tenure of 1.42 years. total yearly compensation is $1.07M, comprised of 52.1% salary and 47.9% bonuses, including company stock and options. directly owns 0.2% of the company’s shares, worth $1.21M. The average tenure of the management team and the board of directors is 1.9 years and 4.1 years respectively.

Key information

Jerry Champi

Chief executive officer

US$1.1m

Total compensation

CEO salary percentage52.14%
CEO tenure1.4yrs
CEO ownership0.2%
Management average tenure1.9yrs
Board average tenure4.1yrs

Recent management 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...

CEO Compensation Analysis

How has Jerry Champi's remuneration changed compared to Peoples Financial Services's earnings?
DateTotal CompensationSalaryCompany Earnings
Mar 31 2026n/an/a

US$59m

Dec 31 2025US$1mUS$557k

US$59m

Sep 30 2025n/an/a

US$53m

Jun 30 2025n/an/a

US$34m

Mar 31 2025n/an/a

US$20m

Dec 31 2024US$639kUS$464k

US$8m

Compensation vs Market: Jerry's total compensation ($USD1.07M) is below average for companies of similar size in the US market ($USD2.59M).

Compensation vs Earnings: Jerry's compensation has increased by more than 20% in the past year.


CEO

Jerry Champi (65 yo)

1.4yrs
Tenure
US$1,068,323
Compensation

Mr. Gerard A. Champi, also known as Jerry, has been the Chief Executive Officer of Peoples Security Bank and Trust Company since January 1, 2025. He was Director of Peoples Security Bank and Trust Company...


Leadership Team

NamePositionTenureCompensationOwnership
Gerard Champi
CEO & President1.4yrsUS$1.07m0.20%
$ 1.2m
James Bone
Executive VP & CFO1.3yrsUS$612.37k0.11%
$ 649.3k
John Anderson
Executive VP & COO1.3yrsUS$545.71k0.087%
$ 513.9k
Timothy Kirtley
Executive VP6.2yrsUS$662.35k0.068%
$ 405.4k
Jeffrey Drobins
Executive VP & Chief Lending Officer3.7yrsUS$1.04m0.055%
$ 328.6k
James Chiaro
Executive VP & Chief Investment Services Officer1.9yrsno data0.039%
$ 229.5k
Stephanie Westington
Executive VP & Chief Accounting Officer1.2yrsno data0.033%
$ 195.8k
Susan Hubble
Executive VP & Chief Information Officer6.5yrsno data0.046%
$ 274.7k
Marie Luciani
Investor Relations Officer & Assistant Secretary12.4yrsno datano data
Mary Cummings
Executive VP & General Counsel1.9yrsno data0.068%
$ 401.8k
Amy Vieney
Executive VP & Chief Human Resource Officer4yrsno data0.0076%
$ 44.9k
Joseph Ferretti
Northeast Market Presidentno dataUS$340.25kno data
1.9yrs
Average Tenure
60yo
Average Age

Experienced Management: PFIS's management team is not considered experienced ( 1.9 years average tenure), which suggests a new team.


Board Members

NamePositionTenureCompensationOwnership
Louis DeNaples
Independent Vice Chairman of the Board1.9yrsUS$67.48k3.43%
$ 20.4m
William Conaboy
Independent Director1.9yrsUS$68.98k0.037%
$ 218.3k
Keith Eckel
Independent Director1.9yrsUS$74.98k0.16%
$ 946.7k
James Nicholas
Independent Director12.6yrsUS$77.99k0.31%
$ 1.8m
Richard Lochen
Independent Director23.4yrsUS$81.63k0.24%
$ 1.4m
Sandra Bodnyk
Independent Director6.3yrsUS$80.44k0.055%
$ 325.0k
William Aubrey
Independent Chairman of the Board20.4yrsUS$92.65k0.56%
$ 3.3m
Ronald Kukuchka
Independent Director19.1yrsUS$75.46k0.33%
$ 2.0m
Joseph Wright
Independent Director16.8yrsUS$78.39k0.44%
$ 2.6m
Thomas Melone
Independent Director1.9yrsUS$82.48k0.030%
$ 180.9k
Kathleen Lambert
Independent Director1.9yrsUS$75.98k0.037%
$ 218.6k
Joseph DeNaples
Independent Director1.9yrsUS$74.48k0.54%
$ 3.2m
4.1yrs
Average Tenure
69yo
Average Age

Experienced Board: PFIS's board of directors are considered experienced (4.1 years average tenure).


Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/06/03 04:52
End of Day Share Price 2026/06/03 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.