Peoples Financial Services Corp.

NasdaqGS:PFIS Stock Report

Market Cap: US$593.2m

Peoples Financial Services Past Earnings Performance

Past criteria checks 4/6

Peoples Financial Services's earnings have been declining at an average annual rate of -0.4%, while the Banks industry saw earnings growing at 3.1% annually. Revenues have been growing at an average rate of 12.5% per year. Peoples Financial Services's return on equity is 11.2%, and it has net margins of 31%.

Key information

-0.38%

Earnings growth rate

-9.06%

EPS growth rate

Banks Industry Growth11.18%
Revenue growth rate12.53%
Return on equity11.21%
Net Margin30.95%
Last Earnings Update31 Mar 2026

Recent past performance 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...

Revenue & Expenses Breakdown

How Peoples Financial Services makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

NasdaqGS:PFIS Revenue, expenses and earnings (USD Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
31 Mar 2619059930
31 Dec 2518859900
30 Sep 2518353890
30 Jun 2516634870
31 Mar 2513920790
31 Dec 241158720
30 Sep 24966650
30 Jun 249117570
31 Mar 249723570
31 Dec 2310027560
30 Sep 2310633560
30 Jun 2310936560
31 Mar 2310836550
31 Dec 2210838540
30 Sep 2211545510
30 Jun 2211344490
31 Mar 2210944470
31 Dec 2110944450
30 Sep 219735450
30 Jun 219635450
31 Mar 219434450
31 Dec 208929460
30 Sep 208526460
30 Jun 208325460
31 Mar 208325460
31 Dec 198526460
30 Sep 198627450
30 Jun 198427440
31 Mar 198225430
31 Dec 188125420
30 Sep 187921420
30 Jun 187820410
31 Mar 187920410
31 Dec 177818400
30 Sep 177721400
30 Jun 177620380
31 Mar 177320360
31 Dec 167320350
30 Sep 167119320
30 Jun 167018320
31 Mar 166918320
31 Dec 156918340
30 Sep 156918310
30 Jun 157019300

Quality Earnings: PFIS has high quality earnings.

Growing Profit Margin: PFIS's current net profit margins (31%) are higher than last year (14.4%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: PFIS's earnings have declined by 0.4% per year over the past 5 years.

Accelerating Growth: PFIS's earnings growth over the past year (194%) exceeds its 5-year average (-0.4% per year).

Earnings vs Industry: PFIS earnings growth over the past year (194%) exceeded the Banks industry 22.8%.

Return on Equity

High ROE: PFIS's Return on Equity (11.2%) is considered low.

Return on Assets

Return on Capital Employed

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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.