Peoples Financial Services Corp. (PFIS)

PFIS Statistics

Total Valuation

PFIS has a market cap or net worth of $558.00 million. The enterprise value is $548.41 million.

Market Cap	558.00M
Enterprise Value	548.41M

Important Dates

The last earnings date was Friday, January 30, 2026, after market close.

Earnings Date	Jan 30, 2026
Ex-Dividend Date	Feb 27, 2026

Share Statistics

PFIS has 9.99 million shares outstanding. The number of shares has increased by 17.33% in one year.

Current Share Class	9.99M
Shares Outstanding	9.99M
Shares Change (YoY)	+17.33%
Shares Change (QoQ)	-0.04%
Owned by Insiders (%)	8.69%
Owned by Institutions (%)	30.86%
Float	9.12M

Valuation Ratios

The trailing PE ratio is 9.49 and the forward PE ratio is 8.60.

PE Ratio	9.49
Forward PE	8.60
PS Ratio	2.98
Forward PS	2.75
PB Ratio	1.08
P/TBV Ratio	1.34
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	9.27
EV / Sales	2.92
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	n/a
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 11.97%.

Return on Equity (ROE)	11.97%
Return on Assets (ROA)	1.14%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	5.82%
Revenue Per Employee	$348,682
Profits Per Employee	$110,013
Employee Count	538
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, PFIS has paid $13.05 million in taxes.

Income Tax	13.05M
Effective Tax Rate	18.06%

Stock Price Statistics

The stock price has increased by +8.30% in the last 52 weeks. The beta is 0.77, so PFIS's price volatility has been lower than the market average.

Beta (5Y)	0.77
52-Week Price Change	+8.30%
50-Day Moving Average	51.13
200-Day Moving Average	49.60
Relative Strength Index (RSI)	68.42
Average Volume (20 Days)	24,797

Short Selling Information

The latest short interest is 111,401, so 1.11% of the outstanding shares have been sold short.

Short Interest	111,401
Short Previous Month	96,411
Short % of Shares Out	1.11%
Short % of Float	1.22%
Short Ratio (days to cover)	5.32

Income Statement

In the last 12 months, PFIS had revenue of $187.59 million and earned $59.19 million in profits. Earnings per share was $5.88.

Revenue	187.59M
Gross Profit	187.59M
Operating Income	82.16M
Pretax Income	72.23M
Net Income	59.19M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$5.88

Balance Sheet

The company has $268.98 million in cash and $258.40 million in debt, with a net cash position of $10.58 million or $1.06 per share.

Cash & Cash Equivalents	268.98M
Total Debt	258.40M
Net Cash	10.58M
Net Cash Per Share	$1.06
Equity (Book Value)	519.85M
Book Value Per Share	52.01
Working Capital	-4.19B

Cash Flow

Operating Cash Flow	n/a
Capital Expenditures	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

Margins

Gross Margin	n/a
Operating Margin	43.79%
Pretax Margin	38.51%
Profit Margin	31.55%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of $2.50, which amounts to a dividend yield of 4.48%.

Dividend Per Share	$2.50
Dividend Yield	4.48%
Dividend Growth (YoY)	9.50%
Years of Dividend Growth	9
Payout Ratio	42.13%
Buyback Yield	-17.33%
Shareholder Yield	-12.85%
Earnings Yield	10.59%
FCF Yield	n/a

Analyst Forecast

The average price target for PFIS is $56.00, which is 0.30% higher than the current price. The consensus rating is "Hold".

Price Target	$56.00
Price Target Difference	0.30%
Analyst Consensus	Hold
Analyst Count	1
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

This stock does not have any record of stock splits.

Last Split Date	n/a
Split Type	n/a
Split Ratio	n/a

Scores

Altman Z-Score	n/a
Piotroski F-Score	2