Peoples Financial Services Corp. (PFIS)

PFIS Statistics

Total Valuation

PFIS has a market cap or net worth of $567.69 million. The enterprise value is $644.61 million.

Market Cap	567.69M
Enterprise Value	644.61M

Important Dates

The last earnings date was Thursday, April 30, 2026, after market close.

Earnings Date	Apr 30, 2026
Ex-Dividend Date	May 29, 2026

Share Statistics

PFIS has 10.01 million shares outstanding. The number of shares has increased by 8.04% in one year.

Current Share Class	10.01M
Shares Outstanding	10.01M
Shares Change (YoY)	+8.04%
Shares Change (QoQ)	-0.53%
Owned by Insiders (%)	8.37%
Owned by Institutions (%)	31.19%
Float	9.17M

Valuation Ratios

The trailing PE ratio is 9.68 and the forward PE ratio is 8.43.

PE Ratio	9.68
Forward PE	8.43
PS Ratio	2.98
Forward PS	2.70
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	10.94
EV / Sales	3.39
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 11.70%.

Return on Equity (ROE)	11.70%
Return on Assets (ROA)	1.13%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	4.91%
Revenue Per Employee	$326,527
Profits Per Employee	$101,072
Employee Count	583
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, PFIS has paid $13.57 million in taxes.

Income Tax	13.57M
Effective Tax Rate	18.72%

Stock Price Statistics

The stock price has increased by +31.21% in the last 52 weeks. The beta is 0.76, so PFIS's price volatility has been lower than the market average.

Beta (5Y)	0.76
52-Week Price Change	+31.21%
50-Day Moving Average	54.88
200-Day Moving Average	51.30
Relative Strength Index (RSI)	51.95
Average Volume (20 Days)	66,055

Short Selling Information

The latest short interest is 134,792, so 1.35% of the outstanding shares have been sold short.

Short Interest	134,792
Short Previous Month	146,482
Short % of Shares Out	1.35%
Short % of Float	1.47%
Short Ratio (days to cover)	3.04

Income Statement

In the last 12 months, PFIS had revenue of $190.37 million and earned $58.93 million in profits. Earnings per share was $5.86.

Revenue	190.37M
Gross Profit	190.37M
Operating Income	84.24M
Pretax Income	72.50M
Net Income	58.93M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$5.86

Balance Sheet

The company has $328.61 million in cash and $405.53 million in debt, with a net cash position of -$76.92 million or -$7.68 per share.

Cash & Cash Equivalents	328.61M
Total Debt	405.53M
Net Cash	-76.92M
Net Cash Per Share	-$7.68
Equity (Book Value)	525.51M
Book Value Per Share	52.50
Working Capital	-4.26B

Cash Flow

Operating Cash Flow	n/a
Capital Expenditures	n/a
Depreciation & Amortization	n/a
Net Borrowing	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

Margins

Gross Margin	n/a
Operating Margin	44.25%
Pretax Margin	38.08%
Profit Margin	30.95%
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 4.41%.

Dividend Per Share	$2.50
Dividend Yield	4.41%
Dividend Growth (YoY)	0.61%
Years of Dividend Growth	9
Payout Ratio	42.41%
Buyback Yield	-8.04%
Shareholder Yield	-3.63%
Earnings Yield	10.38%
FCF Yield	n/a

Analyst Forecast

The average price target for PFIS is $56.00, which is -1.25% lower than the current price. The consensus rating is "Hold".

Price Target	$56.00
Price Target Difference	-1.25%
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