Peoples Financial Services Corp. (PFIS) Stock

Peoples Financial Services Corp. (PFIS) is a Financials stock trading at $69.95 (as of 2026-08-20), with a market capitalization of $700.23M and a trailing P/E of 11.8. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

Peoples Financial Services Corp. is the holding company for Peoples Security Bank and Trust Company, providing commercial and retail banking services such as deposit accounts and consumer, commercial real estate, working capital, construction, and other loan products. It also offers investment management, trust and estate services, insurance-related trust services, and securities and brokerage/investor services.

Understand Peoples Financial Services Corp.: how it makes money

Peoples Financial Services Corp. is a bank holding company that provides commercial and retail banking services, generating income primarily from interest earned on its loan portfolio and supported by deposit-funded interest expense.

PFIS's earnings power is structurally driven by the difference between its tax-equivalent yield on interest-earning assets (5.5%) and its cost of funds (2.58%), with credit quality and operating costs acting as the main offset (nonperforming assets of 0.02, net charge-offs of 0.0, and non-interest expense to average assets of 2.67%).

Business quality (Solid): Moderate. The provided facts cover core credit and cost-of-funds indicators, but there is no reportable revenue segment breakdown included here.

Valuation: At 11× earnings, PFIS trades 10% below the Banking average (13×). Note: one-time items can distort reported P/E.

Bull case

  • Credit losses look contained in the latest quarter: Net Charge-offs are 0.0, and Nonperforming Assets are 0.02, alongside an Allowance for Credit Losses Coverage Ratio of 0.97.
  • Core profitability remains solid: The company reports Operating margin of 28.6% for the period ended 2026-03-31.

Bear case

  • Nonperforming assets still exist: Nonperforming Assets of 0.02 are not zero, which can pressure future provisions and profitability if conditions worsen.
  • Costs and funding economics can move: With tax-equivalent yield on interest-earning assets of 5.5% and cost of funds of 2.58%, earnings are sensitive to changes in both yields and funding costs.
Valuation — source: SEC EDGAR (first-party)
Price$69.95
Market Cap$700.23M
P/E Ratio11.8
EV / EBITDA6.6
Price / Book1.31
Price / Sales2.67
Dividend Yield3.5%
FCF Yield8.8%
DCF Value (model)$116.05
DCF Upside vs Price65.9%
Profitability & Growth — source: SEC EDGAR
Revenue (TTM)$259.70M
Net Margin22.8%
Return on Equity10.6%
Debt / Equity0.16
Revenue Growth (YoY)-1.4%
EPS Growth (YoY)96.7%
FCF Growth (YoY)-100.0%
Valuation vs Sector & Industry
Stock P/E11.8
Sector P/E (Financials)15.1
Industry P/E (Banking)12.9
vs Sector-22.3%
vs Industry-9.0%
Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional HolderBlackRock, Inc. ($33.85M)
Institutional Holders Tracked10
Company
SectorFinancials
IndustryBanking
CEOGerard A. Champi
Employees511
CountryUS
IPO Date2002-06-05

Related Companies (Business model: Universal / Commercial Bank; 8 closest by market cap; US-domiciled)

  • Alerus Financial Corporation (ALRS)
  • Financial Institutions, Inc. (FISI)
  • Shore Bancshares, Inc. (SHBI)
  • Arrow Financial Corporation (AROW)
  • Carter Bankshares, Inc. (CARE)
  • Southern California Bancorp (BCAL)
  • Capital Bancorp, Inc. (CBNK)
  • Southern First Bancshares, Inc. (SFST)
PFIS earnings history · PFIS institutional & insider holders · PFIS KPIs & operating metrics · PFIS financials · PFIS investor presentations & press releases · PFIS SEC filings · PFIS peers · Congress trades · Insider trades · Short interest · Stock screener

Data as of 2026-08-20.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.