Peoples Financial Services Corp. (PFIS) AI Stock Analysis

Established in 1905 and headquartered in Scranton, Pennsylvania, Peoples Financial Services Corp. operates as a bank holding company for Peoples Security Bank and Trust Company. It serves retail customers, commercial enterprises, non-profits, governmental entities, and professional organizations across its footprint. The institution offers traditional deposit products such as money market, NOW, savings, and certificates of deposit, alongside lending options spanning residential, commercial real estate, construction, working capital, agricultural, and personal loans. Beyond retail and commercial banking, the company provides wealth management and trust services, including investment management, estate administration, retirement planning, and corporate trust solutions.

Peoples Financial Services Corp. grew annual revenue from $107.8M in FY2021 to $281.0M in FY2025, representing a 5-year revenue CAGR of 20.5%. Annual net income recovered to $59.2M in FY2025 after declining to $8.5M in FY2024, bringing EPS to $6.07 and net margin to 21.1%. Operating cash flow reached $54.3M in FY2025, supporting free cash flow of $43.3M. Trailing twelve month revenue stood at $190.7M with an operating margin of 42.1% and a profit margin of 29.8%. For the latest quarter ended June 30, 2026, quarterly revenue grew 0.7% year-over-year, while quarterly earnings declined 12.0%.

As of June 30, 2026, Peoples Financial Services Corp. held $74.9M in cash and short-term investments against $239.8M in total debt, leaving net debt at $164.9M. Total assets stood at $5.44B, while shareholders' equity was $536.2M. The company reported a debt-to-equity ratio of 0.45 and a current ratio of 1.09. In FY2025, operating cash flow funded capital expenditures of $10.9M and dividend payments of $24.6M, while share count increased 39.2% over 5 years.

At a last close of $68.30 on October 16, 2026, Peoples Financial Services Corp. traded at a market capitalization of $683.7M. Its trailing P/E of 12.1x matched the 12.1x median of its US-listed Financial Services peers, while its forward P/E of 15.1x stood above the peer median of 10.8x. The stock traded at a price-to-sales multiple of 3.6x and a price-to-book ratio of 1.3x. Over the past year, the stock returned 57.5%, outperforming the S&P 500 ETF return of 16.8%, though its 5-year return of 82.5% trailed the index ETF return of 83.0%.

Peoples Financial Services Corp. pays a quarterly dividend with an annualized forward payout of $2.49 per share, equating to a 3.64% dividend yield. The company maintains a payout ratio of 43.1% and has paid dividends for 25 consecutive years. Its 5-year annualized dividend growth rate stands at 11.4%, and its last ex-dividend date was August 31, 2026.

Wall Street coverage on Peoples Financial Services Corp. consists of 2 Hold ratings, with zero Buy or Sell ratings. The consensus mean price target is $73.50, implying upside of 7.6% over the last close of $68.30. Consensus estimates project EPS of $6.30 on revenue of $209.6M for the fiscal year ending December 31, 2026. Over the last four quarters, the bank posted 0 EPS beats against consensus estimates. The next earnings release date is October 29, 2026.

This page is an AI-written research summary of Peoples Financial Services Corp. (PFIS). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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