PFIS logo

PEOPLES FINANCIAL SERVICES

PFISNASDAQ
πŸ† #2648 by market capEarnings Oct 28US Equity
$67.36β–Ό $1.37 (βˆ’2.04%)
Market closed Β· at close
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24hβ–Ό 2.0%
7dβ–Ό 2.3%
14dβ–Ό 6.6%
30dβ–Ό 1.9%
ytdβ–² 38.3%
1yβ–² 40.3%
🏦Market Cap
$674M
Small Cap
πŸ“ˆRevenue Growth (YoY)
+22.3%
Healthy
πŸ“ŠGross Margin
66.5%
High
πŸ’΅FCF Margin
15.6%
Healthy
βš–οΈP/S Ratio
2.4x
Cheap
Otter Score
72
Fair

Trading Snapshot

Day Range
$66.51 – $68.09
52-Week Range
$43.64 – $73.37
Volume
$2.66B
Avg Volume
$2.72B
Shares Outstanding
10.0M
Next Earnings
Nov 27, 2026

Fundamentals Snapshot

Annual Revenue
$281M
Last Q Revenue
$74M
P/E Ratio
12.1
P/S Ratio
2.4x
EPS (TTM)
$5.67
Dividend Yield
3.62%
Dilution (1yr)
+0.3%

Why Investors Own PFIS

  • βœ“High-growth profile β€” revenue up +38.6% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 76% gross margin and 13% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

PFIS logo

PEOPLES FINANCIAL SERVICES

PFIS
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$281Mβ–² +22.3% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
66.6%β–² +32.9% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$72Mβ–² +753.0% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$43Mβ–² +38.3% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
10.1Mβ–² +0.3% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
βˆ’$109Mβ–Ό βˆ’$9M YoY
StockOtter Β· stockotter.space

About PEOPLES FINANCIAL SERVICES

Peoples Financial Services Corp. functions as the holding company for Peoples Security Bank and Trust Company, delivering a comprehensive suite of commercial and retail banking solutions. Its deposit offerings encompass demand deposit accounts (including NOW and small business checking), money market and savings accounts, individual retirement accounts (IRAs), and various certificates of deposit. The company's lending portfolio is extensive, covering residential needs such as mortgages, auto, personal, manufactured housing, and home equity loans. For commercial clients, it extends financing for real estate, working capital, construction, equipment, agricultural ventures, mineral rights, and Small Business Administration (SBA) initiatives. Beyond traditional banking, the corporation delivers a range of wealth management and trust services. These encompass investment management, various trust arrangements (IRA, estate administration, living, life insurance, testamentary, guardianship, corporate, custodial), and administration of pension and profit-sharing schemes. Financial advisory offerings include investment portfolio oversight, strategic estate and business succession planning, retirement and tax planning, and education funding strategies. It also facilitates annuities, insurance products, securities, brokerage, and broader investor services. For businesses, specialized services extend to small business checking, merchant money market accounts, business credit cards, and lines of credit, complemented by online and telephone banking, and financial checkup services. Operational support for all clients includes remote deposit capture, Automatic Clearing House (ACH) transactions, cash management, automated teller machines (ATMs), point-of-sale services, safe deposit boxes, night depositories, direct deposit, and official checks. Its diverse customer base includes individual consumers, businesses, non-profit organizations, governmental bodies, municipal agencies, and professionals. With 28 full-service community banking branches, the company maintains a significant presence across Allegheny, Bucks, Lackawanna, Lebanon, Lehigh, Luzerne, Monroe, Montgomery, Northampton, Susquehanna, and Wyoming Counties in Pennsylvania, as well as Middlesex County in New Jersey, and Broome County in New York. Established in 1905, the institution is headquartered in Scranton, Pennsylvania.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Fair
72/100

Analyst Ratings

β“˜
Consensus
Sell
7 analysts
Strong Buy0
Buy0
Hold4
Sell1
Strong Sell2
Ratings as of Sep 2026

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