NASDAQ: PFIS
Peoples Financial Services Corp Stock

$53.40+1.30 (+2.5%)
Updated Jul 3, 2025
PFIS Price
$53.40
Fair Value Price
$66.37
Market Cap
$533.76M
52 Week Low
$38.90
52 Week High
$59.70
P/E
23.84x
P/B
1.11x
P/S
3.2x
PEG
0.18x
Dividend Yield
4.63%
Revenue
$138.79M
Earnings
$20.04M
Gross Margin
100%
Operating Margin
16.41%
Profit Margin
14.4%
Debt to Equity
9.38
Operating Cash Flow
$40M
Beta
0.82
Next Earnings
Jul 31, 2025
Ex-Dividend
N/A
Next Dividend
N/A

PFIS Overview

Peoples Financial Services Corp. operates as the bank holding company for Peoples Security Bank and Trust Company that provides various commercial and retail banking services. The company accepts money market, NOW, savings, individual retirement, demand deposit, and certificates of deposit accounts. It also provides residential real estate, automobile, manufactured housing, personal, and home equity loans; and commercial real estate, working capital, construction, small business administration, and agricultural loans, as well as loans for equipment and other commercial needs, and mineral rights. In addition, the company offers investment management, IRA trustee, estate administration, living and life insurance trust, trustee under will, guardianship, custodial/IRA custodial, and corporate trust services, as well as pension and profit sharing plans. Further, it provides investment portfolio management, estate and business succession planning, annuities, insurance, retirement plan, and tax planning, as well as education funding strategies; and securities and brokerage, and investor services. Additionally, the company offers small business checking and merchant money market accounts, online and telephone banking, business credit cards, merchant line of credit, and financial checkup services; and remote deposit capture, automatic clearing house transaction, cash management, automated teller machine, point of sale transaction, safe deposit box, night depository, direct deposit, and official check services. It serves business, non-profit, governmental, municipal agency, and professional customers, as well as retail customers through 28 full-service community banking offices located in Allegheny, Bucks, Lackawanna, Lebanon, Lehigh, Luzerne, Monroe, Montgomery, Northampton, Susquehanna, and Wyoming Counties of Pennsylvania; Middlesex County of New Jersey; and Broome County of New York. The company was founded in 1905 and is headquartered in Scranton, Pennsylvania.

Zen Rating

Our proven quant model uses 115 proprietary factors, including AI, to determine PFIS's potential to beat the market

BBuy
  • Stocks with a Zen Rating of Buy (B) had an average return of +19.88% per year. Learn More

Zen Rating Component Grades

C
Zen Rating uses advanced AI algorithms that detect subtle patterns in market data; it anticipates future trends that point to superior stock price results.

Industry: Bank

Industry Rating
F
PFIS
Ranked
#4 of 296

Top Ranked Stocks in Industry

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PFIS News

Overview

Due Diligence Score

Industry Average (35)
You've viewed Due Diligence Score for 10/10 free stocks. Upgrade to Premium to see how PFIS scored across 38 valuation, financial, forecast, performance, and dividend due diligence checks.

Due Diligence Checks

PFIS ($53.40) is undervalued by 19.54% relative to our estimate of its Fair Value price of $66.37 based on Discounted Cash Flow (DCF) modelling, but does not have a significant margin of safety
Below Fair Value Valuation
PFIS ($53.40) is not significantly undervalued (19.54%) relative to our estimate of its Fair Value price of $66.37 based on Discounted Cash Flow (DCF) modelling, when including a healthy margin of safety
Significantly Below Fair Value Valuation
PFIS ($53.40) is trading below... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
There are 35 more PFIS due diligence checks available for Premium users.

Valuation

PFIS fair value

Fair Value of PFIS stock based on Discounted Cash Flow (DCF)

Price
$53.40
Fair Value
$66.37
Undervalued by
19.54%
PFIS ($53.40) is undervalued by... subscribe to Premium to read more.
Below Fair Value Valuation
PFIS ($53.40) is not significantly... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
PFIS ($53.40) is trading below... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation

PFIS price to earnings (PE)

For valuing profitable companies with steady earnings

Company
23.84x
Industry
12.76x
Market
30.96x
PFIS is poor value based... subscribe to Premium to read more.
P/E vs Industry Valuation
PFIS is good value based... subscribe to Premium to read more.
P/E vs Market Valuation

PFIS price to book (PB)

For valuing companies that are loss-making or have lots of physical asset

Company
1.11x
Industry
1.24x
PFIS is good value based... subscribe to Premium to read more.
P/B vs Industry Valuation

PFIS price to earnings growth (PEG)

For valuing profitable companies with growth potential

PFIS is good value based... subscribe to Premium to read more.
PEG Value Valuation

PFIS's financial health

Profit margin

Revenue
$45.6M
Net Income
$15.0M
Profit Margin
32.9%
PFIS's Earnings (EBIT) of $22.78M... subscribe to Premium to read more.
Interest Coverage Financials
PFIS's profit margin has decreased... subscribe to Premium to read more.
Profit Margin Growth Financials

Assets to liabilities

Assets
$5.0B
Liabilities
$4.5B
Debt to equity
9.38
PFIS's debt has increased relative... subscribe to Premium to read more.
Shrinking Debt Financials
PFIS's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials

Cash flow

Operating
$9.1M
Investing
$40.7M
Financing
-$108.5M
PFIS's operating cash flow ($39.77M)... subscribe to Premium to read more.
Debt Coverage Financials

PFIS vs Bank Stocks

TickerZen RatingMarket Cap1d %P/EP/B
PFISB$533.76M+2.50%23.84x1.11x
GNTY$533.14M+2.46%16.04x1.64x
BCALB$535.79M+1.41%23.96x1.01x
HONE$529.59M+1.15%19.51x0.92x
PGCC$538.82M+2.36%16.78x0.87x

Peoples Financial Services Stock FAQ

What is Peoples Financial Services's quote symbol?

(NASDAQ: PFIS) Peoples Financial Services trades on the NASDAQ under the ticker symbol PFIS. Peoples Financial Services stock quotes can also be displayed as NASDAQ: PFIS.

If you're new to stock investing, here's how to buy Peoples Financial Services stock.

What is the 52 week high and low for Peoples Financial Services (NASDAQ: PFIS)?

(NASDAQ: PFIS) Peoples Financial Services's 52-week high was $59.70, and its 52-week low was $38.90. It is currently -10.55% from its 52-week high and 37.29% from its 52-week low.

How much is Peoples Financial Services stock worth today?

(NASDAQ: PFIS) Peoples Financial Services currently has 9,995,482 outstanding shares. With Peoples Financial Services stock trading at $53.40 per share, the total value of Peoples Financial Services stock (market capitalization) is $533.76M.

Peoples Financial Services stock was originally listed at a price of $18.33 in Jun 5, 2002. If you had invested in Peoples Financial Services stock at $18.33, your return over the last 23 years would have been 191.28%, for an annualized return of 4.76% (not including any dividends or dividend reinvestments).

How much is Peoples Financial Services's stock price per share?

(NASDAQ: PFIS) Peoples Financial Services stock price per share is $53.40 today (as of Jul 3, 2025).

What is Peoples Financial Services's Market Cap?

(NASDAQ: PFIS) Peoples Financial Services's market cap is $533.76M, as of Jul 6, 2025.

Market cap (market capitalization) is the total market value of a publicly traded company's outstanding shares.

Peoples Financial Services's market cap is calculated by multiplying PFIS's current stock price of $53.40 by PFIS's total outstanding shares of 9,995,482.
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