Peoples Financial Services (PFIS) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Peoples Financial Services

NasdaqGS•Financial Services•Banks - Regional

$71.83+0.92(0.01%)Market closed

Market Cap

$706.14M

P/E

12.4x

P/S

2.5x

P/B

1.3x

Peoples Financial Services Corp. operates as the bank holding company for Peoples Security Bank and Trust Company that provides commercial and retail banking services in Pennsylvania, New Jersey and New York. The company accepts deposits through money market, negotiable order of withdrawal, 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 and working capital, as well as loans for equipment and other commercial needs. In addition, the company offers fiduciary and investment services, including 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 wealth management products and services comprising investment portfolio management, estate and business succession planning, annuities, insurance, retirement plan, and tax planning, as well as education funding strategies; and securities, brokerage, and investor services. Additionally, the company offers 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. The company was founded in 1905 and is headquartered in Moosic, Pennsylvania.

How this company scores

WeakMetricSide Score: 69/100

Grade capped at D — Interest coverage below 1× (0.8x) — earnings cannot cover interest. Strongest: Profitability (20/25); weakest: Balance Sheet & Red Flags (14/25).

Profitability20/25

Growth18/25

Balance Sheet & Red Flags14/25

Cash & Earnings Quality17/25

Strengths

Strong marginsRising earningsLow leverageConsistent free cash flow

Grade capped at D

Interest coverage below 1× (0.8x) — earnings cannot cover interest.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 12.4x5y range 7.6x – 77.5x

Currently above its 20-quarter median.

P/S · 2.5x5y range 1.7x – 3.2x

Currently near its 20-quarter median.

P/B · 1.3x5y range 0.9x – 1.3x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

High Risk

Margin Pressure

Red Flag

The company posted negative operating margins in recent quarters — core operations are unprofitable.

Earnings Quality

Watch

FCF/Net Income has dropped below 0.7x in 4 quarters — monitor for earnings quality deterioration.

Price & Volume

Market Cap $706.14M

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $287.05M
Q. Revenue: $74.29M
TTM EBITDA: $74.05M
TTM Op. Income: $70.50M
Q. Op. Income: $18.42M
TTM Net Income: $56.77M
Q. Net Income: $14.80M
EPS: $1.48
Shares Out.: $10.01M

$287.05M in TTM revenue grew 0.5% YoY, reaching $74.29M last quarter. TTM EBITDA of $74.05M and TTM operating income of $70.50M show growth is flowing through to the bottom line. TTM net income of $56.77M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 2 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 70.2%
EBITDA Margin: 26.0%
Op. Margin: 24.8%
Net Margin: 19.9%

Op. margin of 24.8% is down 3.7% YoY — costs are rising relative to revenue. Net margin at 19.9% and gross margin of 70.2% show how much of each revenue dollar survives to profit. Over the past year, operating margin is down 13% — a weakening trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 12.4x
P/S Ratio: 2.5x
P/B Ratio: 1.3x

At 12.4x P/E, the stock trades below typical market levels. P/S of 2.5x and P/B of 1.3x provide additional context. Use the growth and margin sections to judge whether the multiple is justified. Across the last 8 quarters, P/E has risen for 2 consecutive quarters — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $5.44B
Cash: $256.25M
Long-Term Debt: $246.06M
Book Value: $536.18M
D/E Ratio: 0.5
Debt/EBITDA: 12.7

With $5.44B in assets and $246.06M in long-term debt, D/E is 0.5and book value is $536.18M — a conservative capital structure with a cushion to weather downturns. Over the past year, debt/equity is up 16% — a weakening trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $13.87M
TTM Free Cash Flow: $44.91M
FCF Margin: 15.6%
FCF / Net Income: 0.8

TTM FCF of $44.91M on $13.87M in operating cash flow. The FCF / Net Income ratio of 0.8x means free cash flow covers net income — earnings are backed by cash. Over the past year, free cash flow is up 2% — an improving trend.