Peoples Financial Services (PFIS) Stock Price, News & Analysis

Company 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, 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, 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 fiduciary and investment services; 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 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. Peoples Financial Services Corp. was founded in 1905 and is headquartered in Scranton, Pennsylvania.

Key Stats

• Today's Range: $52.17 to $52.95
• 50-Day Range: $46.90 to $53.69
• 52-Week Range: $38.90 to $59.70
• Volume: 28,265 shs
• Average Volume: 22,720 shs
• Market Capitalization: $523.58 million
• P/E Ratio: 15.64
• Dividend Yield: 4.71%
• Price Target: $53.00
• Consensus Rating: Moderate Buy

Peoples Financial Services Stock Analysis - MarketRank™

Peoples Financial Services scored higher than 51% of companies evaluated by MarketBeat, and ranked 673rd out of 941 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 1.3 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

Peoples Financial Services has received a consensus rating of Moderate Buy. The company's average rating score is 2.50, and is based on 1 buy rating, 1 hold rating, and no sell ratings.

Amount of Analyst Coverage

Peoples Financial Services has received no research coverage in the past 90 days.

Earnings and Valuation

• Score: 1.3 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of Peoples Financial Services is 15.64, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 270.86.

Price to Earnings Ratio vs. Sector

The P/E ratio of Peoples Financial Services is 15.64, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 228.46.

Price to Book Value per Share Ratio

Peoples Financial Services has a P/B Ratio of 1.06. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 4.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

1.25% of the float of Peoples Financial Services has been sold short.

Short Interest Ratio / Days to Cover

Peoples Financial Services has a short interest ratio ("days to cover") of 4.2.

Change versus previous month

Short interest in Peoples Financial Services has recently decreased by 9.49%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 3.3 / 5
• Dividend Strength: Strong

Dividend Leadership

Peoples Financial Services is a leading dividend payer. It pays a dividend yield of 4.71%, putting its dividend yield in the top 25% of dividend-paying stocks.

Dividend Growth

Peoples Financial Services has been increasing its dividend for 8 years.

Dividend Coverage

The dividend payout ratio of Peoples Financial Services is 73.73%. This payout ratio is at a healthy, sustainable level, below 75%.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

1.25% of the float of Peoples Financial Services has been sold short.

Short Interest Ratio / Days to Cover

Peoples Financial Services has a short interest ratio ("days to cover") of 4.2.

Change versus previous month

Short interest in Peoples Financial Services has recently decreased by 9.49%, indicating that investor sentiment is improving significantly.

News and Social Media

• Score: 3.2 / 5
• News Sentiment: 1.68

News Sentiment

Peoples Financial Services has a news sentiment score of 1.68. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 1.21 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 3 news articles for Peoples Financial Services this week, compared to 2 articles on an average week.

Company Ownership

• Score: 1.7 / 5
• Insider Trading: Acquiring Shares

Insider Buying vs. Insider Selling

In the past three months, Peoples Financial Services insiders have bought more of their company's stock than they have sold. Specifically, they have bought $52,680.00 in company stock and sold $0.00 in company stock.

Percentage Held by Insiders

Only 8.00% of the stock of Peoples Financial Services is held by insiders.

Percentage Held by Institutions

Only 31.67% of the stock of Peoples Financial Services is held by institutions.

PFIS Stock Analysis - Frequently Asked Questions

How have PFIS shares performed this year?

Peoples Financial Services' stock was trading at $51.18 on January 1st, 2025. Since then, PFIS shares have increased by 2.4% and is now trading at $52.41.

How were Peoples Financial Services' earnings last quarter?

Peoples Financial Services Corp. (NASDAQ:PFIS) issued its earnings results on Thursday, July, 31st. The financial services provider reported $1.69 earnings per share for the quarter, topping the consensus estimate of $1.48 by $0.21. The financial services provider had revenue of $48.44 million for the quarter, compared to the consensus estimate of $46.75 million. Peoples Financial Services had a trailing twelve-month return on equity of 12.20% and a net margin of 11.80%.

Who are Peoples Financial Services' major shareholders?

Peoples Financial Services' top institutional investors include Geode Capital Management LLC (2.31%), Peoples Financial Services CORP. (2.05%), Segall Bryant & Hamill LLC (0.40%) and American Century Companies Inc. (0.19%). Insiders that own company stock include William E Aubrey II, Ronald G Kukuchka, Richard S Lochen Jr and Thomas P Tulaney.
View institutional ownership trends.

How do I buy shares of Peoples Financial Services?

Shares of PFIS stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Peoples Financial Services own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Peoples Financial Services investors own include NVIDIA (NVDA), Meta Platforms (META), Broadcom (AVGO), Advanced Micro Devices (AMD), ServiceNow (NOW), Adobe (ADBE) and Palo Alto Networks (PANW).

Company Calendar

• Record date for 6/13 Dividend: 5/30/2025
• Ex-Dividend for 6/13 Dividend: 5/30/2025
• Dividend Payable: 6/13/2025
• Last Earnings: 7/31/2025
• Record date for 9/15 Dividend: 8/29/2025
• Ex-Dividend for 9/15 Dividend: 8/29/2025
• Today: 8/31/2025
• Dividend Payable: 9/15/2025
• Next Earnings (Estimated): 11/04/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - NORTHEAST
• Sub-Industry: Banking
• Current Symbol: NASDAQ:PFIS
• CIK: 1056943
• Web: www.psbt.com
• Phone: (570) 346-7741
• Fax: 570-961-3768
• Employees: 400
• Year Founded: N/A

Price Target and Rating

• Average Price Target for Peoples Financial Services: $53.00
• High Price Target: $53.00
• Low Price Target: $53.00
• Potential Upside/Downside: +1.1%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.50
• Research Coverage: 2 Analysts

Profitability

• EPS (Trailing Twelve Months): $3.35
• Trailing P/E Ratio: 15.64
• Forward P/E Ratio: 8.85
• P/E Growth: N/A
• Net Income: $8.50 million
• Net Margins: 11.80%
• Pretax Margin: 13.82%
• Return on Equity: 12.20%
• Return on Assets: 1.14%

Debt

• Debt-to-Equity Ratio: 0.39
• Current Ratio: 0.95
• Quick Ratio: 0.95

Sales & Book Value

• Annual Sales: $229.80 million
• Price / Sales: 2.28
• Cash Flow: $3.06 per share
• Price / Cash Flow: 17.12
• Book Value: $49.44 per share
• Price / Book: 1.06

Miscellaneous

• Outstanding Shares: 9,990,000
• Free Float: 9,195,000
• Market Cap: $523.58 million
• Optionable: Not Optionable
• Beta: 0.79