Peoples Financial Services (PFIS) Competitors

CNB Financial (NASDAQ:CCNE) and Peoples Financial Services (NASDAQ:PFIS) are both small-cap finance companies, but which is the superior investment? We will compare the two companies based on the strength of their valuation, institutional ownership, dividends, analyst recommendations, media sentiment, profitability, risk and earnings.

Which has preferable valuation & earnings, CCNE or PFIS?

CNB Financial has higher revenue and earnings than Peoples Financial Services. CNB Financial is trading at a lower price-to-earnings ratio than Peoples Financial Services, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
CNB Financial	$364.58M	2.11	$54.58M	$2.38	10.95
Peoples Financial Services	$229.80M	2.30	$8.50M	$3.35	15.80

Do analysts prefer CCNE or PFIS?

CNB Financial presently has a consensus target price of $27.75, indicating a potential upside of 6.53%. Peoples Financial Services has a consensus target price of $53.00, indicating a potential upside of 0.11%. Given CNB Financial's higher possible upside, equities analysts clearly believe CNB Financial is more favorable than Peoples Financial Services.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
CNB Financial	0 Sell rating(s)	1 Hold rating(s)	1 Buy rating(s)	0 Strong Buy rating(s)	2.50
Peoples Financial Services	0 Sell rating(s)	1 Hold rating(s)	1 Buy rating(s)	0 Strong Buy rating(s)	2.50

Do institutionals and insiders hold more shares of CCNE or PFIS?

52.4% of CNB Financial shares are held by institutional investors. Comparatively, 31.7% of Peoples Financial Services shares are held by institutional investors. 2.8% of CNB Financial shares are held by insiders. Comparatively, 8.0% of Peoples Financial Services shares are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock will outperform the market over the long term.

Does the media prefer CCNE or PFIS?

In the previous week, CNB Financial and CNB Financial both had 3 articles in the media. CNB Financial's average media sentiment score of 1.31 beat Peoples Financial Services' score of 1.25 indicating that CNB Financial is being referred to more favorably in the media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
CNB Financial	2 Very Positive mention(s)	0 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive
Peoples Financial Services	2 Very Positive mention(s)	1 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Which has more risk and volatility, CCNE or PFIS?

CNB Financial has a beta of 0.72, suggesting that its share price is 28% less volatile than the S&P 500. Comparatively, Peoples Financial Services has a beta of 0.8, suggesting that its share price is 20% less volatile than the S&P 500.

Is CCNE or PFIS more profitable?

CNB Financial has a net margin of 14.56% compared to Peoples Financial Services' net margin of 11.80%. Peoples Financial Services' return on equity of 12.20% beat CNB Financial's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
CNB Financial	14.56%	9.79%	0.89%
Peoples Financial Services	11.80%	12.20%	1.14%

Is CCNE or PFIS a better dividend stock?

CNB Financial pays an annual dividend of $0.72 per share and has a dividend yield of 2.8%. Peoples Financial Services pays an annual dividend of $2.47 per share and has a dividend yield of 4.7%. CNB Financial pays out 30.3% of its earnings in the form of a dividend. Peoples Financial Services pays out 73.7% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. CNB Financial has raised its dividend for 1 consecutive years and Peoples Financial Services has raised its dividend for 8 consecutive years. Peoples Financial Services is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Summary

Peoples Financial Services beats CNB Financial on 9 of the 16 factors compared between the two stocks.