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Peoples financial services corp.PFIS.US Overview

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PFIS Recent Performance

1.32%

Peoples financial services corp.

1.79%

Avg of Sector

-0.31%

S&P500

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PFIS Key Information

PFIS Financial Forecast

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QuarterlyEPS ForecastQoQMaxMin
2026Q1
2026Q2
2026Q3
2026Q4
2027Q1

PFIS Profile

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.

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PFIS FAQ

This disclaimer is provided by TradingValley Inc. and includes any messages, news, research, analysis, prices or other information provided by the Company's website, the application "Growin App" and other services provided through the Company's website. It is only general market information for educational and investment decision-making reference, and does not constitute any investment advice. View Growin Disclaimer

PFIS Earnings Table

Unit : USD

QTRNon-GAAP EPSEPS YoYEPS Surprise %SalesSales YoYSales Surprise %NPM
Current
2025Q4
2025Q3
2025Q2
2025Q1
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
5.92
PE Ratio (TTM)
9.12
Forward PE
8.67
PS Ratio (TTM)
2.86
PB Ratio
1.08
Price-to-FCF
16.05
METRIC
VALUE
vs. INDUSTRY
Gross Margin
88.36%
Net Margin
27.88%
Revenue Growth (YoY)
84.30%
Profit Growth (YoY)
62.85%
3-Year Revenue Growth
36.39%
3-Year Profit Growth
18.11%
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
5.92
PE Ratio (TTM)
9.12
Forward PE
8.67
PS Ratio (TTM)
2.86
PB Ratio
1.08
Price-to-FCF
16.05
Gross Margin
88.36%
Net Margin
27.88%
Revenue Growth (YoY)
84.30%
Profit Growth (YoY)
62.85%
3-Year Revenue Growth
36.39%
3-Year Profit Growth
18.11%

  • When is PFIS's latest earnings report released?

    The most recent financial report for Peoples financial services corp. (PFIS) covers the period of 2025Q4 and was published on 2025/12/31. This report is prepared according to IFRS/US GAAP standards and includes key financial indicators—Revenue, Profitability, Cash Flow, and Capital Structure. This information is essential for investors evaluating PFIS's short-term business performance and financial health. For the latest updates on PFIS's earnings releases, visit this page regularly.

  • Where does PFIS fall in the P/E River chart?

    According to historical valuation range analysis, Peoples financial services corp. (PFIS)'s current price-to-earnings (P/E) ratio is 10.16, placing it in the Undervalued zone on the P/E River chart. This level indicates that the market's expectations for future earnings are already reflected in the share price, with the valuation currently leaning conservative. Investors are advised to further examine the company's fundamentals and its position in the industry cycle to validate whether the valuation is justified.

  • What is the operating profit of PFIS?

    According to the latest financial report, Peoples financial services corp. (PFIS) reported an Operating Profit of 14.72M with an Operating Margin of 20.88% this period, representing a growth of 153.1% compared to the same period last year. Operating Profit reflects the company's core business efficiency and cost control, making it a key indicator for evaluating operational strength and profitability.

  • How is PFIS's revenue growth?

    In the latest financial report, Peoples financial services corp. (PFIS) announced revenue of 70.5M, with a Year-Over-Year growth rate of 72.73%. Revenue growth can be driven by product mix changes, market share expansion, price adjustments, or international market penetration. Investors should also monitor gross margin and regional revenue distribution for a comprehensive view of growth quality and sustainability.

  • How much debt does PFIS have?

    As of the end of the reporting period, Peoples financial services corp. (PFIS) had total debt of 167.07M, with a debt ratio of 0.03. Long-term debt comprises a higher/lower proportion. The level of financial leverage directly impacts the company's capital structure and interest coverage. If debt is high, pay attention to interest expenses and refinancing risks. Conversely, a low-leverage structure indicates greater risk tolerance but potentially less growth flexibility.

  • How much cash does PFIS have?

    At the end of the period, Peoples financial services corp. (PFIS) held Total Cash and Cash Equivalents of 58.42M, accounting for 0.01 of total assets. Both current and quick ratios indicate robust short-term debt repayment ability. High cash reserves typically mean the company has strong liquidity, supporting operational needs, expansion investments, or shareholder returns.

  • Does PFIS go with three margins increasing?

    In the latest report, Peoples financial services corp. (PFIS) achieved the “three margins increasing” benchmark, with a gross margin of 64.94%%, operating margin of 20.88%%, and net margin of 16.99%%. This demonstrates improvement in profitability, which is a key signal for fundamental analysis. Investors should consider margin trends alongside other financial indicators to assess PFIS's profit trajectory and future growth potential.

  • Is PFIS's EPS continuing to grow?

    According to the past four quarterly reports, Peoples financial services corp. (PFIS)'s earnings per share (EPS) shows a steady growth trend, with the latest EPS at 1.2. If EPS continues to rise due to revenue growth and cost optimization, it can support P/E valuation recovery and attract long-term investors.

  • What is the FCF of PFIS?

    Peoples financial services corp. (PFIS)'s Free Cash Flow (FCF) for the period is 0, calculated as Operating Cash Flow minus Capital Expenditures, representing a fall of 100% compared with the previous period. Positive FCF growth provides stable funding for dividends, debt repayment, or strategic acquisitions, and is an important measure of true profitability and shareholder return potential.

  • What are the PEG ratio and PE ratio of PFIS?

    The latest valuation data shows Peoples financial services corp. (PFIS) has a Price-To-Earnings (PE) ratio of 10.16 and a Price/Earnings-To-Growth (PEG) ratio of -0.47. A PEG below 1 usually suggests the market is underestimating growth potential, while a PEG above 1 indicates high growth expectations are already priced in. Investors should conduct a comprehensive valuation by considering historical growth, market forecasts, and industry cycles.