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PFIS stock logo

PFIS

Peoples Financial Services Corp.

$54.62
0.41
 (0.76%)
Exchange:  NASDAQ
Market Cap:  546.148M
Shares Outstanding:  3.273M
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Banks – Regional
   
CEO:  James Chiaro
Full Time Employees:  511
Address: 
150 North Washington Avenue
Scranton
PA
18503
US
Website:  https://www.psbt.com
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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Revenue Segmentation

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EPS

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Earnings Call

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue164,002229,796280,952
Gross Profit100,339115,194187,119
EBITDA35,99815,70472,234
Operating Income32,5018,46872,234
Net Income27,3808,49859,187

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets3,742,2895,091,6575,270,578
Total Liabilities3,401,8674,622,7074,750,731
Total Stockholders Equity340,4221,232,556519,847
Total Debt75,590105,524258,400
Cash and Cash Equivalents42,665058,420

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Cash Flow Statement

Year202320242025
Operating Cash Flow33,25233,92354,275
Capital Expenditure-5,925-2,575-10,934
Free Cash Flow27,32731,34843,341
Net Income27,3808,49859,187
Net Change in Cash149,497-51,514133,133

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2027Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)216,700Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)219,800Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)218,250Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)63,922.630Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)64,837.075Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)64,379.852Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)68,301.699Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)77,368.296Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)72,900Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)56,661.927Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)57,472.504Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)57,067.215Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)7.230Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)7.680Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)6.780Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)2Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)2Full AccessFull AccessFull AccessFull Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
229.421M  ?P/S
 (TTM)
: 
2.08
?Net Income
 (TTM)
: 
8.498M  ?P/E
 (TTM)
: 
9.87
?Enterprise Value
 (TTM)
: 
693.097M  ?EV/FCF
 (TTM)
: 
15.99
?Dividend Yield
 (TTM)
: 
0.04  ?Payout Ratio
 (TTM)
: 
0.42
?ROE
 (TTM)
: 
0.12  ?ROIC
 (TTM)
: 
0.21
?Net Debt
 (TTM)
: 
121.263M  ?Debt/Equity
 (TTM)
: 
0.32
?P/B
 (TTM)
: 
1.12  ?Current Ratio
 (TTM)
: 
2.32

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Full Access for high/low estimates and the interactive table.

Forward P/E 1YFull AccessFull AccessFull AccessFull Access
8.35Full AccessFull AccessFull AccessFull Access

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SWOT Analysis

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At what price to buy it? -
Intrinsic Value Calculator

Based on current fundamentals and analyst forecasts, MARKETSnap estimates PFIS intrinsic value between $53.72 – $223.40 per share. This depends on revenue growth, margins, and discount rate.

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.


Calculate PFIS Intrinsic Value

Common questions about PFIS valuation

Is Peoples Financial Services Corp. (PFIS) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for Peoples Financial Services Corp. (PFIS) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is PFIS a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether PFIS trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is PFIS’s P/E ratio?

You can see PFIS’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for PFIS?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is PFIS a good long-term investment?

Whether PFIS fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

PFIS

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

Daily snapshot

0.76
MARKETSnap

Trading Metrics:

Open: 53.46   Previous Close: 54.21
Day Low: 53   Day High: 54.67
Year Low: 38.9   Year High: 57.71
Price Avg 50: 53.66   Price Avg 200: 50.63
Volume: 82200   Average Volume: 36241

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See in Nexus

Relevant news

PEOPLES FINANCIAL SERVICES CORP. Reports Unaudited Fourth Quarter and Full Year 2025 Earnings
30-01-2026 18:44
PEOPLES FINANCIAL SERVICES CORP. Reports Unaudited Fourth Quarter and Full Year 2025 Earnings
PEOPLES FINANCIAL SERVICES CORP. Declares Increased First Quarter 2026 Dividend
30-01-2026 16:05
PEOPLES FINANCIAL SERVICES CORP. Declares Increased First Quarter 2026 Dividend

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