Peoples Financial Services Corp.

PFIS | NASDAQ

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$69.96

-$0.58 (-0.82%)

At close: Sep 21, 2026, 4:00 PM ET

$69.96

$0 (0.00%)

After-hours: Sep 21, 2026, 4:15 PM ET

Overview Rating Statistics Financials Earnings Analysts Ownership Dividends Profile

Market Data

Market Cap $706.17M

Enterprise Value $865.23M

Beta 0.72

Average Volume 63.73K

Shares Outstanding (Diluted) 10.04M

Shares Change YoY -0.46%

Institutional Ownership 31.40%

Exchange NASDAQ

ISIN US7110401053

Price Performance

Price Change 1M 0.1%

Price Change 3M 8.9%

Price Change 6M 33.0%

Price Change YTD 45.2%

Price Change 1Y 37.2%

Price Change 3Y 57.6%

Price Change 5Y 54.3%

1M CAGR (ann.) -0.5%

1Y CAGR (ann.) 42.4%

5Y CAGR (ann.) 13.9%

All-Time CAGR 8.6%

Valuation

PE Ratio 12.38

Forward PE 9.52

PEG Ratio 0.18

Forward PEG 0.78

PS Ratio 2.49

Forward PS 3.10

PB Ratio 1.31

P/FCF Ratio 16.98

P/Adj. FCF Ratio 17.39

P/OCF Ratio 13.10

EV/Sales 3.08

EV/EBIT 16.61

EV/EBITDA 14.45

EV/FCF 20.97

Earnings Yield 8.1%

FCF Yield 5.9%

Adj. FCF Yield 5.8%

Financial Health

Net Debt $164.87M

Total Debt $239.8M

Cash & Short-Term Investments $74.93M

Total Assets $5.44B

Current Ratio 1.09

Quick Ratio 1.09

Debt / Equity Ratio 0.45

Debt / EBITDA 4.01

Debt / FCF 5.81

OCF / Debt 0.22

Interest Coverage 0.77

Altman Z-Score 0.25

Piotroski F-Score 5

Margins & Profitability

Gross Profit Margin 66.5%

Operating Profit Margin 18.5%

EBITDA Margin 27.2%

Net Profit Margin 19.7%

FCF Margin 14.7%

Adj. FCF Margin 14.3%

SBC / Revenue 0.5%

SBC Impact (per share) -2.4%

Returns

Return on Assets 1.0%

Return on Equity 10.9%

Return on Invested Capital 19.0%

Return on Capital Employed 1.3%

Return on Tangible Assets 1.1%

Historical Growth (CAGR)

Revenue CAGR 3Y 25.1%

Revenue CAGR 5Y 20.8%

Revenue CAGR 10Y 13.6%

EPS CAGR 3Y 4.1%

EPS CAGR 5Y 3.5%

EPS CAGR 10Y 8.8%

FCF CAGR 3Y 12.8%

FCF CAGR 5Y 2.9%

FCF CAGR 10Y 4.6%

Analyst Forecasts

Analyst Rating Hold

Analyst Count 1

EPS Growth Next 3Y N/A

Revenue Growth Next 3Y N/A

Earnings Date Oct 15, 2026

EPS Estimate (next Q) $1.74

EPS Growth Est (next Q) 15.2%

Revenue Est (next Q) $54.15M

Revenue Growth Est (next Q) 16.0%

Fair Value Estimates

Graham Number $82.52

Graham Upside 17.9%

Lynch Fair Value $28.25

Lynch Upside -59.6%

Price Target $56

Price Target Upside -20.0%

Cash Flow

Operating Cash Flow $53.5M

Free Cash Flow $41.25M

Adj. Free Cash Flow $40.27M

FCF Per Share $4.49

OCF Per Share $5.34

OCF/S Ratio 18.6%

Income Statement

Revenue $281.13M

Gross Profit $142.3M

Operating Income $52.08M

EBITDA $59.87M

Net Income $56.77M

EPS (Diluted) $5.65

Revenue / Employee $513.95K

Profit / Employee $103.79K

Employees 547

Dividends

Annual Dividend $2.49

Dividend Yield 3.56%

Payout Ratio 44.1%

FCF Payout Ratio 60.0%

Adj. FCF Payout Ratio 61.4%

Dividend Growth (YoY) 0.9%

Pay Frequency Quarterly

Ex-Dividend Date Aug 30, 2026