Is Peoples Financial Services Corp. (PFIS) Overvalued?
We dive into why Peoples Financial Services Corp. (PFIS) could be considered overvalued on 2026-08-07, based on AAII’s Value Score and Grade.Jenna Brashear
A+ Stock Grade Summary:
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COMPANY SUMMARY
Peoples Financial Services Corp. operates as the bank holding company for Peoples Security Bank and Trust Company that provides commercial and retail banking services in Pennsylvania, New Jersey and New York. The company accepts deposits through 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 and working capital, as well as loans for equipment and other commercial needs. In addition, the company offers fiduciary and investment services, including 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 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. The company was founded in 1905 and is headquartered in Moosic, Pennsylvania.
Commentary & Analysis
What You Need to Know About Peoples Financial Services Corp.'s Q3 Earnings
Peoples Financial Services Corp.'s fiscal Q3 earnings report was released on Thursday, July 30. Let's dive in to see if (PFIS) missed or beat analyst's expectations.Michael Rose
What You Need to Know About Peoples Financial Services Corp.'s Q2 Earnings
Peoples Financial Services Corp.'s fiscal Q2 earnings report was released on Thursday, April 30. Let's dive in to see if (PFIS) missed or beat analyst's expectations.Tudor Pop
Why Peoples Financial Services Corp.’s (PFIS) Stock Is Up 5.33%
As of Friday, March 13, Peoples Financial Services Corp.’s PFIS share price has surged by 5.33%, which has investors questioning if this is right time to sell.Cynthia McLaughlin
What You Need to Know About Peoples Financial Services Corp.'s Q1 Earnings
Peoples Financial Services Corp.'s fiscal Q1 earnings report was released on Friday, January 30. Let's dive in to see if (PFIS) missed or beat analyst's expectations.Tudor Pop
Financial Summary
| Share Statistics | PFIS | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $702.1 | $745.4 | 40% |
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| Shares Out (Mil) | 10.0 | 15.3 | 20% |
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| Institutional Ownership | 80.9% | 83.2% | 49% |
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| Float (Mil) | 9.2 | 21.8 | 18% |
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| Beta | 0.73 | 0.42 | 43% |
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| Avg Daily Volume (000s) | 50 | 45 | 28% |
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| Price Change (52-week) |
39.5% | 94.6% | 74% |
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| Growth | PFIS | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 16.1% | 7.7% | 75% |
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| Net Income (5yr) | 15.0% | 11.1% | 63% |
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| EPS (5yr) | 8.0% | 10.1% | 43 |
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| Dividends (5yr) | 11.4% | 3.6% | 92% |
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| Cash Flow (5yr) | (13.2%) | (17.1%) | 56% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | 2 | 2 | 2 | |
| Current EPS | $1.735 | $6.370 | $7.385 | |
| Month Ago EPS | $1.715 | $6.535 | $7.305 | |
| # Rev Up | 0 | 0 | 1 | |
| # Rev Down | 2 | 2 | 0 | |
| Three Months Ago EPS | $1.690 | $6.465 | $7.300 | |
| Year/Year Chg | 17.3% | 8.3% | na | |
| Financials | PFIS | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $191 | $196 | 32% |
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| Net Income (TTM) (Mil) | $57 | $55 | 56% |
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| EPS (TTM) | $5.677 | $2.600 | 88% |
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| Operating Cash Flow (TTM) (Mil) | $54 | $35 | 47% |
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| Net Cash Flow (TTM) (Mil) | $81 | $2 | 75% |
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| Long-Term Debt (Q1) (Mil) | $191 | $100 | 49% |
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| Enterprise Value (Q1) (Mil) | na | $0 | na |
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| Valuation | PFIS | Industry Median |
Percentile (All Stocks) |
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| P/B | 1.31 | 1.25 | 32% |
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| P/E | 12.4 | 12.4 | 27% |
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| Dividend Yield | 3.6% | 2.2% | 88% |
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| PEG (5yr hist) | 1.6 | 1.1 | 60% |
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| Ratios | PFIS | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | na | 63.7% | na |
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| Net Margin | 29.8% | 29.1% | 88% |
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| ROA | 1.1% | 1.1% | 48% |
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| ROE | 11.0% | 11.3% | 60% |
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| Liabilities to Assets | 90.1% | 89.7% | 86% |
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| F-Score | 4 | 4 | 33% |
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Passing Stock Screens
As of 8/21/2026, from a list of 60 stock screening strategies,
GURU STRATEGY
Graham--Defensive Investor (Utility) Screen
Factors: Yield, Value, Quality, Industry/Sector
Graham's approach leads to three separate screens that focus on the concept of intrinsic value, justified by a firm's financial strength.
| Performance Since Inception: | 6.9% |
| +/- S&P 500: | -0.6 |
