PFIS
Peoples Financial Services Corp.
Price Chart
Latest Quote
$62.48
+0.24 (+0.39%)
Current Price
| Previous Close | $62.24 |
| Open | $62.34 |
| Day High | $63.06 |
| Day Low | $61.49 |
| Volume | 27,563 |
Stock Information
| Quarterly Dividend / Yield | $2.49 / 3.98% |
| Shares Outstanding | 10.01M |
| Quarterly Dividend Yield | 3.98% |
| Quarterly Dividend | $2.49 |
| Total Debt | $419.62M |
| Cash Equivalents | $342.98M |
| Revenue | $190.36M |
| Net Income | $58.92M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $625.48M |
| P/E Ratio | 10.70 |
| EPS (TTM) | $5.84 |
| Exchange | NMS |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $699.72M |
| Sales | $190.36M |
| Income | $58.92M |
| Book/sh | $52.49 |
| Cash/sh | $34.26 |
| Employees | 547 |
Financial Ratios
| EPS Growth TTM | -1.70% |
Returns & Margins
| ROA | 1.13% |
| ROE | 11.70% |
| Operating Margin | 42.97% |
| Profit Margin | 30.95% |
Ownership
| Insider Ownership | 8.11% |
| Institutional Ownership | 32.31% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| Forward P/E | 8.56 |
| PEG | 1.31 |
| P/S | 3.29 |
| P/B | 1.19 |
Analyst Data
| Recommendation | none |
| Target Price | $62.00 |
Technical Indicators
| SMA20 | $60.69 |
| SMA50 | $58.49 |
| SMA200 | $51.83 |
| RSI | 68.88 |
| ATR | 1.9163 |
| Shares Float | 9.17M |
| Short Float | 1.54% |
| Short Ratio | 2.27 |
| Volatility | 0.76 |
| Rel Volume | 0.48 |
Performance History
| Week | -1.64% |
| Month | +7.56% |
| Quarter | +22.55% |
| 6 Months | +22.03% |
| YTD | +32.49% |
| Year | +38.76% |
| 3 Years | +71.16% |
| 5 Years | +74.49% |
| 10 Years | +125.59% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-22 | $62.48 | 27,563 |
| 2026-06-18 | $62.24 | 143,900 |
| 2026-06-17 | $61.79 | 43,600 |
| 2026-06-16 | $62.34 | 51,500 |
| 2026-06-15 | $62.42 | 138,000 |
| 2026-06-12 | $63.52 | 56,400 |
| 2026-06-11 | $62.78 | 52,300 |
| 2026-06-10 | $62.91 | 53,600 |
| 2026-06-09 | $61.85 | 53,600 |
| 2026-06-08 | $60.82 | 99,800 |
| 2026-06-05 | $60.12 | 65,900 |
| 2026-06-04 | $59.49 | 43,800 |
| 2026-06-03 | $57.46 | 45,600 |
| 2026-06-02 | $59.26 | 27,500 |
| 2026-06-01 | $58.04 | 38,100 |
| 2026-05-29 | $59.41 | 57,100 |
| 2026-05-28 | $59.40 | 28,800 |
| 2026-05-27 | $59.34 | 28,800 |
| 2026-05-26 | $59.47 | 30,200 |
| 2026-05-22 | $58.63 | 57,900 |
About Peoples Financial Services Corp.
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.
đ° Latest News
Should You Buy Peoples Financial Services Corp. (NASDAQ:PFIS) For Its Upcoming Dividend?
Simply Wall St. âĸ 2026-05-24T13:18:44Z
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Simply Wall St. âĸ 2026-05-22T17:33:30Z
Should You Be Adding Peoples Financial Services (NASDAQ:PFIS) To Your Watchlist Today?
Simply Wall St. âĸ 2026-04-27T10:51:22Z
Peoples Financial Services (NASDAQ:PFIS) Is Paying Out A Larger Dividend Than Last Year
Simply Wall St. âĸ 2026-02-05T10:36:21Z
Peoples Financial Services: Q4 Earnings Snapshot
Associated Press Finance âĸ 2026-01-31T00:08:26ZUS Market's Undiscovered Gems California BanCorp And 2 Promising Small Caps
Simply Wall St. âĸ 2026-01-21T17:33:22Z
Individual investors account for 60% of Peoples Financial Services Corp.'s (NASDAQ:PFIS) ownership, while institutions account for 32%
Simply Wall St. âĸ 2025-12-30T11:14:16Z
US Market's Undiscovered Gems To Watch November 2025
Simply Wall St. âĸ 2025-11-19T11:33:10Z
Peoples Financial Services (PFIS) Margin Surge Reinforces Bullish Narrative on Quality and Value
Simply Wall St. âĸ 2025-11-01T16:14:48Z
Peoples Financial Services: Q3 Earnings Snapshot
Associated Press Finance âĸ 2025-10-30T21:19:04Z
Period:
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $187,758,000 | $134,490,000 | $100,908,000 | $108,072,000 |
| Operating Revenue | $187,758,000 | $134,490,000 | $100,908,000 | $108,072,000 |
| Expenses | ||||
| Interest Expense | $93,735,000 | $95,471,000 | $63,097,000 | $15,585,000 |
| Selling And Marketing Expense | $1,362,000 | $627,000 | $444,000 | - |
| General And Administrative Expense | $59,629,000 | $48,904,000 | $37,416,000 | $34,853,000 |
| Professional Expense And Contract Services Expense | $4,970,000 | $3,269,000 | $2,810,000 | $2,715,000 |
| Other Non Interest Expense | $15,310,000 | $12,063,000 | $8,101,000 | $8,646,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $59,187,000 | $8,498,000 | $27,380,000 | $38,090,000 |
| Net Interest Income | $165,802,000 | $115,900,000 | $86,750,000 | $95,747,000 |
| Interest Income | $259,537,000 | $211,371,000 | $149,847,000 | $111,332,000 |
| Normalized Income | $59,445,104 | $21,426,350 | $28,896,442 | $37,688,671 |
| Net Income From Continuing And Discontinued Operation | $59,187,000 | $8,498,000 | $27,380,000 | $38,090,000 |
| Net Income Common Stockholders | $59,187,000 | $8,498,000 | $27,380,000 | $38,090,000 |
| Net Income | $59,187,000 | $8,498,000 | $27,380,000 | $38,090,000 |
| Net Income Including Noncontrolling Interests | $59,187,000 | $8,498,000 | $27,380,000 | $38,090,000 |
| Net Income Continuous Operations | $59,187,000 | $8,498,000 | $27,380,000 | $38,090,000 |
| Pretax Income | $72,234,000 | $8,468,000 | $32,501,000 | $45,366,000 |
| Special Income Charges | $-310,000 | $-16,365,000 | $-1,819,000 | $-1,381,000 |
| Depreciation Amortization Depletion Income Statement | $6,397,000 | $3,367,000 | $105,000 | $363,000 |
| Depreciation And Amortization In Income Statement | $6,397,000 | $3,367,000 | $105,000 | $363,000 |
| Amortization Of Intangibles Income Statement | $6,397,000 | $3,367,000 | $105,000 | $363,000 |
| Per Share | ||||
| Diluted EPS | $5.88 | $0.99 | $3.83 | $5.28 |
| Basic EPS | $5.92 | $1.00 | $3.85 | $5.31 |
| Other | ||||
| Tax Effect Of Unusual Items | $-56,896 | $-3,436,650 | $-284,558 | $76,671 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Total Unusual Items | $-315,000 | $-16,365,000 | $-1,801,000 | $478,000 |
| Total Unusual Items Excluding Goodwill | $-315,000 | $-16,365,000 | $-1,801,000 | $478,000 |
| Reconciled Depreciation | $10,621,000 | $7,236,000 | $3,497,000 | $4,034,000 |
| Diluted Average Shares | $10,073,996 | $8,586,035 | $7,151,471 | $7,211,643 |
| Basic Average Shares | $9,994,281 | $8,531,122 | $7,107,908 | $7,168,092 |
| Diluted NI Availto Com Stockholders | $59,187,000 | $8,498,000 | $27,380,000 | $38,090,000 |
| Tax Provision | $13,047,000 | $-30,000 | $5,121,000 | $7,276,000 |
| Other Special Charges | $74,000 | $165,000 | $3,000 | $1,381,000 |
| Restructuring And Mergern Acquisition | $236,000 | $16,200,000 | $1,816,000 | - |
| Gain On Sale Of Security | $-966,000 | $418,000 | $460,000 | $-1,385,000 |
| Amortization | $6,397,000 | $3,367,000 | $105,000 | $363,000 |
| Selling General And Administration | $60,991,000 | $49,531,000 | $37,860,000 | $34,853,000 |
| Insurance And Claims | $3,288,000 | $3,158,000 | $2,131,000 | $1,300,000 |
| Salaries And Wages | $56,341,000 | $45,746,000 | $35,285,000 | $33,553,000 |
| Occupancy And Equipment | $27,448,000 | $22,296,000 | $17,146,000 | $16,578,000 |
| Gain On Sale Of Business | - | - | - | - |
Fetched: 2026-06-21
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $414,950,000 | $357,463,000 | $276,182,000 | $250,961,000 |
| Total Assets | $5,270,578,000 | $5,091,657,000 | $3,742,289,000 | $3,553,515,000 |
| Goodwill And Other Intangible Assets | $104,897,000 | $111,487,000 | $64,240,000 | $64,389,000 |
| Other Intangible Assets | $28,911,000 | $35,501,000 | $870,000 | $1,019,000 |
| Prepaid Assets | $15,162,000 | $14,123,000 | $9,553,000 | $5,400,000 |
| Receivables | $17,633,000 | $15,632,000 | $12,734,000 | $11,715,000 |
| Accounts Receivable | $17,633,000 | $15,632,000 | $12,734,000 | $11,715,000 |
| Cash And Cash Equivalents | $67,741,000 | $55,622,000 | $42,665,000 | $37,868,000 |
| Cash Financial | $58,420,000 | $47,029,000 | $33,524,000 | $37,675,000 |
| Cash Cash Equivalents And Federal Funds Sold | $281,441,000 | $146,071,000 | $192,545,000 | $47,498,000 |
| Debt | ||||
| Net Debt | $190,659,000 | $99,954,000 | $32,925,000 | $110,617,000 |
| Total Debt | $258,400,000 | $155,576,000 | $75,590,000 | $148,485,000 |
| Long Term Debt And Capital Lease Obligation | $225,679,000 | $139,676,000 | $58,000,000 | $33,555,000 |
| Long Term Debt | $225,679,000 | $139,676,000 | $58,000,000 | $33,555,000 |
| Current Debt And Capital Lease Obligation | $32,721,000 | $15,900,000 | $17,590,000 | $114,930,000 |
| Current Debt | $32,721,000 | $15,900,000 | $17,590,000 | $114,930,000 |
| Other Current Borrowings | $32,721,000 | $15,900,000 | $17,590,000 | $114,930,000 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $4,750,731,000 | $4,622,707,000 | $3,401,867,000 | $3,238,165,000 |
| Payables And Accrued Expenses | $6,792,000 | $5,503,000 | $5,765,000 | $903,000 |
| Payables | $6,792,000 | $5,503,000 | $5,765,000 | $903,000 |
| Accounts Payable | $6,792,000 | $5,503,000 | $5,765,000 | $903,000 |
| Equity | ||||
| Common Stock Equity | $519,847,000 | $468,950,000 | $340,422,000 | $315,350,000 |
| Total Equity Gross Minority Interest | $519,847,000 | $468,950,000 | $340,422,000 | $315,350,000 |
| Stockholders Equity | $519,847,000 | $468,950,000 | $340,422,000 | $315,350,000 |
| Gains Losses Not Affecting Retained Earnings | $-24,691,000 | $-40,695,000 | $-44,351,000 | $-56,336,000 |
| Other Equity Adjustments | $-24,691,000 | $-40,695,000 | $-44,351,000 | $-56,336,000 |
| Retained Earnings | $273,500,000 | $238,955,000 | $248,550,000 | $230,515,000 |
| Long Term Equity Investment | $4,908,000 | $5,080,000 | - | - |
| Other | ||||
| Ordinary Shares Number | $9,994,595 | $9,990,724 | $7,040,852 | $7,158,017 |
| Share Issued | $9,994,595 | $9,990,724 | $7,040,852 | $7,158,017 |
| Tangible Book Value | $414,950,000 | $357,463,000 | $276,182,000 | $250,961,000 |
| Invested Capital | $778,247,000 | $624,526,000 | $416,012,000 | $463,835,000 |
| Total Capitalization | $745,526,000 | $608,626,000 | $398,422,000 | $348,905,000 |
| Additional Paid In Capital | $251,023,000 | $250,695,000 | $122,130,000 | $126,850,000 |
| Capital Stock | $20,015,000 | $19,995,000 | $14,093,000 | $14,321,000 |
| Common Stock | $20,015,000 | $19,995,000 | $14,093,000 | $14,321,000 |
| Investments And Advances | $607,570,000 | $629,909,000 | $488,891,000 | $574,438,000 |
| Held To Maturity Securities | $72,047,000 | $78,184,000 | $84,851,000 | $91,179,000 |
| Available For Sale Securities | $242,027,000 | $20,316,000 | $5,113,000 | $5,556,000 |
| Goodwill | $75,986,000 | $75,986,000 | $63,370,000 | $63,370,000 |
| Net PPE | $78,496,000 | $73,283,000 | $61,276,000 | $55,667,000 |
| Accumulated Depreciation | $-47,863,000 | $-53,044,000 | $-38,746,000 | $-36,106,000 |
| Gross PPE | $126,359,000 | $126,327,000 | $100,022,000 | $91,773,000 |
| Other Properties | $17,797,000 | $12,302,000 | $10,576,000 | $7,980,000 |
| Machinery Furniture Equipment | $32,894,000 | $30,237,000 | $21,878,000 | $20,626,000 |
| Buildings And Improvements | $68,692,000 | $74,938,000 | $60,266,000 | $55,865,000 |
| Land And Improvements | $6,976,000 | $8,850,000 | $7,302,000 | $7,302,000 |
| Other Short Term Investments | $288,588,000 | $526,329,000 | $398,927,000 | $477,703,000 |
| Treasury Shares Number | - | - | $0 | - |
Fetched: 2026-06-21
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $43,341,000 | $32,150,000 | $27,327,000 | $34,526,000 |
| Operating Activities | ||||
| Operating Cash Flow | $54,275,000 | $34,725,000 | $33,252,000 | $42,357,000 |
| Cash Flow From Continuing Operating Activities | $54,275,000 | $34,725,000 | $33,252,000 | $42,357,000 |
| Operating Gains Losses | $2,259,000 | $167,000 | $-66,000 | $1,754,000 |
| Investing Activities | ||||
| Capital Expenditure | $-10,934,000 | $-2,575,000 | $-5,925,000 | $-7,831,000 |
| Investing Cash Flow | $-24,438,000 | $386,345,000 | $-25,754,000 | $-467,819,000 |
| Cash Flow From Continuing Investing Activities | $-24,438,000 | $386,345,000 | $-25,754,000 | $-467,819,000 |
| Net Other Investing Changes | $-1,247,000 | $-4,434,000 | $4,589,000 | $-9,188,000 |
| Financing Activities | ||||
| Financing Cash Flow | $103,296,000 | $-472,584,000 | $141,999,000 | $183,397,000 |
| Cash Flow From Continuing Financing Activities | $103,296,000 | $-472,584,000 | $141,999,000 | $183,397,000 |
| Cash Dividends Paid | $-24,642,000 | $-18,093,000 | $-11,659,000 | $-11,325,000 |
| Common Stock Dividend Paid | $-24,642,000 | $-18,093,000 | $-11,659,000 | $-11,325,000 |
| Repurchase Of Capital Stock | - | - | $-5,886,000 | $-1,253,000 |
| Net Common Stock Issuance | - | - | $-5,886,000 | $-1,253,000 |
| Other | ||||
| Repayment Of Debt | $-73,891,000 | $-23,287,000 | $-555,000 | $-2,156,000 |
| Interest Paid Supplemental Data | $92,446,000 | $95,733,000 | $58,235,000 | $15,090,000 |
| Income Tax Paid Supplemental Data | $7,564,000 | $1,854,000 | $3,462,000 | $10,000,000 |
| End Cash Position | $268,984,000 | $135,851,000 | $187,365,000 | $37,868,000 |
| Beginning Cash Position | $135,851,000 | $187,365,000 | $37,868,000 | $279,933,000 |
| Changes In Cash | $133,133,000 | $-51,514,000 | $149,497,000 | $-242,065,000 |
| Net Issuance Payments Of Debt | $102,119,000 | $-154,677,000 | $-72,895,000 | $112,774,000 |
| Net Short Term Debt Issuance | $16,821,000 | $-131,390,000 | $-97,340,000 | $114,930,000 |
| Net Long Term Debt Issuance | $85,298,000 | $-23,287,000 | $24,445,000 | $-2,156,000 |
| Long Term Debt Payments | $-73,891,000 | $-23,287,000 | $-555,000 | $-2,156,000 |
| Long Term Debt Issuance | $159,189,000 | - | $25,000,000 | - |
| Net Investment Purchase And Sale | $41,004,000 | $301,804,000 | $98,903,000 | $-48,271,000 |
| Sale Of Investment | $209,827,000 | $307,447,000 | $98,903,000 | $90,439,000 |
| Purchase Of Investment | $-168,823,000 | $-5,643,000 | - | $-138,710,000 |
| Net PPE Purchase And Sale | $-3,542,000 | $-768,000 | $-5,911,000 | $-7,661,000 |
| Sale Of PPE | $7,392,000 | $1,807,000 | $14,000 | $170,000 |
| Purchase Of PPE | $-10,934,000 | $-2,575,000 | $-5,925,000 | $-7,831,000 |
| Change In Working Capital | $-3,472,000 | $12,367,000 | $-1,075,000 | $-4,441,000 |
| Change In Other Current Liabilities | $-8,298,000 | $2,273,000 | $-2,833,000 | $-48,000 |
| Change In Other Current Assets | $5,538,000 | $7,772,000 | $-2,085,000 | $-1,701,000 |
| Change In Payables And Accrued Expense | $1,289,000 | $-2,228,000 | $4,862,000 | $495,000 |
| Change In Payable | $1,289,000 | $-2,228,000 | $4,862,000 | $495,000 |
| Change In Account Payable | $1,289,000 | $-2,228,000 | $4,862,000 | $495,000 |
| Change In Receivables | $-2,001,000 | $4,550,000 | $-1,019,000 | $-3,187,000 |
| Changes In Account Receivables | $-2,001,000 | $4,550,000 | $-1,019,000 | $-3,187,000 |
| Other Non Cash Items | $-17,616,000 | $-8,072,000 | $-1,347,000 | $-1,043,000 |
| Stock Based Compensation | $348,000 | $786,000 | $888,000 | $534,000 |
| Unrealized Gain Loss On Investment Securities | $-168,000 | $-132,000 | $11,000 | $31,000 |
| Amortization Of Securities | $-1,634,000 | $-339,000 | $1,436,000 | $1,942,000 |
| Deferred Tax | $4,714,000 | $-3,647,000 | $1,268,000 | $611,000 |
| Deferred Income Tax | $4,714,000 | $-3,647,000 | $1,268,000 | $611,000 |
| Depreciation Amortization Depletion | $10,621,000 | $7,236,000 | $3,497,000 | $4,034,000 |
| Depreciation And Amortization | $10,621,000 | $7,236,000 | $3,497,000 | $4,034,000 |
| Amortization Cash Flow | $6,497,000 | $3,420,000 | $105,000 | $363,000 |
| Amortization Of Intangibles | $6,497,000 | $3,420,000 | $105,000 | $363,000 |
| Depreciation | $4,124,000 | $3,816,000 | $3,392,000 | $3,671,000 |
| Gain Loss On Investment Securities | $2,241,000 | $-1,000 | $-81,000 | $1,976,000 |
| Gain Loss On Sale Of PPE | $74,000 | $165,000 | $3,000 | $-175,000 |
| Net Income From Continuing Operations | $59,187,000 | $8,498,000 | $27,380,000 | $38,090,000 |
| Net Business Purchase And Sale | - | $28,067,000 | - | - |
| Sale Of Business | - | $28,067,000 | - | - |
| Common Stock Payments | - | - | $-5,886,000 | $-1,253,000 |
| Short Term Debt Issuance | - | - | - | $114,930,000 |
| Short Term Debt Payments | - | - | - | - |
| Gain Loss On Sale Of Business | - | - | - | - |
Fetched: 2026-06-21