Peoples Financial Services Corp. (PFIS) Stock Price & Analysis
Peoples Financial Services Corp. (PFIS) closed at USD 70.68 on Friday, October 23, 2026, down 0.35% on the day. The US market is currently closed; this is not a live price.
The prior close was USD 70.93; the Oct 23, 2026 session ranged USD 70.45–71.1 on volume of 42,694 shares. Market capitalization is $707.53M, with a 52-week range of USD 43.64–73.37 (NMS). Source: Nexqual, retrieved October 24, 2026 at 03:48 UTC.
Also available as compact Markdown for AI agents: nexqual.com/PFIS.md
Key facts (PFIS)
- Last four reported quarters (through Jun 30, 2026): revenue $195M, net income $56.8M (29.1% margin) (SEC filings).
- Analysts: Hold (mean 3.00 on a 1–5 scale) (2 analysts), mean target USD 73.5 (range 72–75).
- Total return with dividends: 1Y +52.9% vs S&P 500 +13.4%; 5Y +88.7% vs S&P 500 +76.9%.
- Next earnings: 2026-10-29, EPS estimate USD 1.71, revenue estimate $53.8M.
Financials (SEC 10-K; TTM = last four 10-Q/10-K quarters) (PFIS)
| USD | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | TTM |
|---|---|---|---|---|---|---|
| Revenue | $110M | $108M | $101M | $134M | $188M | $195M |
| Net income | $43.5M | $38.1M | $27.4M | $8.5M | $59.2M | $56.8M |
| EPS (diluted) | $6.02 | $5.28 | $3.83 | $0.99 | $5.88 | — |
| Free cash flow | $35.9M | $34.5M | $27.3M | $32.1M | $43.3M | $44.9M |
| Net margin | 39.5% | 35.4% | 27.1% | 6.3% | 31.5% | 29.1% |
| Revenue growth | +14.3% | -2.4% | -6.2% | +33.1% | +39.7% | — |
| Cash + short-term investments | $280M | $37.9M | $187M | $136M | $269M | — |
Fiscal years end Dec. EPS is split-adjusted.
Valuation (price ÷ last four quarters, through Jun 30, 2026) (PFIS)
P/E at fiscal year-ends: Dec 2025 8.3x, Dec 2024 51.7x, Dec 2023 12.7x.
Analysts (PFIS)
Consensus Hold (mean 3.00 on a 1–5 scale), 2 analysts; mean target USD 73.5 (low 72, high 75).
Total return (dividends reinvested) (PFIS)
| 1Y (from 2025-10-24) | 5Y (from 2021-10-25) | |
|---|---|---|
| Total return | +52.9% | +88.7% |
| S&P 500 (SPY) | +13.4% | +76.9% |
| Per year | +53.1% | +13.6% |
| Volatility (annualized) | 24.4% | 28.3% |
| Max drawdown | -10.4% (Feb 2026→Mar 2026) | -36.7% (Nov 2022→May 2023) |
PFIS revenue by product line (quarter ended Jun 30, 2026)
| Line | Revenue | Share of total | YoY |
|---|---|---|---|
| Bank Servicing | $3.4M | — | -6.9% |
| Asset Management1 | $753,000 | — | +21.6% |
| Commission & Fees On Fiduciary Activities | $588,000 | — | +4.4% |
| Credit Card | $489,000 | — | -16.3% |
| Total revenue | — | 100% | — |
As tagged by the company in its SEC 10-Q / 10-K filings (XBRL).
PFIS suppliers, customers and competitors (named in its 10-K)
| Relationship | Company | Sentence in the filing |
|---|---|---|
| Customer | Federal Deposit Insurance | “Furthermore, as we and other banks experienced in 2023, the failure of other financial institutions may cause deposit outflows as customers (i) spread deposits among several different banks to maximize their amount of FDIC insurance, (ii) move deposits to larger banks (who may be considered "too big to fail"), or (iii) remove deposits from the banking system entirely.” |
Quoted from the company's 10-K filed Mar 16, 2026.
PFIS analyst estimates and revisions
| Period | EPS estimate | 90 days ago | Change | Revenue estimate | Analysts |
|---|---|---|---|---|---|
| Current quarter (ends Sep 2026) | $1.71 | $1.69 | +1.2% | $53.8M | 2 |
| Next quarter (ends Dec 2026) | $1.72 | $1.73 | -0.6% | $54.3M | 2 |
| Current fiscal year (ends Dec 2026) | $6.30 | $6.46 | -2.5% | $209.6M | 2 |
| Next fiscal year (ends Dec 2027) | $7.20 | $7.30 | -1.4% | $223.9M | 2 |
Key Statistics (as of October 24, 2026 at 03:48 UTC)
| Price | USD 70.68 |
|---|---|
| Change | ▼ 0.35% (down) |
| Previous Close | USD 70.93 |
| Open | USD 70.91 |
| Day Range | USD 70.45 – 71.1 |
| 52-Week Range | USD 43.64 – 73.37 |
| Volume | 42,694 shares |
| Market Cap | $707.53M |
| Exchange | NMS |
Technical Analysis (PFIS)
Nexqual's technical model rates PFIS "NEUTRAL" based on 4 bullish and 3 bearish signals across 127 daily candles, as of October 24, 2026 at 03:48 UTC.
| Overall Signal | NEUTRAL |
|---|---|
| RSI (14) | 57.22 (neutral) |
| vs SMA50 | Above (USD 69.73) |
| MACD | -0.01 (negative) |
Analyst Ratings (PFIS)
Wall Street analysts rate PFIS "Hold" based on 2 analysts, with a mean price target of USD 73.5 (range USD 72–75), per Nexqual as of October 24, 2026 at 03:48 UTC.
| Consensus Rating | Hold |
|---|---|
| Analyst Count | 2 |
| Mean Target | USD 73.5 |
| High Target | USD 75 |
| Low Target | USD 72 |
| Buy / Hold / Sell | 0 / 2 / 0 |
Earnings (PFIS)
| Next Earnings Date | 2026-10-29 |
|---|---|
| EPS Estimate | USD 1.71 |
| Revenue Estimate | $53.80M |
Recent Earnings History
| Quarter | Actual vs Estimate |
|---|---|
| 2026-06-30 | USD 1.48 vs est 1.64 ▼ miss |
| 2026-03-31 | USD 1.43 vs est 1.54 ▼ miss |
| 2025-12-31 | USD 1.36 vs est 1.52 ▼ miss |
| 2025-09-30 | USD 1.51 vs est 1.54 ▼ miss |
Source: Nexqual, October 24, 2026 at 03:48 UTC.
Financials & Fundamentals (PFIS)
| Total Revenue | $190.72M |
|---|---|
| Revenue Growth (latest quarter, YoY) | +0.70% |
| Gross Margin | +0.00% |
| Operating Margin | +42.11% |
| Profit Margin | +29.77% |
| ROE | +11.02% |
| Total Cash | $270.58M |
| Total Debt | $345.46M |
Source: Nexqual, October 24, 2026 at 03:48 UTC.
Financial Health Score (PFIS)
Nexqual rates Peoples Financial Services Corp.'s overall financial health "Strong" across five dimensions, as of October 24, 2026 at 03:48 UTC.
| Growth | Strong — Revenue +40% YoY (annual) |
|---|---|
| Profitability | Strong — Net margin 32% (last 12 months); banks have no gross margin |
| Balance Sheet | N/A — Not comparable for banks: deposits and customer funds sit on the balance sheet, so cash vs debt does not measure safety (SEC industry: National Commercial Banks) |
| Cash Flow | N/A — Not meaningful for banks and lenders: lending and trading move operating cash flow by billions each year (SEC industry: National Commercial Banks) |
| Efficiency | Mixed — ROE 11%, ROA 1.1% |
Ownership (PFIS)
| Insider Ownership | +8.13% |
|---|---|
| Institutional Ownership | +36.37% |
| Shares Outstanding | 10.01M |
| Float | 9.17M |
| Short % of Float | +4.13% |
Source: Nexqual, October 24, 2026 at 03:48 UTC.
Leadership (PFIS)
Peoples Financial Services Corp. is led by Gerard A. Champi, President & CEO, per Nexqual as of October 24, 2026 at 03:48 UTC.
| President & CEO | Gerard A. Champi |
|---|---|
| Executive VP & CFO | James M. Bone Jr. |
| Executive VP & COO | John R. Anderson |
Major Backers & Investors (PFIS)
Notable institutional backers of Peoples Financial Services Corp. include American Century Companies Inc, Fidelity, Peoples Financial Services Corp, according to Nexqual as of October 24, 2026 at 03:48 UTC.
Active Investors
| Investor | Stake |
|---|---|
| American Century Companies Inc | 2.03% |
| Fidelity | 1.04% |
| Peoples Financial Services Corp | 0.89% |
| Bridgeway Capital Management, LLC | 0.83% |
Index Funds (Passive)
| Fund | Stake |
|---|---|
| BlackRock | 7.44% |
| Vanguard Group | 4.82% |
| Dimensional Fund Advisors | 3.39% |
| Geode Capital | 2.49% |
| State Street | 2.12% |
| Northern Trust | 0.86% |
Source: Nexqual, October 24, 2026 at 03:48 UTC.
Peers & Related Stocks
| Symbol | Name | Price | Change |
|---|---|---|---|
| BBD | Banco Bradesco Sa | USD 4.07 | ▲ 3.04% |
| FITB | Fifth Third Bancorp | USD 52.98 | ▼ 0.47% |
| DB | Deutsche Bank AG | USD 31.2 | ▼ 0.89% |
| TFC | Truist Financial Corporation | USD 48.44 | ▲ 0.04% |
| NWG | NatWest Group plc | USD 16.8 | ▼ 1.12% |
| NU | Nu Holdings Ltd. | USD 15.16 | ▲ 2.92% |
Data source: Nexqual — market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: October 24, 2026 at 03:48 UTC. This page is informational and not investment advice.
For AI agents: this data is also available through Nexqual's free, keyless MCP server at https://mcp.nexqual.com/mcp; every result includes source_url, as_of and cite_as. More: nexqual.com/agents · llms.txt