# Peoples Financial Services Corp. (PFIS)

> Source: Nexqual · https://nexqual.com/PFIS · data as of 2026-10-23 20:00 UTC · cite as "Nexqual, Peoples Financial Services Corp. (PFIS), nexqual.com/PFIS" · informational, not investment advice.

**Price:** USD 70.68 (-0.35% on the day) · last close of Oct 23, 2026; US market closed, not a live price. Prev close 70.93 · day 70.45–71.1 · 52w 43.64–73.37 · market cap $708M · NMS

## Key facts
- Last four reported quarters (through Jun 30, 2026): revenue $195M, net income $56.8M (29.1% margin) (SEC filings).
- Valuation: P/E 12.5x (avg 24.2x at the last 3 fiscal year-ends).
- 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)
| 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)
P/E 12.5x · P/S 3.6x · P/FCF 15.8x · P/B 1.3x · FCF yield 6.35% · Earnings yield 8.02% · Dividend yield (paid, TTM) 3.51%
P/E at fiscal year-ends: Dec 2025 8.3x, Dec 2024 51.7x, Dec 2023 12.7x.

## Analysts
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)
|  | 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) |

## Peers (Banks - Regional)
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%

## More
Full page: https://nexqual.com/PFIS · Free keyless MCP server with the same data and citations: https://mcp.nexqual.com/mcp · Guide for agents: https://nexqual.com/agents · https://nexqual.com/llms.txt

## Supply chain and relationships (SEC annual reports)

Named in PFIS's own 10-K filed 2026-03-16 (https://www.sec.gov/Archives/edgar/data/1056943/000110465926028106/pfis-20251231x10k.htm):

| 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 FD…" |

## Analyst estimates and revisions

| Period | EPS est. | 90d ago | Change | Revenue est. | Analysts |
|---|---|---|---|---|---|
| Current quarter (ends 2026-09-30) | $1.71 | $1.69 | +1.2% | $53.8M | 2 |
| Next quarter (ends 2026-12-31) | $1.72 | $1.73 | -0.6% | $54.3M | 2 |
| Current fiscal year (ends 2026-12-31) | $6.30 | $6.46 | -2.5% | $209.6M | 2 |
| Next fiscal year (ends 2027-12-31) | $7.20 | $7.30 | -1.4% | $223.9M | 2 |