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Peoples Financial Services Corp.(PFIS)Earnings, Financials & Key Ratios
PFIS•NASDAQ•Banking & Credit
$68.03
11.6× P/E·Price updated Jul 2, 2026
AboutPeoples Financial Services Corp. operates as the bank holding company for Peoples Security Bank and Trust Company that provides various commercial and retail banking services. The company accepts money market, NOW, 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, working capital, construction, small business administration, and agricultural loans, as well as loans for equipment and other commercial needs, and mineral rights. In addition, the company offers 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 investment portfolio management, estate and business succession planning, annuities, insurance, retirement plan, and tax planning, as well as education funding strategies; and securities and brokerage, and investor services. Additionally, the company offers small business checking and merchant money market accounts, online and telephone banking, business credit cards, merchant line of credit, and financial checkup services; and 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 through 28 full-service community banking offices located in Allegheny, Bucks, Lackawanna, Lebanon, Lehigh, Luzerne, Monroe, Montgomery, Northampton, Susquehanna, and Wyoming Counties of Pennsylvania; Middlesex County of New Jersey; and Broome County of New York. The company was founded in 1905 and is headquartered in Scranton, Pennsylvania.Show more
- Net Interest Income$166M+43.2%
- Total Revenue$281M+22.3%
- Net Income$59M+596.5%
- Return on Equity11.97%+470.1%
- Net Interest Margin3.15%+38.3%
- Efficiency Ratio40.89%-12.0%
- ROA1.14%+493.8%
- Equity / Assets9.86%+7.1%
- Book Value per Share51.60-5.5%
PFIS Price & Volume
Peoples Financial Services Corp. (PFIS) stock price & volume — 10-year historical chart
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Strategic Asset Expansion Drives Revenue Scale Inflection
Investment Thesis • Updated 2026Q1
VerdictNeutral
Growth:Expanding
Profitability:Moderate
Financial:Healthy
Cash Flow:Stable
Primary Risk:Integration and funding costs
Key Thesis Takeaways
- Peoples Financial Services Corp.
- has successfully executed a transformational inorganic growth strategy, evidenced by total assets scaling from $3.7 billion in 2023Q4 to $5.4 billion by 2026Q1.
- While this expansion has fundamentally shifted the revenue base, with net interest income rising to $42.9 million in 2026Q1, investors should monitor the persistent 0.8% net interest margin and the volatility in credit provisioning that previously saw a $14.5 million charge in 2024Q3.
- The bank's ability to maintain a stable 0.10 equity-to-assets ratio while navigating integration costs suggests a disciplined approach to capital management that warrants further investigation as the new footprint matures.
Verdict Logic
while the bank has achieved a significant scale inflection with net interest income reaching $42.9 million, the compressed 0.8% net interest margin and historical provisioning volatility suggest that investors should wait for more consistent earnings quality before increasing exposure.
PFIS Growth Metrics
Peoples Financial Services Corp. (PFIS) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years13.95%
5 Years20.46%
3 Years31.46%
TTM-
Profit CAGR
10 Years12.82%
5 Years15.06%
3 Years15.83%
TTM194.02%
EPS CAGR
10 Years9.56%
5 Years8.01%
3 Years3.65%
TTM174.65%
Return on Capital
10 Years7.86%
5 Years7.31%
3 Years3.94%
Last Year2.45%
PFIS Recent Earnings
Peoples Financial Services Corp. (PFIS) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 5/12 qtrs (56%)●Beat Revenue 2/12 qtrs (22%)
Q2 2026Latest
Apr 30, 2026Metric
Actual
Est
EPS
$1.43-7.1%
$1.54
Rev
$50M-0.4%
$50M
Q2 2026
Mar 16, 2026Metric
Actual
Est
EPS
$1.19
—
Rev
$70M
—
Q1 2026
Feb 5, 2026Metric
Actual
Est
EPS
$1.36-10.5%
$1.52
Rev
$47M-3.1%
$48M
Q1 2026
Jan 30, 2026Metric
Actual
Est
EPS
$1.36-10.5%
$1.52
Rev
$47M-6.3%
$50M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 30, 2026 | $1.43vs $1.54-7.1% | $50Mvs $50M-0.4% |
| Q2 2026 | Mar 16, 2026 | $1.19 | $70M |
| Q1 2026 | Feb 5, 2026 | $1.36vs $1.52-10.5% | $47Mvs $48M-3.1% |
| Q1 2026 | Jan 30, 2026 | $1.36vs $1.52-10.5% | $47Mvs $50M-6.3% |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for Peoples Financial Services Corp. (PFIS)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $68.03 | $681.04M | 11.57 | 22.26% | 21.07% | 11.97% | 3.6% | |
| $50.25 | $2.61B | 15.09 | 10.36% | 19.66% | 9.83% | — | |
| $24.46 | $4.68B | 11.76 | 5.03% | 20.93% | 11.45% | — | |
| $23.95 | $230.98M | 16.40 | -9.41% | 16.49% | 8% | — | |
| $24.04 | $430.71M | 16.47 | -0.82% | 10.52% | 5.54% | — | |
| $39.95 | $3.84B | 17.68 | 51.41% | 21.27% | 8% | — |
Compare PFIS vs Peers
Peoples Financial Services Corp. (PFIS) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
PFIS SEC Filings & Documents
Peoples Financial Services Corp. (PFIS) SEC filings — annual & quarterly reports (10-K, 10-Q)
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PFIS Frequently Asked Questions
Peoples Financial Services Corp. (PFIS) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Peoples Financial Services Corp. growing?
Peoples Financial Services Corp. (PFIS) grew revenue by 22.3% over the past year. This is strong growth.
Is PFIS profitable?
Yes, Peoples Financial Services Corp. (PFIS) is profitable, generating $58.9M in net income for fiscal year 2025 (21.1% net margin).
Dividend & Returns
Does PFIS pay dividends?
Yes, Peoples Financial Services Corp. (PFIS) pays a dividend with a yield of 3.60%. This makes it attractive for income-focused investors.
What is PFIS's return on equity?
Peoples Financial Services Corp. (PFIS) has a return on equity (ROE) of 12.0%. This is reasonable for most industries.
Industry Metrics
What is Peoples Financial Services Corp.'s net interest margin?
Peoples Financial Services Corp. (PFIS) has a net interest margin (NIM) of 3.1%. This indicates healthy earnings from lending activities.
What is Peoples Financial Services Corp.'s efficiency ratio?
Peoples Financial Services Corp. (PFIS) has an efficiency ratio of 40.9%. This is excellent, indicating strong cost control.