Stock Scorecard
Stock Summary for Peoples Financial Services Corp (PFIS) - $56.88 as of 2/17/2026 5:44:41 AM EST
Total Score
20 out of 30
Safety Score
59 out of 100
Currently on the following lists
None
Tim's Recommendation
Buy
Growth List Algorithm Criteria for PFIS
| Positive Quarterly and Annual earnings growth | |
| P/E ratio less than Industry P/E Ratio | |
| P/E ratio less than Sector P/E Ratio | |
| P/E ratio that is half the Annual earnings growth rate (or less) | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Positive net income past year and 12 trailing months | |
| Free cash flow ratio greater than 0 and less than 10 |
Small Cap List Algorithm Criteria for PFIS
| Revenue growing by at least 20% average per year over the last 5 years | |
| Market Capitalization under 2 billion | |
| Price to Sales (P/S) ratio 12 trailing months less than Industry P/S ratio twelve trailing months | |
| Price to Sales (P/S) ratio 12 trailing months less than Sector P/S ratio twelve trailing months | |
| Net Income past year > Net Income prior year OR Net Income 12 trailing months > Net Income prior year OR Net Income 12 trailing months > Net Income past year |
Dividend List Algorithm Criteria for PFIS
| Declared an ex-dividend date | |
| Forward annual dividend rate greater than 2 | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Current ratio most recent quarter greater than 2 | |
| Cash Flow per Share greater than Trailing Dividend Rate |
Bonus Criteria for PFIS
| P/E ratio less than five-year Average P/E ratio | |
| Last Price to 52 Week Low Ratio Less Than 1 | |
| Total Cash Per Share > Last Day Price | |
| P/S Ratio < 1 | |
| P/B Ratio < 1 |
Safety Rating Criteria for PFIS (59 out of 100)
| Stock Price Rating (Max of 10) | 9 |
| Historical Stock Price Rating (Max of 10) | 8 |
| Stock Price Trend (Max of 10) | 9 |
| Book Value (Max of 10) | 9 |
| Book Value to Price (Max of 10) | 2 |
| Analyst Buy Ratings (Max of 5) | 0 |
| Analyst Strong Buy Ratings (Max of 5) | 0 |
| Dividend Yield Percentage (Max of 10) | 6 |
| Operating Margin (Max of 10) | 6 |
| Trading Volume (Max of 10) | 1 |
| Price to Earnings (Max of 10) | 9 |
| Geopolitical Risk Adjustment (Always 0 for USA or a Negative Number for Non-USA) | 0 |
Latest News for for PFIS
Financial Details for PFIS
Company Overview |
|
|---|---|
| Ticker | PFIS |
| Company Name | Peoples Financial Services Corp |
| Country | USA |
| Description | Peoples Financial Services Corp. The company is headquartered in Scranton, Pennsylvania. |
| Sector Name | FINANCIAL SERVICES |
| Industry Name | BANKS - REGIONAL |
| Most Recent Quarter | 12/31/2025 |
| Next Earnings Date | 4/30/2026 |
Stock Price History |
|
| Last Day Price | 56.88 |
| Price 4 Years Ago | 45.45 |
| Last Day Price Updated | 2/17/2026 5:44:41 AM EST |
| Last Day Volume | 12,376 |
| Average Daily Volume | 23,565 |
| 52-Week High | 57.20 |
| 52-Week Low | 37.49 |
| Last Price to 52 Week Low | 51.72% |
Valuation Measures |
|
| Trailing PE | 9.67 |
| Industry PE | 14.04 |
| Sector PE | 35.58 |
| 5-Year Average PE | 9.99 |
| Free Cash Flow Ratio | 9.72 |
| Industry Free Cash Flow Ratio | 10.82 |
| Sector Free Cash Flow Ratio | 25.45 |
| Current Ratio Most Recent Quarter | 2.32 |
| Total Cash Per Share | 5.85 |
| Book Value Per Share Most Recent Quarter | 52.01 |
| Price to Book Ratio | 1.09 |
| Industry Price to Book Ratio | 1.21 |
| Sector Price to Book Ratio | 1.91 |
| Price to Sales Ratio Twelve Trailing Months | 3.03 |
| Industry Price to Sales Ratio Twelve Trailing Months | 3.47 |
| Sector Price to Sales Ratio Twelve Trailing Months | 3.52 |
| Analyst Buy Ratings | 0 |
| Analyst Strong Buy Ratings | 0 |
Share Statistics |
|
| Total Shares Outstanding | 9,994,600 |
| Market Capitalization | 568,492,848 |
| Institutional Ownership | 31.56% |
Dividends |
|
| Ex-Dividend Date | 2/27/2026 |
| Previous Dividend Amount | 0.6175 |
| Current Dividend Amount | 0.6250 |
| Total Years Dividend Increasing | 9 |
| Trailing Annual Dividend Rate | 2.47 |
| Trailing Annual Dividend Yield | 4.40% |
| Forward Annual Dividend Rate | 2.50 |
| Forward Annual Dividend Yield | 4.45% |
| 5-Year Dividend Payments Count | 21 |
| 3-Year Average Dividend Yield | 5.07% |
| 5-Year Average Dividend Yield | 4.12% |
| 1-Year Dividend Growth Rate Percentage | 1.21% |
| 3-Year Dividend Growth Rate Percentage | 0.61% |
| 5-Year Dividend Growth Rate Percentage | 12.16% |
| All-Time Dividend Growth Rate Percentage | 9.68% |
| Dividend Payout Ratio | 42.01% |
Income Statement |
|
| Quarterly Earnings Growth YOY | 97.00% |
| Annual Earnings Growth | 596.48% |
| Reported EPS 12 Trailing Months | 5.88 |
| Reported EPS Past Year | 6.07 |
| Reported EPS Prior Year | 3.77 |
| Net Income Twelve Trailing Months | 59,187,000 |
| Net Income Past Year | 59,187,000 |
| Net Income Prior Year | 8,498,000 |
| Quarterly Revenue Growth YOY | 12.20% |
| 5-Year Revenue Growth | 20.46% |
| Operating Margin Twelve Trailing Months | 36.90% |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 58,420,000 |
| Total Cash Past Year | 55,622,000 |
| Total Cash Prior Year | 55,622,000 |
| Net Cash Position Most Recent Quarter | -169,834,000 |
| Net Cash Position Past Year | -84,054,000 |
| Long Term Debt Past Year | 139,676,000 |
| Long Term Debt Prior Year | 139,676,000 |
| Total Debt Most Recent Quarter | 228,254,000 |
| Equity to Debt Ratio Past Year | 0.79 |
| Equity to Debt Ratio Most Recent Quarter | 0.69 |
| Total Stockholder Equity Past Year | 519,847,000 |
| Total Stockholder Equity Prior Year | 468,950,000 |
| Total Stockholder Equity Most Recent Quarter | 519,847,000 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | 30,104,000 |
| Free Cash Flow Per Share Twelve Trailing Months | 3.01 |
| Free Cash Flow Past Year | 31,348,000 |
| Free Cash Flow Prior Year | 31,348,000 |
Options |
|
| Put/Call Ratio | 0.00 |
| Has Options | False |
| Liquidity Rating | None |
Technical Analysis |
|
| Yahoo Finance Chart | Yahoo Finance Chart |
| MACD | 1.73 |
| MACD Signal | 1.34 |
| 20-Day Bollinger Lower Band | 42.67 |
| 20-Day Bollinger Middle Band | 49.24 |
| 20-Day Bollinger Upper Band | 55.81 |
| Beta | 0.77 |
| RSI | 72.77 |
| 50-Day SMA | 43.16 |
| 150-Day SMA | 0.00 |
| 200-Day SMA | 43.54 |
System |
|
| Modified | 2/17/2026 5:44:45 AM EST |