Peoples Financial Services Corp. (PFIS)
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Appears in These Scanners
This stock currently matches 17 of our scanner strategies — each hit links to the scanner.
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Trading Day
Key levels of the most recently completed trading day — not a live quote.
52-Week Range
Current price 70.40 $ — 95% of the range above the low.
Lowest and highest closing price over the last 52 weeks. The marker shows where the current price sits within that range: close to the high speaks for strength, close to the low for weakness.
Basics
Performance
Technical Indicators
Calculated from the price history · as of 08/03/2026
Valuation
Profitability
Balance Sheet & Safety
Growth
Dividend
Quality & Screener
AI Rating
–Not yet rated — we only show a category once an SEC-backed file with at least two cited passages is available. How the Rating Is Built
Growth Score
5 of 10 Solid growthTen checks against the annual reports — each one passed counts a point.
- Revenue grows by more than 15% a year over three years 31.5% passed
- More than 10% revenue growth is expected for the coming year 6.5% failed
- Share count grows by less than 3% a year 11.8% failed
- Revenue growth plus cash-flow margin add up to at least 40 ("Rule of 40") 37.7% failed
- Gross margin at 40% or higher and without meaningful erosion 66.6% passed
- Goodwill from acquisitions does not grow faster than revenue 1.4% passed
- Net debt below twice EBITDA 1 m net cash passed
- Operating cash flow covers the profits of the last three years 26 m passed
- Return on capital at 15% or higher, or up versus two years ago 1.4% failed
- Insiders hold at least 10% or are net buyers 8.1% failed
A criterion without figures counts neither as passed nor as failed; a score is only produced from 7 judgeable criteria upwards. Source: fundamental data. All ten criteria in detail
Analysts & Price Target
The price target sits 10.5% below the current price.
- Consensus
- Sell
- Analyst Ratings
- 2
Combined picture of the price targets and recommendations of every analyst covering the stock. Price targets are expectations for the next 12 months, not promises — and they often follow the price rather than predict it.
Estimates by Fiscal Year
| Fiscal Year | EPS Estimate ($) | EPS Range ($) | Revenue Estimate ($M) | Expected Growth | Analysts |
|---|---|---|---|---|---|
| 12/31/2026 | 6.78 | 6.78 – 6.78 | 208 | 11.7% | 1 |
| 12/31/2027 | 7.31 | 6.85 – 7.76 | 222 | 7.7% | 2 |
Average of the analyst estimates for the coming fiscal years. The range shows how far the most optimistic and the most cautious estimate sit apart — the wider it is, the less certain the expectation.
Revenue & Profit
Cash Flow
Balance Sheet
Margins
Per Share
Click the chart or tab into it, then use ← and → to step through the periods.
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· Total · per year
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The figures could not be loaded right now.
Source: fundamental data
Quarterly Figures
| Quarter | EPS (Earnings Per Share) | EPS YoY (%) | Sales ($M) | Sales YoY (%) | Net Margin (%) | OCF ($M) | FCF ($M) |
|---|---|---|---|---|---|---|---|
| 2024: Q4 | 0.61 | 18.30 | 72 | 65.10 | 8.50 | 3 | 6 |
| 2025: Q1 | 1.49 | 206.20 | 68 | 60.40 | 22.10 | 9 | 9 |
| 2025: Q2 | 1.68 | 264.50 | 72 | 70.80 | 23.70 | 14 | 9 |
| 2025: Q3 | 1.51 | – | 71 | -3.70 | 21.40 | 15 | 13 |
| 2025: Q4 | 1.19 | 96.10 | 71 | -1.40 | 17.00 | 16 | 13 |
| 2026: Q1 | 1.47 | -1.60 | 72 | 5.30 | 20.60 | 8 | 7 |
- EPS (Earnings Per Share):
- Quarterly profit divided by the total share count — how much of the profit works out to a single share.
- YoY (Year over Year):
- Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
- Sales:
- All revenue for the quarter, before any costs are deducted — the top line of the income statement.
- Net Margin:
- What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
- OCF (Operating Cash Flow):
- The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
- FCF (Free Cash Flow):
- Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.
Annual Figures
| Fiscal Year | Revenue ($M) | EBIT ($M) | Net Income ($M) | EPS ($) | Operating Cash Flow ($M) | Equity ($M) | Total Assets ($M) |
|---|---|---|---|---|---|---|---|
| 2016 | 82 | 25 | 20 | 2.65 | 28 | 257 | 2,000 |
| 2017 | 89 | 27 | 18 | 2.50 | 29 | 265 | 2,170 |
| 2018 | 98 | 28 | 25 | 3.37 | 33 | 279 | 2,288 |
| 2019 | 109 | 29 | 26 | 3.48 | 37 | 299 | 2,475 |
| 2020 | 111 | 34 | 29 | 4.00 | 37 | 317 | 2,884 |
| 2021 | 108 | 54 | 44 | 6.01 | 41 | 340 | 3,370 |
| 2022 | 124 | 45 | 38 | 5.28 | 42 | 315 | 3,554 |
| 2023 | 164 | 33 | 27 | 3.83 | 33 | 340 | 3,742 |
| 2024 | 230 | 8 | 9 | 0.99 | 34 | 469 | 5,092 |
| 2025 | 281 | 72 | 59 | 5.88 | 54 | 520 | 5,271 |
Fiscal years from the audited annual reports, oldest first. EBIT is the operating profit before interest and taxes; total assets are everything the company owns.
About the Company
Peoples Financial Services Corp. ist die Bankholding der Peoples Security Bank and Trust Company, die Geschäfts- und Privatkundenbankdienstleistungen in Pennsylvania, New Jersey und New York anbietet.
| Employees | 547 |
|---|---|
| Headquarters | Moosic, PA |
| Address | 30 E D Preate Drive, 18507 Moosic, United States |
| Phone | 570 346 7741 |
| Website | psbt.com |
| IPO Date | 5. Jun 2002 |
| ISIN | US7110401053 |
| Stock Split | 3:2 on 05/16/2003 |
Management
| Name | Title | Birth Year |
|---|---|---|
| Gerard A. Champi | President & CEO | 1961 |
| James M. Bone Jr., CPA | Executive VP & CFO | 1962 |
| John R. Anderson III | Executive VP & COO | 1967 |
| Timothy H. Kirtley | Executive VP, Chief Risk Officer & Corporate Secretary | 1970 |
| Jeffrey A. Drobins | Executive VP & Chief Lending Officer | 1985 |
| James P. Chiaro CMFC | Executive VP & Chief Investment Services Officer | 1976 |
| Stephanie A. Westington CPA | Executive VP & Chief Accounting Officer | 1965 |
| Susan L. Hubble | Executive VP & Chief Information Officer | 1956 |
| Marie L. Luciani | Investor Relations Officer & Assistant Secretary | 1961 |
| Mary Griffin Cummings Esq. | Executive VP & General Counsel | 1963 |
Executives per the latest required filings; titles kept in their original language. Source: fundamental data.
Chart
Interactive price chart (TradingView).
Data as of: July 31, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)
Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.