Receive $200 for creating an Interactive Brokers account using our link: Create IBKR account. Read our Interactive Brokers analysis

Ticker
PFIS

Price
57.17
Stock movement up
+0.29 (0.51%)
Company name
Peoples Fin
Exchange
(NASDAQ
,
Currency
USD
)
Sector
Financial Services >
Banks - Regional
Market cap
571.39M
Ent value
5.26B
Price/Sales
2.03
Price/Book
1.10
Div yield
4.32%
Div growth
11.40%
Growth years
9
FCF payout
61.39%
Trailing P/E
9.65
Forward P/E
7.92
PEG
-
EPS growth
7.99%
1 year return (CAGR)
10.22%
3 year return (CAGR)
2.63%
5 year return (CAGR)
7.83%
10 year return (CAGR)
4.76%
Last updated: 2026-02-20

iO Charts is a Seeking Alpha partner

iO Charts is a Seeking Alpha partner

DIVIDENDS

Dividend yield - 5y

Loading...
Dividend yield data
Dividend per share2.47
Dividend yield4.32%
Payout frequency-
Maximum yield6.07%
Average yield3.98%
Minimum yield2.74%
Discount to avg yield7.94%
Upside potential8.63%
Yield as % of max yield71.14%

Yield distribution (inverse percentile) - 5y

Loading...
Yield distribution data
Dividend yield4.32%
Current yield distribution32.62%
Yield at 100% (Min)2.74%
Yield at 90%3.04%
Yield at 80%3.19%
Yield at 50% (Median)3.75%
Yield at 20%4.93%
Yield at 10%5.23%
Yield at 0% (Max)6.07%

Dividend per share

Loading...
Dividend per share data
Years of growth9 years
CCC statusDividend Challenger
Dividend per share2.47
Payout frequency-
Ex-div date27 Feb 2026
EPS (TTM)5.87
EPS (1y forward)7.21
EPS growth (5y)7.99%
EPS growth (5y forward)-

Dividend growth

Loading...
Please create a free account or log in to access this chart
Dividend growth data
PFISS&P500
DGR MR50.61%-13.74%
DGR TTM20.19%6.60%
DGR 3 years16.06%7.31%
DGR 5 years11.40%4.69%
DGR 10 years7.13%6.30%
DGR 15 years7.90%8.16%
Time since last change announced577 days
EPS growth (5y)7.99%
EPS growth (5y forward)-

Payout ratio

Loading...
Please create a free account or log in to access this chart
Payout ratio data
EPS coverageFCF coverage
TTM31.22%61.39%
Average--
Forward34.23%-

iO Charts is a Seeking Alpha partner

VALUATION

Valuation Ratios

Loading...
Valuation Ratios data
Trailing P/E9.65
Price to OCF14.96
Price to FCF18.98
Price to EBITDA8.72
EV to EBITDA80.33

Valuation (Sales/Book Value)

Loading...
Valuation (Sales/Book Value) data
Price to Sales2.03
Price to Book1.10
EV to Sales18.71

iO Charts is a Seeking Alpha partner

iO Charts is a Seeking Alpha partner

FINANCIALS

Per share

Loading...
Per share data
Current share count9.99M
EPS (TTM)5.87
FCF per share (TTM)2.99

Income statement

Loading...
Income statement data
Revenue (TTM)281.36M
Gross profit (TTM)187.53M
Operating income (TTM)72.30M
Net income (TTM)59.19M
EPS (TTM)5.87
EPS (1y forward)7.21

Margins

Loading...
Margins data
Gross margin (TTM)66.65%
Operating margin (TTM)25.70%
Profit margin (TTM)21.04%

Balance Sheet

Loading...
Please create a free account or log in to access this chart
Balance Sheet data
Cash58.42M
Net receivables17.63M
Total current assets76.05M
Goodwill75.99M
Intangible assets27.70M
Property, plant and equipment0.00
Total assets5.27B
Accounts payable0.00
Short/Current long term debt167.07M
Total current liabilities32.72M
Total liabilities4.75B
Shareholder's equity519.85M
Net tangible assets0.00

Cash flow

Loading...
Please create a free account or log in to access this chart
Cash flow data
Operating cash flow (TTM)38.18M
Capital expenditures (TTM)8.08M
Free cash flow (TTM)30.10M
Dividends paid (TTM)18.48M

Financial returns

Loading...
Please create a free account or log in to access this chart
Financial returns data
Return on Equity11.39%
Return on Assets1.12%
Return on Invested Capital10.71%
Cash Return on Invested Capital5.45%

iO Charts is a Seeking Alpha partner

iO Charts is a Seeking Alpha partner

STOCK INFORMATION

Stock chart

Loading...
Stock price data
Open56.97
Daily high57.71
Daily low56.76
Daily Volume30K
All-time high58.76
1y analyst estimate57.50
Beta0.77
EPS (TTM)5.87
Dividend per share2.47
Ex-div date27 Feb 2026
Next earnings date30 Apr 2026

Downside potential

Loading...
Downside potential data
PFISS&P500
Current price drop from All-time high-2.71%-1.82%
Highest price drop-58.13%-56.47%
Date of highest drop8 May 20099 Mar 2009
Avg drop from high-21.27%-10.84%
Avg time to new high72 days12 days
Max time to new high1381 days1805 days
COMPANY DETAILS
PFIS (Peoples Fin) company logo
Marketcap
571.39M
Marketcap category
Small-cap
Description
Peoples Financial Services Corp. provides commercial and retail banking services. The company accepts money market, negotiable order of withdrawal, 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 fiduciary and investment services; 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 wealth management products and services comprising investment portfolio management, estate and business succession planning, annuities, insurance, retirement plan, and tax planning, as well as education funding strategies; and securities, 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. The company was founded in 1905 and is headquartered in Moosic, Pennsylvania.
Employees
511
Investor relations
-
SEC filings
CEO
Craig W. Best
Country
USA
City
Scranton
Stock type
Common stock
CCC status
Dividend Challenger
Dividend Frequency
-
EVENTS AND PRESENTATIONS
EventsPresentations
Loading...

iO Charts is a Seeking Alpha partner

iO Charts is a Seeking Alpha partner

UNDERSTAND THE BUSINESS
Loading...