Stocks · Financial Services · Banks - Regional
Peoples Financial Services Corp. PFIS
$69.29 +1.64% Close, Oct 2, 2026 · NASDAQ · Market cap $693.7M
Strong trend
Next earnings report: Oct 29, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Diluted EPS over the last four quarters was $5.65, up 68.7% year over year.
- Operating margin widened to 24.5% from 13.9% a year earlier.
- The stock is in an uptrend: above its 200-day average for 183 trading days, with the 50-day average above the 200-day.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 30%
- EPS growth (TTM, YoY)Top 16%
- FCF growth (TTM, YoY)Bottom 44%
- Revenue growth, 3-year CAGRTop 15%
- Revenue growth accelerationBottom 16%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 7%
- Gross marginTop 47%
- Operating marginTop 42%
- Cash conversion (OCF / net income)Bottom 35%
- Accruals (lower is better)Bottom 32%
- Net debt / EBITDA (lower is better)Bottom 42%
- Interest coverBottom 42%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 35%
- Free-cash-flow yieldBottom 41%
- EBITDA / enterprise valueTop 34%
- Sales / enterprise valueTop 44%
- P/E vs own 5-year history (lower is better)Bottom 36%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 9%
- 6-month returnTop 13%
- 1-year return vs S&P 500Top 9%
- Distance from 52-week highTop 27%
- Trend checklist (0–4)Top 48%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 17%
- Consecutive EPS beatsBottom 17%
- Upside to consensus price targetBottom 2%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 45%
- Maximum drawdown, 3 yearsBottom 45%
- Beta vs S&P 500 (lower is better)Top 44%
- Net debt / EBITDA (lower is better)Bottom 42%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 11.6% | 0.9% | ↓ |
| EPS growth (YoY) | 174.6% | 68.7% | ↓ |
| Gross margin | 57.9% | 66.5% | ↑ |
| Operating margin | 13.9% | 24.5% | ↑ |
| FCF margin | 14.1% | 15.6% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 0.9% | 11.6% | ↓ | Bottom 30% |
| EPS growth (TTM, YoY) | 68.7% | 174.6% | ↓ | Top 16% |
| Gross margin | 66.5% | 57.9% | ↑ | Top 47% |
| Operating margin | 24.5% | 13.9% | ↑ | Top 42% |
| Net margin | 19.7% | 11.8% | ↑ | — |
| Free-cash-flow margin | 15.6% | 14.1% | ↑ | — |
| Return on invested capital | 19.0% | — | Top 7% | |
| Revenue growth, 3-year CAGR | 31.5% | — | Top 15% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 0.94×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- 0.1%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.5%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- +11.2 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 2.11×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.8×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 3.58%
- Net buyback yield (TTM)
- 0.01%
- Shareholder yield
- 3.58%
- Share count change, 1 year
- -0.5%
- Share count change, 3-year CAGR
- +11.8%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 7, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 0
- Beats in the last 8 reports
- 3 of 8
- Average EPS surprise, last 4
- -7.2%
- Average 2-day reaction, last 8
- +0.1%
- Positive 20 days after report
- 5 of 8
Analysts
- Consensus price target
- $56.00
- Target vs current price
- -19.2%
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 30, 2026 | -9.8% | -0.8% | -0.3% | -2.5% | — |
| Apr 30, 2026 | -7.1% | +0.7% | +4.1% | +6.1% | +24.1% |
| Feb 5, 2026 | -10.5% | -0.3% | +0.2% | -4.1% | +1.6% |
| Nov 4, 2025 | -1.3% | +0.1% | +4.0% | +9.1% | +16.0% |
| Jul 31, 2025 | +9.0% | +0.5% | -2.1% | +10.8% | -2.7% |
| May 1, 2025 | +13.5% | +2.2% | +6.1% | +13.8% | +16.8% |
| Feb 7, 2025 | -34.4% | -5.1% | -3.4% | -12.7% | -15.0% |
| Nov 5, 2024 | +51.9% | +3.3% | +11.7% | +15.9% | +8.8% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 30, 2026 | $1.48 | $1.64 | -9.8% | $52.1M |
| Apr 30, 2026 | $1.43 | $1.54 | -7.1% | $49.8M |
| Feb 5, 2026 | $1.36 | $1.52 | -10.5% | $46.8M |
| Nov 4, 2025 | $1.51 | $1.53 | -1.3% | $46.7M |
| Jul 31, 2025 | $1.69 | $1.55 | +9.0% | $48.4M |
| May 1, 2025 | $1.51 | $1.33 | +13.5% | $45.1M |
| Feb 7, 2025 | $0.99 | $1.51 | -34.4% | $44.2M |
| Nov 5, 2024 | $1.64 | $1.08 | +51.9% | $45.0M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 12.3× | 9.5× | 71th | Top 35% |
| P/E (forward) | 11.0× | — | — | — |
| EV / EBITDA | 11.0× | — | — | Top 34% |
| EV / Sales | 2.98× | — | — | Top 44% |
| Free-cash-flow yield | 6.47% | — | — | Bottom 41% |
| Earnings yield | 8.15% | — | — | Top 35% |
P/E over the past five years
Range 7.3× – 50.8× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +44.3%
- Earnings per share growth (TTM)
- +68.7%
- Change in P/E multiple
- -14.4%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 183
- 50-day average slope (20 days)
- +1.7%
- 200-day average slope (20 days)
- +3.6%
- Distance from 50-day average
- -1.6%
- Distance from 200-day average
- +15.0%
- RSI (14)
- 47.5
- Relative volume
- 0.89×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 19.6%
- Volatility vs own 5-year history
- 0th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.65
- Correlation with S&P 500
- 0.37
- Current drawdown from 1-year high
- -3.8%
- Maximum drawdown, 3 years
- -30.8%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Nov 10, 2022 | May 11, 2023 | -38.4% | 124 days | 388 days (Nov 25, 2024) |
| Nov 25, 2024 | Apr 10, 2025 | -30.8% | 92 days | 262 days (Apr 28, 2026) |
| Jun 27, 2022 | Sep 30, 2022 | -17.8% | 67 days | 26 days (Nov 7, 2022) |
| Mar 12, 2021 | Apr 7, 2021 | -13.2% | 17 days | 149 days (Nov 5, 2021) |
| Dec 27, 2021 | Mar 1, 2022 | -12.7% | 44 days | 65 days (Jun 2, 2022) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $693.7M
- P/E (TTM)
- 12.3
- EPS, diluted (TTM)
- $5.65
- Revenue (TTM)
- $287.7M
- Dividend yield
- 3.60%
- 52-week range
- $43.64 – $73.37
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $107.8M | $123.7M | $164.0M | $229.8M | $281.0M |
| Gross profit | $96.6M | $108.5M | $100.3M | $115.2M | $187.1M |
| Operating income | $53.5M | $45.4M | $32.5M | $8.5M | $72.2M |
| Net income | $43.5M | $38.1M | $27.4M | $8.5M | $59.2M |
| EPS (diluted) | $6.01 | $5.28 | $3.83 | $0.99 | $5.88 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $74.0M | $71.5M | $68.0M | $71.6M | $71.3M | $70.5M | $71.6M | $74.3M |
| Net income | -$4.3M | $6.1M | $15.0M | $17.0M | $15.2M | $12.0M | $14.7M | $14.8M |
| EPS (diluted) | -$0.43 | $0.61 | $1.49 | $1.68 | $1.51 | $1.19 | $1.47 | $1.48 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $40.8M | $42.4M | $33.3M | $33.9M | $54.3M |
| Capital expenditure | -$4.9M | -$7.8M | -$5.9M | -$2.6M | -$10.9M |
| Free cash flow | $35.9M | $34.5M | $27.3M | $31.3M | $43.3M |
| Dividends paid | -$10.8M | -$11.3M | -$11.7M | -$18.1M | -$24.6M |
| Net share buybacks | -$2.4M | -$1.3M | -$5.9M | $0 | $0 |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $74.9M
- Total assets
- $5.44B
- Total liabilities
- $4.90B
- Total debt
- $239.8M
- Net debt
- $164.9M
- Shareholders’ equity
- $536.2M
As of Jun 30, 2026 (filed Aug 7, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Aug 31, 2026 | $0.63 | Sep 15, 2026 |
| May 29, 2026 | $0.63 | Jun 15, 2026 |
| Feb 27, 2026 | $0.63 | Mar 13, 2026 |
| Nov 28, 2025 | $0.62 | Dec 15, 2025 |
| Aug 29, 2025 | $0.62 | Sep 15, 2025 |
| May 30, 2025 | $0.62 | Jun 13, 2025 |
| Feb 28, 2025 | $0.62 | Mar 14, 2025 |
| Nov 29, 2024 | $0.62 | Dec 13, 2024 |
Short interest
- Shares sold short
- 245,876
- Days to cover
- 4.94
- Change vs previous report
- -3.0%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- May 16, 2003
- 3-for-2