Financial Institutions vs Peoples Financial Services
FISI and PFIS side by side, both in commercial banks. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How FISI and PFIS compare
Financial Institutions and Peoples Financial Services are about the same size, with market caps of $792M and $728M.
On earnings, Financial Institutions is cheaper: it trades at 10.0× trailing earnings, against 12.0× for Peoples Financial Services.
Financial Institutions keeps more of each dollar of sales as profit, with a net margin of 32.1% compared with 30.1% at Peoples Financial Services.
Both pay dividends: Financial Institutions yields 3.2% and Peoples Financial Services 3.4%.
Financial Institutions scores higher on the StockData Score (16 against 14 for Peoples Financial Services), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | FISI | PFIS |
|---|---|---|
| Size and price | ||
| Market cap | $792M | $728M |
| Share price | $40.18 | $72.69 |
| Change, 1 year | 35.7% | 54.4% |
| Change, 5 years | 25.9% | 46.3% |
| Beta (5Y) | 0.74 | 0.56 |
| Employees | 631 | 547 |
| StockData Score | ||
| Total score | 16 (better) | 14 |
| Valuation score | 3 (better) | 1 |
| Growth score | 0 | 1 (better) |
| Performance score | 5 (better) | 4 |
| Health score | 4 | 4 |
| Dividend score | 4 | 4 |
| Valuation | ||
| P/E | 10.0× (better) | 12.0× |
| P/S | 3.1× (better) | 3.6× |
| P/B | 1.3× (better) | 1.4× |
| P/FCF | 8.3× (better) | 16.0× |
| PEG | 21.40 | 3.29 (better) |
| FCF yield | 12.1% (better) | 6.2% |
| Fair value | $35.49 | $63.52 |
| Margin of safety | −13.2% (better) | −14.4% |
| Growth | ||
| Revenue growth (TTM) | – | 8.9% |
| Revenue growth, 5Y average | 6.1% | 14.2% (better) |
| Net income growth (TTM) | – | 13.8% |
| EPS growth (TTM) | – | 14.4% |
| EPS growth, 5Y average | 9.4% (better) | 8.0% |
| Profitability | ||
| Net margin | 32.1% (better) | 30.1% |
| FCF margin | 37.5% (better) | 22.5% |
| Return on equity | 13.2% (better) | 11.7% |
| Financial health | ||
| Debt / equity | 0.27 | 0.04 (better) |
| Altman Z-score | 0.22 (better) | 0.20 |
| Piotroski F-score | 5 | 5 |
| Dividends and buybacks | ||
| Dividend yield | 3.2% | 3.4% (better) |
| Payout ratio | 30.5% | 41.1% |
| Years of dividend growth | 1 | 9 (better) |
| Dividend growth, 5Y average | 3.6% | 11.4% (better) |
| Buyback yield | 3.1% | – |
| Shareholder yield | 6.3% (better) | 3.4% |
| Ownership | ||
| Held by institutions | 79.8% | 35.6% |
| Held by insiders | 11.9% | 8.3% |
| Insider net buying, 12 months | $108K (better) | −$1.4M |
| Short interest, % of float | – | 3.6% |
Go deeper
- FISI stock overview
- FISI income statement
- FISI valuation and score
- PFIS stock overview
- PFIS income statement
- PFIS valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.