Peoples Financial Services Corp. (PFIS) stock
PFISNasdaqNational Commercial BanksFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 6, 2026Score 14/3014% above fair value
$72.69−0.16 (-0.22%)
Close on Nov 13, 2026Market cap $727.65MP/E 12.0Yield 3.40%
Peoples Financial Services statistics
95 measures from SEC filings and the closing price. Hover a name for the formula; the last column is the median of companies in the same industry group.
Important dates
- Next earnings
- Jan 29, 2027 (estimated, during market hours)
- Last ex-dividend date
- Nov 30, 2026
- Fundamentals through
- Sep 30, 2026
- Share price as of
- Nov 13, 2026
Valuation ratiosIndustry
- P/TBV Ratio
- 1.69
- 1.52
- P/OCF Ratio
- 13.71
- 9.82
Enterprise valuationIndustry
- EV / Sales
- 2.19
- 2.95
- EV / FCF
- 9.74
- 8.49
Share statisticsIndustry
- Shares Change (YoY)
- -0.19%
- 0.33%
- Shares Change (QoQ)
- 0.02%
- 0.00%
- Float
- 9M
- 17M
- Shares Held by Insiders
- 8.26%
- 6.05%
- Shares Held by Institutions
- 35.6%
- 61.3%
Short sellingIndustry
- Short Interest
- 330,167
- –
- Short Interest Change
- -11.0%
- -4.13%
- Short % of Float
- 3.60%
- 3.58%
- Short % of Shares Outstanding
- 3.30%
- 3.18%
- Days to Cover
- 5.90
- 4.85
Stock price statisticsIndustry
- 52-Week High
- $76.49
- –
- 52-Week Low
- $46.07
- –
- 20-Day Moving Average
- $71.70
- –
- 50-Day Moving Average
- $70.42
- –
- 200-Day Moving Average
- $63.30
- –
- Average True Range (14)
- $1.86
- –
- Price Change (1 Week)
- 0.62%
- 0.69%
- Price Change (1 Month)
- 6.82%
- 3.79%
- Price Change (3 Months)
- 1.79%
- -2.72%
- Price Change (6 Months)
- 29.0%
- 12.2%
- Price Change (YTD)
- 49.2%
- 19.9%
- Price Change (1 Year)
- 54.4%
- 25.7%
- Price Change (3 Years)
- 63.4%
- 65.1%
- Price Change (5 Years)
- 48.4%
- 26.9%
- Price Change (10 Years)
- 81.7%
- 66.8%
- Average Volume (10 Days)
- 71,432
- –
- Average Volume (20 Days)
- 63,046
- –
- Average Volume (90 Days)
- 58,108
- –
- Relative Volume
- 0.57
- 0.68
- Relative Strength Index (14)
- 55.3
- 53.1
- Volatility (1 Year)
- 24.9%
- 24.4%
- Beta (5 Years)
- 0.56
- 0.63
MarginsIndustry
- Pretax Margin
- 36.7%
- 37.0%
- FCF Margin
- 22.5%
- 33.9%
Returns on capitalIndustry
- Return on Equity (ROE)
- 11.7%
- 10.7%
- Return on Assets (ROA)
- 1.13%
- 1.16%
Financial positionIndustry
- Debt / Equity
- 0.04
- 0.21
- Debt / FCF
- 0.43
- 1.48
GrowthIndustry
- Revenue Growth (YoY)
- 8.92%
- 11.7%
- Net Income Growth (YoY)
- 13.8%
- 22.6%
- EPS Growth (YoY)
- 14.4%
- 21.6%
- FCF Growth (YoY)
- 12.7%
- 27.2%
- Revenue Growth (3Y CAGR)
- 20.4%
- 5.82%
- Revenue Growth (5Y CAGR)
- 14.2%
- 6.17%
- EPS Growth (3Y CAGR)
- 3.65%
- 1.31%
- EPS Growth (5Y CAGR)
- 8.01%
- 8.24%
EfficiencyIndustry
- Asset Turnover
- 0.04
- 0.04
- Revenue Per Employee
- $368.60K
- $358.92K
- Profits Per Employee
- $110.89K
- $110.51K
- Employee Count
- 547
- 492
- WACC
- 7.83%
- 8.13%
Income statement (TTM)Industry
- Pretax Income
- $74.07M
- $74.07M
Balance sheetIndustry
- Net Cash (Debt)
- $285.24M
- $165.09M
- Net Cash Per Share
- $28.49
- $8.07
- Equity (Book Value)
- $529.30M
- $570.13M
- Book Value Per Share
- $52.88
- $28.12
- Tangible Book Value
- $430.06M
- $478.27M
Cash flow (TTM)Industry
- Capital Expenditures
- -$7.66M
- -$4.24M
- FCF Per Share
- $4.54
- $3.37
Dividends and yieldsIndustry
- Earnings Yield
- 8.34%
- 8.29%
- FCF Yield
- 6.24%
- 9.18%
- Dividend Yield
- 3.40%
- 2.44%
- Shareholder Yield
- 3.40%
- 3.26%
- Dividend Per Share
- $2.47
- $0.92
- Dividend Growth (YoY)
- 19.9%
- 4.26%
- Years of Dividend Growth
- 9
- 2
- Payout Ratio
- 41.1%
- 28.5%
- FCF Payout Ratio
- 54.8%
- 24.8%
Taxes and interestIndustry
- Income Tax
- $13.41M
- $16.14M
- Effective Tax Rate
- 18.1%
- 21.1%
Scores and fair valueIndustry
- Graham Number
- $84.77
- $45.07
- Graham Upside
- 16.6%
- 18.8%
- Altman Z-Score
- 0.20
- 0.22
- Piotroski F-Score
- 5
- 6
- Lynch Fair Value
- $48.38
- –
- Lynch Upside
- -33.4%
- -0.43%
Total return vs. the S&P 500
Price change plus reinvested dividends, to the close on Nov 13, 2026. The S&P 500 is measured by the SPY fund.
| Period | PFIS | S&P 500 | Difference | PFIS per year | S&P 500 per year |
|---|---|---|---|---|---|
| 1 month | +6.9% | -3.0% | +9.9 pts | ||
| 3 months | +2.4% | -2.8% | +5.2 pts | ||
| Year to date | +53.9% | +11.5% | +42.4 pts | ||
| 1 year | +61.3% | +13.5% | +47.8 pts | ||
| 3 years | +98.6% | +77.7% | +20.9 pts | +25.7% | +21.1% |
| 5 years | +81.3% | +72.6% | +8.7 pts | +12.6% | +11.5% |
| 10 years | +156.8% | +308.2% | −151.4 pts | +9.9% | +15.1% |
Short interest
Shares sold short and not yet covered, reported by brokers to FINRA twice a month. Latest settlement date Oct 30, 2026.
0M PFIS shares were sold short on Oct 30, 2026, down 11.0% from the previous report, or 3.60% of the shares available to trade. At recent volumes it would take 5.9 days to buy them back. Over the last 20 sessions, 61.3% of the volume reported to FINRA was short selling.
| Settlement date | Shares short | Change | Avg. daily volume | Days to cover |
|---|---|---|---|---|
| Oct 30, 2026 | 330,167 | -11.0% | 55,965 | 5.9 |
| Oct 15, 2026 | 370,875 | -2.3% | 50,682 | 7.3 |
| Sep 30, 2026 | 379,590 | +54.4% | 64,839 | 5.8 |
| Sep 15, 2026 | 245,876 | -3.0% | 49,725 | 4.9 |
| Aug 31, 2026 | 253,400 | +14.4% | 51,215 | 5.0 |
| Aug 14, 2026 | 221,448 | -3.5% | 54,756 | 4.0 |
| Jul 31, 2026 | 229,542 | +10.0% | 60,790 | 3.8 |
| Jul 15, 2026 | 208,639 | -1.9% | 79,369 | 2.6 |
| Jun 30, 2026 | 212,676 | +37.7% | 81,839 | 2.6 |
| Jun 15, 2026 | 154,436 | +9.1% | 61,045 | 2.5 |
| May 29, 2026 | 141,562 | +12.5% | 53,203 | 2.7 |
| May 15, 2026 | 125,834 | +2.5% | 71,140 | 1.8 |
Ratios use trailing-twelve-month results and the latest balance sheet. How we calculate.
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