Price Alert

Peoples Financial Service... (PFIS)

NASDAQ: PFIS · Real-Time Price · USD

50.58

-0.27 (-0.53%)

At close: Sep 24, 2025, 3:59 PM

50.58

0.00%

After-hours: Sep 24, 2025, 04:10 PM EDT

Peoples Financial Services Statistics

Share Statistics

Peoples Financial Services has 9.99M shares outstanding. The number of shares has increased by null% in one year.

Shares Outstanding	9.99M
Shares Change (YoY)	n/a
Shares Change (QoQ)	n/a
Owned by Institutions (%)	31.17%
Shares Floating	n/a
Failed to Deliver (FTD) Shares	17
FTD / Avg. Volume	0.05%

Short Selling Information

The latest short interest is 117.19K, so 1.17% of the outstanding shares have been sold short.

Short Interest	117.19K
Short % of Shares Out	1.17%
Short % of Float	1.27%
Short Ratio (days to cover)	5.33

Valuation Ratios

The PE ratio is 51.38 and the forward PE ratio is 8.02. Peoples Financial Services's PEG ratio is -0.69.

PE Ratio	51.38
Forward PE	8.02
PS Ratio	1.9
Forward PS	2.5
PB Ratio	0.93
P/FCF Ratio	13.93
PEG Ratio	-0.69

Financial Ratio History

Enterprise Valuation

Peoples Financial Services has an Enterprise Value (EV) of 536.58M.

EV / Sales	2.34
EV / EBITDA	34.17
EV / EBIT	15.82
EV / FCF	17.12

Financial Position

The company has a current ratio of 0.08, with a Debt / Equity ratio of 0.33.

Current Ratio	0.08
Quick Ratio	0.08
Debt / Equity	0.33
Debt / EBITDA	9.91
Debt / FCF	4.96
Interest Coverage	0.09

Financial Efficiency

Return on Equity is 1.81% and Return on Invested Capital is 1.25%.

Return on Equity	1.81%
Return on Assets	0.17%
Return on Invested Capital	1.25%
Revenue Per Employee	$449.7K
Profits Per Employee	$16.63K
Employee Count	511
Asset Turnover	0.05
Inventory Turnover	n/a

Taxes

Income Tax	-30K
Effective Tax Rate	-0.35%

Stock Price Statistics

The stock price has increased by 9.72% in the last 52 weeks. The beta is 0.78, so Peoples Financial Services's price volatility has been higher than the market average.

Beta	0.78
52-Week Price Change	9.72%
50-Day Moving Average	51.04
200-Day Moving Average	49.2
Relative Strength Index (RSI)	43.4
Average Volume (20 Days)	36,501

Income Statement

In the last 12 months, Peoples Financial Services had revenue of 229.8M and earned 8.5M in profits. Earnings per share was 1.

Revenue	229.8M
Gross Profit	115.19M
Operating Income	8.47M
Net Income	8.5M
EBITDA	15.7M
EBIT	8.47M
Earnings Per Share (EPS)	1

Full Income Statement

Balance Sheet

The company has 55.62M in cash and 155.58M in debt, giving a net cash position of -99.95M.

Cash & Cash Equivalents	55.62M
Total Debt	155.58M
Net Cash	-99.95M
Retained Earnings	238.96M
Total Assets	5.11B
Working Capital	-313K

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was 33.92M and capital expenditures -2.58M, giving a free cash flow of 31.35M.

Operating Cash Flow	33.92M
Capital Expenditures	-2.58M
Free Cash Flow	31.35M
FCF Per Share	3.67

Full Cash Flow Statement

Margins

Gross margin is 50.13%, with operating and profit margins of 3.69% and 3.7%.

Gross Margin	50.13%
Operating Margin	3.69%
Pretax Margin	3.69%
Profit Margin	3.7%
EBITDA Margin	6.83%
EBIT Margin	3.69%
FCF Margin	13.64%

Dividends & Yields

PFIS pays an annual dividend of $3.09, which amounts to a dividend yield of 4.71%.

Dividend Per Share	$3.09
Dividend Yield	4.71%
Dividend Growth (YoY)	50.61%
Payout Ratio	95.89%
Earnings Yield	1.95%
FCF Yield	7.18%

Dividend Details

Analyst Forecast

Currently there are no analyst rating for PFIS.

Price Target	n/a
Price Target Difference	n/a
Analyst Consensus	n/a
Analyst Count	n/a

Stock Forecasts

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value	$5
Lynch Upside	-90.11%
Graham Number	35.1
Graham Upside	-30.6%

Scores

Altman Z-Score	0.21
Piotroski F-Score	6