PFIS
PEOPLES FINANCIAL SERVICES CORP.
Next earnings Jul 16, 2026 · consensus $1.65 EPS, $53.2M rev
Last earnings +0.7% on 2026-04-30
$67.03
▲ +2.90%$67.03▲ +44.33%
over 1Y
L $43.04EODHDH $67.03
Earnings Dividend Split Congress buy Congress sellGrouped by date · hover a pin to expand
Today+2.9%
1W+6.9%
1M+13.0%
3M+28.0%
YTD+42.1%
1Y+44.3%
Sell
Conviction
Horizon
Medium (3–12mo)
Street · 7 analysts
Sell
Mixed signals in the latest filings.
Return on equity 11.4% · latest
The read
It screens cheap (~233% below fair value), but the weak fundamentals are why — more potential value trap than bargain.
PEOPLES FINANCIAL SERVICES CORP. shows limited reported revenue, and 11.4% ROE.
Financials · annual, by fiscal year
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | — | — | — | — | — |
| Gross profit | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Net income | $43.5M | $38.1M | $27.4M | $8.50M | $59.2M |
| Diluted EPS | $6.02 | $5.28 | $3.83 | $0.99 | $5.88 |
| Net margin | — | — | — | — | — |
Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.
Key statistics
Valuation
Enterprise value—
EV / EBITDA—
EV / Sales—
EV / FCF—
P / FCF15.5
PEG (trailing)0.02
Earnings yield8.8%
FCF yield6.5%
Quality & risk
ROIC (est.)—
Free cash flow$43.3M
Total debt$65.5M
Net cash$204M
Piotroski F-Score4/6
Capital returns
Buyback yield0.0%
Dividend yield (est.)3.7%
Shareholder yield3.7%
Shares Δ YoY+0.1%
Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.
Disclosure timeline
SEC · 8-Ks + reportsSome governance/structural items recently, but no outright red flags.
- 8-K Officer / director change2026-05-27
- 8-K Reg FD disclosure2026-05-15
- 10-Q Quarterly report2026-05-08
- 8-K Earnings results2026-04-30
- DEF 14A Proxy statement2026-04-10
- 8-K Officer / director change2026-04-02
- 8-K Reg FD disclosure2026-03-16
- 10-K Annual report2026-03-16
- 8-K Officer / director change2026-01-30
Recent filings
all on EDGAR ↗S-8Filing2026-06-11open ↗8-KPeriod ending 2026-05-222026-05-27open ↗4Period ending 2026-05-152026-05-19open ↗4Period ending 2026-05-152026-05-19open ↗8-KPeriod ending 2026-05-152026-05-15open ↗10-QPeriod ending 2026-03-312026-05-08open ↗8-KPeriod ending 2026-04-302026-04-30open ↗13F-HRPeriod ending 2026-03-312026-04-20open ↗4/APeriod ending 2026-02-272026-04-10open ↗4/APeriod ending 2026-02-272026-04-10open ↗4/APeriod ending 2026-02-272026-04-10open ↗4/APeriod ending 2026-02-272026-04-10open ↗
Frequently asked
- Is PEOPLES FINANCIAL SERVICES CORP. (PFIS) a buy?
- PFIS currently carries a Sell rating with 2/5 conviction, derived from its latest SEC filings. Mixed signals in the latest filings.
- What is PFIS's fair value?
- A Modified-Graham model based on PFIS's SEC fundamentals estimates a fair value of about $223.44. It is an estimate from reported earnings, not a price target.
- Is PFIS overvalued or undervalued?
- Against a Modified-Graham fair-value estimate, PFIS currently appears undervalued relative to its SEC-grounded earnings power.
- What is PEOPLES FINANCIAL SERVICES CORP.'s quality score?
- PFIS scores 80.76470588235294/100 (grade A-) on a SEC-grounded quality model spanning value, growth, profitability, financial health and momentum.
Sources: SEC EDGAR (CIK 0001056943, latest 10-Q filed 2026-05-08) · EODHD · as of 6/26/2026, 4:09:53 PM.
Research and education only — not financial advice. EDGAR is not a registered investment adviser or broker-dealer and gives no personalized advice. Every call is impersonal — identical for all users, generated on a schedule from SEC filings plus a delayed/third-party price feed — may be wrong or out of date, and is not a recommendation to buy or sell any security. The operator and an affiliated trading operation may hold or trade the securities EDGAR rates; see Disclosures. Past performance does not guarantee future results. Do your own research.