Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
PFIS
BuyPremium GrowerFLAGPeoples Financial Services Corp. · Financial Services · United States · $697M · Avg Vol: $4M/d
Peoples Financial Services has strong momentum at M72 but quality Q55 and value V54 both miss the all-three-above-60 path with no corroborating filing, so stage one fails.
COMPANY DESCRIPTION
Peoples Financial Services Corp. operates as a bank holding company through Peoples Security Bank and Trust Company, offering a full range of commercial and retail banking services. It provides checking and savings accounts, various loan products, and wealth management services to individuals and businesses. The company maintains a strong regional presence, emphasizing community banking and personalized customer relationships within its market areas.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 108.1M | 100.9M | 134.5M | 187.8M | 20.2% | 190.7M | 210.4M | 226.1M | 9.7% |
| EPS | 5.31 | 3.85 | 1.00 | 5.92 | 3.7% | 5.65 | 6.21 | 7.20 | 10.3% |
| Shares | 7.2M | 7.0M | 10.0M | 10.0M | +39.6% | 10.0M | — | — | — |
| Debt | 148.5M | 75.6M | 155.6M | 258.4M | 20.3% | 345.5M | — | — | — |
| Equity | 315.4M | 340.4M | 468.9M | 519.8M | 18.1% | — | — | — | — |
| Op CF | 42.4M | 33.3M | 34.7M | 54.3M | 8.6% | 53.5M | — | — | — |
| Inv CF | -467.8M | -25.8M | 386.3M | -24.4M | — | — | — | — | — |
| Fin CF | 183.4M | 142.0M | -472.6M | 103.3M | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of PFIS are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| PFIS | Peoples Financial Services Corp.(you) | $697M | 77 | Buy |
| TCBX | Third Coast Bancshares, Inc. | $752M | 77 | Buy |
| ACNB | ACNB Corporation | $656M | 76 | Buy |
| WASH | Washington Trust Bancorp, Inc. | $753M | 78 | Buy |
| ORRF | Orrstown Financial Services, Inc. | $825M | 76 | Buy |
| SHBI | Shore Bancshares, Inc. | $772M | 75 | Buy |
| HIFS | Hingham Institution for Savings | $650M | 74 | Buy |
| CBNK | Capital Bancorp, Inc. | $595M | 75 | Buy |
| CIVB | Civista Bancshares, Inc. | $571M | 74 | Buy |
| FISI | Financial Institutions, Inc. | $807M | 81 | Strong Buy |
Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%