Skip to main content
    P

    Peoples Fin (PFIS)

    Official site

    FINANCIAL SERVICES • BANKS - REGIONAL • NASDAQ

    $68.05
    +0.47 (+0.70%)

    Market Cap: $676.50M

    Last updated: Oct 16, 2026 at 1:55 PM ET

    Earnings

    Performance (10Y)

    Beat Rate
    58%(11/19)
    Avg Surprise
    +2.98%

    Upcoming Estimates

    Period ending Sep 30, 2026
    EPS Consensus$1.71
    Range$1.70 - $1.72
    2 analysts
    EPS RevisionsNo revisions (7d)
    1
    1
    30d
    EPS Estimate DriftChange to current
    90d ago$1.69+1.2%
    60d ago$1.72-0.3%
    30d ago$1.74-1.4%
    7d ago$1.74-1.4%
    Current$1.71
    Revenue Consensus
    $54M
    Range$53M - $55M
    2 analysts
    Period ending Dec 31, 2026
    EPS Consensus$1.43
    Range$1.36 - $1.49
    2 analysts
    Revenue Consensus
    $53M
    Range$51M - $56M
    2 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Dec 26EST
    		-$1.43---
    Sep 26EST
    		-$1.71---
    Jun 26
    Reported Jul 30
    		$1.48$1.64-9.76%Miss-12.4%
    Mar 26
    Reported Apr 30
    		$1.43$1.54-7.14%Miss-5.3%
    Dec 25
    Reported Feb 5
    		$1.36$1.52-10.53%Miss+37.4%
    Sep 25
    Reported Oct 30
    		$1.51$1.54-1.95%Miss-7.9%
    Jun 25
    Reported Jul 31
    		$1.69$1.47+14.97%Beat+186.4%
    Mar 25
    Reported May 1
    		$1.51$1.33+13.53%Beat+174.5%
    Dec 24
    Reported Mar 28
    		$0.99$1.51-34.44%Miss+62.3%
    Sep 24
    Reported Nov 5
    		$1.64$1.08+51.85%Beat+56.2%
    Jun 24
    Reported Jul 25
    		$0.59$0.52+13.46%Beat-55.0%
    Mar 24
    Reported Apr 25
    		$0.55$0.65-15.38%Miss-47.6%
    Dec 23
    Reported Mar 15
    		$0.61$0.89-31.46%Miss-59.1%
    Sep 23
    Reported Oct 30
    		$1.05$0.93+12.90%Beat-23.9%
    Jun 23
    Reported Jul 25
    		$1.31$1.06+23.58%Beat+0.8%
    Mar 23
    Reported Apr 27
    		$1.05$1.02+2.94%Beat-21.1%
    Dec 22
    Reported Mar 15
    		$1.49$1.39+7.19%Beat+73.3%
    Sep 22
    Reported Oct 20
    		$1.38$1.47-6.12%Miss+9.5%
    Jun 22
    Reported Jul 21
    		$1.30$1.30+0.00%Beat+10.2%
    Mar 22
    Reported Apr 26
    		$1.33$1.00+33.00%Beat+1.5%
    Dec 21
    Reported Mar 16
    		$0.86$0.86+0.00%Beat-23.9%
    Sep 21
    Reported Oct 22
    		$1.26N/AN/ABeat+10.5%
    Jun 21
    Reported Jul 21
    		$1.18N/AN/ABeat+14.6%
    Mar 21
    Reported Apr 23
    		$1.31N/AN/ABeat+81.9%
    Dec 20
    Reported Mar 16
    		$1.13N/AN/ABeat+21.5%
    Sep 20
    Reported Nov 3
    		$1.14N/AN/ABeat+17.5%
    Jun 20
    Reported Jul 31
    		$1.03N/AN/ABeat+6.2%
    Mar 20
    Reported Apr 24
    		$0.72N/AN/ABeat-17.2%
    Dec 19
    Reported Mar 16
    		$0.93N/AN/ABeat+6.9%
    Sep 19
    Reported Oct 22
    		$0.97N/AN/ABeat+6.6%
    Jun 19
    Reported Jul 23
    		$0.97N/AN/ABeat+19.8%
    Mar 19
    Reported Apr 23
    		$0.87N/AN/ABeat+10.1%
    Dec 18
    Reported Mar 15
    		$0.87N/AN/ABeat-74.3%
    Sep 18
    Reported Oct 23
    		$0.91N/AN/ABeat+26.4%
    Jun 18
    Reported Jul 24
    		$0.81N/AN/ABeat+5.2%
    Mar 18
    Reported Apr 25
    		$0.79N/AN/ABeat+21.5%
    Dec 17
    Reported Mar 14
    		$3.39N/AN/ABeat+422.2%
    Sep 17
    Reported Oct 24
    		$0.72N/AN/ABeat-
    Jun 17
    Reported Jul 24
    		$0.77N/AN/ABeat-
    Mar 17
    Reported Apr 24
    		$0.65N/AN/ABeat-
    Dec 16
    Reported Mar 16
    		$0.65N/AN/ABeat-

    Dividends

    Dividend Metrics

    Forward Yield3.67%
    Forward Annual Dividend$2.50
    Payout Ratio43.95%
    FrequencyQuarterly
    Pay MonthsMar, Jun, Sep, Dec

    Growth

    3Y CAGR+16.06%
    5Y CAGR+11.40%
    PFIS dividend history and ex-dividend datesRun PFIS in the free DRIP calculator

    Key Metrics

    Valuation
    P/E Ratio11.77EV/EBITDA11.42x
    Price/FCF15.17xFCF Yield6.59%
    Profitability
    Profit Margin29.80%Operating Margin42.10%
    ROE11.00%ROIC6.54%
    Financial Health
    Debt/Equity0.62xInterest Coverage0.77x
    Current RatioN/AQuick RatioN/A
    Trading Statistics
    Beta0.73Avg Volume59.15K
    52-Week High$73.3452-Week Low$41.79

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$68.42
    SMA 20$68.78
    SMA 50$69.70
    SMA 200$60.32
    EMA 10$68.28
    EMA 20$68.75
    EMA 50$68.77
    EMA 200$61.78

    MACD

    Line: -0.54Signal: -0.43Hist: -0.11

    ADX

    ADX: 24.3+DI: 15.7-DI: 26.6

    Aroon & PSAR

    Aroon Up4.0
    Aroon Down60.0
    PSAR$65.89

    Bollinger Bands

    Upper Band$70.59
    Lower Band$66.97
    %B Position526%(Upper)
    Band Width0.30

    RSI (14-Day)

    Neutral
    44.8

    Momentum Oscillators

    Stoch %K47.3
    Stoch %D47.2
    Williams %R-49.4
    ROC (10d)-0.2%
    Momentum-0.12
    CCI (20d)-66.4
    MFI (14d)53.3

    Volatility Measures

    ATR (14d)$1.62(2.4%)
    StdDev (20d)0.90
    Hist Vol19.1%(Low)

    Volume Flow

    VWAP$68.05
    OBV1.1M
    AD Line-23.9M
    CMF (20d)-0.117

    Volume Metrics

    Avg Vol (20d)59.1K
    Vol Ratio0.6x
    VWMA (20d)$68.89

    Pivot Points

    R3$69.55
    R2$68.77
    R1$68.18
    Pivot Point$67.40
    S1$66.81
    S2$66.03
    S3$65.44

    Advanced Oscillators

    TSI-11.86
    Ultimate Osc47.2
    KST-26.43

    Financial Data

    QuarterJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023Sep 2023
    Total Revenue$52.14M$49.77M$46.76M$46.68M$48.44M$45.80M$44.18M$44.96M$22.47M$22.71M$23.55M$24.97M
    Cost of RevenueN/A$23.22M$24.71M$23.14M$22.90M$23.08M$30.66M$43.50M$20.06M$20.39M$21.47M$17.32M
    Gross ProfitN/A$48.38M$45.78M$48.14M$48.68M$44.92M$40.81M$30.51M$21.86M$22.01M$21.82M$25.15M
    Operating Expenses$30.61M$29.86M$31.06M$28.68M$28.26M$27.35M$35.00M$35.50M$18.17M$18.06M$17.67M$17.05M
    R&D$0$0$0$0$0$0$0$0$0$0$0$0
    SG&A$0$0$0$0$0$0$0$0$0$0$0$0
    Operating IncomeN/A$18.52M$14.72M$18.84M$20.49M$18.25M$5.82M$-4,994,000$3.70M$3.94M$4.22M$8.08M
    Interest Income$67.75M$64.70M$66.77M$65.16M$65.33M$62.43M$65.80M$68.28M$38.38M$39.00M$40.07M$38.77M
    Interest Expense$22.15M$21.84M$23.74M$23.98M$23.14M$22.88M$27.29M$29.04M$19.46M$19.68M$19.73M$17.49M
    Income Before Tax$18.42M$18.52M$14.72M$18.84M$20.42M$18.25M$5.82M$-4,994,000$3.70M$3.94M$4.22M$8.08M
    Income Tax Expense$3.62M$3.77M$2.74M$3.60M$3.46M$3.24M$-272,000$-657,000$421,000$478,000$587,000$1.33M
    Net Income$14.80M$14.75M$11.98M$15.25M$16.96M$15.01M$6.09M$-4,337,000$3.28M$3.47M$3.63M$6.75M
    EBITDA$21.01M$21.21M$19.53M$20.34M$22.94M$20.61M$6.68M$-789,000$4.85M$5.08M$5.68M$9.88M
    EBIT$18.42M$18.52M$14.72M$18.84M$20.42M$18.25M$5.82M$-4,994,000$3.70M$3.94M$4.22M$8.08M
    * Some calculated fields are derived from available data when not provided by source

    Related GNG Research

    No research available

    Be the first to write about PFIS

    News

    Zacks rates Peoples Financial Services stock Hold with USD 6.37 EPS forecast

    Zacks has maintained a Hold rating for Peoples Financial Services (PFIS) stock, with an EPS forecast of USD 6.37 for 2026. This rating follows the company's second-quarter diluted earnings per share of USD 1.48...

    ad-hoc-news.de•10/15/26•Neutral

    Zacks rates Peoples Financial Services stock Hold with USD 6.37 EPS forecast

    Zacks has rated Peoples Financial Services (PFIS) stock a "Hold" with a 2026 EPS forecast of USD 6.37. This rating followed the company's Q2 diluted earnings per share of USD 1.48...

    ad-hoc-news.de•10/15/26•Neutral

    PFIS Q3'26 Earnings: EPS estimate is 1.71 USD

    Peoples Financial Services Corp. (PFIS) is scheduled to release its Q3'26 earnings on October 16, with an estimated EPS of 1.71 USD and revenue of 53.80 million USD. The article provides a detailed table comparing...

    TradingView•10/15/26•Neutral

    Zacks upgrades Peoples Financial Services stock to Hold

    Zacks has upgraded Peoples Financial Services (PFIS) stock to a Hold rating following its Q2 2026 earnings report, where EPS of USD 1.48 fell below the USD 1.64 consensus. Despite the earnings miss...

    ad-hoc-news.de•10/13/26•Neutral

    Understanding the Setup: (PFIS) and Scalable Risk

    This article analyzes Peoples Financial Services Corp. (NASDAQ: PFIS), highlighting weak near-term sentiment but strong long-term potential. It identifies an exceptional 22.2:1 risk-reward setup targeting a 6.3% gain...

    Stock Traders Daily•10/13/26•Somewhat-Bullish

    PFIS Valuation and Fair Value

    P/E
    11.8x
    Forward P/E
    15.1x
    EV/EBITDA
    11.4x
    P/FCF
    15.2x
    PEG
    1.3x
    P/B
    1.3x
    See GNG's fair value

    PFIS Profitability: Margins, ROIC and FCF

    Operating margin
    42.1%
    Net margin
    29.8%
    ROIC
    6.5%
    ROE
    11.0%
    FCF margin
    23.0%
    FCF yield
    6.6%

    PFIS Competitors

    CompanyTicker
    Grupo Supervielle SASUPV
    Arrow Financial CorporationAROW
    Bain Capital Specialty Finance IncBCSF
    Midland States Bancorp, Inc.MSBI
    Southern California BancorpBCAL
    Red River Bancshares IncRRBI
    MidCap Financial Investment CorporationMFIC
    PennantPark Floating Rate Capital LtdPFLT

    Sector: Financial Services

    PFIS Bull Case vs Bear Case

    Bull case

    • PFIS converts 23.0% of revenue into free cash flow.
    • PFIS has a 29.8% net profit margin.

    Bear case

    • PFIS beat EPS estimates in 37.5% of its last 8 reported quarters.

    PFIS Earnings: Beat Rate and Next Report

    Beat rate
    3 of 8 quarters (37.5%)
    Average surprise
    2.1%
    EPS estimate (fiscal period ending Sep 30, 2026)
    $1.71
    Estimate revisions (30 days, fiscal period ending Sep 30, 2026)
    1 up, 1 down

    PFIS Dividend

    Forward yield
    3.7%
    Payout ratio
    43.9%
    3Y DPS growth
    16.1%
    5Y DPS growth
    11.4%
    Pay months
    Mar, Jun, Sep, Dec
    PFIS dividend history

    Frequently Asked Questions About PFIS

    What is PFIS's current dividend yield?

    Peoples Fin (PFIS) has a forward dividend yield of 3.67%.

    Does PFIS pay dividends?

    Yes, Peoples Fin pays dividends with a forward dividend yield of 3.67%.

    What is PFIS's P/E ratio?

    Peoples Fin has a price-to-earnings (P/E) ratio of 11.77.

    What is PFIS's market cap?

    Peoples Fin (PFIS) has a market capitalization of $676.50M with a current stock price of $68.05.

    Related stocks

    Sector: Financial Services

    All stocks starting with P

    Get full access to GNG Research

    Create a free account to access portfolio tracking, advanced tools, and more.

    Create Free AccountLog In