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Peoples Financial Services(NASDAQ) PFIS

Market Cap$719.05MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (2013)+224%
5 Year+90%
1 Year+40%
1 Month+1%
Premium Feature
Moneyball Superscore
72/100
$71.83
+1.30%
+0.92Today
Peoples Financial Services last closing stock price
MetricPriceDate
Last closeUSD 71.832026-09-04
Peoples Financial Services stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+4.09%USD 69.012026-08-28
1 month+1.36%USD 70.872026-08-05
3 month+20.56%USD 59.582026-06-05
Year to date+52.06%USD 47.242025-12-31
1 year+40.01%USD 51.302025-09-04
3 year+81.76%USD 39.522023-09-05
5 year+89.91%USD 37.822021-09-03
Since inception+224.03%USD 22.172013-12-04

Peoples Financial Services Financials at a Glance

Market Cap

$719.05MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$287.66M

Net Income (TTM)

$56.77M

EPS (TTM)

$5.64

P/E Ratio

12.72

Dividend

$2.49

Beta (Volatility)

0.74 (Low)

Price

$71.83

Volume

46,732

Open

$70.46

Previous Close

$71.83

Daily Range

$70.46 - $71.98

52-Week Range

$43.64 - $73.37

Estimated Earnings Date

Oct 29, 2026

PFIS News

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Peoples Financial (PFIS) Q2 EPS Up 265%

Motley Fool Markets TeamAug 1, 2025

PFIS: Motley Fool Moneyball Superscore

72

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About Peoples Financial Services

Peoples Financial Services Corp. helps people and businesses manage money. It makes it easy to buy homes and grow companies. The bank also helps people save for retirement.

What's in the Vault?

  • Commercial Lending: Real estate, equipment, and working capital loans for business clients.
  • Consumer Banking: Residential mortgages, personal loans, and credit lines for individual customers.
  • Deposit Accounts: Checking, savings, and money market accounts for daily money management.
  • Wealth Management: Investment oversight and estate planning services for long-term financial goals.

Expanding the Footprint

  • Integrated FNCB through a merger in 2024 to increase the bank's scale and resources.
  • Opened a new corporate headquarters in Scranton to centralize management and operations.
  • Implemented an online platform to allow customers to open bank accounts remotely.
  • Repositioned the investment portfolio in 2025 to capture higher interest rates.

Local Roots Regional Reach

The company operates 28 full-service branches across Pennsylvania, New Jersey, and New York. This network allows it to attract diverse deposits from retail, commercial, and municipal clients.

The Mid-Year Scorecard

  • Total assets reached $5.4 billion at June 30, 2026, rising 6.5% annualized from the end of 2025.
  • Net loans grew to $4.3 billion at June 30, 2026, which was an 11.7% annualized increase.
  • Net income for the three-month period ended June 30, 2026, was $14.8 million.
  • The fully tax-equivalent (FTE) net interest margin—a measure of lending profitability—rose to 3.82% in the second quarter of 2026.
  • Total deposits reached $4.5 billion at June 30, 2026, up from $4.4 billion at year-end 2025.

Bottom Line

Peoples has grown from a local institution into a regional bank with a broader range of financial services. Its expansion through acquisitions and digital updates helps it stay competitive in the shifting banking industry.

AI Generated • Aug 8, 2026

Industry

Banks

Sector

Financials

Employees

547

CEO

Jerry Champi, MBA

Website

www.psbt.com

Headquarters

Moosic, PA 18507, US

PFIS Financials

Key Financial Metrics (TTM)

Gross Margin

66.51%

Operating Margin

24.51%

Net Income Margin

19.74%

Return on Equity

10.86%

Return on Capital

9.28%

Return on Assets

1.04%

Earnings Yield

7.86%

Dividend Yield

3.47%

Payout Ratio

43.72%

Stock Overview

Market Cap

$719.05MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

10.01M

Volume

46.73K

Avg. Volume

65.78K

Financials (TTM)

Gross Profit

$191.33M

Operating Income

$70.50M

EBITDA

$78.30M

Operating Cash Flow

$53.47M

Capital Expenditure

-$8.56M

Free Cash Flow

$44.91M

Cash & ST Invst.

$74.93M

Total Debt

$239.80M

Peoples Financial Services Performance Analysis

Peoples Financial Services annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 123,035,0003.4%
20232023-12-31USD 163,612,00033.0%
20242024-12-31USD 229,586,00040.3%
20252025-12-31USD 280,115,00022.0%
Peoples Financial Services sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-30-0.4%
Q42025-12-31-1.1%
Q12026-03-311.6%
Q22026-06-303.7%
Peoples Financial Services annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 5.28-12.2%
20232023-12-31USD 3.83-27.5%
20242024-12-31USD 0.99-74.1%
20252025-12-31USD 5.88493.6%
Peoples Financial Services sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-30-10.1%
Q42025-12-31-21.2%
Q12026-03-3123.5%
Q22026-06-300.7%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q2 2026YOY CHG

Revenue

$74.29M

+3.8%

Gross Profit

$49.03M

+0.7%

Gross Margin

66.01%

N/A

Market Cap

$719.05MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$1.31M

N/A

Employees

547

N/A

Net Income

$14.81M

-12.7%

EBITDA

$18.42M

-20.3%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

$74.93M

-78.6%

Total Debt

$239.80M

-11.5%

Accounts Receivable

$17.77M

+12.1%

Inventory

$0.00

N/A

Long Term Debt

$154.47M

-20.7%

Short Term Debt

$85.33M

+11.8%

Return on Assets

1.04%

N/A

Return on Invested Capital

1.32%

N/A

Free Cash Flow

$12.16M

+43.0%

Operating Cash Flow

$13.87M

-0.2%

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Questions About PFIS

What is the current price of Peoples Financial Services?

Peoples Financial Services is trading at $71.83 per share.

What is the 52-week range for Peoples Financial Services?

Over the past 52 weeks, Peoples Financial Services has traded between $43.64 and $73.37.

How much debt does Peoples Financial Services have?

As of the most recent reporting period, Peoples Financial Services reported total debt of $331.39M.

How much cash does Peoples Financial Services have on hand?

Peoples Financial Services does not have cash on hand data available.

What is Peoples Financial Services’s dividend yield?

Peoples Financial Services currently has a dividend yield of 3.47%.

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