Peoples Financial Services Corp. Common Stock (PFIS)

FairStock Score: 70/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I approach a small regional bank differently from most businesses. PFIS is a 547-employee lender in Pennsylvania, New Jersey and New York, and the numbers I have are largely accounting-based. At the close on 2026-10-13, the price was $68.02, giving a $680.9M market cap. FairStock's calculations put it at 12.04 times earnings and 1.27 times book, with a 3.67% dividend yield, an 11.02% return on equity and a low beta of 0.73. That is not a bargain-bin multiple, but it is fair if the bank can earn near its recent profitability. The filed record is mixed. In fiscal FY2023, net income was $27.4M and diluted EPS was $3.83. Fiscal FY2024 fell to $8.5M and $0.99. Fiscal FY2025 recovered to $59.2M and $5.88. More recently, in fiscal Q2 2026, the quarter ended 2026-06-30, net income was $14.8M and diluted EPS was $1.48; that was below fiscal Q2 2025, when net income was $17.0M and EPS was $1.68. FairStock's Lynch category is STALWART, based on 15.1% annual profit growth over five years, but the recent trend and a -1.75% profit growth figure argue for caution. Piotroski 6/9 is decent. As a bank, I cannot judge credit quality from the data provided: CET1, net interest margin, nonperforming assets and charge-offs are not included. Without those, I would treat the 1.27 times book as fair, not generous, and demand consistency before calling it a Buffett-style bargain.

In plain English: Peoples Financial Services is a bank holding company that takes deposits and makes loans in Pennsylvania, New Jersey and New York. The business is profitable, but earnings have been uneven and the latest quarter was weaker than the same quarter a year earlier. At the current price, the shares look reasonably priced rather than clearly cheap or expensive based on its profits and asset value.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer