Peoples Financial Services Corp. (PFIS) — RQD Stock Rating Cockpit

$70.32 -1.59% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $69.99

Peoples Financial Services Corp. (PFIS) carries a Roarable Rating of C (Hold) with 63/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C • HOLD / WATCH Cap $703.9M
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
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🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is PFIS stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, Peoples Financial Services Corp. (NASDAQ: PFIS) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 63/100 at a spot price of $70.32 (-1.59% 1D, market cap $703.9M). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 12/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 12/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, PFIS ranks #312 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does PFIS compare to CWBC and AROW in the Financials sector?
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Within the Financials sector (Major Banks), PFIS carries a Roarable C (63/100 RQD), trailing P/E of 12.1x, gross margin of —, and ROIC of 11.4%. By comparison, CWBC (Community West Bancshares) holds a C- grade (60/100 RQD, P/E 18.6x, ROIC 9.3%, cap $699.7M) and AROW (Arrow Financial Corporation) posts a C grade (64/100 RQD, P/E 16.3x, ROIC 10.2%, cap $710.6M). Among the 5-stock peer group, BCAL leads on earnings multiple (10.9x) while PFIS leads on capital efficiency (11.4% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for PFIS?
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Per PFIS's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001056943), Peoples Financial Services Corp. generated $0 in revenue, $59.2M in net income, and $43.3M in free cash flow against $5.27B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $69.98 (-0.48%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 10/20 (D) • 1.1% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 63/100 (C) historically posted market-perform odds over rolling 90-day windows (+0.9% avg 90D alpha vs SPY • 54.8% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERHOLD / WATCH • C
025507510063
JEV AI Jury Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C · Rk C
Cash (10)Whales (12)SEC (13)Macro (12)CEO (16)
Each axis scored 0–20
12M PRICE TARGET CONE+2.2% Base Target
$85 Bull$72 Base$56 Bear
📬 FREE PFIS RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for PFIS)Realized 20D OHLCV Swing Band: ±4.9%
Deterministic 5-Pillar Attribution (63/100 Composite)
🔍 WHY PFIS SCORES 63/100 (C) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (25% of score)

SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (21% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 4/9

▼ #1 Drag / Risk Factor: Cash Engine Quality10/20 pts (-10 pt drag)

Capital intensity & 0% operating margin leave 10 pts on the table

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
55
Grade C$68.02+1.7% Next Q
Q2 (-2Q)
58
Grade C$69.16+2.6% Next Q
Q3 (-1Q)
60
Grade C$70.97-0.9% Next Q
Current
63
Grade C$70.32+0.9% Hist 90D α
Trajectory: C (55) → C (63)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the PFIS Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 63/100 (C) score, PFIS faces multiple-compression risk if 12.1x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($69.78) or 200D SMA ($62.39) invalidates the momentum regime and cuts Target Base ($71.90) toward Bear Floor ($56.08).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $PFIS• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “PFIS Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
RSI-14 MOMENTUMNEUTRAL RANGE
52.230 Oversold · 70 Hot
ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)
3.80>3.0 Fortress Safe
PIOTROSKI F-SCOREWEAK QUALITY (1–4)
4 / 99-Pt Accounting
52-WEEK LASER RANGE90% OF RANGE
L: $44$70.32H: $73
1. Money & Cash Health● WEAK
Are profits real cash in the bank?

Weak cash conversion or heavy valuation strain compared to actual cash earned.

Factor Grade: DRQD 10 / 20
2. Big Money & Insiders● BUYING
Are whales & executives buying or selling?

Hedge funds and options traders are leaning bullish, showing strong institutional appetite.

Factor Grade: B-RQD 28 / 40
3. Hidden Risks & Market Weather● WATCH
SEC fine-print scan & interest-rate fit

No major SEC filing blowups, though current interest rates and Fed liquidity call for normal position sizing.

Factor Grade: CRQD 25 / 40
MULTI-MODEL JEV QUANT JURY DELIBERATION

JEV AI Jury Split (Battleground) on PFIS

Cash & Moat Bull AI
ROIC & Free Cash Flow Model
BEARISH (50)

11.4% ROIC with 42.0% gross margin and 6.06% FCF yield.

SEC Forensic Auditor AI
10-K Accruals & Altman-Z Guard
NEUTRAL (65)

Altman-Z 4.20 and Piotroski 4/9 pass balance-sheet audit.

Whale & Macro Hawk AI
Options Skew, 13F & Fed NetLiq
BULLISH (67)

28/40 institutional & smart-money positioning score with 12/20 macro alignment.

Bull Case: Why Buyers Like PFIS
  • ✓Company leadership has skin in the game with net positive insider conviction.
Bear Case: What Could Go Wrong
  • !Broader market pullbacks can still drag down strong stocks in the short run.
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (PFIS Tape Review)

  • ✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
  • ✓Forensic Red-Light accounting & dilution traps to review on your watchlist
  • ✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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PFIS // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +25.48%📐 HORIZONTAL RANGE
2026-11-03O $71.46H $71.46L $70.32C $70.32VOL 53.8K
RES: $73.30SUP: $65.04SMA50: $69.78SMA200: $62.39
$74.91$68.52$62.12$55.73$49.34RES $73.30SUP $65.04$70.322026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

PFIS Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)
2.7%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on PFIS today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for PFIS. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for PFIS today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (PFIS)

Financials Rank #312 of 1096 ⚔️ CWBC vs PFIS Full Matrix →

1. Head-to-Head Financials Peer Comparison (PFIS vs. CWBC, AROW, BCAL, MSBI)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Peoples Financial Services Corp. (PFIS) ranks #312 by composite RQD confidence (63/100, grade C) and #619 by equity capitalization ($703.9M). Within this direct 5-issuer industry benchmark cohort, BCAL leads on earnings valuation at 10.9x trailing P/E, while PFIS leads on capital efficiency and profitability with 11.4% ROIC and — gross margin. AROW currently holds the highest overall quantitative score in the immediate peer group at 64/100 (C) compared with PFIS at 63/100 (C).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
PFIS ACTIVE
Peoples Financial Services Corp.
C 63/100 12.1x — 11.4% -1.59% $703.9M Benchmark Subject
CWBC
Community West Bancshares
C- 60/100 18.6x — 9.3% -1.19% $699.7M /cwbc-vs-pfis →
AROW
Arrow Financial Corporation
C 64/100 16.3x — 10.2% -0.79% $710.6M /arow-vs-pfis →
BCAL
California BanCorp
C 62/100 10.9x — 10.9% +0.19% $690.6M /bcal-vs-pfis →
MSBI
Midland States Bancorp Inc.
D+ 54/100 — — -22.0% -3.01% $682.5M /msbi-vs-pfis →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001056943

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Peoples Financial Services Corp. (PFIS) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $59.2M, operating cash flow of $54.3M, and free cash flow of $43.3M (+34.8% YoY). On the balance sheet, PFIS closed FY2025 with $5.27B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 4/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $0 $59.2M $54.3M $43.3M $5.27B —
FY2024 (FY) 2024-12-31 $0 $8.5M $34.7M $32.1M $5.09B —
FY2023 (FY) 2023-12-31 $0 $27.4M $33.3M $33.3M — —

3. PFIS Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is PFIS stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Peoples Financial Services Corp. (NASDAQ: PFIS) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 63/100 at a spot price of $70.32 (-1.59% 1D, market cap $703.9M). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 12/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 12/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, PFIS ranks #312 in composite RQD confidence.

How does PFIS compare to CWBC and AROW in the Financials sector?

Within the Financials sector (Major Banks), PFIS carries a Roarable C (63/100 RQD), trailing P/E of 12.1x, gross margin of —, and ROIC of 11.4%. By comparison, CWBC (Community West Bancshares) holds a C- grade (60/100 RQD, P/E 18.6x, ROIC 9.3%, cap $699.7M) and AROW (Arrow Financial Corporation) posts a C grade (64/100 RQD, P/E 16.3x, ROIC 10.2%, cap $710.6M). Among the 5-stock peer group, BCAL leads on earnings multiple (10.9x) while PFIS leads on capital efficiency (11.4% ROIC).

What are the biggest fundamental strengths and SEC risk factors for PFIS?

Per PFIS's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001056943), Peoples Financial Services Corp. generated $0 in revenue, $59.2M in net income, and $43.3M in free cash flow against $5.27B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is PFIS trading relative to its 50-day, 200-day, and 52-week technical levels?

PFIS last traded at $70.32 (-1.59% on volume of 53,809 shares), positioning the stock +0.77% above its 50-day simple moving average ($69.78) and +12.71% above its 200-day simple moving average ($62.39). Across its 52-week range of $44.26 to $73.37, PFIS sits at the 89.5% percentile with a 14-day RSI of 52.2 (NEUTRAL RANGE) and an implied next-earnings move of ±4.9% ($66.87 to $73.77).

PFIS Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell PFIS stock right now?

Peoples Financial Services Corp. (PFIS) currently earns a Roarable Rating of C (Hold — HOLD) with 63/100 RQD Confidence. Solid steady margins (11% return on capital), mixed timing at 12x P/E—hold if owned, no rush to chase.

What is PFIS's 12-month price target and RQD AI Jury consensus?

PFIS's 12-month base price target is $71.9 (range $56.08 to $84.84), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

ROARABLE RATING BRIEF • RQD 63/100 (C) ✓ STAGE-C NUMBER FIREWALL VERIFIED

PFIS — Peoples Financial Services Corp.: What the Facts Mean to a Prospective Investor

Engine: anthropic/claude-haiku-5.5
As of: 2026-11-02T15:33:34Z

Roarable Rating Brief: What This Means to a Prospective Investor

Per the Roarable RQD rating, PFIS carries an RQD Score of 66, a letter grade of C+, and the verdict "Roarable Hold — Upper Neutral / Watch for Breakout."

  • Fundamental Cash Engine (10 / 20): Per the Roarable RQD rating, ROIC is 11.4% and FCF yield is 6.06%. This pillar is the weakest contributor relative to its maximum, indicating the cash-generation case is supportive but not dominant.
  • Whale 13F Flow (14 / 20): Per the Roarable RQD rating, this pillar reflects institutional accumulation and options positioning. The score is moderately favorable; the underlying 13F holder detail is not available in source data.
  • Insider Conviction (16 / 20): Per the Roarable RQD rating, this is the highest-scoring pillar, reflecting SEC Form 4 and Congressional PTR cluster flow. Specific transaction detail is not available in source data.
  • Macro Regime Fit (13 / 20): Per the Roarable RQD rating, beta is 1.0 and the score reflects sector sensitivity.
  • Forensic Balance Sheet (13 / 20): Per the Roarable RQD rating, Altman Z is 2.5, Piotroski F is 4/9, and Debt/Equity is 0.5.

Investor implications: the upside drivers in the rating are insider conviction and institutional flow, while the valuation tradeoff is that the stock trades near the top of its 52-week range. Per the market data, the price of 71.46 sits against a 52-week range of $43.64 - $73.37. The 2nd-order caution is that a 4/9 Piotroski score signals weaker fundamental momentum than the headline cash metrics suggest. The rating's own verdict frames this as a hold with breakout watch, not a conviction signal in either direction. This is analytical context, not personalized advice.

Business

Peoples Financial Services Corp. (PFIS) is a NASDAQ-listed issuer classified in the Financials sector and the Major Banks industry, per the profile. Per the profile, its market capitalization is $0.7B. The source data does not describe its specific products, customer base, or revenue-generation model beyond the sector and industry classification.

Financial Trend

PeriodRevenueOperating IncomeNet IncomeEPSFCFCashDebt
FY 2025$0.0M$0.0M$59.2MN/A$43.3MN/AN/A
FY 2024$0.0M$0.0M$8.5MN/A$32.1MN/AN/A
FY 2023$0.0M$0.0M$27.4MN/A$33.3MN/AN/A

Per the market data, gross, operating, and net margins are each reported as 0%, and these figures are not meaningful for a bank-classified issuer in this dataset, so no margin conclusions are drawn. Per the market data, ROIC is 11.4%. Per the Roarable RQD rating, Altman Z is 2.5, Piotroski F is 4/9, and Debt/Equity is 0.5. Net income moved from $8.5M in FY 2024 to $59.2M in FY 2025 per the SEC financials, but the balance sheet line items (cash, debt) are not available in source data.

Butterfly Effect: 2nd-Order Supply-Chain & Sector Ripples

Per the Butterfly Supply-Chain Graph, the supply chain is NONE, with no butterfly links and no proprietary signals. Upstream and downstream dependencies, sector correlations, and 2nd-order bottlenecks are not available in source data. The only sector context provided is the Financials / Major Banks classification and the beta of 1.0 per the market data.

Open Questions

  • What are the actual Q3 earnings figures, and which framing of the market reaction (beat failing to ignite vs. slip after strength) is accurate?
  • What are PFIS's cash, debt, revenue, and operating income figures, since these are listed as N/A or $0.0M in the SEC financials?
  • What is the composition of institutional 13F holders and recent Form 4 / Congressional transactions behind the whale and insider pillar scores?
  • What are the analyst consensus rating and price targets, which are absent from the source data?
  • What is the company's specific business mix and revenue model beyond its sector classification?

PFIS Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Peoples Financial Services Corp. (PFIS) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to PFIS Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

PFIS Bull vs. Bear Conversation Board — What's Your Call at $70.32?

🐂 50% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON PFIS 🐻 50% BEARISH CONVICTION
1. Pick Your Side on PFIS:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
RO RoarDesk_Moderator Roarable Research Desk ⚖️ DEBATE HOST 🎯 Target: $77.18 (+8.0%)
📌 Pinned Debate

🔥 Official Bull vs. Bear Debate: Is PFIS (C+ • RQD 66/100) a Buy at $71.46?

Welcome to the PFIS (Peoples Financial Services Corp.) Roar Pit. Current RQD Composite is 66/100 (Roarable Hold — Upper Neutral / Watch for Breakout) in Major Banks. Bulls point to operating leverage and sector positioning, while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.

RE RedlineAuditor Forensic Accounting Watch 🐻 BEARISH 🎯 Target: $53.60 (-25.0%)
Spot @ $71.46

Pump the brakes on PFIS — check the valuation vs. margin headwinds

Everyone in here is repeating the bull case on PFIS, but look at what you are paying: 12.1x trailing P/E with tightening sector spreads. Unless Peoples Financial Services Corp. expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.

SI SiliconVal_Bull Verified K Arena Trader 🐂 BULLISH 🎯 Target: $84.32 (+18.0%)
Spot @ $71.46

PFIS cash flow & RQD setup is being underpriced by the Street here

Looking at the 5-pillar RQD breakdown on PFIS, the market is fixating on short-term headline noise in Major Banks and ignoring the balance sheet and cash flow trajectory. At $71.46 (52-wk range $43.64 - $73.37), any beat on forward guidance forces shorts and underweight funds to chase.

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