Stock Ratings / Financials / PFIS / dividends

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Peoples Financial Services Corp. (PFIS) Dividend Safety Gauge & 10-Year DRIP Compounder

$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.

📊 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) →

ROARABLE C • HOLD / WATCH Cap $703.9M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on PFIS Below — or Connect Your Own ChatGPT / Claude

🤖 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

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

Each axis scored 0–20

12M PRICE TARGET CONE+2.2% Base Target

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)

Grade C$68.02+1.7% Next Q

Q2 (-2Q)

Grade C$69.16+2.6% Next Q

Q3 (-1Q)

Grade C$70.97-0.9% Next Q

Current

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”

YES 63%NO 37%Trade / Inspect Odds →

CASH DIVIDEND + BUYBACK YIELD

5.24% Total Yield

3.44% Cash ($2.42/yr) + 1.8% Buybacks

PAYOUT SAFETY SPEEDOMETER

88/100 • FORTRESS PAYOUT

FREE CASH FLOW PAYOUT RATIO

36.9% of FCF

8 consecutive years of payout growth

INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (10.2% EST. ANNUAL)

$10,000 Compounded Over 10 Years → $26,413

Est. Year-10 Shareholder Yield: $1,384/yr

Starting Investment: $10,000

Compounding Horizon: 10 Years

$11.0K

Yr 1

$12.1K

Yr 2

$13.4K

Yr 3

$14.7K

Yr 4

$16.3K

Yr 5

$17.9K

Yr 6

$19.7K

Yr 7

$21.7K

Yr 8

$24.0K

Yr 9

$26.4K

Yr 10

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Cash-Flow & Quality Compounder Desk

Cash-Fortress Compounders: Auditing Free Cash Flow & Yield Safety in PFIS & A-Rated Leaders

✓12-month Bull/Base/Bear fair-value walkthrough on PFIS and its top sector peer
✓Top Roarable A-Rated cash compounders with verified executive & 13F accumulation
✓Includes nightly RQD rating-change & forensic signal email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

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

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

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

🦋 PFIS Butterfly Map → + Track PFIS →

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?

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

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

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

Does PFIS pay a dividend and is it safe?

Peoples Financial Services Corp. (PFIS) offers a 3.44% cash dividend yield ($2.42 annualized) and 5.24% total shareholder yield including buybacks. Roarable rates its payout coverage as FORTRESS PAYOUT.

Direct Sub-Reports: PFIS RQD Cockpit PFIS 12M Forecast PFIS Earnings & Move PFIS Dividends & DRIP PFIS Insiders & 13F PFIS Whale Options PFIS Profit Sankey PFIS News & Why

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

Period	Revenue	Operating Income	Net Income	EPS	FCF	Cash	Debt
FY 2025	$0.0M	$0.0M	$59.2M	N/A	$43.3M	N/A	N/A
FY 2024	$0.0M	$0.0M	$8.5M	N/A	$32.1M	N/A	N/A
FY 2023	$0.0M	$0.0M	$27.4M	N/A	$33.3M	N/A	N/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) ↓

🟢 CATALYST Yahoo Finance • 18h ago

Peoples Financial Services (PFIS) Stock Slips As Q3 Earnings Beat Fails To Ignite

Yahoo Finance report covering Peoples Financial Services Corp. (PFIS) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Yahoo Finance • 21h ago

Peoples Financial Services (PFIS) Could Be a Great Choice

Yahoo Finance report covering Peoples Financial Services Corp. (PFIS) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Stock Titan • 1d ago

Shareholders will receive 62.5 cents per share on Dec. 15.

Stock Titan report covering Peoples Financial Services Corp. (PFIS) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Simply Wall St • 1d ago

Peoples Financial Services (PFIS) Stock Slips After Q3 Earnings Strength

Simply Wall St report covering Peoples Financial Services Corp. (PFIS) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE MarketBeat • 1d ago

Peoples Financial Services Corp. (NASDAQ:PFIS) Stock Short Interest Report for September

MarketBeat report covering Peoples Financial Services Corp. (PFIS) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Yahoo Finance • 1d ago

Peoples Financial Services: Q3 Earnings Snapshot

Yahoo Finance report covering Peoples Financial Services Corp. (PFIS) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Stock Titan • 1d ago

Peoples Financial's bank added $60.7 million in loans in one quarter.

Stock Titan report covering Peoples Financial Services Corp. (PFIS) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE MarketBeat • 1d ago

Peoples Financial Services (PFIS) Set to Announce Earnings on Thursday

MarketBeat report covering Peoples Financial Services Corp. (PFIS) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🔥 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

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.