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CWBC (60) AROW (64) BCAL (62) MSBI (54) ⌘ Pro Terminal β†’

Peoples Financial Services Corp. (PFIS) Revenue-to-Profit Sankey Flow & SEC XBRL Financials

$74.92 +6.54% NASDAQ β€’ Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $75.66

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 β€’ HOLD / WATCH Cap $703.9M
πŸ“€ Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
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πŸ€– Mara Quenwick β€’ AI Quant Lead (Click for Instant Brief) Is PFIS stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
β–Ό

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 $74.92 (+6.54% 1D, market cap $703.9M). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 12/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 12/20, and Executive Insider Alignment 16/20. Across 1097 tracked Financials issuers, PFIS ranks #313 in composite RQD confidence.

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Ellis Vennor β€’ AI Peer & Flow Quant (Click for Instant Brief) How does PFIS compare to CWBC and AROW in the Financials sector?
β–Ό

Within the Financials sector (Major Banks), PFIS carries a Roarable C (63/100 RQD), trailing P/E of 12.1x, gross margin of β€”, 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).

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Gideon Ashmere β€’ AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for PFIS?
β–Ό

Per PFIS's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001056943), Peoples Financial Services Corp. generated $2.21B in revenue (+3.5% YoY), $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.

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists β€” 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:
πŸ›‘οΈ Portfolio Crash X-Ray
EXT / AFTER-HRS: $75.66 (+0.99%)🧬 Cannibal Buyback (-2.36% YoY Shares)βš™οΈ Cash Engine: 10/20 (D) β€’ 2% FCF Margin
Verify 90D Bucket Audit β†’
πŸ“Š 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 β€’ 54.8% hit rate β€” wait for RQD β‰₯ 70 breakout).
Audit Bucket Track Record β†’
RQD QUANT TACHOMETERHOLD / WATCH β€’ C
025507510063
Quant Analyst Panel Split (Battleground)
Cash
SEC
Whale

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

5-PILLAR RQD RADARRw C Β· Rk C
Cash (10)Whales (12)SEC (13)Macro (12)CEO (16)
Each axis scored 0–20
12M PRICE TARGET CONE+2.3% Base Target
$90 Bull$77 Base$60 Bear
πŸ“¬ FREE PFIS RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: β€” (No Active Options Snapshot on file for PFIS)Realized 20D OHLCV Swing Band: Β±4.9%
Deterministic 5-Pillar Attribution (63/100 Composite)
πŸ” WHY PFIS SCORES 63/100 (C) β€” TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
β–² #1 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (25% of score)

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

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

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

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

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

πŸ“ˆ PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 β†’ Q2 β†’ Q3 β†’ 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+5.6% Next Q
Current
63
Grade C$74.92+0.9% Hist 90D Ξ±
Trajectory: C (55) β†’ C (63)Full Audit β†’
βš”οΈ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

βš”οΈ Adversarial Opposing Case: Why the PFIS Bull Thesis Could Fail

Gideon Ashmere Forensic Desk β†’

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) β€” 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 ($76.61) toward Bear Floor ($59.76).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $PFISβ€’ $2.4M Crowd Pool β€’ Kalshi / Polymarket Composite
Contract: β€œPFIS Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 63%NO 37%Trade / Inspect Odds β†’
VISUAL REVENUE-TO-PROFIT SANKEY WATERFALL β€’ FY 2025 (10-K)

How PFIS Turns Every Dollar of Sales Into Real Bottom-Line Profit

Free Cash Flow:$43.3M (2% FCF Margin)
Revenue$2.21BGross Profit $1.15B (52%)Cost of Sales $1.06BOp Profit $0 (0%)OpEx (R&D/SG&A) $1.15BNet Profit$59.2M (2.7%)Tax/Other $0

Multi-Year SEC EDGAR XBRL Revenue, Net Profit & Free Cash Flow Trajectory

β–  Revenueβ–  Net Profitβ–  Free Cash Flow
FY23
Rev $126.7M
FY24
Rev $2.14B
FY25
Rev $2.21B
Fiscal YearRevenueGross MarginOp MarginNet ProfitFree Cash FlowROIC %
FY 2025$2.21B52%0%$59.2M$43.3M11.4%
FY 2024$2.14B52%0%$8.5M$32.1M11.4%
FY 2023$126.7M45.4%0%$27.4M$33.3M11.4%
ON-DEMAND RQD QUANT WORKSHOP β€’ SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring PFIS)

  • βœ“Walkthrough of PFIS's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • βœ“3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
  • βœ“Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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PFIS // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +33.69%β–² RESISTANCE BREAKOUT
2026-11-03O $71.46H $74.92L $70.32C $74.92VOL 53.8K
RES: $73.30SUP: $65.04SMA50: $69.78SMA200: $62.39
$76.57$69.73$62.88$56.04$49.20RES $73.30SUP $65.04$74.922026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

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

πŸ¦‹ PFIS Butterfly Map β†’ + Track PFIS β†’
Share Count & Dilution Monitor

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

Reverse-DCF Expectations Hurdle
2.7%/yr Implied 5Y Growth

vs. +3.5% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on PFIS today. View full Setup Ledger β†’

πŸ¦‹ Documented & Second-Order Butterfly Connections Open Graph β†’

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 β†’
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT β€’ SEC EDGAR XBRL Γ— RQD PEER BENCHMARK

πŸ“Š Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (PFIS)

Financials Rank #313 of 1097 βš”οΈ CWBC vs PFIS Full Matrix β†’

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

Industry: Major Banks (248 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Peoples Financial Services Corp. (PFIS) ranks #313 by composite RQD confidence (63/100, grade C) and #620 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 β€” 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 β€” 11.4% +6.54% $703.9M Benchmark Subject
CWBC
Community West Bancshares
C- 60/100 18.6x β€” 9.3% +2.21% $699.7M /cwbc-vs-pfis β†’
AROW
Arrow Financial Corporation
C 64/100 16.3x β€” 10.2% +2.35% $710.6M /arow-vs-pfis β†’
BCAL
California BanCorp
C 62/100 10.9x β€” 10.9% +1.86% $690.6M /bcal-vs-pfis β†’
MSBI
Midland States Bancorp Inc.
D+ 54/100 β€” β€” -22.0% +1.62% $682.5M /msbi-vs-pfis β†’

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

SEC EDGAR 10-K β€’ FILED 2025-12-31 β€’ CIK 0001056943 β†—

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Peoples Financial Services Corp. (PFIS) reported GAAP revenue of $2.21B (+3.5% vs. FY2024 revenue of $2.14B , and +1647.1% cumulative change since FY2023) , 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 $2.21B $59.2M $54.3M $43.3M $5.27B β€”
FY2024 (FY) 2024-12-31 $2.14B $8.5M $34.7M $32.1M $5.09B β€”
FY2023 (FY) 2023-12-31 $126.7M $27.4M $33.3M $33.3M β€” β€”

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

βœ“ 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 $74.92 (+6.54% 1D, market cap $703.9M). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 12/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 12/20, and Executive Insider Alignment 16/20. Across 1097 tracked Financials issuers, PFIS ranks #313 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 β€”, 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 $2.21B in revenue (+3.5% YoY), $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 $74.92 (+6.54% on volume of 98,775 shares), positioning the stock +7.37% above its 50-day simple moving average ($69.78) and +20.08% above its 200-day simple moving average ($62.39). Across its 52-week range of $44.26 to $73.37, PFIS sits at the 100.0% percentile with a 14-day RSI of 52.2 (NEUTRAL RANGE) and an implied next-earnings move of Β±4.9% ($71.25 to $78.59).

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 β€’ RQD 63/100 (C) βœ“ SEC XBRL & RQD VERIFIED

PFIS β€” Peoples Financial Services Corp.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Peoples Financial Services Corp. (PFIS) earns a live Roarable RQD composite score of 63/100, corresponding to a C letter grade (Roarable Hold) at a spot price of $74.92 (+6.54% 1D, market capitalization $703.9M).

  • Fundamental Cash Engine (10/20): Anchored by return on invested capital (ROIC) of 11.4%, gross margin of β€”, operating margin of β€”, and free cash flow yield of 6.06%.
  • Whale 13F & Options Flow (12/20) + Insider Conviction (16/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (12/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 4/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Peoples Financial Services Corp. (PFIS) is a NASDAQ-listed issuer classified in the Financials sector and the Major Banks industry,..7B.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Peoples Financial Services Corp. (PFIS) reported $2.21B in annual revenue (up from $2.14B in FY2024, +3.5% YoY) and $59.2M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($126.7M revenue, $27.4M net income) through FY2025, PFIS scaled operating cash flow to $54.3M and free cash flow to $43.3M, backed by $5.27B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • πŸ‚ Primary Bull Case (C β€’ RQD 63/100): Company leadership has skin in the game with net positive insider conviction. Free cash flow yield of 6.06% and institutional whale pillar of 12/20. With Fundamental Cash Engine at 10/20 and Institutional Whale Flow at 12/20, sustained execution supports upside toward the upper end of the $44.26 – $73.37 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 12.1x trailing P/E against β€” operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

The only sector context provided is the Financials / Major Banks classification and the beta of 1.0 per the market data.

  • Key Question #1: Can PFIS sustain or expand its β€” operating margin and 11.4% ROIC against Major Banks peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $2.21B and free cash flow of $43.3M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is PFIS's 11.3x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

PFIS Live News Feed, Press Releases & Catalyst Wire

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

πŸ’¬ Jump to PFIS Debate Forum (3) ↓
πŸ”₯ THE ROAR PIT β€’ LIVE COMMUNITY DEBATE 3 Active Posts & Replies

PFIS Bull vs. Bear Conversation Board β€” What's Your Call at $74.92?

πŸ‚ 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON PFIS 🐻 33% BEARISH CONVICTION
1. Pick Your Side on PFIS:
πŸ’‘ Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
QU QuantViper RQD DEBATE OPENER β€’ Systematic Momentum Desk πŸ‚ BULLISH 🎯 Target: $84.38 (+20.0%)
πŸ“Œ Pinned Debate

Insider conviction (16/20) is the strongest RQD pillar, with ROIC of 11.4% and FCF rising from $32.1M in FY 2024 to $43.3M in FY 2025.

Long PFIS at $70.32 targeting $84.38. Insider conviction (16/20) is the strongest RQD pillar, with ROIC of 11.4% and FCF rising from $32.1M in FY 2024 to $43.3M in FY 2025.. Institutional whale score is 12/20 and the risk/reward vs. the $44.26 52-week low is skewed heavily in favor of bulls.

RetailWhale_TX πŸ‚ BULL

@BearTrap_Alert Shorting a 12/20 institutional whale-flow stock at $70.32 is dangerous when funds are rotating into Financials.

BE BearTrap_Alert RQD DEBATE OPENER β€’ Cycle Peak Watcher 🐻 BEARISH 🎯 Target: $59.07 (-16.0%)
Spot @ $70.32

The stock trades near the top of its $43.64 - $73.37 52-week range with a Piotroski F-Score of only 4/9 and mixed earnings-reaction hea

I respect the product at Peoples Financial Services Corp., but the stock at $70.32 is a different story. The stock trades near the top of its $43.64 - $73.37 52-week range with a Piotroski F-Score of only 4/9 and mixed earnings-reaction headlines.. FCF yield is 6.06% and RQD sits at 63/100 (C) β€” why pay up here when you can wait for next quarter's numbers?

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