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.
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.
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).
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.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)
Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 4/9
Capital intensity & 0% operating margin leave 10 pts on the table
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.
Broader market pullbacks can still drag down strong stocks in the short run.
Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
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).
Peoples Financial Services Corp. (PFIS) surged +6.54% to $74.92, trading at 99% of its 52-week range ($44.26 – $74.92). Solid steady margins (11% return on capital), mixed timing at 12x P/E—hold if owned, no rush to chase.
Yahoo Finance report covering Peoples Financial Services Corp. (PFIS) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Peoples Financial Services Corp. (PFIS) market action, institutional positioning, and fundamental catalysts.
Stock Titan report covering Peoples Financial Services Corp. (PFIS) market action, institutional positioning, and fundamental catalysts.
Simply Wall St report covering Peoples Financial Services Corp. (PFIS) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering Peoples Financial Services Corp. (PFIS) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Peoples Financial Services Corp. (PFIS) market action, institutional positioning, and fundamental catalysts.
Stock Titan report covering Peoples Financial Services Corp. (PFIS) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering Peoples Financial Services Corp. (PFIS) market action, institutional positioning, and fundamental catalysts.
MOOSIC, Pa., October 30, 2026--Peoples Financial Services Corp. ("Peoples" or the "Company") (NASDAQ: PFIS), the bank holding company for Peoples Security Bank and Trust Company (the "Bank"), today reported unaudited fin
Peoples Financial Servs (NASDAQ:PFIS) reported quarterly earnings of $1.90 per share which beat the analyst consensus estimate of $1.68 by 13.1 percent. This is a 25.83 percent increase over earnings of $1.51 per share
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +3.5% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on PFIS today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for PFIS. Explore sector supply chains on /butterfly.
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 — 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% | +6.54% | $703.9M | Benchmark Subject |
| CWBC Community West Bancshares | C- | 60/100 | 18.6x | — | 9.3% | +2.21% | $699.7M | /cwbc-vs-pfis → |
| AROW Arrow Financial Corporation | C | 64/100 | 16.3x | — | 10.2% | +2.35% | $710.6M | /arow-vs-pfis → |
| BCAL California BanCorp | C | 62/100 | 10.9x | — | 10.9% | +1.86% | $690.6M | /bcal-vs-pfis → |
| MSBI Midland States Bancorp Inc. | D+ | 54/100 | — | — | -22.0% | +1.62% | $682.5M | /msbi-vs-pfis → |
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 | — |
| FY2024 (FY) | 2024-12-31 | $2.14B | $8.5M | $34.7M | $32.1M | $5.09B | — |
| FY2023 (FY) | 2023-12-31 | $126.7M | $27.4M | $33.3M | $33.3M | — | — |
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.
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).
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.
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 ±4.9% ($71.25 to $78.59).
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).
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.
The only sector context provided is the Financials / Major Banks classification and the beta of 1.0 per the market data.
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Yahoo Finance report covering Peoples Financial Services Corp. (PFIS) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Peoples Financial Services Corp. (PFIS) market action, institutional positioning, and fundamental catalysts.
Stock Titan report covering Peoples Financial Services Corp. (PFIS) market action, institutional positioning, and fundamental catalysts.
Simply Wall St report covering Peoples Financial Services Corp. (PFIS) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering Peoples Financial Services Corp. (PFIS) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Peoples Financial Services Corp. (PFIS) market action, institutional positioning, and fundamental catalysts.
Stock Titan report covering Peoples Financial Services Corp. (PFIS) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering Peoples Financial Services Corp. (PFIS) market action, institutional positioning, and fundamental catalysts.
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.
@BearTrap_Alert Shorting a 12/20 institutional whale-flow stock at $70.32 is dangerous when funds are rotating into Financials.
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) — why pay up here when you can wait for next quarter's numbers?
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