# Peoples Financial Services Corp. (PFIS) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Financial Services / Banks. Price $71.83, market value $719 million.

## Valuation
- **P/E (trailing): 12.7×** (5-yr avg 16.7×, 3-yr avg 22.5×). Peoples Financial Services Corp. trades at 12.7× trailing earnings, well below its own five-year average of 16.7×: cheap by its own standards. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 9.7×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.02**. A PEG of 0.02 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / book: 1.3×**. The shares trade at 1.3× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 6.2%** (5-yr avg 9.6%). Free cash flow equals 6.2% of the market value, below its five-year average of 9.6%, so the shares are pricier on cash than usual. Above 5% is generally attractive.
- **Earnings yield: 7.9%**. The inverse of the P/E: 7.9% of the price is earned each year.

## Profitability
- **Return on equity: 11.4%**. 11.4% on shareholders' equity is solid.

## Growth
- **EPS growth (1 yr): 493.9%** (3-yr 3.7%/yr, 5-yr 8.0%/yr). Earnings per share rose 493.9%.
- **Free-cash-flow growth (3 yr): 7.9%/yr**. Free cash flow has compounded at 7.9% a year over three years, keeping pace with earnings: the growth is real cash.

## Financial health
- **Piotroski F-score: 4/9**. 4 of 9 checks pass: mixed.

## Dividends
- **Dividend yield: 3.48%** ($2.48 per share, trailing). Peoples Financial Services Corp. yields 3.48%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 42%** (55% of free cash flow). 42% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 19**. 19 straight years of increases, a record that survived at least one recession.
- **Dividend growth (5 yr): 11.4%/yr** (1-yr 20.2%). The dividend has compounded at 11.4% a year over five years, doubling roughly every 6 years at that pace.

## Price and momentum
- **Total return (1 yr): 38.8%** (YTD 50.7%, 3-mo 19.5%). The shares are up 38.8% over twelve months including dividends.
- **From 52-week high: -2.1%** (64.6% above the low). Trading within 5% of its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 61**. An RSI of 61 is neutral.
- **Beta (1 yr): 0.42** (volatility 25%). Beta of 0.42 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=PFIS · Page: https://foliofundamentals.com/stocks/pfis

Not investment advice.