Stocktoria
PEOPLES FINANCIAL SERVICES CORP. PFIS
PEOPLES FINANCIAL SERVICES CORP. (PFIS) earns a Piotroski F-score of 3/9 (weak financial health). It pays a dividend yielding 3.67% (safety: moderate).
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Wall Street analyst consensus — a sentiment gauge, not our scoring.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 3/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| PFIS | PEOPLES FINANCIAL SERVICES CORP. | 3/9 | — | 11.3 | — |
| MFG | MIZUHO FINANCIAL GROUP INC | 4/9 | — | — | +7.6% |
| JPM | JPMORGAN CHASE & CO | 2/9 | — | 15.5 | +2.8% |
| BAC | BANK OF AMERICA CORP /DE/ | 5/9 | — | 13.5 | +6.8% |
| C | CITIGROUP INC | 3/9 | — | 17 | +5.6% |
| COF | CAPITAL ONE FINANCIAL CORP | 4/9 | — | 51.2 | +36.6% |
| USB | US BANCORP DE | 6/9 | — | 12.1 | +4.4% |
All Finance, Insurance & Real Estate companies →
About PEOPLES FINANCIAL SERVICES CORP.
Peoples Financial Services Corp. operates as the bank holding company for Peoples Security Bank and Trust Company that provides commercial and retail banking services in Pennsylvania, New Jersey and New York. The company accepts deposits through money market, negotiable order of withdrawal, savings, individual retirement, demand deposit, and certificates of deposit accounts. It also provides residential real estate, automobile, manufactured housing, personal, and home equity loans; and commercial real estate and working capital, as well as loans for equipment and other commercial needs. In addition, the company offers fiduciary and investment services, including investment management, IRA trustee, estate administration, living and life insurance trust, trustee under will, guardianship, custodial/IRA custodial, and corporate trust services, as well as pension and profit-sharing plans. Further, it provides wealth management products and services comprising investment portfolio management, estate and business succession planning, annuities, insurance, retirement plan, and tax planning, as well as education funding strategies; and securities, brokerage, and investor services. Additionally, the company offers remote deposit capture, automatic clearing house transaction, cash management, automated teller machine, point of sale transaction, safe deposit box, night depository, direct deposit, and official check services. It serves business, non-profit, governmental, municipal agency, and professional customers, as well as retail customers. The company was founded in 1905 and is headquartered in Moosic, Pennsylvania.
FAQ
Is PFIS financially healthy?
PEOPLES FINANCIAL SERVICES CORP.'s Piotroski F-score is 3/9 (8–9 is excellent, 0–3 weak).
Does PFIS pay a dividend, and is it safe?
Yes. PEOPLES FINANCIAL SERVICES CORP. pays a dividend yielding about 3.67% with a 41.6% payout ratio, rated “moderate” for safety.
How profitable is PFIS?
In FY2025, PEOPLES FINANCIAL SERVICES CORP. had a return on equity of 11.4%.
Is PFIS overvalued or undervalued?
PEOPLES FINANCIAL SERVICES CORP. trades at about 12.1× trailing earnings — near its 10-year norm (10-year range 8.4×–52.0×, median 12.2×). Stocktoria reports the data, not buy/sell advice.
What is the analyst price target for PFIS?
The average Wall-Street price target for PEOPLES FINANCIAL SERVICES CORP. is $62.00, about 13.0% below the recent price, from 2 analysts.
Is PFIS a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on PEOPLES FINANCIAL SERVICES CORP.: a Piotroski F-score of 3/9, a P/E of about 11.3×, a dividend yield of 3.67%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.