PFIS

Peoples Financial Services Corp.

Financial Services · $684M market cap

Verdict

Share price

$69.29

close of Oct 3, 2026

Fair value

$75.50

Sticker Price

Payback Price

$30.20

buy price

Fairly Valued

PFIS is Fairly Valued: at $69.29 it's within 8% of its fair value of $75.50. Its buy price (Payback Price) is $30.20, 56% below today's price. Business quality is solid: 3 of 5 key numbers clear the 10% bar.

How we valued it

Justified P/B (Financials). A bank or insurer. These are best valued on their book value and how much they earn on it.

Business quality

3 of 5 clear the 10% bar. What are the Big Five?

Earnings per share growth13.5% a year✓
Equity per share growth7.8% a year✗
Sales growth12.3% a year✓
Free cash flow growth11.7% a year✓
Return on invested capital2.8%✗

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Insider activity

Since Jun 26, 2026: no open-market purchases and 14 other filings (stock awards, tax withholding and similar). Why purchases matter

Other filings

About Peoples Financial Services Corp.

Peoples Financial Services Corp. functions as the holding company for Peoples Security Bank and Trust Company, delivering a comprehensive suite of commercial and retail banking solutions. Its deposit offerings encompass demand deposit accounts (including NOW and small business checking), money market and savings accounts, individual retirement accounts (IRAs), and various certificates of deposit. The company's…

Banks - Regional

Fair value and Payback Price are estimates from the company's reported financials, not investment advice. Prices as of the close of Oct 3, 2026. How the Payback Price works