PFIS

Based on Peoples Financial Services Corp.'s historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.

What does Peoples Financial Services Corp. do?

Peoples Financial Services Corp. is the holding company for Peoples Security Bank and Trust Company. The bank provides commercial and retail banking, including loans and deposits, alongside trust services, investment management, estate planning, and brokerage — serving individuals, businesses, and agricultural clients primarily in northeastern Pennsylvania.

Does PFIS pay dividends?

Yes, PFIS pays a regular dividend. This is consistent with the income-return tradition common among community bank holding companies. The dividend reflects the bank's stable, deposit-funded business model. Investors should verify the current dividend rate and payment schedule through the company's investor relations page.

When does PFIS report earnings?

Peoples Financial Services Corp. reports earnings on a quarterly cadence, as is standard for US-listed bank holding companies. For the exact timing of upcoming earnings releases, check the company's investor relations page or a financial calendar service.

Is PFIS a good stock to buy?

UQS Score rates PFIS as Good overall. The Quality and Risk pillars are both rated Good, and Valuation is rated Attractive. The Moat pillar is rated Weak and Growth is Neutral. Whether PFIS fits your portfolio depends on your own investment criteria — the full pillar breakdown is available to Pro members.

Is PFIS overvalued?

Based on the UQS Score framework, PFIS carries an Attractive Valuation rating, suggesting the stock is not considered expensive relative to its fundamentals. Community banks can trade at discounts when growth prospects are modest, which may partly explain this rating. Full valuation metrics are available to Pro members.

How does PFIS compare to its competitors?

PFIS competes with other small-cap community banks such as Third Coast Bancshares, Northfield Bancorp, and Bar Harbor Bankshares. Each operates in different regional markets with varying loan mixes. UQS Score provides side-by-side pillar comparisons for Pro members to evaluate relative quality and risk across these peers.

What is PFIS's market cap bracket?

PFIS is classified as a small-cap stock. This places it among smaller community bank holding companies, which typically have more concentrated geographic exposure and less liquidity than large regional or national banks. Small-cap financials can offer attractive valuations but may carry higher volatility.

Who founded Peoples Financial Services Corp.?

Peoples Financial Services Corp. was established as a holding company in 2002. The underlying banking operations through Peoples Security Bank and Trust have deeper community roots in the Scranton, Pennsylvania region. Detailed founding history is available through the company's official website and public filings.

Is PFIS a long-term quality investment?

As a long-term quality indicator, the UQS Score rates PFIS as Good. The Good Quality and Risk ratings suggest financial discipline and manageable risk, while the Weak Moat rating is a consideration for long-term durability. Investors focused on income and stability may find the Attractive valuation and regular dividend relevant to a long-term thesis.

What is the main competitive advantage of Peoples Financial Services Corp.?

Peoples Security Bank and Trust competes primarily through community relationships, local market knowledge, and a diversified service mix that includes trust and investment management alongside traditional banking. However, the UQS Moat pillar is rated Weak, reflecting that structural competitive advantages are limited relative to larger banking institutions.

Peoples Financial Services Corp. shows solid profitability with healthy returns on capital and reasonable margins.

Peoples Financial Services Corp. demonstrates healthy growth trends across revenue and earnings.

Peoples Financial Services Corp. presents elevated risk with concerns around leverage or financial stability.

Peoples Financial Services Corp. appears attractively valued relative to its earnings, cash flows, and sector peers.

Peoples Financial Services Corp. operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for PFIS.

The UQS (Unified Quality Score) for Peoples Financial Services Corp. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.

Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.

Moat (25%) assesses Peoples Financial Services Corp.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.

Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.

Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.

Valuation (15%) measures whether Peoples Financial Services Corp. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.

Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.