Peoples Financial Services Corp. (PFIS) Stock Score, Valuation & Financial Research
Peoples Financial Services Corp. is in the Financial Services sector and Banks - Regional industry. It is reviewed using Wall Street Score's company-strength, valuation, growth and financial-health framework. The current Wall Street Score is 59/100.
Quick answer for PFIS
Peoples Financial Services Corp. currently has a Wall Street Score of 59/100. The stored market price is $71.98. Its financial score is 33/100. Its valuation score is 97/100. These figures are a research snapshot, not a buy or sell recommendation.
What Peoples Financial Services Corp. does
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 lending portfolio is extensive, covering residential needs such as mortgages, auto, personal, manufactured housing, and home equity loans. For commercial clients, it extends financing for real estate, working capital, construction, equipment, agricultural ventures, mineral rights, and Small Business Administration (SBA) initiatives. Beyond traditional banking, the corporation delivers a range of wealth management and trust services. These encompass investment management, various tr
PFIS financial snapshot
- Wall Street Score:
- 59/100
- Current price:
- $71.98
- Market capitalization:
- $720.6M
- Revenue:
- $285.0M
- Net income:
- $58.9M
- Free cash flow:
- $43.3M
- Cash:
- $59.5M
- Total debt:
- $314.1M
- EPS:
- 5.92
- P/E ratio:
- 12.2x
- Financial score:
- 33/100
- Valuation score:
- 97/100
- Revenue score:
- 43/100
What stands out
- Reported year-over-year revenue growth is +0.0%.
- Free cash flow is $43.3M, showing positive cash generation.
- The balance sheet shows $59.5M of cash versus $314.1M of total debt, so leverage deserves attention.
What the numbers mean
Its current valuation score is 97/100, which Wall Street Score classifies as strong within the model's valuation framework.
The financial score is 33/100. This is a starting point for reviewing liquidity, leverage and cash-flow strength rather than a stand-alone recommendation.
A strong company and an attractive stock price are not always the same thing. Revenue, earnings, free cash flow, debt, management quality, competitive advantage and valuation should be considered together. Wall Street Score organizes these inputs into a consistent research framework so investors can identify what deserves deeper review.
Data freshness: Financial data last refreshed 2026-07-24.
How to research PFIS
Start by understanding how the company makes money. Then compare revenue and earnings trends, cash generation, debt, liquidity and valuation. Review the company's latest filings and earnings reports before acting on any score or model estimate.
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Data may change as company filings and market prices update. Educational research only; not a buy or sell recommendation.