📊 PFIS Key Takeaways
Is Peoples Financial Services Corp.. (PFIS) a Good Investment?
Despite strong 56.5% revenue growth and a conservative balance sheet, PFIS presents material financial distress signals. The 0.9x interest coverage ratio indicates operating income is insufficient to service debt obligations, and flat year-over-year net income despite significant revenue growth signals deteriorating operational efficiency and earnings quality concerns.
Peoples Financial Services Corp.. Key Strengths (PFIS)
- Strong 56.5% year-over-year revenue growth demonstrates market demand and business expansion
- Conservative capital structure with debt-to-equity of 0.06x and only $32.2M long-term debt
- Positive free cash flow of $6.5M and solid net margin of 22.8%
PFIS Stock Risks: Peoples Financial Services Corp.. Investment Risks
- Critical: 0.9x interest coverage ratio indicates operating income insufficient to cover interest obligations, signaling potential debt service stress
- Net income flat YoY despite 56.5% revenue growth reflects margin compression or cost control deterioration
- Severely weak returns: ROE of 2.8% and ROA of 0.3% indicate poor capital efficiency and value creation for a banking sector company
Key Metrics to Watch
- Interest coverage ratio trend and absolute debt service capacity
- Net income growth rate relative to revenue growth to assess margin sustainability
- Return on equity and return on assets improvement trajectory
Peoples Financial Services Corp.. (PFIS) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
PFIS Profit Margin, ROE & Profitability Analysis
PFIS vs Finance Sector: How Peoples Financial Services Corp.. Compares
How Peoples Financial Services Corp.. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Peoples Financial Services Corp.. Stock Overvalued? PFIS Valuation Analysis 2026
Based on fundamental analysis, Peoples Financial Services Corp.. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Peoples Financial Services Corp.. Balance Sheet: PFIS Debt, Cash & Liquidity
PFIS Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Peoples Financial Services Corp..'s revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $3.83 reflects profitable operations.
PFIS Revenue Growth, EPS Growth & YoY Performance
Peoples Financial Services Corp.. Dividends, Buybacks & Capital Allocation
PFIS SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Peoples Financial Services Corp.. (CIK: 0001056943)
📋 Recent SEC Filings
❓ Frequently Asked Questions about PFIS
What is the AI rating for PFIS?
Peoples Financial Services Corp.. (PFIS) has an AI grade of C with 72% confidence, based on fundamental analysis of SEC EDGAR filings.
What are PFIS's key strengths?
Claude: Strong 56.5% year-over-year revenue growth demonstrates market demand and business expansion. Conservative capital structure with debt-to-equity of 0.06x and only $32.2M long-term debt.
What are the risks of investing in PFIS?
Claude: Critical: 0.9x interest coverage ratio indicates operating income insufficient to cover interest obligations, signaling potential debt service stress. Net income flat YoY despite 56.5% revenue growth reflects margin compression or cost control deterioration.
What is PFIS's revenue and growth?
Peoples Financial Services Corp.. reported revenue of $64.7M.
Does PFIS pay dividends?
Peoples Financial Services Corp.. pays dividends, with $6.2M distributed to shareholders in the trailing twelve months.
Where can I find PFIS SEC filings?
Official SEC filings for Peoples Financial Services Corp.. (CIK: 0001056943) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is PFIS's EPS?
Peoples Financial Services Corp.. has a diluted EPS of $1.47.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined grade reflects both perspectives for balanced insights.
What is PFIS's fundamental grade?
Based on our AI fundamental analysis in May 2026, Peoples Financial Services Corp.. has a C grade with 72% confidence. Review the strengths and risks sections above for full context. This is not investment advice.
Is PFIS stock overvalued or undervalued?
Valuation metrics for PFIS: ROE of 2.8% (sector avg: 12%), net margin of 22.8% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
What is PFIS's AI grade for 2026?
Our dual AI analysis gives Peoples Financial Services Corp.. a combined C grade for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is PFIS's free cash flow?
Peoples Financial Services Corp..'s operating cash flow is $8.3M, with capital expenditures of $1.8M. FCF margin is 10.0%.
How does PFIS compare to other Finance stocks?
Vs Finance sector averages: Net margin 22.8% (avg: 25%), ROE 2.8% (avg: 12%), current ratio N/A (avg: 1.2).