PEOPLES FINANCIAL SERVICES CORP (PFIS)
Financials · regional banking · NASDAQ
Peoples Financial Services Corp. is a community-focused bank holding company providing diversified lending, deposit, and trust services across Pennsylvania, New Jersey, and New York.
What PEOPLES FINANCIAL SERVICES CORP does
Peoples Financial Services Corp. is a bank holding company that provides a range of financial services primarily through its subsidiary, Peoples Security Bank and Trust Company. The company operates community banking offices across Pennsylvania, New Jersey, and New York, offering services including commercial and consumer lending, deposit products, and trust services.
Themes: community banking, commercial real estate lending, commercial and industrial lending
Fundamentals
- Price$70.14 as of 2026-08-21 close
- Market cap$702M as of 2026-08-21
- 1-year return+40.4% 2025-08-21 close $49.95 → 2026-08-21 close $70.14
- P/E12.17 as of 2026-08-24
- Net margin+31.9% as of 2026-08-24
- ROE+11.5% as of 2026-08-24
- Debt / equity0.17 as of 2026-08-24
- Revenue growth (YoY)+36.8% as of 2026-08-24
- Beta0.74 as of 2026-08-24
- Last reported earnings2026-07-30 SEC EDGAR Form 8-K (Item 2.02)
Dividend: yield +3.8%; at least 5 years of non-decreasing per-share dividends (SEC XBRL) — we do not hold the year before it, so the real streak may be longer.
How PFIS compares in its sector
- price-to-earnings ratiomiddle range 525 covered Financials peers, as of 2026-08-24
- net profit margintop 25% 538 covered Financials peers, as of 2026-08-24
- operating marginmiddle range 534 covered Financials peers, as of 2026-08-24
- return on equitymiddle range 575 covered Financials peers, as of 2026-08-24
- indicated dividend yieldmiddle range 453 covered Financials peers, as of 2026-08-24
- free cash flow (absolute dollars, latest fiscal year)middle range 431 covered Financials peers, as of FY2025
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Dividend coverage (FY2025)
Covered by reported results. In FY2025, PFIS's dividend was covered by reported results (earnings payout 42%, free-cash-flow payout 57%). This describes past coverage, not a forecast.
- Earnings payout42% dividends / net income
- Free-cash-flow payout57% dividends / (operating cash flow − capex)
Coverage derived from reported SEC EDGAR XBRL figures for FY2025 (dividends paid vs. net income and free cash flow, same fiscal year). This describes PAST coverage for one fiscal year — it does not predict whether a dividend will be maintained, raised, or cut, and a one-year payout ratio can be distorted by non-recurring items. Informational only — not financial advice.
How PEOPLES FINANCIAL SERVICES CORP looks technically
PEOPLES FINANCIAL SERVICES CORP (PFIS) is trading 23.4% above its 200-day average, the long-term trend line — a longer-term uptrend. Its 50-day average crossed above its 200-day average about 164 trading days ago — a "golden cross", a bullish long-term signal. There is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 17, below the 25 that marks a real trend). Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 52, neither overbought (above 70) nor oversold (below 30). It made a new 20-day high about 14 trading days ago. It is 4.4% below its all-time high. Day-to-day price swings are unusually narrow versus its own recent history — a "Bollinger squeeze" (in the tightest 1% of the past ~6 months), which often precedes a bigger move.
Trend
8
| Distance from the 200-day | it is trading 23.4% above its 200-day average, the long-term trend line — a longer-term uptrend | +23.4% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $67.96 | $67.96 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $56.86 | $56.86 |
| Swing structure | each recent peak has been lower than the one before it and each dip deeper — the pattern chart-watchers call a downtrend, which describes where price has already been and not where it goes next | lower highs and lower lows |
| Last swing turn | its last significant turn was a swing high 8 calendar days ago — the swings before that are what the structure reading is measured on | 8 sessions |
| Wave structure | its recent swings can be read as a five-part downward sequence — what Elliott-wave chartists call an impulse — now in leg 3 of five; the labelling fails if price closes above 72.41. It is one of several labellings that fit, and it describes the swings already printed, not what comes next. The same swings also read as a three-part correction in leg C. | possible downward five-wave sequence, in wave 3 (one of several readings) |
| Since the 50/200 cross | its 50-day average crossed above its 200-day average about 164 trading days ago — a "golden cross", a bullish long-term signal | 164 sessions |
| Trend strength (14-day ADX) | there is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 17, below the 25 that marks a real trend) | 16.9 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 52, neither overbought (above 70) nor oversold (below 30) | 52.1 |
|---|---|---|
| Position in its 14-day range | it is trading in the lower half of its 14-day range ($68.75 to $72.87) — its "stochastic" reading is 34 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been slipping within that range over the last few sessions. | 33.8 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, is in negative territory (momentum leaning bearish) | 15 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $73.37 | $73.37 |
|---|---|---|
| From the 52-week high | it is 4.4% below its 52-week high (its highest price of the past year) | -4.4% |
| Above the 52-week low | it is 60.7% above its 52-week low (its lowest price of the past year) | +60.7% |
| Below the 52-week high | it is 4.4% below its highest point of the past year | 4.4% |
| Since a 20-day breakout | it made a new 20-day high about 14 trading days ago | 14 sessions |
| Since a 55-day breakout | it made a new 55-day high about 14 trading days ago | 14 sessions |
| All-time high | its highest closing price on record is $73.37 (set on 2026-07-29) | $73.37 |
| Given back of the 52-week move | over the past year its closes ranged ($44.54 to $71.98), and it has given back only a small part of its rise from last year’s low — 7% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $54.14 to $55.02. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 6.7% |
| From the all-time high | it is 4.4% below its all-time high | -4.4% |
| Nearest price level | it is trading 3.9% below a resistance level at $72.89 — a price it turned at twice since 2026-07-29, most recently on 2026-08-13. Since 2024-08-21 it has 11 such levels below the current price and 1 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | +3.9% |
| All-time low | its lowest closing price on record is $16.00 (set on 2009-01-15) | $16.00 |
| Above the all-time low | it is 338.4% above its all-time low | +338.4% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are unusually narrow versus its own recent history — a "Bollinger squeeze" (in the tightest 1% of the past ~6 months), which often precedes a bigger move | 0th percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $1.73 between its high and its low — about 2.5% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $1.73 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $69.39 and $72.40 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $69.39 – $70.90 – $72.40 |
| Typical daily range (% of price) | its price moves about 2.5% in a typical session — calmer than most companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 2.5% |
| Stretch from the 200-day average | it is trading 7.7 daily ranges above its 200-day average price (23.4% above it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 7.7 daily ranges above its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is about normal versus its 30-day average | 1.31× |
|---|
Analyst
2
| Change in the average price target | analysts' average price target is unchanged from the prior reading | 0.0% |
|---|---|---|
| Change in the consensus rating | the analyst consensus rating is unchanged since the prior reading | unchanged |
Price gaps
2
| Gap at the open | it opened on 2026-08-21 0.5% above the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and traded back through that level before the close | +0.5% |
|---|---|---|
| Open gap | it gapped 4.5% above the previous close 48 sessions ago and has not traded back through the level it left behind at 60.82 — an "unfilled gap", which describes a price range no trade has since crossed and is not a forecast that it will be crossed | +4.5% |
Price streaks
1
| Closing streak | it closed lower in its latest session, after a session that did not close lower — a single down day rather than a run | 1 session down |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock lagged the market by 0.8 percentage points (the stock gained 1.5% while the market gained 2.3%) | -0.8% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock beat the market by 14.6 percentage points (the stock gained 17.7% while the market gained 3.1%) | +14.7% |
| vs market, 6 months | over the past 6 months this stock beat the market by 13.2 percentage points (the stock gained 24.3% while the market gained 11.1%) | +13.2% |
| vs market, 12 months | over the past 12 months this stock beat the market by 19.9 percentage points (the stock gained 40.4% while the market gained 20.5%) | +19.9% |
Signal agreement
2
| Bullish technical signals | 4 of the 9 technical signals we can compute for it are currently in a bullish state: a "golden cross" — its 50-day average is above its 200-day, trading above its 200-day average, outperforming the market over 6 months, trading above the Ichimoku cloud — these describe past price behaviour, not a forecast | 4 of 9 |
|---|---|---|
| Bearish technical signals | 1 of the 9 technical signals we can compute for it is currently in a bearish state: MACD momentum is negative — these describe past price behaviour, not a forecast | 1 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 6.3% above the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-07-16 and projected forward over today's price, the side traders read as an established uptrend, with the band below acting as the level that would have to give way. The band itself is moderate, spanning 6.2% of the share price. | +6.3% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 16% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $60.73 — a volume-weighted average of daily closes over 157 sessions, not a true tick-by-tick VWAP. | +15.5% |
|---|---|---|
| Vs the average paid since it last reported | the price is 1% below the average price paid since it last reported on 2026-07-30 (its 8-K), so the typical buyer over that stretch is under water. That average is $70.69 — a volume-weighted average of daily closes over 17 sessions, not a true tick-by-tick VWAP. | -0.8% |
Price levels it has turned at before
PFIS last closed at $70.14 on 2026-08-21. Since 2024-08-21 it has turned at 11 prices below its last close and 1 above; the 3 nearest below and the nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $72.89 | Resistance | 3.9% above the last close | turned there twice · 2026-07-29 to 2026-08-13 |
| $66.37 | Support | 5.4% below the last close | turned there twice · 2026-07-23 to 2026-07-31 |
| $59.52 | Support | 15.1% below the last close | turned there four times · 2024-11-26 to 2026-05-07 |
| $57.33 | Support | 18.3% below the last close | turned there three times · 2024-12-17 to 2026-06-03 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
Its recent swings can be read as a five-part downward sequence — what Elliott-wave chartists call an impulse — now in leg 3 of five.
This labelling fails — stops being a possible reading at all — if it closes above $72.41.
This is one of several labellings that fit the same swings, so treat it as a reading rather than the reading. It was chosen from 2 labellings that survived the rules, counting shorter readings of the same bars.
On past moves of this shape the leg has usually ended somewhere between $61.02 and $65.37 — that is where it has tended to end if the count holds, not a forecast of where the price goes.
Alternate reading: The same swings also read as a three-part correction in leg C, which fails on a close above $72.41.
This reading has stood for 2 trading days, since 2026-08-20.
Read from daily closes as of 2026-08-21.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading above the 200-day moving average · in a Bollinger Band volatility squeeze · trendless / choppy (low ADX) · Near the all-time high · beating the market · Stretched far above its 200-day average (6+ daily ranges) | Learn: moving average · golden cross · adx · rsi · breakout · all time high · bollinger bands
Based on daily closing prices as of 2026-08-21. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Consensus ratingHold (3.00 mean, 1=Strong Buy…5=Strong Sell) — 2 analysts
- Mean price target$73.50 range $72.00 – $75.00
Analyst estimates, as of 2026-08-23. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.
Analyst EPS estimate for PFIS
- Consensus EPS estimate$1.74 next reporting period, as of 2026-08-23
Change over time is not available yet: it needs two readings of the same reporting period at least 30 days apart, and we have been recording these estimates since 2026-08-04. An estimate for a DIFFERENT quarter is not a revision, so a reading from before the last report is never compared with one after it.
The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.
Key risks (from latest filing)
["Sensitivity to interest rate changes affecting net interest income and investment portfolio values.","Credit risk exposure related to commercial real estate, construction, and commercial and industrial loan portfolios.","Cybersecurity threats and potential failure of information technology infrastructure."]
What changed in the latest 10-Q
AI-assisted comparison of PFIS's 10-Q filed 2026-05-08 against the prior one filed 2025-11-10.
Management's Discussion & Analysis (MD&A)
- Added:
- Reference to Form 10-K for year ended December 31, 2025 (newer filing, 2026-05-08)
- Specific mention of 'the development and use of artificial intelligence ("AI") in business processes, services, and products; including emerging external focus among regulators and other officials related to risk in connection with the development and use of AI' as a forward-looking risk factor (newer filing, 2026-05-08)
- Reference to March 31, 2026 and December 31, 2025 dates for goodwill carrying value (newer filing, 2026-05-08)
- Reference to qualitative evaluation performed at March 31, 2026 for goodwill impairment testing (newer filing, 2026-05-08)
- Removed:
- Reference to Form 10-K for year ended December 31, 2024 (older filing, 2025-11-10)
- Reference to 'the economic health of our market area' as a specific risk factor (older filing, 2025-11-10)
- Reference to 'future pension plan costs' as a risk factor (older filing, 2025-11-10)
- Reference to 'our ability to retain key personnel' language (older filing, 2025-11-10)
- Extended discussion of geopolitical instability including 'the recent shutdown of the U.S. federal government, the impact on financial markets from geopolitical conflict, including from wars, military conflict or trade policies, including tariffs, or retaliatory tariffs, tariff counter-measures, or the threat of such actions' (older filing, 2025-11-10)
- Reference to 'the effects of any recession in the United States' (older filing, 2025-11-10)
- Reference to 'macroeconomic trends, including interest rates and inflation' (older filing, 2025-11-10)
- Reference to 'our ability to realize the anticipated benefits of the FNCB merger' (older filing, 2025-11-10)
- 'Business Combinations' subsection with discussion of fair value measurement in acquisitions (older filing, 2025-11-10)
- Reference to September 30, 2025 and December 31, 2024 dates for goodwill carrying value (older filing, 2025-11-10)
- Reference to qualitative evaluation performed at September 30, 2025 (older filing, 2025-11-10)
- Reference to Note 2 'Business combination' in the Notes to Consolidated Financial Statements (older filing, 2025-11-10)
- Reworded:
- Forward-looking statements attribution changed from 'Peoples Financial Services Corp. and its subsidiaries' to 'the Company' (newer filing, 2026-05-08)
- Attribution pronouns changed from 'our/we' to 'the Company's/the Company' throughout forward-looking statements section (newer filing, 2026-05-08)
- Risk factor language changed from 'changes in interest rates' to 'changes in interest rates, including their effect on the Company's investment values' (newer filing, 2026-05-08)
- Risk factor changed from 'our ability to attract and retain key personnel' to 'the Company's ability to attract and retain key personnel' (newer filing, 2026-05-08)
- Risk factor changed from 'the strength of our disclosure controls and procedures and internal controls over financial reporting' to 'the strength of the Company's disclosure controls and procedures and internal controls over financial reporting' with added phrase 'potential for errors, omissions or fraud' (newer filing, 2026-05-08)
- Risk factor changed from 'competition from non-bank entities' to 'the Company's ability to compete effectively in the Company's industry and within the Company's market area, including with respect to competition from financial technology companies and non-bank entities' (newer filing, 2026-05-08)
- Risk factor language regarding goodwill changed from 'If a reporting unit's carrying amount exceeds its fair value' to 'If the Company's carrying amount exceeds the fair value of the Company's goodwill' (newer filing, 2026-05-08)
- Goodwill fair value evaluation language changed from 'reduce the Company's fair value below its carrying value' to 'reduce the fair value of the Company's goodwill below its carrying value' (newer filing, 2026-05-08)
- Critical accounting policies reference changed from 'during those reporting periods' to 'during the reporting periods' (newer filing, 2026-05-08)
- Notes:
- The text comparison is limited to the sections provided and does not include analysis of the incomplete 'Review of Financial Position' section that appears truncated in the newer filing
- Both filings contain formatting inconsistencies (spacing in 'Discussio n'), suggesting possible OCR or extraction artifacts
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
No open-market insider purchases or sales are on record for PFIS — recent Form 4 activity was compensation-related (awards, option exercises, or tax withholding), not open-market buying or selling.
View full insider trading history → View SEC Form 3/4/5 filingsOnly open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Institutional ownership (13F)
4 institutional 13F filers reported holding PFIS as of 2026-03-31 (quarter-end position, filed within 45 days).
- Distinct 13F filers 4
- Reported shares held 851,906
- Reported value $45,432,159
reported quarterly holdings change (2025-12-31 → 2026-03-31): 0 new, 0 increased, 4 decreased, 1 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Short interest (FINRA)
PFIS had 229,542 shares of reported short interest as of the 2026-07-31 FINRA settlement date (delayed, bi-monthly; not real-time).
PFIS had 2.29% of its shares outstanding sold short as of the 2026-07-31 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 3.78 days to cover at the same settlement.
- Reported short interest (shares) 229,542
- Short interest (% of shares outstanding) 2.29%
- Prior settlement (shares) 208,639
- Reported change 10.02%
- Days to cover (reported) 3.78
Reported to FINRA as of the 2026-07-31 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- Fulton Financial (FULT)
- Penns Woods Bancorp (PWOD)
- Financial Institutions, Inc. (FISI)
- Tompkins Financial (TMP)
- Community Bank System (CBU)
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
Compare PFIS vs…
PEOPLES FINANCIAL SERVICES CORP is found in…
Frequently asked questions
What does PEOPLES FINANCIAL SERVICES CORP (PFIS) do?
Peoples Financial Services Corp. is a bank holding company that provides a range of financial services primarily through its subsidiary, Peoples Security Bank and Trust Company. The company operates community banking offices across Pennsylvania, New Jersey, and New York, offering services including commercial and consumer lending, deposit products, and trust services.
What sector is PEOPLES FINANCIAL SERVICES CORP (PFIS) in?
PEOPLES FINANCIAL SERVICES CORP (PFIS) is classified in the Financials sector. Its industry is regional banking. It trades on NASDAQ.
Does PFIS pay a dividend?
Yes — PEOPLES FINANCIAL SERVICES CORP (PFIS) pays a dividend, with an indicated yield of about 3.82% and at least 5 years of non-decreasing per-share dividends (SEC EDGAR XBRL) — we do not hold the year before it, so the real streak may be longer (market data, as of 2026-08-24). Informational only — not financial advice.
Who are PEOPLES FINANCIAL SERVICES CORP's (PFIS) competitors?
Notable peers of PEOPLES FINANCIAL SERVICES CORP (PFIS) include Fulton Financial, Penns Woods Bancorp, Financial Institutions, Inc., Tompkins Financial and Community Bank System. This peer set is informational only — not financial advice.
Is PEOPLES FINANCIAL SERVICES CORP (PFIS) overbought or oversold right now?
PEOPLES FINANCIAL SERVICES CORP (PFIS) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 52, in the neutral middle (as of 2026-08-21). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on PFIS come from?
Fundamentals and prices come from market data, as of 2026-08-24; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: market data, as of 2026-08-24. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-08-21.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.