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Peoples Fin (PFIS) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of Peoples Fin stock $50.64, price $72.24, that is 29.9% below the price, quality 46 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services US

PF Peoples Fin logo Broad data Nov 4, 2026

Peoples Fin

PFIS · US
Expensive, weak quality

Our calculation puts a fair price 30% below what the stock costs today.

Healthy Growth (revenue 5y +20.5 %/yr in USD)
Highly profitable · 29.8% net margin (TTM)
3.4% dividend yield · Low payout
Broad data
Quality 46/100
Moderate moat 64/100 · thin data
Insiders sold $44,322 (6M)
Fair value $50.64 · Overvalued (−29.9%)
Trails peers (5/15)
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$74.92 $30.69 Fair Value $50.64 Aug 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 4, 2026.

How to read this chart

60‑month range $30.69 – $74.92 · fair‑value band $45.31 – $63.64 · the $72.24 price screens above the $50.64 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 4, 2026.

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Company profile

Peoples Financial Services Corp. operates as the bank holding company for Peoples Security Bank and Trust Company that provides commercial and retail banking services in Pennsylvania, New Jersey and New York.

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The company accepts deposits through money market, negotiable order of withdrawal, savings, individual retirement, demand deposit, and certificates of deposit accounts.

It also provides residential real estate, automobile, manufactured housing, personal, and home equity loans; and commercial real estate and working capital, as well as loans for equipment and other commercial needs.

In addition, the company offers fiduciary and investment services, including investment management, IRA trustee, estate administration, living and life insurance trust, trustee under will, guardianship, custodial/IRA custodial, and corporate trust services, as well as pension and profit-sharing plans.

Further, it provides wealth management products and services comprising investment portfolio management, estate and business succession planning, annuities, insurance, retirement plan, and tax planning, as well as education funding strategies; and securities, brokerage, and investor services.

Additionally, the company offers remote deposit capture, automatic clearing house transaction, cash management, automated teller machine, point of sale transaction, safe deposit box, night depository, direct deposit, and official check services.

It serves business, non-profit, governmental, municipal agency, and professional customers, as well as retail customers. The company was founded in 1905 and is headquartered in Moosic, Pennsylvania.

Stock analysis

Peoples Fin (PFIS) currently trades at $72.24, while our model-based Fair Value estimate is $50.64, 30% below the price, so the stock looks overvalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of $67.53 per share, and 1 of the 6 models we run sit above the $72.24 price.

Bear case: the Asset-Based group reads lowest at $27.85, and 5 of the 6 models stay below the price. Data coverage for this calculation is high.

Scenario range: $45.31 (bear) to $63.64 (bull), the price of $72.24 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 46/100 (below-average quality), in the Financial Services sector.

Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.

Peoples Fin reported revenue of $281M in FY2025 versus $108M in FY2021, a compound +27.1%/yr. Reported net income was $59.2M in FY2025, compounding +8.0%/yr from FY2021.

Key figures

Market cap $725M Small · P/E ratio 12.8 · P/S ratio 3.80 · EPS (TTM) $5.65 · Dividend yield 3.4% · Net margin 29.8% · Return on equity 11.0% · Return on assets (EBIT) 1.1% (5-year average).

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 64 out of 100 (low confidence).

What moves the price

The share trades about 4% below its 52-week high and 63% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −30%, PFIS screens richer than that median.

Fair Value models

Bear $45.31 Fair Value $50.64 Bull $63.64
Price $72.24 · Downside -29.9%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($2.71 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income $45.31 $50.64 $63.64 76
Gordon GGM $19.91 $37.00 $52.33 67
DDM Multi-Stage $19.91 $33.25 $39.39 67
All 6 models by family
Dividend Discount
Gordon GGM $19.91 $37.00 $52.33 67
DDM Multi-Stage $19.91 $33.25 $39.39 67
Multiples
P/E Multiple $57.65 $76.86 $96.08 63
P/B Multiple $43.65 $58.20 $72.75 55
Asset-Based
NCAV (Graham) $20.79 $27.85 $41.57 54
Economic Profit
Residual Income $45.31 $50.64 $63.64 76

Open the full fair value analysis →

Quality Score breakdown

Overall quality 46/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 33
How much profit the company makes from its sales and capital
Quality Growth 81
Are margins and returns getting better?
Cashflow 60
Do the profits arrive as real cash?
Financial strength 4
Debt, balance sheet and risk of trouble
Investment 43
Does it invest with discipline instead of growing at any price?
Low Volatility 80
How calm the share price moves, does not count
Price momentum 73
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 96
Distance to the 52-week high, does not count
New shares 42
Buys back shares or issues new ones?

Open the full quality analysis →

Insider trades

In the last 6 months, one officer or director sold shares worth $44,322 and none bought.

  • SaleJames P ChiaroEVP/CHIEF INV SERVICES OFFICER605 shares at $73.26$44,322Nov 4, 2026

Plus 4 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.

Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.

Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 95/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+22.3%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+31.5%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+20.5%
Start year 2020 (pandemic). Over 10 years: +14.0% a year
Revenue growth 28 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+13.0%
What shareholders gained per year (last 5 years) (mathematically smoothed) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip.
+2.0%
Earnings growth per share plus dividend.
Earnings per share, growth per year−1.4%
Dividend (yield on the price)3.4%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.8.0% vs 9.6%, steady
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.31% → 26%
2025 sits 53% above its own trend. The rate follows the median trend of the last 5 years, not that single year.
Pace: the 5-year rate starts in 2020 (pandemic)

PFIS screens overvalued: fair value 30% below the price. Compare with China Merchants Bank Co →

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 998 stocks

Beats the industry median on 5/15 measures
Overall it trails its industry peers.
Valuation
Quality Score 46 · Bottom 25%
Fair Value upside −29.9% · Below median
Profitability
Return on equity (12 months) 11.0% · Above median
Return on assets 1.1% · Above median
Net margin (12 months) 29.8% · Below median
Operating margin (12 months) 42.1% · Above median
Growth and dividend
Revenue growth (quarter YoY) 0.7% · Bottom 25%
Dividend yield (12 months) 3.4% · Above median
Balance sheet
Debt / equity 0.43× · Above median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 12.8× · Pricier than median
P/B 1.39× · Pricier than median
P/S (12 months) 3.80× · Pricier than median
Price / free cash flow (fiscal year) 16.7× · Priciest 25%
EV/EBITDA 10.8× · Pricier than median
PEG 1.31× · Cheaper than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 8
FUTURE (revenue growth)4 · sector 47
PAST (return on equity)44 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)69 · sector 53

VALUE 0: the price sits above our fair-value range.

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Postal Savings Bank of China Co 601658 ¥5.53 ¥7.59 +37% vs PFIS
China Merchants Bank Co 600036 ¥42.88 ¥52.73 +23% vs PFIS
BNP Paribas SA BNP €91.93 €106.01 +15% vs PFIS
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs PFIS
State Bank of India SBIN ₹1,019 ₹736.65 −28% vs PFIS
UniCredit S.p.A UCG €76.80 €50.44 −34% vs PFIS
Mizuho Financial Group MFG $9.40 $5.90 −37% vs PFIS
DBS Group D05 69.72 SGD 40.39 SGD −42% vs PFIS
HDFC Bank Limited HDFCBANK ₹788.25 ₹406.39 −48% vs PFIS
ICICI Bank Limited ICICIBANK ₹1,571 ₹615.63 −61% vs PFIS

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Peoples Fin: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Peoples Fin Fair Value". https://www.fairvalue-calculator.com/stock/PFIS

Frequently asked questions

Is Peoples Fin (PFIS) overvalued or undervalued?
As of Nov 4, 2026, our model estimates a fair value of $50.64 versus a price of $72.24, about 30% lower (overvalued).
What is the fair value of PFIS?
Our model-based fair value for Peoples Fin is $50.64 (as of Nov 4, 2026), built from audited fundamentals. The current price: $72.24.
What is the quality score of PFIS?
Peoples Fin has a Quality Score of 46/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Peoples Fin (PFIS)?
Our model-based price target is the fair value of $50.64 (as of Nov 4, 2026) from 6 valuation models. Cautious scenario $45.31, optimistic scenario $63.64. It is a calculation from audited fundamentals, not an analyst target.
What is the Peoples Fin stock forecast for 2026?
Our models put fair value at $50.64, about 30% lower versus a price of $72.24 (overvalued). Cautious scenario $45.31, optimistic scenario $63.64. The calculation is refreshed regularly with new filings.
What is the revenue of Peoples Fin (PFIS)?
Peoples Fin reported trailing-twelve-month revenue of about $191M (latest available figure, as of Nov 4, 2026).
Does Peoples Fin pay a dividend?
Peoples Fin currently shows a dividend yield of 3.44% relative to its recent price (as of Nov 4, 2026).
How much is the dividend of Peoples Fin (PFIS) and when is the ex-dividend date?
Peoples Fin pays a dividend of $2.49 per share a year, a dividend yield of 3.4%. The next ex-dividend date is Nov 30, 2026, with payment on Dec 15, 2026. A dividend has been paid every year since at least 2002. The payout ratio is 44.0% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.
What is the intrinsic value of Peoples Fin (PFIS)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Peoples Fin it is $50.64 per share (as of Nov 4, 2026), against a price of $72.24. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Peoples Fin stock overvalued or undervalued in 2026?
As of Nov 4, 2026, PFIS trades above its calculated fair value: price $72.24, fair value $50.64, a gap of about −30% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of PFIS?
No. The price is what the market pays today ($72.24); the fair value is what the company's own numbers justify ($50.64). For Peoples Fin the two are $21.60 per share apart. That gap is exactly why we show both numbers side by side.
How much is Peoples Fin worth?
The market values Peoples Fin at about $725M (market capitalisation, as of Nov 4, 2026). Per share that is $72.24; our models calculate a fair value of $50.64 per share.
What do the bullish and bearish scenarios say about PFIS?
Our models span a range for Peoples Fin: cautious scenario $45.31, base $50.64, optimistic $63.64 per share (as of Nov 4, 2026, price $72.24). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of PFIS?
Peoples Fin trades at a price-to-earnings ratio of 12.8 (as of Nov 4, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $50.64 is built from several models across several years. Median P/E at fiscal year-end, 10 fiscal years (2016 to 2025), reported earnings, FY2017, FY2023, FY2024 ex one-offs: 11.6. Other multiples: PEG 1.3, P/B 1.4, P/S 3.8, EV/EBITDA 10.8.
What is the PEG ratio of PFIS?
The PEG ratio of Peoples Fin is 1.31 (P/E divided by earnings growth, as of Nov 4, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of Peoples Fin (PFIS)?
Balance-sheet figures for Peoples Fin (as of Nov 4, 2026): return on equity 11.0%, debt of 0.43 per unit of equity. They feed the Quality Score of 46/100, which measures business quality independently of the share price.
How far is PFIS from its 52-week high?
Peoples Fin trades at $72.24, about 4% below its 52-week high of $74.92 and 63% above the low of $44.41 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $50.64 is for.
Which stocks are comparable to Peoples Fin?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Peoples Fin stock attractive at the current price?
The data as of Nov 4, 2026: price $72.24, calculated fair value $50.64 (−30%), Quality Score 46/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of PFIS calculated?
We run Peoples Fin through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $50.64 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.0% above its aggregate fair value. Peoples Fin itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Peoples Fin (PFIS)?
The closing price on Nov 6, 2026 was $72.24. Our model-based fair value is $50.64, about 30% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Peoples Fin right now?
The price sits above even our optimistic bull case ($63.64). The favourable scenario is already priced in. Weak quality (46/100) and above fair value at the same time, the margin of safety is missing on both counts. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of Peoples Fin (PFIS) come from?
Earnings per share at Peoples Fin grew +4.7 % a year from 2014 to 2025. Broken into its drivers: revenue per share +10.7 %, EBIT margin −6.2 %, tax rate +0.7 %, residual (interest, one-offs) +0.0 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.

Key figures of Peoples Fin

How large is the market capitalisation of Peoples Fin (PFIS)?
The market capitalisation of Peoples Fin is $725M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Peoples Fin (PFIS)?
The price-to-sales ratio of Peoples Fin is 3.80 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Peoples Fin (PFIS)?
Earnings per share at Peoples Fin are $5.65 (price ÷ EPS = P/E 12.8). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Peoples Fin (PFIS)?
The dividend yield of Peoples Fin is 3.4% (payout 44.0%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Peoples Fin (PFIS)?
The net margin of Peoples Fin is 29.8% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Peoples Fin (PFIS)?
The return on equity (ROE) of Peoples Fin is 11.0% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Peoples Fin (PFIS)?
On an EBIT basis the return on assets of Peoples Fin is 1.1% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Peoples Fin (PFIS)?
The operating margin of Peoples Fin is 42.1% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Peoples Fin (PFIS)?
Revenue at Peoples Fin is growing +0.7% versus a year earlier (3y avg +31.5%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Peoples Fin (PFIS)?
Earnings per share at Peoples Fin are growing −12.0% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Peoples Fin (PFIS) generate?
The free cash flow of Peoples Fin is $43.3M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Peoples Fin (PFIS) carry?
The net debt of Peoples Fin is $200M (fiscal year 2025, ≈ 4.6 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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