PFIS · Peoples Financial Services Corp.
$69.60
+0.31 (+0.45%)
At close · Oct 5
Return incl. dividend (before tax)
Market Cap
$698.76M
Shares
10.01M
Volume · Oct 5
16.64K
Avg daily vol (3M)
59.46K
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$69.29
Open$68.93
Day$68.59–69.65
52W close$44.54–72.05
Avg vol 30d56K
Short int246K · 2.5% float · 4.9d
Short vol61%
Last earningsJul 19, 2023
DataJan 2020–Oct 2026
Filing10-Q · Aug 7
Up next
filed Aug 7, 2026
Metrics snapshot
Useful current figures from the complete screener profile.
Revenue (TTM)
$195.34M
Trailing 12 months
Net income (TTM)
$56.77M
Trailing 12 months
Revenue growth YoY
+7.6%
Year over year
Operating margin
—
Trailing 12 months
P / E (TTM)
12.2
Trailing earnings · reciprocal yield 8.2%
FCF yield
6.4%
TTM · current market cap
Return on invested capital
—
Trailing 12 months
Net cash
—
Latest balance sheet
Dividend yield
—
Trailing 12 months
Shares change YoY
-0.5%
Year over year · fewer shares
Price change (1Y)
+45.5%
Trailing year
Short interest
2.5%
Latest settlement · 4.9 days to cover
Equibles Rating
blended score · not investment adviceOverall
Buy
SellHoldBuy
Technical
Neutral
Momentum
Strong
Sentiment
Bullish
Fundamentals
Strong
Quant / Vol
Low
Market backdrop
VIX 15.3 · calm
Equity put/call 0.58
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+15%
above
Price vs 50-day avg
−2%
below
RSI (14)
48
neutral
MACD trend
Negative
52-week position
90%
near high
Volume (OBV)
Confirms
volume backs price
Momentum
relative strength
1-month return
−2%
trailing
6-month return
+20%
trailing
YTD return
+42%
this year
Relative strength
+8%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $70 › 200d $60 — 50d above 200d
Institutional flow
Flat
1 of 122 funds reported for Sep 30 · net 0 sh shares
Insider flow
Flat
No net insider activity over 90 days
Short interest
Falling
2.46% of float · ▼ -3.0% MoM · 4.9 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
122 holders — near 3-yr high, broad support
Squeeze score
63
elevated · 0–100
Fundamentals
EPS growth
+494%
Y/Y
Free cash flow
$43.3M
Valuation
P/E 12.3
in line
Balance sheet
$1.6M
net debt
Quant / Vol
risk profile
Volatility
25%
annualized · 1-yr
Max drawdown
−11%
past year
ATR
2.5%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Technicals
trend & momentum for long-term holders Neutral
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+15%
Bullish
Price vs 50-day avg
−2%
Neutral
RSI (14)
48
Neutral
MACD trend
Negative
Bearish
52-week position
90%
Bullish
Volume (OBV)
Confirms
Neutral
Market signals — smart money & positioning
Bullish · 2 of 6
Trend (MA cross)
No cross
50d $70 › 200d $60 — 50d above 200d
Institutional flow
Flat
1 of 122 funds reported for Sep 30 · net 0 sh shares
Insider flow
Flat
No net insider activity over 90 days
Short interest
Falling
2.46% of float · ▼ -3.0% MoM · 4.9 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
122 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $45
Now $69 · 90%
Range high $72
vs 200-day avg +15%
vs 50-day avg -2%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Efficiency ratio (non-GAAP) non-GAAP | 55.16% | Three Months Ended June 30, 2026 filing | — |
| FTE net interest margin non-GAAP | 3.82% | Three Months Ended June 30, 2026 filing | — |
| FTE net interest spread non-GAAP | 3.24% | Three Months Ended June 30, 2026 filing | — |
| Net interest income adjusted to FTE non-GAAP | $46.51M | Three Months Ended June 30, 2026 filing | — |
GAAP → non-GAAP reconciliationGAAP Interest income adjusted to FTE 68.66M
-22.15M Interest expense
= Net interest income adjusted to FTE 46.51M
|
|||
| Net interest margin non-GAAP | 3.82% | Three months ended June 30, 2026 filing | — |
| Noninterest expense adjusted non-GAAP | $29.09M | Three Months Ended June 30, 2026 filing | — |
GAAP → non-GAAP reconciliationGAAP Noninterest expense (GAAP) 30.61M
-1.52M Less: amortization of intangible assets expense
= Noninterest expense adjusted 29.09M
|
|||
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
PFIS
this stock
Peoples Financial Services Corp.
|
$698.76M | +42.3% | — | 12.3 | 2.5% |
|
MFG
Mizuho Financial Group Inc
|
$133.98B | +48.8% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$118.26B | -38.9% | -3.2% | — | 0.7% |
|
CIXPF
CaixaBank/ADR
|
$103.83B | +26.7% | — | — | 0.1% |
|
IBN
Icici Bank Ltd
|
$100.21B | -7.9% | — | — | 0.6% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Financials
Filings
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| PFIS | -0.7% | -2.3% | +20.1% | +2.9% | +42.3% |
| SPY | -0.2% | -0.5% | +12.2% | +0.9% | +12.9% |
| vs SPY | -0.5% | -1.8% | +7.9% | +2.0% | +29.4% |