PFIS · Peoples Financial Services Corp.

Track PFIS — free

$70.22 +0.57 (+0.82%) At close · Aug 20

Market Cap

$697.22M

10.01M

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FQ3-26 quarter ends

~Sep 30, 2026 Est

Latest filing: 10-Q

filed Aug 7, 2026

Equibles Rating

blended score · not investment advice

Overall

Buy

SellHoldBuy

Technical Neutral Momentum Very Strong Sentiment Neutral Fundamentals Excellent Quant / Vol Moderate

Market backdrop VIX 14.9 · calm Equity put/call 0.52

Technical

price trend

Neutral

50 / 200-day cross No cross

Price vs 200-day avg +23%

above

Price vs 50-day avg +3%

above

RSI (14) 52

neutral

MACD trend Negative

52-week position 94%

near high

Volume (OBV) Bearish div.

distributing

Momentum

relative strength

Very Strong

1-month return +3%

trailing

6-month return +31%

trailing

YTD return +44%

this year

Relative strength +20%

vs S&P · 6-mo

Sentiment

smart money

Neutral

Trend (MA cross) No cross

50d $68 › 200d $57 — 50d above 200d

Institutional flow Accumulating

+7% holders QoQ · +21 funds added

Insider flow Flat

No net insider activity over 90 days

Short interest Rising

2.29% of float · ▲ +10.0% MoM · 3.8 days cover

Volume signal Normal

Volume near normal

Institution breadth Multi-yr high

122 holders — near 3-yr high, broad support

Squeeze score 59

elevated · 0–100

Fundamentals

Excellent

EPS growth +494%

Y/Y

Free cash flow $43.3M

Valuation P/E 12.3

below peers

Balance sheet $28.0M

net debt

Quant / Vol

risk profile

Moderate

Volatility 26%

annualized · 1-yr

Max drawdown −17%

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

2 · 2 · 3

50 / 200-day cross

No cross Neutral

Price vs 200-day avg

+23% Bullish

Price vs 50-day avg

+3% Bullish

RSI (14)

52 Neutral

MACD trend

Negative Bearish

52-week position

94% Bullish

Volume (OBV)

Bearish div. Bearish

Market signals — smart money & positioning

Bullish · 2 of 6

Trend (MA cross) No cross

50d $68 › 200d $57 — 50d above 200d

Institutional flow Accumulating

+7% holders QoQ · +21 funds added

Insider flow Flat

No net insider activity over 90 days

Short interest Rising

2.29% of float · ▲ +10.0% MoM · 3.8 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 $70 · 94% Range high $72

vs 200-day avg +23% vs 50-day avg +3%

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
Allowance for credit losses to loans, net	0.98%	Three Months Ended June 30, 2026	—
Brokered deposits as percentage of total deposits	2.5%	March 31, 2026	—
Core net income non-GAAP	$2.91	Six Months Ended June 30, 2026	—

Core return on average assets non-GAAP	1.13%	Six Months Ended June 30, 2026	—
Core return on average stockholders' equity non-GAAP	11.03%	Six Months Ended June 30, 2026	—

Core return on average tangible stockholders' equity non-GAAP	13.64%	Six Months Ended June 30, 2026	—

Cost of funds	2.41%	Six Months Ended June 30, 2026	—

Cost of interest-bearing deposits	2.15%	six months ended June 30, 2026	—

Efficiency ratio non-GAAP	56.1%	Six Months Ended June 30, 2026	—

Net charge-offs to average loans, net	0.06%	Six Months Ended June 30, 2026	—

Net interest income adjusted to FTE (non-GAAP) non-GAAP	$90.23M	Six Months Ended June 30, 2026	—
Net interest margin	3.82%	Three Months Ended June 30, 2026	—
Net interest margin (FTE) non-GAAP	3.75%	Six Months Ended June 30, 2026	—

Nonperforming assets to loans, net, and foreclosed assets	0.34%	Three Months Ended June 30, 2026	—
Number of full-service community banking offices	40	June 30, 2026	—
Tangible book value non-GAAP	$42.29	March 31, 2026	—
Uninsured deposits as percentage of total deposits	34.5%	March 31, 2026	—
Non-performing assets as a percentage of total assets	0.23%	at March 31, 2026	—
Non-performing assets to total loans, net and foreclosed assets	0.29%	at March 31, 2026	—
Core ROAA non-GAAP	1.21%	year ended December 31, 2025	—
Core ROAE non-GAAP	12.27%	year ended December 31, 2025	—
Non-performing assets to total assets	0.23%	at December 31, 2025	—
Tangible book value per common share non-GAAP	$41.64	at December 31, 2025	—

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

Open screener →

Company	Mkt cap	YTD	Rev growth Y/Y	P/E	Short % shares
PFIS Peoples Financial Services Corp. this stock	$697.22M	+44.2%	—	12.3	2.3%
MFG Mizuho Financial Group Inc	$123.19B	+38.4%	—	—	0.1%
HDB Hdfc Bank Ltd	$118.97B	-36.1%	+15.2%	—	0.5%
IBN Icici Bank Ltd	$105.45B	-0.4%	—	—	0.5%
CIXPF CaixaBank/ADR	$100.59B	+18.7%	—	—	0.1%

Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding

At a glance

key data from every section

Ownership

Institutional Holders Accumulating

Holders

122

% held: 35.5%
Net QoQ: +413.2K sh
Top holder: BlackRock, Inc.

Held Float

View

Held by Funds

Fund positions

163

View

Short & Settlement

Short Interest Rising

Shares short

229.5K

Days to cover: 3.8d
Change: +20.9K sh

View

Short Volume

Short vol %

75%

As of: Aug 20, 2026

Short Total

View

Fails to Deliver

FTD shares

464

Value: $33.3K
As of: Jul 30, 2026

View

Off-Exchange

Off-exchange %

29.3%

Week of: Jul 13, 2026

Off-exch Lit

View

Financials

Net income (FY)

$59.2M

EPS diluted: $5.88

View

Filings

SEC Filings

Latest

8-K

Filed: Aug 19, 2026
This year: 13

View

Exempt Offerings

Offering

$85.0M

Filed: Jun 20, 2025

View

Earnings & Events

Earnings Calls

Last call

Mar 16, 2026

View

Investor Relations

Performance

	5D	20D	120D	MTD	YTD
PFIS	-1.9%	+3.3%	+31.0%	-0.2%	+44.2%
SPY	-2.0%	+3.3%	+11.2%	+2.1%	+11.8%
vs SPY	+0.0%	-0.1%	+19.8%	-2.3%	+32.3%

Capital returns

Latest dividend

$0.625 / share · ex May 29, 2026

Declared · upcoming

$0.625 / share · ex Aug 31, 2026

Raised 1.1%

Paid (TTM)

$2.486 / share · 4 payouts

Dividend yield (TTM, derived)

3.54%

Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.

Key facts CIK 1056943 CUSIP 711040105 13F (30d) 109 filings 109 filers Visit website Investor relations

PFIS · Peoples Financial Services Corp.

Price & Indicators

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Equibles Rating

Technicals

Key metrics

Versus peers

At a glance

Performance

Capital returns