US · PFIS
Peoples Financial Services Corp.
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Scranton, PA 18503
- Website
- psbt.com
Price · as of 2025-12-31
$56.71
Market cap 535.71M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $143.95 | +153.84% |
| Intrinsic Value(DCF) | $71.08 | +25.34% |
| Graham-Dodd Method(GD) | $74.02 | +30.53% |
| Graham Formula(GF) | $173.90 | +206.65% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $18.05 | $29.27 | $398.77 | $9.50 | $232.31 |
| 2012 | $21.19 | $42.11 | $39.88 | $17.11 | $6.12 |
| 2013 | $26.35 | $13.72 | $54.26 | $25.51 | $10.75 |
| 2014 | $27.48 | $57.75 | $351.86 | $17.39 | $164.37 |
| 2015 | $26.07 | $21.51 | $40.53 | $17.86 | $16.46 |
| 2016 | $28.76 | $31.36 | $34.13 | $20.77 | $40.77 |
| 2017 | $34.17 | $34.55 | $35.28 | $20.84 | $41.30 |
| 2018 | $32.76 | $32.51 | $37.41 | $26.35 | $60.25 |
| 2019 | $33.41 | $34.62 | $38.52 | $28.72 | $62.92 |
| 2020 | $38.85 | $31.27 | $43.47 | $33.20 | $40.36 |
| 2021 | $40.87 | $32.69 | $54.22 | $45.99 | $32.82 |
| 2022 | $41.28 | $39.25 | $60.68 | $38.02 | $118.43 |
| 2023 | $37.48 | $36.96 | $49.23 | $33.63 | $151.43 |
| 2024 | $44.67 | $32.95 | $83.38 | $19.23 | $46.40 |
| 2025 | $54.31 | $143.95 | $717.96 | $74.02 | $173.90 |
AI valuation
Our deep-learning model estimates Peoples Financial Services Corp.'s (PFIS) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $143.95
- Current price
- $56.71
- AI upside
- +153.84%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$71.08
+25.34% upside
Graham-Dodd
$74.02
+30.53% upside
Graham Formula
$173.90
+206.65% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| PFIS | Peoples Financial Service… | $56.71 | 535.71M | +154% | +25% | +31% | +207% | 9.17 | 1.04 | 1.93 | 11.09 | 1.86 | 1.30 | 66.60% | 25.71% | 21.07% | 11.97% | 10.96% | 1.14% | 0.50 | 0.77 | 0.09 | 0.00 | 3.58 | 49394.00% | 2226.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 11.09 | — | 2.85 | -0.44 |
| ACNB | ACNB Corporation | $50.40 | 523.39M | -9% | +40% | -40% | +68% | 10.70 | 1.12 | 2.58 | 12.65 | 1984.13 | 1.36 | 84.05% | 30.58% | 24.09% | 10.97% | 12.09% | 1.32% | 0.90 | 1.69 | 0.04 | 0.04 | 5.22 | 54.00% | 1520.00% | -155.00% | 11.40% | 0.02 | 14.73% | 3.15% | 33.60% | 3.22% | 13.60 | 14.16 | 4.16 | -0.53 |
| AROW | Arrow Financial Corporati… | $33.31 | 547.7M | -29% | -8% | -55% | +27% | 14.30 | 1.06 | 1.91 | -3.72 | — | 1.13 | 60.35% | 16.75% | 13.32% | 7.61% | -15.97% | 0.70% | 0.08 | 0.45 | 0.16 | 0.16 | -2.83 | 0.00% | 1637.00% | 11388.00% | 6.79% | 0.01 | -15.52% | 4.30% | 61.60% | 17.66% | -4.26 | -5.51 | -0.71 | -0.72 |
| BWB | Bridgewater Bancshares, I… | $18.28 | 507.45M | +168% | -11% | +9% | +21% | 11.72 | 0.84 | 1.53 | 4.76 | — | 0.88 | 41.45% | 17.00% | 13.05% | 7.43% | 16.56% | 0.68% | 0.99 | 0.30 | 0.17 | 0.17 | 4.78 | -1890.00% | 1079.00% | 5639.00% | 10.99% | 0.01 | 21.34% | 1.05% | 12.40% | 19.53% | 5.10 | 5.15 | 0.87 | -0.59 |
| CBNK | Capital Bancorp, Inc. | $29.41 | 485.88M | +97% | -12% | -4% | +78% | 13.18 | 1.15 | 1.68 | 3.05 | — | 1.28 | 68.36% | 17.27% | 12.78% | 10.15% | 25.08% | 1.14% | 0.10 | 0.71 | 0.12 | 0.12 | -3.89 | -1686.00% | 1730.00% | -2760.00% | 8.03% | 0.01 | 26.53% | 1.29% | 17.00% | 42.49% | 3.21 | 4.09 | 0.55 | -0.61 |
| COFS | ChoiceOne Financial Servi… | $28.62 | 429.98M | +208% | +2,084% | +19% | +218% | 14.56 | 0.88 | 2.13 | 2.37 | — | 1.35 | 58.16% | 17.72% | 14.61% | 7.76% | 176.97% | 0.79% | 0.67 | 0.52 | 0.71 | 0.71 | 6.59 | -3815.00% | 3867.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 2.37 | — | 0.42 | 0.09 |
| FBIZ | First Business Financial … | $54.65 | 454.98M | +15% | +74% | +37% | +61% | 8.90 | 1.21 | 1.60 | 10.93 | 53.84 | 1.25 | 57.29% | 21.65% | 18.02% | 14.37% | 13.57% | 1.27% | 0.68 | 0.55 | 0.31 | 26.62 | 3.52 | 1654.00% | 643.00% | 669.00% | 13.64% | 0.49 | 16.48% | 0.00% | 0.00% | 0.00% | 10.93 | 10.81 | 2.37 | 0.27 |
| NFBK | Northfield Bancorp, Inc. | $13.34 | 557.13M | +208% | -6% | +30% | — | 675.84 | 0.78 | 2.92 | 2.32 | — | 0.78 | 35.34% | 9.25% | 0.43% | 0.11% | 2.82% | 0.01% | 1.48 | 0.15 | 0.59 | 0.59 | 17.38 | -9725.00% | -2669.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 7.90 | — | 0.73 | -0.10 |
| PGC | Peapack-Gladstone Financi… | $33.49 | 588.02M | +1% | -4% | +15% | -13% | 16.16 | 0.88 | 1.32 | 5.44 | — | 0.95 | 53.76% | 11.16% | 8.19% | 5.55% | 8.90% | 0.49% | 0.29 | 0.25 | 0.08 | 0.08 | -4.29 | -3173.00% | 780.00% | -568.00% | 11.82% | 0.01 | 16.99% | 0.66% | 10.70% | 110.74% | 6.01 | 4.28 | 0.67 | -0.77 |
| RRBI | Red River Bancshares, Inc… | $88.70 | 599.31M | +112% | +7% | -3% | +17% | 13.98 | 1.64 | 3.52 | -1.38 | 48.40 | 1.64 | 72.55% | 31.28% | 25.18% | 12.49% | -31.62% | 1.32% | 0.00 | 1.20 | 443.09 | 443.09 | -0.45 | 2889.00% | 834.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | -1.38 | — | -0.43 | 0.63 |
| UNTY | Unity Bancorp, Inc. | $53.19 | 534M | -6% | +19% | -20% | +24% | 10.23 | 1.43 | 2.60 | 8.06 | 178.61 | 1.44 | 62.55% | 33.35% | 25.42% | 14.88% | 12.34% | 1.58% | 0.78 | 0.95 | 0.10 | 0.10 | 0.88 | 573.00% | 819.00% | 292.00% | 11.15% | 0.02 | 14.07% | 1.18% | 12.10% | 31.32% | 8.44 | 9.71 | 2.81 | -0.50 |
About Peoples Financial Services Corp.
Peoples Financial Services Corp. operates as the bank holding company for Peoples Security Bank and Trust Company that provides various commercial and retail banking services. The company accepts money market, NOW, 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, working capital, construction, small business administration, and agricultural loans, as well as loans for equipment and other commercial needs, and mineral rights. In addition, the company offers 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 investment portfolio management, estate and business succession planning, annuities, insurance, retirement plan, and tax planning, as well as education funding strategies; and securities and brokerage, and investor services. Additionally, the company offers small business checking and merchant money market accounts, online and telephone banking, business credit cards, merchant line of credit, and financial checkup services; and 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 through 28 full-service community banking offices located in Allegheny, Bucks, Lackawanna, Lebanon, Lehigh, Luzerne, Monroe, Montgomery, Northampton, Susquehanna, and Wyoming Counties of Pennsylvania; Middlesex County of New Jersey; and Broome County of New York. The company was founded in 1905 and is headquartered in Scranton, Pennsylvania.
- CEO
- Gerard A. Champi
- Employees
- 511
- Beta
- 0.77
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($71.08 ÷ $56.71) − 1 = +25.34% (DCF, example).