NASDAQ · PFIS

Peoples Financial Services Corp.

Financial Services · Banks - Regional

$71.37▲ 0.98% ($0.69)at close

Pre-market$71.63▲ 0.36%4:10 AM ET

52-week

$43.64

Valuation

P/E Valuation

Estimated value / share · Base

$54.08

−24%

−24%vs price used $71.37

USD · Trailing earnings · Price Oct 26, 8:00 PM UTC

Price vs. estimate range

Assumption scenarios, not confidence intervals

P/E multiple: 9.6×
Earnings basis: Trailing EPS

USD · Trailing earnings · Price Oct 26, 8:00 PM UTC

P/E scenarios apply a multiple to trailing EPS. They are not editable; choose Bear, Base or Bull above.

Current P/E

12.6×

Market multiple

Fair-value P/E

9.6×

5-Year Avg P/E

Fair value / share

$54.08

P/E based estimate

Price vs Fundamentals

Why The Stock Is Moving

Fundamentals are supporting the moveHigh confidence

1Y Price: 49.31%Income (TTM): 16.01%P/E: 54th pct

What changed

The stock rose 49.31% over the last year. Income grew 16.01% over the trailing twelve months. Operating margin moved from 23.99% to 36.85%.

What the market seems to be pricing

The stock move broadly lines up with stronger business momentum, and the shares are still only around the 54th percentile of their historical P/E range.

What would invalidate this read

Operating margin is at 36.85%. Income grew 16.01% — this thesis depends on that trajectory holding. If income growth or margins roll over while the stock keeps climbing, more of the move would be coming from multiple expansion than business progress.

Return analysis

Company profile

Peoples Financial Services Corp. functions as the holding company for Peoples Security Bank and Trust Company, delivering a comprehensive suite of commercial and retail banking solutions.

CEOGerard A. Champi

SectorFinancial Services

IndustryBanks - Regional

Employees547

IPO dateJun 5, 2002

https://www.psbt.com

Market multiples

Forward P/E—

EV/EBITDA (FY2025 year-end)8.29

Enterprise value (FY2025 year-end)$686.8M

Price / Book (Jun 2026 quarter-end)1.33

Stock splits

May 16, 2003↑ Forward

Every 2 shares became 3

+50%

Profitability & growth

Standard profitability metrics can be misleading for financial/insurance companies. GAAP requires unrealized investment gains/losses in net income (affecting ROE), and margins are blended across diverse business segments.

Income growth (Q2 FY26 YoY)0.72%

Gross margin (TTM)N/A

Operating margin (FY2025)38.6%▲31.3ppvs FY2024

ROE (TTM to Jun 2026)11.02%▼1.0ppvs FY2025

Analyst consensus

RatingHold

Target price$56.00▼21.54%

Buy

Hold

Sell

Analyst ratings tend to be lagging indicators. Use as one signal among many.

Earnings

Actuals vs estimates by quarter, or any quarter against the same one a year earlier.

Next report

Oct 29, 2026

Q3 FY26 · EPS est $1.71 · Revenue est $53.8M

Same quarter, year over year

FY26 YTD -9.1%

Each cell vs the same quarter a year earlier (the cell below) · Q1–Q2 combined $2.91 vs $3.20 · 0 of 2 quarters up

FY total

FY26

—

FY25

$6.07+61.0%

FY24

$3.77—

FY23

—

Fiscal year totals

FY25: $6.07; +61.0%
FY24: $3.77; —

SlowerFaster growth(darkest from 56%)

BeatMissIn lineYear-ago cell

Q2 FY26

Reported Jul 30, 2026 · Latest

HoverTap a cell to inspect

Actual

$1.48

Miss by 9.8%

Estimate

$1.64

Street consensus

Year over year

-12.4%

vs Q2 FY25 · $1.69

Vs prior quarter

+3.5%

vs Q1 FY26 · $1.43

Price range $54.21-$67.03 · daily closes Apr 1-Jun 30

Implied at 12.3x street P/E $71.37 · street TTM EPS × current multiple

Institutional Sentiment

Peoples Financial Services Corp. · PFIS

From Form 13F filings (managers with $100M+). Filings land up to 45 days after quarter end — read this as positioning context, not live fund flow.

NASDAQ · PFIS

Peoples Financial Services Corp.

Financial Services · Banks - Regional

$71.37▲ 0.98% ($0.69)at close

Pre-market$71.63▲ 0.36%4:10 AM ET

52-week

$43.64

Valuation

P/E Valuation

Estimated value / share · Base

$54.08

−24%

−24%vs price used $71.37

USD · Trailing earnings · Price Oct 26, 8:00 PM UTC

Price vs. estimate range

Assumption scenarios, not confidence intervals

P/E multiple: 9.6×
Earnings basis: Trailing EPS

USD · Trailing earnings · Price Oct 26, 8:00 PM UTC

P/E scenarios apply a multiple to trailing EPS. They are not editable; choose Bear, Base or Bull above.

Current P/E

12.6×

Market multiple

Fair-value P/E

9.6×

5-Year Avg P/E

Fair value / share

$54.08

P/E based estimate

Price vs Fundamentals

Why The Stock Is Moving

Fundamentals are supporting the moveHigh confidence

1Y Price: 49.31%Income (TTM): 16.01%P/E: 54th pct

What changed

The stock rose 49.31% over the last year. Income grew 16.01% over the trailing twelve months. Operating margin moved from 23.99% to 36.85%.

What the market seems to be pricing

The stock move broadly lines up with stronger business momentum, and the shares are still only around the 54th percentile of their historical P/E range.

What would invalidate this read

Return analysis

Company profile

Peoples Financial Services Corp. functions as the holding company for Peoples Security Bank and Trust Company, delivering a comprehensive suite of commercial and retail banking solutions.

CEOGerard A. Champi

SectorFinancial Services

IndustryBanks - Regional

Employees547

IPO dateJun 5, 2002

https://www.psbt.com

Market multiples

Forward P/E—

EV/EBITDA (FY2025 year-end)8.29

Enterprise value (FY2025 year-end)$686.8M

Price / Book (Jun 2026 quarter-end)1.33

Stock splits

May 16, 2003↑ Forward

Every 2 shares became 3

+50%

Profitability & growth

Income growth (Q2 FY26 YoY)0.72%

Gross margin (TTM)N/A

Operating margin (FY2025)38.6%▲31.3ppvs FY2024

ROE (TTM to Jun 2026)11.02%▼1.0ppvs FY2025

Analyst consensus

RatingHold

Target price$56.00▼21.54%

Buy

Hold

Sell

Analyst ratings tend to be lagging indicators. Use as one signal among many.

Earnings

Actuals vs estimates by quarter, or any quarter against the same one a year earlier.

Next report

Oct 29, 2026

Q3 FY26 · EPS est $1.71 · Revenue est $53.8M

Same quarter, year over year

FY26 YTD -9.1%

Each cell vs the same quarter a year earlier (the cell below) · Q1–Q2 combined $2.91 vs $3.20 · 0 of 2 quarters up

FY total

FY26

—

FY25

$6.07+61.0%

FY24

$3.77—

FY23

—

Fiscal year totals

FY25: $6.07; +61.0%
FY24: $3.77; —

SlowerFaster growth(darkest from 56%)

BeatMissIn lineYear-ago cell

Q2 FY26

Reported Jul 30, 2026 · Latest

HoverTap a cell to inspect

Actual

$1.48

Miss by 9.8%

Estimate

$1.64

Street consensus

Year over year

-12.4%

vs Q2 FY25 · $1.69

Vs prior quarter

+3.5%

vs Q1 FY26 · $1.43

Price range $54.21-$67.03 · daily closes Apr 1-Jun 30

Implied at 12.3x street P/E $71.37 · street TTM EPS × current multiple

Institutional Sentiment

Peoples Financial Services Corp. · PFIS

From Form 13F filings (managers with $100M+). Filings land up to 45 days after quarter end — read this as positioning context, not live fund flow.