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Peoples Financial

NSQ:PFIS · US7110401053
BanksX-Small

360

44
Profit price72
Cash yield97
Price/Sales62
EV / Gross Profit49
Price/Book46
Returns on capital54
Profit margins—
Cash Conversion33
Accruals47
Owner Earnings Margin44
Sales growth46
Profit Growth55
Owner Earnings Growth77
Reinvestment77
Price momentum55
Debt load30
Debt serviceability82
Liquidity66
Analyst ratings1
Opinion Changes50
Price Target Upside15
Market mood1
Value Creation20/20strong value creator
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Peoples Financial generates returns well above its cost of capital, the foundation of durable shareholder value.

Based on 3/5 components.

Profile

CountryUSA
IndustryBanks
SizeX-Small
TypePublic Company
ExchangeNASDAQGS
Founded1986
Employees231
Websitepfis.q4ir.com
ISINUS7110401053
Last UpdateApr 2, 2026
Indices
NASDAQ (USA)Sound Pay Practices (USA)

Description

Peoples Financial Services Corp. provides a full range of financial services through its wholly-owned direct and indirect subsidiaries, including Peoples Security Bank and Trust Company and 1st Equipment Finance, Inc (1st Equipment Finance’). The ba…

Analysis

Bargain bin

Peoples Financial Services Corp. is priced cheaply, and that invites the natural question of why, since the underlying business scores below average.

On valuation, the picture is attractive. The owner-earnings multiple stands at 11.0×; owner earnings: the cash an owner could take out each year.

Growth is moderate; the safety picture is adequate. The company scores 20/20 on our value-creation score: strong value creator. Analyst sentiment is cautious.

Flags to be aware of: Reported profits have run ahead of actual cash for several periods. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
71
2023202420252026

All-time high

91

Jan 2023

All-time low

26

Dec 2025

Average rank

50

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
62
59
79
60
Price/Earnings
91
84
28
72
Price/Book
46
51
42
58
Dividend Yield
97
97
52
67
Value (overall)
94
99
44
77

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →