Financhill
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PFIS Quote, Financials, Valuation and Earnings

Last price:
$51.33
Seasonality move :
-0.77%
Day range:
$50.86 - $51.90
52-week range:
$38.90 - $59.70
Dividend yield:
4.82%
P/E ratio:
24.05x
P/S ratio:
3.05x
P/B ratio:
1.06x
Volume:
86.6K
Avg. volume:
25.9K
1-year change:
13.72%
Market cap:
$512.1M
Revenue:
$134.3M
EPS (TTM):
$2.13

Price Performance History

Performance vs. Valuation Benchmarks

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Competitors

Company Revenue Forecast Earnings Forecast Revenue Growth Forecast Earnings Growth Forecast Analyst Price Target Median
PFIS
Peoples Financial Services
$46.9M $1.47 108.18% 220.65% $55.00
AROW
Arrow Financial
$39.8M $0.63 14.16% 17.31% $27.75
CPF
Central Pacific Financial
$71.8M $0.70 14.57% 20.69% $30.00
GABC
German American Bancorp
$90.3M $0.83 238.34% 21.26% $45.17
HBNC
Horizon Bancorp (IN)
$66.4M $0.44 21.36% 36.98% $18.00
VLY
Valley National Bancorp
$492.8M $0.22 9.46% 72.02% $10.45
Company Price Analyst Target Market Cap P/E Ratio Dividend per Share Dividend Yield Price / LTM Sales
PFIS
Peoples Financial Services
$51.23 $55.00 $512.1M 24.05x $0.62 4.82% 3.05x
AROW
Arrow Financial
$27.07 $27.75 $451.4M 15.92x $0.28 4.1% 3.13x
CPF
Central Pacific Financial
$28.96 $30.00 $781.2M 13.53x $0.27 3.66% 3.11x
GABC
German American Bancorp
$40.37 $45.17 $1.5B 16.28x $0.29 2.77% 5.30x
HBNC
Horizon Bancorp (IN)
$15.71 $18.00 $692.8M 15.40x $0.16 4.07% 3.40x
VLY
Valley National Bancorp
$9.51 $10.45 $5.3B 13.78x $0.11 4.63% 2.70x
Company Total Debt / Total Capital Beta Debt to Equity Quick Ratio
PFIS
Peoples Financial Services
23.05% 1.873 32.46% 17.00x
AROW
Arrow Financial
6.61% 1.155 6.53% --
CPF
Central Pacific Financial
19.08% 1.876 17.96% 98.66x
GABC
German American Bancorp
14.56% 1.022 12.68% 31.00x
HBNC
Horizon Bancorp (IN)
56.63% 1.432 152.39% 19.47x
VLY
Valley National Bancorp
28.31% 1.592 55.54% 30.77x
Company Gross Profit Operating Income Return on Invested Capital Return on Common Equity EBIT Margin Free Cash Flow
PFIS
Peoples Financial Services
-- -- 3.53% 4.76% 91.15% $8.6M
AROW
Arrow Financial
-- -- 6.76% 7.24% 69.24% $8.8M
CPF
Central Pacific Financial
-- -- 8.51% 10.92% 62.21% $19.6M
GABC
German American Bancorp
-- -- 8.1% 9.78% 52.79% $36.7M
HBNC
Horizon Bancorp (IN)
-- -- 2.2% 6.06% 95.47% $14.1M
VLY
Valley National Bancorp
-- -- 3.78% 5.51% 105.3% -$17.1M

Peoples Financial Services vs. Competitors

  • Which has Higher Returns PFIS or AROW?

    Arrow Financial has a net margin of 33.26% compared to Peoples Financial Services's net margin of 16.1%. Peoples Financial Services's return on equity of 4.76% beat Arrow Financial's return on equity of 7.24%.

    Company Gross Margin Earnings Per Share Invested Capital
    PFIS
    Peoples Financial Services
    -- $1.49 $626.2M
    AROW
    Arrow Financial
    -- $0.38 $433M
  • What do Analysts Say About PFIS or AROW?

    Peoples Financial Services has a consensus price target of $55.00, signalling upside risk potential of 7.36%. On the other hand Arrow Financial has an analysts' consensus of $27.75 which suggests that it could grow by 2.51%. Given that Peoples Financial Services has higher upside potential than Arrow Financial, analysts believe Peoples Financial Services is more attractive than Arrow Financial.

    Company Buy Ratings Hold Ratings Sell Ratings
    PFIS
    Peoples Financial Services
    1 1 0
    AROW
    Arrow Financial
    0 2 0
  • Is PFIS or AROW More Risky?

    Peoples Financial Services has a beta of 0.753, which suggesting that the stock is 24.669% less volatile than S&P 500. In comparison Arrow Financial has a beta of 0.781, suggesting its less volatile than the S&P 500 by 21.878%.

  • Which is a Better Dividend Stock PFIS or AROW?

    Peoples Financial Services has a quarterly dividend of $0.62 per share corresponding to a yield of 4.82%. Arrow Financial offers a yield of 4.1% to investors and pays a quarterly dividend of $0.28 per share. Peoples Financial Services pays 212.91% of its earnings as a dividend. Arrow Financial pays out 61.55% of its earnings as a dividend. Arrow Financial's payout ratio is sufficient to cover dividend payouts with earnings for the foreseeable future, but Peoples Financial Services's is not.

  • Which has Better Financial Ratios PFIS or AROW?

    Peoples Financial Services quarterly revenues are $45.1M, which are larger than Arrow Financial quarterly revenues of $39.2M. Peoples Financial Services's net income of $15M is higher than Arrow Financial's net income of $6.3M. Notably, Peoples Financial Services's price-to-earnings ratio is 24.05x while Arrow Financial's PE ratio is 15.92x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Peoples Financial Services is 3.05x versus 3.13x for Arrow Financial. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    PFIS
    Peoples Financial Services
    3.05x 24.05x $45.1M $15M
    AROW
    Arrow Financial
    3.13x 15.92x $39.2M $6.3M
  • Which has Higher Returns PFIS or CPF?

    Central Pacific Financial has a net margin of 33.26% compared to Peoples Financial Services's net margin of 26.27%. Peoples Financial Services's return on equity of 4.76% beat Central Pacific Financial's return on equity of 10.92%.

    Company Gross Margin Earnings Per Share Invested Capital
    PFIS
    Peoples Financial Services
    -- $1.49 $626.2M
    CPF
    Central Pacific Financial
    -- $0.65 $688.8M
  • What do Analysts Say About PFIS or CPF?

    Peoples Financial Services has a consensus price target of $55.00, signalling upside risk potential of 7.36%. On the other hand Central Pacific Financial has an analysts' consensus of $30.00 which suggests that it could grow by 3.59%. Given that Peoples Financial Services has higher upside potential than Central Pacific Financial, analysts believe Peoples Financial Services is more attractive than Central Pacific Financial.

    Company Buy Ratings Hold Ratings Sell Ratings
    PFIS
    Peoples Financial Services
    1 1 0
    CPF
    Central Pacific Financial
    0 1 0
  • Is PFIS or CPF More Risky?

    Peoples Financial Services has a beta of 0.753, which suggesting that the stock is 24.669% less volatile than S&P 500. In comparison Central Pacific Financial has a beta of 1.041, suggesting its more volatile than the S&P 500 by 4.065%.

  • Which is a Better Dividend Stock PFIS or CPF?

    Peoples Financial Services has a quarterly dividend of $0.62 per share corresponding to a yield of 4.82%. Central Pacific Financial offers a yield of 3.66% to investors and pays a quarterly dividend of $0.27 per share. Peoples Financial Services pays 212.91% of its earnings as a dividend. Central Pacific Financial pays out 52.69% of its earnings as a dividend. Central Pacific Financial's payout ratio is sufficient to cover dividend payouts with earnings for the foreseeable future, but Peoples Financial Services's is not.

  • Which has Better Financial Ratios PFIS or CPF?

    Peoples Financial Services quarterly revenues are $45.1M, which are smaller than Central Pacific Financial quarterly revenues of $67.6M. Peoples Financial Services's net income of $15M is lower than Central Pacific Financial's net income of $17.8M. Notably, Peoples Financial Services's price-to-earnings ratio is 24.05x while Central Pacific Financial's PE ratio is 13.53x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Peoples Financial Services is 3.05x versus 3.11x for Central Pacific Financial. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    PFIS
    Peoples Financial Services
    3.05x 24.05x $45.1M $15M
    CPF
    Central Pacific Financial
    3.11x 13.53x $67.6M $17.8M
  • Which has Higher Returns PFIS or GABC?

    German American Bancorp has a net margin of 33.26% compared to Peoples Financial Services's net margin of 12.92%. Peoples Financial Services's return on equity of 4.76% beat German American Bancorp's return on equity of 9.78%.

    Company Gross Margin Earnings Per Share Invested Capital
    PFIS
    Peoples Financial Services
    -- $1.49 $626.2M
    GABC
    German American Bancorp
    -- $0.30 $1.2B
  • What do Analysts Say About PFIS or GABC?

    Peoples Financial Services has a consensus price target of $55.00, signalling upside risk potential of 7.36%. On the other hand German American Bancorp has an analysts' consensus of $45.17 which suggests that it could grow by 11.88%. Given that German American Bancorp has higher upside potential than Peoples Financial Services, analysts believe German American Bancorp is more attractive than Peoples Financial Services.

    Company Buy Ratings Hold Ratings Sell Ratings
    PFIS
    Peoples Financial Services
    1 1 0
    GABC
    German American Bancorp
    2 3 0
  • Is PFIS or GABC More Risky?

    Peoples Financial Services has a beta of 0.753, which suggesting that the stock is 24.669% less volatile than S&P 500. In comparison German American Bancorp has a beta of 0.585, suggesting its less volatile than the S&P 500 by 41.455%.

  • Which is a Better Dividend Stock PFIS or GABC?

    Peoples Financial Services has a quarterly dividend of $0.62 per share corresponding to a yield of 4.82%. German American Bancorp offers a yield of 2.77% to investors and pays a quarterly dividend of $0.29 per share. Peoples Financial Services pays 212.91% of its earnings as a dividend. German American Bancorp pays out 38% of its earnings as a dividend. German American Bancorp's payout ratio is sufficient to cover dividend payouts with earnings for the foreseeable future, but Peoples Financial Services's is not.

  • Which has Better Financial Ratios PFIS or GABC?

    Peoples Financial Services quarterly revenues are $45.1M, which are smaller than German American Bancorp quarterly revenues of $81.4M. Peoples Financial Services's net income of $15M is higher than German American Bancorp's net income of $10.5M. Notably, Peoples Financial Services's price-to-earnings ratio is 24.05x while German American Bancorp's PE ratio is 16.28x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Peoples Financial Services is 3.05x versus 5.30x for German American Bancorp. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    PFIS
    Peoples Financial Services
    3.05x 24.05x $45.1M $15M
    GABC
    German American Bancorp
    5.30x 16.28x $81.4M $10.5M
  • Which has Higher Returns PFIS or HBNC?

    Horizon Bancorp (IN) has a net margin of 33.26% compared to Peoples Financial Services's net margin of 35.17%. Peoples Financial Services's return on equity of 4.76% beat Horizon Bancorp (IN)'s return on equity of 6.06%.

    Company Gross Margin Earnings Per Share Invested Capital
    PFIS
    Peoples Financial Services
    -- $1.49 $626.2M
    HBNC
    Horizon Bancorp (IN)
    -- $0.54 $1.8B
  • What do Analysts Say About PFIS or HBNC?

    Peoples Financial Services has a consensus price target of $55.00, signalling upside risk potential of 7.36%. On the other hand Horizon Bancorp (IN) has an analysts' consensus of $18.00 which suggests that it could grow by 14.58%. Given that Horizon Bancorp (IN) has higher upside potential than Peoples Financial Services, analysts believe Horizon Bancorp (IN) is more attractive than Peoples Financial Services.

    Company Buy Ratings Hold Ratings Sell Ratings
    PFIS
    Peoples Financial Services
    1 1 0
    HBNC
    Horizon Bancorp (IN)
    3 3 0
  • Is PFIS or HBNC More Risky?

    Peoples Financial Services has a beta of 0.753, which suggesting that the stock is 24.669% less volatile than S&P 500. In comparison Horizon Bancorp (IN) has a beta of 0.842, suggesting its less volatile than the S&P 500 by 15.85%.

  • Which is a Better Dividend Stock PFIS or HBNC?

    Peoples Financial Services has a quarterly dividend of $0.62 per share corresponding to a yield of 4.82%. Horizon Bancorp (IN) offers a yield of 4.07% to investors and pays a quarterly dividend of $0.16 per share. Peoples Financial Services pays 212.91% of its earnings as a dividend. Horizon Bancorp (IN) pays out 79.96% of its earnings as a dividend. Horizon Bancorp (IN)'s payout ratio is sufficient to cover dividend payouts with earnings for the foreseeable future, but Peoples Financial Services's is not.

  • Which has Better Financial Ratios PFIS or HBNC?

    Peoples Financial Services quarterly revenues are $45.1M, which are smaller than Horizon Bancorp (IN) quarterly revenues of $68.1M. Peoples Financial Services's net income of $15M is lower than Horizon Bancorp (IN)'s net income of $23.9M. Notably, Peoples Financial Services's price-to-earnings ratio is 24.05x while Horizon Bancorp (IN)'s PE ratio is 15.40x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Peoples Financial Services is 3.05x versus 3.40x for Horizon Bancorp (IN). Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    PFIS
    Peoples Financial Services
    3.05x 24.05x $45.1M $15M
    HBNC
    Horizon Bancorp (IN)
    3.40x 15.40x $68.1M $23.9M
  • Which has Higher Returns PFIS or VLY?

    Valley National Bancorp has a net margin of 33.26% compared to Peoples Financial Services's net margin of 22.17%. Peoples Financial Services's return on equity of 4.76% beat Valley National Bancorp's return on equity of 5.51%.

    Company Gross Margin Earnings Per Share Invested Capital
    PFIS
    Peoples Financial Services
    -- $1.49 $626.2M
    VLY
    Valley National Bancorp
    -- $0.18 $10.5B
  • What do Analysts Say About PFIS or VLY?

    Peoples Financial Services has a consensus price target of $55.00, signalling upside risk potential of 7.36%. On the other hand Valley National Bancorp has an analysts' consensus of $10.45 which suggests that it could grow by 9.88%. Given that Valley National Bancorp has higher upside potential than Peoples Financial Services, analysts believe Valley National Bancorp is more attractive than Peoples Financial Services.

    Company Buy Ratings Hold Ratings Sell Ratings
    PFIS
    Peoples Financial Services
    1 1 0
    VLY
    Valley National Bancorp
    2 6 0
  • Is PFIS or VLY More Risky?

    Peoples Financial Services has a beta of 0.753, which suggesting that the stock is 24.669% less volatile than S&P 500. In comparison Valley National Bancorp has a beta of 1.060, suggesting its more volatile than the S&P 500 by 5.965%.

  • Which is a Better Dividend Stock PFIS or VLY?

    Peoples Financial Services has a quarterly dividend of $0.62 per share corresponding to a yield of 4.82%. Valley National Bancorp offers a yield of 4.63% to investors and pays a quarterly dividend of $0.11 per share. Peoples Financial Services pays 212.91% of its earnings as a dividend. Valley National Bancorp pays out 65.64% of its earnings as a dividend. Valley National Bancorp's payout ratio is sufficient to cover dividend payouts with earnings for the foreseeable future, but Peoples Financial Services's is not.

  • Which has Better Financial Ratios PFIS or VLY?

    Peoples Financial Services quarterly revenues are $45.1M, which are smaller than Valley National Bancorp quarterly revenues of $478.4M. Peoples Financial Services's net income of $15M is lower than Valley National Bancorp's net income of $106.1M. Notably, Peoples Financial Services's price-to-earnings ratio is 24.05x while Valley National Bancorp's PE ratio is 13.78x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Peoples Financial Services is 3.05x versus 2.70x for Valley National Bancorp. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    PFIS
    Peoples Financial Services
    3.05x 24.05x $45.1M $15M
    VLY
    Valley National Bancorp
    2.70x 13.78x $478.4M $106.1M

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