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Upturn AI SWOT - About
PFIS 
Peoples Fin (PFIS)
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Upturn Advisory Summary
09/12/2025: PFIS (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
2 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $53.25
1 Year Target Price $53.25
| 1 | Strong Buy |
| 0 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 13.66% | Avg. Invested days 51 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 09/12/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 524.82M USD | Price to earnings Ratio 16.31 | 1Y Target Price 53.25 |
Price to earnings Ratio 16.31 | 1Y Target Price 53.25 | ||
Volume (30-day avg) 2 | Beta 0.78 | 52 Weeks Range 37.96 - 56.90 | Updated Date 09/14/2025 |
52 Weeks Range 37.96 - 56.90 | Updated Date 09/14/2025 | ||
Dividends yield (FY) 4.63% | Basic EPS (TTM) 3.22 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 20.36% | Operating Margin (TTM) 47.55% |
Management Effectiveness
Return on Assets (TTM) 0.77% | Return on Equity (TTM) 8.08% |
Valuation
Trailing PE 16.31 | Forward PE - | Enterprise Value 619849472 | Price to Sales(TTM) 3.17 |
Enterprise Value 619849472 | Price to Sales(TTM) 3.17 | ||
Enterprise Value to Revenue 4.36 | Enterprise Value to EBITDA - | Shares Outstanding 9994700 | Shares Floating 9131454 |
Shares Outstanding 9994700 | Shares Floating 9131454 | ||
Percent Insiders 8.02 | Percent Institutions 32.29 |
Upturn AI SWOT
Peoples Fin
Company Overview
History and Background
Peoples Financial Services Corp. was founded in 1902. Initially a small community bank, it has grown through organic expansion and acquisitions to become a diversified financial services provider in northeastern Pennsylvania, New York, New Jersey, and Vermont.
Core Business Areas
- Commercial Banking: Offers a range of lending and deposit products to businesses, including commercial real estate loans, lines of credit, and term loans.
- Retail Banking: Provides checking and savings accounts, mortgages, personal loans, and credit cards to individuals and families.
- Wealth Management: Offers investment advisory services, trust and estate planning, and insurance products.
Leadership and Structure
The leadership team comprises experienced banking professionals with expertise in finance, operations, and risk management. The organizational structure is hierarchical, with clear lines of reporting and accountability.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Provides financing for commercial properties. Market share data is not readily available, varies based on local markets. Competitors include local and national banks like PNC (PNC), Wells Fargo (WFC), and M&T Bank (MTB).
- Mortgage Loans: Offers residential mortgage products. Market share data varies locally. Competitors include Rocket Mortgage (RKT), UWM Holdings Corporation (UWMC) and local banks and credit unions.
Market Dynamics
Industry Overview
The banking industry is highly competitive and subject to regulatory changes, interest rate fluctuations, and economic cycles. Consolidation is ongoing as banks seek to gain scale and efficiency.
Positioning
Peoples Fin focuses on community banking, emphasizing personalized service and local decision-making. It competes with both large national banks and smaller regional players.
Total Addressable Market (TAM)
The TAM includes all banking and financial services within the company's geographic footprint. The TAM is estimated at tens of billions of USD. Peoples Fin is positioned as a regional player aiming to increase market share through customer service and targeted product offerings.
Upturn SWOT Analysis
Strengths
- Strong community ties
- Experienced management team
- Diversified product offerings
- Sound asset quality
- Established brand reputation in the region
Weaknesses
- Limited geographic reach compared to national banks
- Smaller scale may limit investment in technology
- Reliance on traditional banking model
- Lower brand recognition outside core markets
Opportunities
- Expansion into new markets through acquisitions
- Increased focus on digital banking and fintech partnerships
- Growing demand for wealth management services
- Capitalizing on consolidation in the banking industry
- Increasing penetration rate within existing markets.
Threats
- Rising interest rates impacting loan demand
- Increased competition from fintech companies
- Regulatory changes impacting profitability
- Economic downturn affecting loan portfolio quality
- Cybersecurity risks and data breaches
Competitors and Market Share
Key Competitors
- PNC
- MTB
- FCNCA
Competitive Landscape
Peoples Fin operates in a competitive landscape with larger national and regional banks. Its competitive advantage lies in its community focus and personalized service.
Major Acquisitions
Loyal Stock Bank
- Year: 2019
- Acquisition Price (USD millions): 85
- Strategic Rationale: Expanded presence in Vermont and enhanced wealth management capabilities.
Growth Trajectory and Initiatives
Historical Growth: Historical growth is tied to general economic conditions and acquisitions and will be determined by reviewing historical reports and releases.
Future Projections: Analyst estimates can be found on financial analysis websites such as Yahoo Finance or Bloomberg.
Recent Initiatives: Initiatives are typically mentioned in investor presentations and company earnings calls and transcripts.
Summary
Peoples Fin is a well-established regional bank with strong community ties, its financial performance is tied to the local market. While they compete well on customer service, the bank faces challenges from larger institutions and fintech companies. Continued investment in digital banking is crucial for future growth. Strategic acquisitions could enhance market position.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company website
- SEC filings
- Financial news articles
- Analyst reports
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market share data is estimated and may not be precise.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Peoples Fin
Exchange NASDAQ | Headquaters Dunmore, PA, United States | ||
IPO Launch date 2002-06-05 | CEO - | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 511 | Website https://www.psbt.com |
Full time employees 511 | Website https://www.psbt.com | ||
Peoples Financial Services Corp. provides commercial and retail banking services. The company accepts money market, negotiable order of withdrawal, 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 fiduciary and investment services; 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 wealth management products and services comprising investment portfolio management, estate and business succession planning, annuities, insurance, retirement plan, and tax planning, as well as education funding strategies; and securities, 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. The company was founded in 1905 and is headquartered in Dunmore, Pennsylvania.
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