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Upturn AI SWOT - About
PFIS 
Peoples Fin (PFIS)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
08/28/2025: 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 14.3% | Avg. Invested days 49 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 08/28/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 536.57M USD | Price to earnings Ratio 16.59 | 1Y Target Price 53.25 |
Price to earnings Ratio 16.59 | 1Y Target Price 53.25 | ||
Volume (30-day avg) 2 | Beta 0.76 | 52 Weeks Range 37.96 - 56.90 | Updated Date 08/29/2025 |
52 Weeks Range 37.96 - 56.90 | Updated Date 08/29/2025 | ||
Dividends yield (FY) 4.60% | Basic EPS (TTM) 3.22 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-07-31 | When Before Market | Estimate 1.47 | Actual 1.69 |
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 16.59 | Forward PE - | Enterprise Value 628944640 | Price to Sales(TTM) 3.24 |
Enterprise Value 628944640 | Price to Sales(TTM) 3.24 | ||
Enterprise Value to Revenue 4.41 | Enterprise Value to EBITDA - | Shares Outstanding 9994700 | Shares Floating 9144547 |
Shares Outstanding 9994700 | Shares Floating 9144547 | ||
Percent Insiders 8 | Percent Institutions 31.99 |
Upturn AI SWOT
Peoples Fin
Company Overview
History and Background
Peoples Financial Services Corp. was founded in 1850 and is headquartered in Scranton, Pennsylvania. It operates as the bank holding company for Peoples Security Bank & Trust Company, providing a range of financial services.
Core Business Areas
- Community Banking: Offers traditional banking services including checking accounts, savings accounts, loans, and mortgages to individuals and small businesses in Northeastern Pennsylvania.
- Wealth Management: Provides wealth management and trust services to individuals and businesses.
- Commercial Banking: Provides commercial loans, lines of credit, and other financial services to businesses.
Leadership and Structure
Craig Best is the President and CEO. The organizational structure consists of various departments including retail banking, commercial lending, and wealth management, all overseen by a board of directors.
Top Products and Market Share
Key Offerings
- Residential Mortgages: Provides mortgage loans for home purchases and refinancing. The market is highly competitive, with competitors including large national banks, credit unions, and other regional banks. Peoples Fin's market share data is not readily available, but revenue generated by mortages contributed a substantial portion of loan interest income, which was 13.2% of total interest income in 2023.
- Commercial Loans: Offers loans and lines of credit to businesses for various purposes. Key competitors include other regional and national banks. Peoples Fin's market share data is not readily available, but revenue generated by commercial loans contributed a substantial portion of loan interest income, which was 69.2% of total interest income in 2023.
- Deposit Accounts: Offers checking, savings, and money market accounts. Competitors include online banks, credit unions, and other local and regional banks. The market share data is not readily available.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges related to rising interest rates, regulatory changes, and increased competition from fintech companies.
Positioning
Peoples Fin is a regional bank focused on serving the needs of its local communities. Its competitive advantage lies in its strong relationships with customers and its local market knowledge.
Total Addressable Market (TAM)
The TAM for banking services in Northeastern Pennsylvania is estimated to be in the billions of dollars. Peoples Fin is positioned to capture a portion of this market through its community banking focus.
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Established customer relationships
- Experienced management team
- Community-focused approach
Weaknesses
- Limited geographic reach
- Smaller scale compared to larger banks
- Reliance on traditional banking services
- Less brand recognition than national banks
Opportunities
- Expansion into new markets within Pennsylvania
- Adoption of new technologies to improve efficiency
- Growth in wealth management services
- Partnerships with fintech companies
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- FULT (Fulton Financial)
- WSFS (WSFS Financial)
- UCBI (United Community Banks)
Competitive Landscape
Peoples Fin faces competition from larger regional and national banks, as well as credit unions and online lenders. Its advantage lies in its local market knowledge and customer relationships, but it must continue to innovate to remain competitive.
Major Acquisitions
N/A
- Year:
- Acquisition Price (USD millions):
- Strategic Rationale: No recent or significant acquisitions found.
Growth Trajectory and Initiatives
Historical Growth: Peoples Fin's growth has been relatively steady, driven by organic growth and strategic acquisitions.
Future Projections: Analyst estimates project modest revenue growth in the coming years, with EPS growth dependent on interest rate conditions and expense management. Future EPS growth is projected to be 9% per year.
Recent Initiatives: Peoples Fin has been investing in technology to improve its online banking platform and enhance customer service. They are also expanding their wealth management services.
Summary
Peoples Fin is a stable regional bank with a strong presence in Northeastern Pennsylvania. While it faces challenges from larger competitors and changing market conditions, its local focus and customer relationships provide a solid foundation. Continued investment in technology and strategic growth initiatives are crucial for its long-term success. However, its earnings and revenue have decreased Year-over-Year so it will be important to see if management can turn this trend around.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings (10-K, 10-Q)
- Company website
- Yahoo Finance
- SEC.gov
Disclaimers:
This analysis is for informational purposes only and should not be considered investment advice. Market share data is based on available information and may not be precise. Financial data is as of the most recent available reports.
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 Scranton, 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 Scranton, Pennsylvania.
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