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PFIS 
Peoples Fin (PFIS)
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Upturn Advisory Summary
12/05/2025: 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 $50
1 Year Target Price $50
| 1 | Strong Buy |
| 0 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 10.13% | Avg. Invested days 45 | 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 12/05/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 497.03M USD | Price to earnings Ratio 9.24 | 1Y Target Price 50 |
Price to earnings Ratio 9.24 | 1Y Target Price 50 | ||
Volume (30-day avg) 2 | Beta 0.78 | 52 Weeks Range 37.49 - 54.24 | Updated Date 12/6/2025 |
52 Weeks Range 37.49 - 54.24 | Updated Date 12/6/2025 | ||
Dividends yield (FY) 4.93% | Basic EPS (TTM) 5.38 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 29.19% | Operating Margin (TTM) 44.15% |
Management Effectiveness
Return on Assets (TTM) 1.01% | Return on Equity (TTM) 10.83% |
Valuation
Trailing PE 9.24 | Forward PE - | Enterprise Value 621434240 | Price to Sales(TTM) 2.72 |
Enterprise Value 621434240 | Price to Sales(TTM) 2.72 | ||
Enterprise Value to Revenue 4.38 | Enterprise Value to EBITDA - | Shares Outstanding 9994595 | Shares Floating 9133860 |
Shares Outstanding 9994595 | Shares Floating 9133860 | ||
Percent Insiders 8.02 | Percent Institutions 32.07 |
Upturn AI SWOT
Peoples Fin
Company Overview
History and Background
Peoples Financial Corporation, founded in 1903, operates as the holding company for Peoples Bank, a community bank providing financial services in Virginia, West Virginia, and Maryland. Over the years, it has expanded its services and geographic reach through acquisitions and organic growth.
Core Business Areas
- Commercial Banking: Provides loans, deposit accounts, and other financial services to businesses.
- Retail Banking: Offers personal banking services, including checking and savings accounts, mortgages, and consumer loans.
- Wealth Management: Offers trust and investment services to individuals and businesses.
Leadership and Structure
The company is led by a board of directors and a senior management team. The organizational structure includes various departments responsible for different aspects of the business, such as lending, operations, and compliance.
Top Products and Market Share
Key Offerings
- Commercial Loans: Offerings include commercial real estate loans, business term loans, and lines of credit. Market share is fragmented among numerous regional banks. Competitors include Truist (TFC) and PNC (PNC).
- Residential Mortgages: Provides mortgage loans for home purchases and refinancing. Market share is also fragmented, with competition from national banks and mortgage companies. Competitors include Wells Fargo (WFC) and Bank of America (BAC).
- Deposit Accounts: Includes checking, savings, and money market accounts for individuals and businesses. Competition comes from both traditional banks and online financial institutions. Competitors include Capital One (COF) and Ally Financial (ALLY).
Market Dynamics
Industry Overview
The banking industry is currently facing challenges related to interest rate volatility, increased regulation, and competition from fintech companies. Consolidation continues to be a trend within the community banking sector.
Positioning
Peoples Fin is a community bank focused on providing personalized service and building relationships with its customers. Its competitive advantage lies in its local market knowledge and customer-centric approach.
Total Addressable Market (TAM)
The TAM for banking services in Peoples Fin's geographic area is estimated to be in the billions of dollars. Peoples Fin's market share allows for further expansion.
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Experienced management team
- Diversified revenue streams
- Good asset quality
Weaknesses
- Limited geographic reach compared to larger banks
- Dependence on net interest income
- Higher operating expenses relative to assets than larger banks
- Lack of investment in technological innovation
Opportunities
- Expansion into new markets through acquisitions
- Increased adoption of digital banking services
- Growth in wealth management business
- Rising interest rates leading to increased net interest margin
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn impacting loan demand and credit quality
- Regulatory changes increasing compliance costs
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- PNC
- USB
- BOH
Competitive Landscape
Peoples Fin competes with larger regional and national banks, as well as smaller community banks. Its competitive advantage lies in its local market knowledge and customer-centric approach.
Major Acquisitions
Liberty Bancorp
- Year: 2017
- Acquisition Price (USD millions): 44.8
- Strategic Rationale: Expanded Peoples Fin's presence into additional markets in West Virginia.
Growth Trajectory and Initiatives
Historical Growth: Peoples Fin has grown organically and through strategic acquisitions.
Future Projections: Analysts expect continued growth in revenue and earnings over the next few years, driven by loan growth and expansion into new markets.
Recent Initiatives: Recent initiatives include investments in digital banking technology and expansion of the wealth management business.
Summary
Peoples Fin is a stable community bank with a strong local presence. It has demonstrated steady growth in recent years, driven by loan growth and strategic acquisitions. However, it faces increasing competition from larger banks and fintech companies and needs to continually invest in technological innovation to remain competitive. The company also needs to be mindful of its reliance on net interest income.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Filings (SEC)
- Market Data Providers
- Analyst Reports
Disclaimers:
The information provided is for informational purposes only and should not be construed as investment advice. Market data is subject to change. Consult with a qualified financial advisor before making any investment decisions.
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 Moosic, 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 Moosic, Pennsylvania.
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