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Upturn AI SWOT - About
PFIS 
Peoples Fin (PFIS)
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Upturn Advisory Summary
11/04/2025: PFIS (1-star) is currently NOT-A-BUY. Pass it for now.
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 8.06% | Avg. Invested days 52 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 11/04/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 449.46M USD | Price to earnings Ratio 8.36 | 1Y Target Price 50 |
Price to earnings Ratio 8.36 | 1Y Target Price 50 | ||
Volume (30-day avg) 2 | Beta 0.79 | 52 Weeks Range 37.96 - 56.90 | Updated Date 11/5/2025 |
52 Weeks Range 37.96 - 56.90 | Updated Date 11/5/2025 | ||
Dividends yield (FY) 5.49% | Basic EPS (TTM) 5.38 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-30 | When After Market | Estimate 1.54 | Actual 1.51 |
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 8.36 | Forward PE - | Enterprise Value 573698176 | Price to Sales(TTM) 2.46 |
Enterprise Value 573698176 | Price to Sales(TTM) 2.46 | ||
Enterprise Value to Revenue 4.09 | Enterprise Value to EBITDA - | Shares Outstanding 9994595 | Shares Floating 9131762 |
Shares Outstanding 9994595 | Shares Floating 9131762 | ||
Percent Insiders 8.02 | Percent Institutions 32.44 |
Upturn AI SWOT
Peoples Fin
Company Overview
History and Background
Peoples Financial Services Corp. (PFIS) is a community bank holding company. Founded in 1905, it has grown organically and through acquisitions to provide financial services in Northeastern Pennsylvania, Metropolitan New York, and Central New Jersey.
Core Business Areas
- Community Banking: Offers a range of commercial and retail banking services, including deposit accounts, loans, and wealth management.
- Commercial Lending: Provides loans to businesses for various purposes, such as working capital, equipment financing, and real estate.
- Wealth Management: Offers investment management, financial planning, and trust services to individuals and businesses.
Leadership and Structure
The company is led by a board of directors and a senior management team. Organizational structure consists of various departments including lending, operations, finance, and compliance.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans secured by commercial properties. Market share data is difficult to ascertain precisely on a national level for community banks, but regional players compete with larger national banks. Competitors include regional banks and credit unions.
- Residential Mortgages: Mortgage loans for residential properties. Market share data is also difficult to ascertain on a national level for community banks, but regional players compete with larger national banks. Competitors include Wells Fargo, JP Morgan Chase, and Bank of America.
- Deposit Accounts: Checking, savings, and money market accounts. Competitors include other banks and credit unions.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges from rising interest rates, increased regulation, and competition from fintech companies. Community banks focus on building relationships and local market expertise.
Positioning
Peoples Fin positions itself as a community-focused bank with strong customer relationships and local market knowledge. Its competitive advantages include its personalized service and local decision-making.
Total Addressable Market (TAM)
The total addressable market for banking services is very large, encompassing all individuals and businesses requiring financial services. Peoples Fin is positioned within this TAM by focusing on specific geographic markets and customer segments.
Upturn SWOT Analysis
Strengths
- Strong community relationships
- Local market knowledge
- Experienced management team
- Diversified revenue streams
Weaknesses
- Smaller scale compared to larger banks
- Limited geographic reach
- Dependence on local economy
- Potential lack of digital banking innovation compared to larger competitors
Opportunities
- Expansion into new markets
- Increased demand for wealth management services
- Partnerships with fintech companies
- Organic growth within existing markets
Threats
- Rising interest rates
- Increased competition from larger banks and fintech companies
- Economic downturn
- Changes in regulations
Competitors and Market Share
Key Competitors
- FHB
- CASH
- FFWM
Competitive Landscape
Peoples Fin competes with other community banks, regional banks, and national banks. Its competitive advantage lies in its local market knowledge and personalized service.
Growth Trajectory and Initiatives
Historical Growth: PFIS has grown through organic growth and acquisitions. Refer to financial news sources for data.
Future Projections: Analyst estimates vary based on market conditions and company performance. Refer to financial news sources for data.
Recent Initiatives: Recent initiatives include branch expansion, digital banking enhancements, and new product launches. Refer to press releases for data.
Summary
Peoples Financial Services is a community-focused bank with a long history. It faces competition from larger banks and fintech companies but benefits from strong local relationships. Growth opportunities exist through expansion and partnerships. However, economic conditions and regulatory changes pose potential risks.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company website
- SEC filings
- Financial news sources
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share estimates are approximate and may vary. Financial metrics data unavailable.
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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