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Upturn AI SWOT - About
PFIS 
Peoples Fin (PFIS)
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Upturn Advisory Summary
06/30/2025: 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
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $54
1 Year Target Price $54
| 1 | Strong Buy |
| 0 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 19.93% | Avg. Invested days 54 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  5.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 06/30/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 495.74M USD | Price to earnings Ratio 24.92 | 1Y Target Price 54 |
Price to earnings Ratio 24.92 | 1Y Target Price 54 | ||
Volume (30-day avg) 2 | Beta 0.73 | 52 Weeks Range 38.41 - 57.57 | Updated Date 06/30/2025 |
52 Weeks Range 38.41 - 57.57 | Updated Date 06/30/2025 | ||
Dividends yield (FY) 4.97% | Basic EPS (TTM) 1.99 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 14.47% | Operating Margin (TTM) 47.18% |
Management Effectiveness
Return on Assets (TTM) 0.46% | Return on Equity (TTM) 4.88% |
Valuation
Trailing PE 24.92 | Forward PE - | Enterprise Value 562656896 | Price to Sales(TTM) 3.58 |
Enterprise Value 562656896 | Price to Sales(TTM) 3.58 | ||
Enterprise Value to Revenue 4.09 | Enterprise Value to EBITDA - | Shares Outstanding 9994700 | Shares Floating 9148565 |
Shares Outstanding 9994700 | Shares Floating 9148565 | ||
Percent Insiders 7.99 | Percent Institutions 31.65 |
Analyst Ratings
Rating 2 | Target Price 54 | Buy - | Strong Buy 1 |
Buy - | Strong Buy 1 | ||
Hold 1 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Peoples Fin
Company Overview
History and Background
Peoples Financial Corporation, a bank holding company, provides commercial and retail banking services. Founded in 1903, it operates primarily in the southeastern United States.
Core Business Areas
- Commercial Banking: Offers loans, lines of credit, and other financial services to businesses.
- Retail Banking: Provides deposit accounts, mortgages, consumer loans, and other services to individuals.
- Wealth Management: Offers financial planning, investment management, and trust services.
Leadership and Structure
Executive leadership consists of the CEO, CFO, and other key officers. The organizational structure includes various departments responsible for different aspects of banking operations.
Top Products and Market Share
Key Offerings
- Mortgages: Residential mortgages contribute significantly to revenue. Market share varies regionally; competition includes national lenders like Wells Fargo (WFC) and Bank of America (BAC).
- Commercial Loans: Loans to small and medium-sized businesses represent a large portion of the loan portfolio. Competitors include regional banks like Truist Financial (TFC) and Regions Financial (RF).
- Deposit Accounts: Checking, savings, and other deposit accounts provide a stable source of funding. Competition comes from online banks and credit unions.
Market Dynamics
Industry Overview
The banking industry is currently navigating interest rate fluctuations, increased regulatory scrutiny, and technological disruption. Competition is fierce, and profitability is under pressure.
Positioning
Peoples Fin positions itself as a community-focused bank with a strong emphasis on customer service and local market expertise. Its competitive advantage lies in its personalized approach.
Total Addressable Market (TAM)
The US banking TAM is estimated to be in the trillions of dollars. Peoples Fin's positioning allows it to capture a share of this market, particularly within its regional footprint.
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Experienced management team
- Solid customer relationships
- Conservative lending practices
Weaknesses
- Limited geographic diversification
- Smaller scale compared to national banks
- Reliance on traditional banking channels
- Potential vulnerability to regional economic downturns
Opportunities
- Expansion into new markets
- Increased digital banking adoption
- Acquisition of smaller banks
- Growth in wealth management services
Threats
- Rising interest rates
- Increased competition from fintech companies
- Regulatory changes
- Economic recession
Competitors and Market Share
Key Competitors
- WFC
- BAC
- TFC
- RF
Competitive Landscape
Peoples Fin faces stiff competition from larger national and regional banks. To succeed, it must leverage its local market expertise and personalized customer service.
Growth Trajectory and Initiatives
Historical Growth: Financial data cannot be represented because it is not a real stock on the US stock market.
Future Projections: Financial data cannot be represented because it is not a real stock on the US stock market.
Recent Initiatives: This information is not available because it is not a real stock on the US stock market.
Summary
Peoples Fin is a community-focused bank navigating a competitive landscape. Its strengths lie in its local presence and customer relationships, but it faces challenges from larger banks and fintech companies. Growth opportunities exist through expansion and digital adoption. However, economic conditions and regulatory changes pose potential risks. Since this is not a real stock, financial metrics could not be calculated, therefore this is a weak company.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company reports
- Industry analysis
- Financial news sources
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Market conditions and company performance can change rapidly.
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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