Peoples Financial Services

PFIS

Banks - Regional · Financial Services

Price

$68.73

-1.35 (-1.93%)

Market Cap

$688.0M

Exchange

NASDAQ

Winston Score

Winston is curious

A decent business — some strong pillars, some weaker.

Share count rising — dilution

+39.2% over 4y

The company has issued more shares over this period, which dilutes each existing shareholder’s stake.

Diluted shares outstanding: 7.2M (2021) → 10.1M (2025)

Peoples Financial Services Corp. is a regional bank holding company based in northeastern Pennsylvania. It operates through Peoples Security Bank and Trust, offering everyday banking services like checking and savings accounts, loans, and mortgages to individuals and small-to-midsize businesses in Pennsylvania and nearby states.

The company makes money primarily through net interest income — the difference between what it earns on loans and what it pays on deposits — along with fees from banking services. It operates a network of branches concentrated in Pennsylvania, with a market cap of roughly $600 million, making it a small community-focused bank. Its competitive edge comes from deep local relationships and knowledge of its regional markets, which larger national banks often lack. The main risk the business faces is rising or volatile interest rates, which can squeeze the gap between lending and deposit costs and put pressure on profitability.

Winston Score History

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+5.3% YoY

YoY Growth Rate

Slow revenue growth

EPS Growth

-2.0% YoY

YoY Growth Rate

Earnings declining

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

8.4%ownership

→ Flat

Insiders holding steady — not selling despite ability to

Cash Position

Cash flow positive

$59M cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

Company generates more cash than it spends — no dilution risk from fundraising

Growth context

Peoples Financial Services is growing revenue at 5% year-over-year. The Winston Score measures business quality today — these growth metrics show what could matter tomorrow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Gross Margin

67.6%

Premium pricing power — 67.6% gross margin

Operating Margin

25.9%

Excellent — 25.9% operating margin

ROCE

2.2%

Weak — 2.2% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

+11.6%

Steady sales growth (11.6% YoY)

EPS YoY

+174.4%

Earnings growing fast (174.4% YoY)

Earnings growing 25%+ a year. The compounder zone.

EPS Consistency

6/8 quarters

Earnings grew in most of the last 8 quarters

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Cash Flow

Cash Conversion

91%

Modest — 91% of profit becomes cash

FCF Margin

14.5%

Converts sales into free cash efficiently (14.5%)

FCF margin between 10% and 20%. Every $100 in sales becomes $10 to $20 in real cash.

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Stability

Debt / Equity

0.60

Conservative — low debt load (0.60)

Interest Cover

0.78x

Dangerous — barely covers interest (0.8x)

Interest coverage below 1. Their profits don't cover the interest bill.

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Valuation

P/E Ratio (TTM)

11.6x

Attractive valuation — P/E 11.6

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

P/E vs Forward

+1.3

GROWING

Earnings expected to grow — slightly cheaper on forward P/E

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Dividends

Dividend Yield

3.70%

Moderate income — 3.70% yield

Standard yield zone for stable dividend payers. A meaningful piece of total return.

Dividend Growth

+0.6%

Dividend flat

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