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PFISPeoples Financial Services CorpSell5.8·$67.12-1.34%
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Peoples Financial Services Corp (PFIS) Stock Analysis

Breakout setup · Inst Constrain edge

SellModerate Confidence

Financial Services · Banks - Regional

Sell if holding. Analyst target reached at $67.12 — A.R:R is negative (-1.6) — price has exceeded the analyst target. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Near 52-week high (2.2% away).

Peoples Financial Services Corp. operates as the bank holding company for Peoples Security Bank and Trust Company that provides commercial and retail banking services in Pennsylvania, New Jersey and New York. The company accepts deposits through money market, negotiable order of... Read more

$67.12+0.2% A.UpsideScore 5.8/10#124 of 225 Banks - Regional
QualityF-score6 / 9FCF yield
IncomeYield3.69%(5y avg 3.86%)Payout42.28%sustainable
Stop $63.34Target $67.24(resistance)A.R:R -1.6:1
Analyst target$62.00-7.6%2 analysts
$67.24our TP
$67.12price
$62.00mean
$61

Sell if holding. Analyst target reached at $67.12 — A.R:R is negative (-1.6) — price has exceeded the analyst target. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Near 52-week high (2.2% away). Chart setup: Golden cross, above all MAs, RSI 70, MACD bullish. Score 5.8/10, moderate confidence.

Passes 7/8 gates (positive momentum, clean insider activity, no SEC red flags, news events none recent, earnings proximity 26d clear, semi cycle peak clear, materials cycle peak clear). Fails on favorable risk/reward ratio. Suitability: aggressive.

TrendMatrix Research · upcoming catalyst calendar

Upcoming dated catalysts

Thu, Jul 30, 202626d to earnings· next earnings call

Thesis

Rewards
Attractive valuation
Risks
Analyst target reached - limited upside remaining
Near 52-week high (2.2% away)
Consecutive earnings misses (3)

Key Metrics

P/E (TTM)11.5
P/E (Fwd)9.2
Mkt Cap$672M
EV/EBITDA
Profit Mgn31.0%
ROE11.7%
Rev Growth6.1%
Beta0.74
Dividend3.69%
Rating analysts7

Quality Signals

Piotroski F6/9

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.

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Methodology · Editorial policy & full disclaimer

Rating Breakdown

1 floor-breaker·1 ceiling hit

No near-term catalyst priced in. Thesis progression will come from fundamentals grinding, not event reaction.static

Earnings History
0.0
Surprise Avg
2.0
Dividend Safety
4.8
Erm
5.0
Earnings Timing
5.0
Earnings concerns: 1B/3MYield trap warning: high yield but unsafe
GatesA.R:R -1.6=NEGATIVEMomentum 6.3>=5.5Insider activity: OKNo SEC red flagsNEWS EVENTS NONE RECENTEARNINGS PROXIMITY 26d clearSEMI CYCLE PEAK CLEARMATERIALS CYCLE PEAK CLEARBreakoutSuitability: Aggressive
RSI
70 · Neutral
20D MA 50D MA 200D MAGOLDEN CROSSSupport $57.93Resistance $68.61

Price Targets

$63
$67
A.Upside+0.2%
A.R:R-1.6:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeSteady

Risk Alerts

! Target reached (-21.5% upside)
! NEWS_MOD=-1: HOLD_IF_HOLDING → SELL_IF_HOLDING
! Negative risk/reward — downside exceeds upside

Earnings

B
M
M
M
1/4 beats
Next Earnings2026-07-30 (26d)

Verdict History

reverse chrono — latest first
Loading history...
Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.
Frequently Asked Questions
Is PFIS stock a buy right now?

Sell if holding. Analyst target reached at $67.12 — A.R:R is negative (-1.6) — price has exceeded the analyst target. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Near 52-week high (2.2% away). Chart setup: Golden cross, above all MAs, RSI 70, MACD bullish. Prior stop was $63.34. Score 5.8/10, moderate confidence.

What is the PFIS stock price target?

Take-profit target: $67.24 (+0.2% upside). Prior stop was $63.34. Stop-loss: $63.34.

What are the risks of investing in PFIS?

Analyst target reached - limited upside remaining; Near 52-week high (2.2% away); Consecutive earnings misses (3).

Is PFIS overvalued or undervalued?

Peoples Financial Services Corp trades at a P/E of 11.5 (forward 9.2). TrendMatrix value score: 9.1/10. Verdict: Sell.

What do analysts say about PFIS?

7 analysts cover PFIS with a consensus score of 2.3/5. Average price target: $62.

What does Peoples Financial Services Corp do?Peoples Financial Services Corp. operates as the bank holding company for Peoples Security Bank and Trust Company that...

Peoples Financial Services Corp. operates as the bank holding company for Peoples Security Bank and Trust Company that provides commercial and retail banking services in Pennsylvania, New Jersey and New York. The company accepts deposits through 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 and working capital, as well as loans for equipment and other commercial needs. In addition, the company offers fiduciary and investment services, including 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 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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