PEOPLES FINANCIAL SERVICES CORP.(PFIS)Stock Analysis
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Pending next ranking run
This company passes all size and coverage filters but hasn't been included in the latest quarterly ranking run. Rankings refresh on Jan 1, Apr 1, Jul 1, Oct 1.
Financial data, filings, and institutional holdings below are still tracked in full — only the proprietary quality composite is unavailable for this name.
PFIS Stock Analysis & AI Quality Score
AI stock analysis and institutional research for PEOPLES FINANCIAL SERVICES CORP. (PFIS), a Financials sector company. PFIS is not currently included in 13F Pro's AI-ranked quality universe — this company passes all size and coverage filters but hasn't been included in the latest quarterly ranking run. rankings refresh on jan 1, apr 1, jul 1, oct 1. Based on the latest XBRL financial filings (Q1 2026), PEOPLES FINANCIAL SERVICES CORP. reports quarterly revenue of $49.8M, net income of $14.7M, an operating margin of 37.2%. Top institutional holders of PFIS by reported 13-F value include BlackRock,, VANGUARD CAPITAL MANAGEMENT, DIMENSIONAL FUND ADVISORS, based on the most recent SEC filings. PFIS trades on the Nasdaq exchange and files with the SEC under CIK 1056943. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate PFIS daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for PEOPLES FINANCIAL SERVICES CORP. directly from SEC EDGAR.
Revenue
Q1 2026
$49.8M
Net Income
Q1 2026
$14.7M
Free Cash Flow
Q1 2026
$6.5M
Operating Margin
Q1 2026
37.2%
Revenue & Net Income
Earnings Per Share
Key Financials Over Time
Export Financial Table · Pro+Net Income
+116.2% YoYEPS (Diluted)
+53.5% YoYTotal Assets
+40.8% YoYTotal Debt
+86.0% YoYOp. Cash Flow
+63.2% YoY| Metric | FY 2025 | FY 2023 | FY 2022 | FY 2019 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|
| Net Income | $59.2M +116.2% | $27.4M -28.1% | $38.1M +48.0% | $25.7M +39.4% | $18.5M -5.7% | $19.6M |
| EPS (Diluted) | $5.88 +53.5% | $3.83 -27.5% | $5.28 +52.2% | $3.47 +38.8% | $2.50 -5.7% | $2.65 |
| Total Assets | $5.27B +40.8% | $3.74B +5.3% | $3.55B +43.6% | $2.48B +14.1% | $2.17B +8.5% | $2.00B |
| Total Debt | $32.7M +86.0% | $17.6M -84.7% | $114.9M -37.8% | $184.9M +6.6% | $173.4M +23.1% | $140.8M |
| Operating Cash Flow | $54.3M +63.2% | $33.3M -21.5% | $42.4M +14.2% | $37.1M +29.7% | $28.6M +1.9% | $28.1M |
AI Insight: PFIS Financial Trends
Net income stabilized near $15M per quarter over the past year, while equity steadily expanded to $526M — but a sharp debt spike in Q1 2026 warrants close attention.
• Net income recovered sharply from -$4M in Q3 2024 to $15–$17M range across Q1–Q3 2025, signaling improved earnings stability.
• Equity grew consistently from $341M in Q2 2024 to $526M in Q1 2026, a gain of $185M over seven quarters.
• Total debt plunged from $104M in Q2 2024 to $15M by Q1 2025 before rebounding sharply to $179M in Q1 2026.
⚠ Total debt surged to $179M in Q1 2026 — highest in the dataset — reversing a multi-quarter deleveraging trend.
⚠ Operating cash flow fell to $8M in Q1 2026 from $16M in Q4 2025, the weakest reading in three quarters.
AI Insight: PFIS Ratio Trends
PFIS staged a sharp recovery from a Q3 2024 loss quarter, but ROE and ROIC have been drifting lower since peaking in Q2 2025.
• ROE swung from -3.6% in Q3 2024 to a peak of 13.7% in Q2 2025, signaling a strong post-loss rebound.
• ROE has declined four consecutive quarters from 13.7% in Q2 2025 to 11.2% in Q1 2026.
• ROIC dropped from 14.7% in Q1 2025 to 10.5% in Q1 2026, a contraction of roughly 4 percentage points.
• D/E spiked to 0.34 in Q1 2026 after sitting near 0.03–0.15 for the prior four quarters, a notable leverage jump.
⚠ D/E ratio jumped to 0.34 in Q1 2026 — highest in the dataset — worth monitoring for sustainability and funding cost pressure.
⚠ ROA has slipped from 1.3% in Q2 2025 to 1.1% in Q1 2026; continued erosion would pressure earnings quality.
⚠ Whether the Q3 2024 loss was truly a one-off remains key; any recurrence would sharply reset profitability expectations.
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Available Research
13F Pro tracks comprehensive data for PEOPLES FINANCIAL SERVICES CORP. including:
Top Institutional Holders of PFIS
BlackRock, Inc.
$33.8M634,696 shVANGUARD CAPITAL MANAGEMENT LLC
$20.9M392,034 shDIMENSIONAL FUND ADVISORS LP
$16.9M316,621 shGEODE CAPITAL MANAGEMENT, LLC
$12.6M235,370 shSTATE STREET CORP
$10.7M200,435 shAMERICAN CENTURY COMPANIES INC
$6.3M119,027 shPEOPLES FINANCIAL SERVICES CORP.
$4.9M91,041 shBRIDGEWAY CAPITAL MANAGEMENT, LLC
$4.2M78,711 shNORTHERN TRUST CORP
$4.0M74,173 shVANGUARD FIDUCIARY TRUST CO
$3.3M61,176 sh
| Fund | Value | Shares |
|---|---|---|
| BlackRock, Inc. | $33.8M | 634,696 |
| VANGUARD CAPITAL MANAGEMENT LLC | $20.9M | 392,034 |
| DIMENSIONAL FUND ADVISORS LP | $16.9M | 316,621 |
| GEODE CAPITAL MANAGEMENT, LLC | $12.6M | 235,370 |
| STATE STREET CORP | $10.7M | 200,435 |
| AMERICAN CENTURY COMPANIES INC | $6.3M | 119,027 |
| PEOPLES FINANCIAL SERVICES CORP. | $4.9M | 91,041 |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | $4.2M | 78,711 |
| NORTHERN TRUST CORP | $4.0M | 74,173 |
| VANGUARD FIDUCIARY TRUST CO | $3.3M | 61,176 |
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Popular Research
Is PFIS a good stock to buy?
13F Pro's AI-powered analysis of PEOPLES FINANCIAL SERVICES CORP. (PFIS) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for PFIS are available on the PFIS stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.
Which hedge funds own PFIS?
Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling PFIS. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of PEOPLES FINANCIAL SERVICES CORP.'s investment landscape.