What is the 13F Pro Quality Score for PFIS?

13F Pro ranks PEOPLES FINANCIAL SERVICES CORP. (PFIS) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View PFIS's current score at https://13fpro.ai/company/PFIS (free sign-up required for the full ranking).

Where does 13F Pro source PFIS data?

All PEOPLES FINANCIAL SERVICES CORP. fundamentals and ownership data come directly from SEC EDGAR. PEOPLES FINANCIAL SERVICES CORP. files with the SEC under CIK 1056943. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is PFIS in?

PEOPLES FINANCIAL SERVICES CORP. (PFIS) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

What drives PFIS's revenue?

Per PEOPLES FINANCIAL SERVICES CORP.'s latest 10-Q filed with the SEC on 2026-08-07, the biggest revenue drivers are: Net interest income ($45.6M, +8% YoY); Noninterest income ($6.5M, +5% YoY). Figures are extracted from the filing text and machine-verified against the document. Full breakdown at https://13fpro.ai/company/PFIS.

How often is PFIS research updated on 13F Pro?

PFIS's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

PEOPLES FINANCIAL SERVICES CORP.(PFIS)Stock Analysis

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SEC EDGAR: CIK 1056943 PFIS stock profile & AI dashboard →

13F Pro Quality Score

70.0/100

Rank #237 of 2,961 stocksTOP 10%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.

Revenue Growth

92.2/100

Profitability

91.9/100

Balance Sheet

43.5/100

Earnings Quality

29.5/100

Free Cash Flow

76.6/100

Institutional Flow

72.5/100

Revenue Scale

23.5/100

Dilution Risk

85.8/100

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Why PFIS Scores 70/100

exact factor attribution · 2026-09-11

PFIS's composite is driven by revenue growth and profitability, held back by scale and earnings quality. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Revenue growth

+11.3 pts

92th pct

Profitability

+8.4 pts

92th pct

Free cash flow

+4.0 pts

77th pct

Earnings growth

+2.6 pts

89th pct

Shareholder dilution

+2.4 pts

86th pct

Institutional flow

+1.5 pts

73th pct

Capital efficiency

-0.9 pts

44th pct

Earnings quality

-2.0 pts

30th pct

Scale

-5.3 pts

24th pct

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

PFIS Stock Analysis & AI Quality Score

Data updated 2026-09-11

AI stock analysis and institutional research for PEOPLES FINANCIAL SERVICES CORP. (PFIS), a Financials sector company. 13F Pro's AI-powered ranking engine scores PFIS at 70.0/100 on a 32-signal composite quality model, placing it at rank #237 of 2,961 stocks — the top 10% of the AI-ranked universe. PFIS scores in the top quartile across revenue growth (92.2), profitability (91.9), free cash flow (76.6). Areas of concern include revenue scale (23.5) and earnings quality (29.5), which score below median versus the broader universe. Based on the latest XBRL financial filings (Q2 2026), PEOPLES FINANCIAL SERVICES CORP. reports quarterly revenue of $52.1M, net income of $14.8M, an operating margin of 35.3%. 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. PEOPLES FINANCIAL SERVICES CORP.'s 13F Pro composite quality score has ranged between 36 and 70 since 2026, currently 70.0 — an improving long-term trajectory across 8 quarterly and live scoring snapshots.

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Fun facts about PEOPLES FINANCIAL SERVICES CORP.

Quirks, history, and lore behind PFIS — the kind of stuff that makes a stock memorable.

1
The Basics
A community bank holding company · small-cap · listed on Nasdaq · headquartered in northeastern Pennsylvania.
2
The Numbers
Total assets in the neighborhood of $4–5 billion — big enough to matter locally, small enough that Wall Street barely notices. Net interest income is the lifeblood.
3
The History
Rooted in the 19th century, the company grew by serving the working communities of the Susquehanna Valley — miners, manufacturers, and Main Street merchants long before 'community banking' was a buzzword.
4
The Secret
It operates almost entirely through its flagship subsidiary bank, offering the usual spread of consumer and commercial loans, deposits, and wealth management — no exotic fintech pivots here.
5
The Lore
Its footprint hugs the Scranton–Wilkes-Barre corridor — a region more famous for a certain TV mockumentary than for high finance — making it a cornerstone lender in an often-overlooked market.
6
The Giveaway
If your ticker is PFIS and your bank is called Peoples Security Bank and Trust, serving the hard-working folks of the Scranton, PA area for well over a century, congratulations — you've been found.

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What's Driving PFIS's Business? Latest 10-Q Breakdown

AI-extracted from PEOPLES FINANCIAL SERVICES CORP.'s 10-Q filed 2026-08-07 — Q2 FY2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.

Net income fell to $14.8M ($1.48/diluted share) from $17.0M a year ago as a $3.1M credit-loss provision tied to strong loan growth outweighed higher net interest income.

Biggest Revenue Drivers

Net interest income$45.6M+8% YoY

Higher volume of earning assets, primarily loans, and lower deposit costs partially offset by lower loan yields

Noninterest income$6.5M+5% YoY

Gain on sale of a branch property plus increases in wealth management and mortgage banking income

Biggest Revenue Drivers

Net interest income$45.6M+8% YoY

Higher volume of earning assets, primarily loans, and lower deposit costs partially offset by lower loan yields

Noninterest income$6.5M+5% YoY

Gain on sale of a branch property plus increases in wealth management and mortgage banking income

Largest Expense Items

Salaries and employee benefits expense$15.1M+9.6% YoY

Annual merit increases and higher benefit costs

Net occupancy and equipment expense$7.3M+16.8% YoY

Higher leasing costs and data processing expenses

Provision for credit losses$3.1Mvs. a $0.2M benefit in Q2 2025

Impact of significant loan growth during the quarter

Margins: FTE net interest margin rose 13 bps YoY to 3.82% on lower deposit costs and higher earning-asset volumes, but the efficiency ratio worsened to 55.16% from 53.92% as noninterest expense growth outpaced revenue.

Watch Items from the Filing

Nonaccrual loans rose to $13.7M from $10.8M at year-end, driven by one commercial relationship (two loans) placed on nonaccrual at quarter-end.
Provision for credit losses swung to $3.1M from a $0.2M benefit a year ago, reflecting rapid loan growth (loans up 11.7% annualized) that could pressure reserves further.
Brokered time deposits jumped to $347.7M (7.7% of deposits) as the Company offset cyclical municipal deposit outflows, raising funding cost/concentration risk.
Estimated uninsured deposits were approximately $1.4 billion, or 31.0% of total deposits, at June 30, 2026.

AI-extracted and verified against SEC EDGAR filing text. Not investment advice.

Read the full 10-Q on SEC EDGAR →Share on X

Revenue

Q2 2026

$52.1M

Net Income

Q2 2026

$14.8M

Free Cash Flow

Q2 2026

$12.2M

Operating Margin

Q2 2026

35.3%

ROIC

Q2 2026

11.9%

D/E Ratio

Q2 2026

0.16

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

$187.7MFY 2025

FY22 $107.6MFY23 $100.9MFY24 —FY25 $187.7M

Net Income

+596.5% YoY

$59.2MFY 2025

FY22 $38.1MFY23 $27.4MFY24 $8.5MFY25 $59.2M

EPS (Diluted)

+493.9% YoY

$5.88FY 2025

FY22 $5.28FY23 $3.83FY24 $0.99FY25 $5.88

Total Assets

+3.5% YoY

$5.27BFY 2025

FY22 $3.55BFY23 $3.74BFY24 $5.09BFY25 $5.27B

Total Debt

+105.8% YoY

$32.7MFY 2025

FY22 $114.9MFY23 $17.6MFY24 $15.9MFY25 $32.7M

Op. Cash Flow

+56.3% YoY

$54.3MFY 2025

FY22 $42.4MFY23 $33.3MFY24 $34.7MFY25 $54.3M

Free Cash Flow

+34.8% YoY

$43.3MFY 2025

FY22 $34.5MFY23 $27.3MFY24 $32.1MFY25 $43.3M

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$187.7M	—	$100.9M -6.2%	$107.6M -2.4%	$110.3M +14.3%	$96.4M
Net Income	$59.2M +596.5%	$8.5M -69.0%	$27.4M -28.1%	$38.1M -12.5%	$43.5M +48.3%	$29.4M
EPS (Diluted)	$5.88 +493.9%	$0.99 -74.2%	$3.83 -27.5%	$5.28 -12.3%	$6.02 +50.5%	$4.00
Total Assets	$5.27B +3.5%	$5.09B +36.1%	$3.74B +5.3%	$3.55B +5.5%	$3.37B +16.8%	$2.88B
Total Debt	$32.7M +105.8%	$15.9M -9.6%	$17.6M -84.7%	$114.9M	$0.00 -100.0%	$50.0M
Operating Cash Flow	$54.3M +56.3%	$34.7M +4.4%	$33.3M -21.5%	$42.4M +3.9%	$40.8M +9.7%	$37.2M
Free Cash Flow	$43.3M +34.8%	$32.1M +17.6%	$27.3M -20.9%	$34.5M -3.8%	$35.9M +2.9%	$34.9M

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Available Research

13F Pro tracks comprehensive data for PEOPLES FINANCIAL SERVICES CORP. including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of PFIS

BlackRock, Inc.
$49.4M744,487 sh
VANGUARD CAPITAL MANAGEMENT LLC
$26.8M403,159 sh
DIMENSIONAL FUND ADVISORS LP
$22.5M339,265 sh
GEODE CAPITAL MANAGEMENT, LLC
$16.6M249,636 sh
STATE STREET CORP
$14.1M212,476 sh
AMERICAN CENTURY COMPANIES INC
$13.5M202,754 sh
PEOPLES FINANCIAL SERVICES CORP.
$6.0M90,401 sh
NORTHERN TRUST CORP
$5.7M86,119 sh
BRIDGEWAY CAPITAL MANAGEMENT, LLC
$5.5M82,968 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$5.2M78,816 sh

Fund	Value	Shares
BlackRock, Inc.	$49.4M	744,487
VANGUARD CAPITAL MANAGEMENT LLC	$26.8M	403,159
DIMENSIONAL FUND ADVISORS LP	$22.5M	339,265
GEODE CAPITAL MANAGEMENT, LLC	$16.6M	249,636
STATE STREET CORP	$14.1M	212,476
AMERICAN CENTURY COMPANIES INC	$13.5M	202,754
PEOPLES FINANCIAL SERVICES CORP.	$6.0M	90,401
NORTHERN TRUST CORP	$5.7M	86,119
BRIDGEWAY CAPITAL MANAGEMENT, LLC	$5.5M	82,968
VANGUARD PORTFOLIO MANAGEMENT LLC	$5.2M	78,816

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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. PFIS is classified as a small company.

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.