profit from every $100 of sales.
$0$100
Peoples Financial Services
$72.69-0.22% today
+54.5% in 1 year
1-year low $46.141-year high $74.92
Trading close to its highest price of the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $12.30 for every $1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What Peoples Financial Services sold, what it kept, and what it did with the cash.
Sales went from $108 million in 2022 to $188 million in 2025, with $59.2 million of profit last year.
SalesProfit
Peoples Financial Services handed back 57% of the cash it generated last year.
$25M
Free cash flow 2025$43M
Bought back its own shares–
Paid as dividends$25M
Cash vs. debt$68M vs. $258M
Peoples Financial Services vs. similar companies
Peoples Financial Services grows in the middle of these 5 and is priced in the middle for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| Peoples Financial Services | 12.3× · Cheap | ||
 China Merchants Bank | 7.7× · Cheap | ||
 DBS Group Holdings | 18.2× · Fair price | ||
 UniCredit | 11.5× · Cheap | ||
 HDFC Bank | 18.6× · Fair price |
AI analysis
An AI analyst reads Peoples Financial Services's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 108 | 101 | 134 | 188 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 38 | 27 | 8 | 59 | |
| 5.28 | 3.83 | 0.99 | 5.88 | |
| – | – | – | – | |
| – | – | – | – | |
| 35.2% | 27.1% | 6.3% | 31.5% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 3,554 | 3,742 | 5,092 | 5,271 |
| Cash | 38 | 43 | 56 | 68 |
| Total debt | 148 | 76 | 156 | 258 |
| Total liabilities | 3,238 | 3,402 | 4,623 | 4,751 |
| 315 | 340 | 469 | 520 | |
| 7 | 7 | 9 | 10 | |
| – | – | – | – | |
| 12.1% | 8.0% | 1.8% | 11.4% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 42 | 33 | 35 | 54 | |
| 8 | 6 | 3 | 11 | |
| 35 | 27 | 32 | 43 | |
| Dividends paid | 11 | 12 | 18 | 25 |
| 1 | 6 | – | – | |
| 1 | 1 | 1 | 0 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 12.3×
- 11.1×
- 3.37
- 1.1×
- 3.9×
- 8.1%
- 4.1%
Profitability
- 31.5%
- 20.7%
- 7.1%
- 11.5%
- 1.1%
Growth
- +20.2%
- +3.7%
- +11.4%
- +8.4%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Top 8%of 667
Top 39%of 522
Top 42%of 903
Top 21%of 911
Top 45%of 939
What analysts expect
- Average price target
- $56.00
- Range
- $56.00 – $56.00
- 1 analysts
These targets were collected on May 20, 2026 and our analyst feed has not updated since, so we no longer compare them with today's price.
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Apr 30, 2026 | 1.43 | 1.54 | −7.1% |
| Feb 5, 2026 | 1.36 | 1.52 | −10.5% |
| Oct 30, 2025 | 4.71 | 1.52 | +209.9% |
| Jul 31, 2025 | 1.69 | 1.55 | +9.0% |
| May 1, 2025 | 1.51 | 1.33 | +13.5% |
| Mar 28, 2025 | 0.61 | – | – |
| Nov 5, 2024 | 1.64 | 1.08 | +51.9% |
| Jul 25, 2024 | 0.59 | 0.52 | +13.5% |
4.1%of the share price, paid each year
On $1,000 invested$41a year at today's yield, before tax
+11.4%2020 to 2025
Raised9 yearsin a row, in our data
Paid per share, each year
$1.24 in 2015 → $2.47 in 2025
How safe it looks
41.6% of its profit
Room to growStretchedMore than it earns: 56.9%
News
Peoples declares $0.36 dividendSeeking Alpha · Oct 29, 2026Peoples Bancorp gets regulatory green light for Citizens National mergerSeeking Alpha · Sep 29, 2026Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
2/7Passes 2 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
51No pass
Benjamin Graham
73Pass
Philip Fisher
60Pass
Peter Lynch
36No pass
Joel Greenblatt
43No pass
Charlie Munger
49No pass
Terry Smith
45No pass
Questions about Peoples Financial Services
Is Peoples Financial Services a good stock to buy?
A strong, very profitable business, and the price looks low. 2 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Peoples Financial Services AI analysis
What does Peoples Financial Services do?
Peoples Financial Services Corp. operates as the bank holding company for Peoples Security Bank and Trust Company that provides various commercial and retail banking services. It is in Banks - Regional.
Does Peoples Financial Services pay a dividend?
Yes. At today's price the dividend is 4.1% a year, about 42% of its yearly profit. In 2025 it paid out $24.6 million in dividends.
Is Peoples Financial Services stock halal?
No. Peoples Financial Services does not pass our halal screen: its main business, banking, is not permitted. How we check
How has Peoples Financial Services stock done over the past year?
Up 54.5% over the past twelve months, to $72.69. It traded between $46.14 and $74.92 and is 3.0% below its high.
Who are Peoples Financial Services's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with Peoples Financial Services's.
Prices: daily closes to Nov 13, 2026. Fundamentals: company reports via invest-like data.