Peoples Fin (PFIS)vsWells Fargo & Company (WFC)
PFIS
Peoples Fin
$56.96
+0.65%
FINANCIAL SERVICES · Cap: $589.63M
WFC
Wells Fargo & Company
$82.23
-1.73%
FINANCIAL SERVICES · Cap: $249.77B
Smart Verdict
WallStSmart Research — data-driven comparison
Wells Fargo & Company generates 43151% more annual revenue ($81.14B vs $187.59M). PFIS leads profitability with a 31.6% profit margin vs 26.7%. PFIS appears more attractively valued with a PEG of 1.31. PFIS earns a higher WallStSmart Score of 75/100 (B).
PFIS
Strong Buy75
out of 100
Grade: B
WFC
Strong Buy74
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 32 of every $100 in revenue as profit
Strong operational efficiency at 42.2%
Earnings expanding 97.0% YoY
Mega-cap, among the largest globally
Keeps 27 of every $100 in revenue as profit
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 29.4%
Generating 9.1B in free cash flow
Areas to Watch
Smaller company, higher risk/reward
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : PFIS
The strongest argument for PFIS centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 31.6% and operating margin at 42.2%. Revenue growth of 12.2% demonstrates continued momentum.
Bull Case : WFC
The strongest argument for WFC centers on Market Cap, Profit Margin, P/E Ratio. Profitability is solid with margins at 26.7% and operating margin at 29.4%. PEG of 1.45 suggests the stock is reasonably priced for its growth.
Bear Case : PFIS
The primary concerns for PFIS are Market Cap.
Bear Case : WFC
The primary concerns for WFC are Altman Z-Score.
Key Dynamics to Monitor
WFC carries more volatility with a beta of 1.06 — expect wider price swings.
PFIS is growing revenue faster at 12.2% — sustainability is the question.
WFC generates stronger free cash flow (9.1B), providing more financial flexibility.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
PFIS scores higher overall (75/100 vs 74/100), backed by strong 31.6% margins and 12.2% revenue growth. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Peoples Fin
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Peoples Financial Services Corp. The company is headquartered in Scranton, Pennsylvania.
Wells Fargo & Company
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Wells Fargo & Company is an American multinational financial services company with corporate headquarters in San Francisco, California, operational headquarters in Manhattan, and managerial offices throughout the United States and overseas.
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