Peoples Fin (PFIS) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Peoples Fin stock (PFIS) is currently trading at $52.59. Peoples Fin PE ratio is 8.97. Peoples Fin PS ratio (Price-to-Sales) is 2.81. Analyst consensus price target for PFIS is $57.50. WallStSmart rates PFIS as Buy.
- PFIS PE ratio analysis and historical PE chart
- PFIS PS ratio (Price-to-Sales) history and trend
- PFIS intrinsic value — DCF, Graham Number, EPV models
- PFIS stock price prediction 2025 2026 2027 2028 2029 2030
- PFIS fair value vs current price
- PFIS insider transactions and insider buying
- Is PFIS undervalued or overvalued?
- Peoples Fin financial analysis — revenue, earnings, cash flow
- PFIS Piotroski F-Score and Altman Z-Score
- PFIS analyst price target and Smart Rating
Peoples Fin
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PFIS Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Peoples Fin (PFIS)
PFIS trades at a significant discount to its Graham intrinsic value of $275.18, offering a 80% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Peoples Fin (PFIS) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in peg ratio, operating margin, price/book. Overall metrics suggest strong investment potential with favorable risk/reward.
Peoples Fin (PFIS) Key Strengths (5)
Keeps $42 of every $100 in revenue after operating costs
Trading below book value, meaning the market prices it less than net assets
Earnings per share surging 97.00% year-over-year
Keeps $32 of every $100 in revenue as net profit
Good growth relative to its price
Supporting Valuation Data
Peoples Fin (PFIS) Areas to Watch (5)
Small-cap company with higher risk but more growth potential
Moderate profitability with room for improvement
Revenue is fairly priced at 2.81x sales
Solid revenue growth at 12.20% per year
Moderate institutional interest at 31.06%
Peoples Fin (PFIS) Detailed Analysis Report
Overall Assessment
This company scores 77/100 in our Smart Analysis, earning a B+ grade. Out of 10 metrics analyzed, 5 register as strengths (avg 9.6/10) while 5 fall into concern territory (avg 5.6/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on Operating Margin, Price/Book, EPS Growth. Valuation metrics including PEG Ratio (1.31), Price/Book (0.99) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 42.20%, Profit Margin at 31.60%. Growth metrics are encouraging with EPS Growth at 97.00%.
The Bear Case
The primary concerns are Market Cap, Return on Equity, Price/Sales. Some valuation metrics including Price/Sales (2.81) suggest expensive pricing. Growth concerns include Revenue Growth at 12.20%, which may limit upside. Profitability pressure is visible in Return on Equity at 12.00%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Market Cap improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 12.00% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 12.20% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. Strengths and concerns are roughly balanced. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of Operating Margin and Price/Book makes a compelling case at current levels. The key risk is Market Cap, but the overall fundamental picture is positive with a clear path to maintaining or improving the current B+ grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
PFIS Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
PFIS's Price-to-Sales ratio of 2.81x trades at a deep discount to its historical average of 6.58x (2th percentile). The current valuation is 77% below its historical high of 12.35x set in Sep 2007, and 2% above its historical low of 2.75x in Mar 2026.
WallStSmart Analysis Synopsis
Data-driven financial summary for Peoples Fin (PFIS) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Peoples Fin is a mature, profitable business with steady cash generation. Revenue reached 188M with 12% growth year-over-year. Profit margins are strong at 31.6%, reflecting pricing power and operational efficiency.
Key Findings
Profit margin of 31.6% and operating margin of 42.2% demonstrate strong pricing power and operational efficiency.
Generating 7M in free cash flow and 16M in operating cash flow. Earnings are translating into actual cash generation.
What to Watch Next
Dividend sustainability with a current yield of 4.8%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Peoples Fin.
Bottom Line
Peoples Fin is a well-established business delivering consistent profitability with 31.6% margins. The growth phase may be slowing, but strong cash generation and operational efficiency make it suitable for investors seeking reliability over excitement.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions(61 last 3 months)
| Insider | Type | Shares |
|---|---|---|
LOCHEN, RICHARD S JR Director | Sell | -100 |
Data sourced from SEC Form 4 filings
Last updated: 12:58:59 PM
About Peoples Fin(PFIS)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Peoples Financial Services Corp. The company is headquartered in Scranton, Pennsylvania.