PFIS Valuation

Peoples Financial Services Corp

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47.140

+0.055(0.117%)1D

PFIS Relative Valuation

PFIS's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, PFIS is overvalued; if below, it's undervalued.

Historical Valuation

Peoples Financial Services Corp (PFIS) is now in the Fair zone, suggesting that its current forward PE ratio of 7.61 is considered Fairly compared with the five-year average of 7.79. The fair price of Peoples Financial Services Corp (PFIS) is between 30.19 to 74.34 according to relative valuation methord.

Relative Value

Fair Zone

30.19-74.34

Current Price：47.14

Fair

7.61

Trailing

Forward

0.00

EV/EBITDA

Peoples Financial Services Corp. (PFIS) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.

0.00

EV/EBIT

Peoples Financial Services Corp. (PFIS) has a current EV/EBIT of 0.00. The 5-year average EV/EBIT is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBIT of 0.00 falls within the Strongly Undervalued range.

47.09

Peoples Financial Services Corp. (PFIS) has a current PS of 47.09. The 5-year average PS is 2.63. The thresholds are as follows: Strongly Undervalued below -6.76, Undervalued between -6.76 and -2.07, Fairly Valued between 7.32 and -2.07, Overvalued between 7.32 and 12.02, and Strongly Overvalued above 12.02. The current Forward PS of 47.09 falls within the Strongly Overvalued range.

0.00

P/OCF

Peoples Financial Services Corp. (PFIS) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.

0.00

P/FCF

Peoples Financial Services Corp. (PFIS) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.

Peoples Financial Services Corp (PFIS) has a current Price-to-Book (P/B) ratio of 0.92. Compared to its 3-year average P/B ratio of 0.98 , the current P/B ratio is approximately -5.63% higher. Relative to its 5-year average P/B ratio of 1.01, the current P/B ratio is about -8.32% higher. Peoples Financial Services Corp (PFIS) has a Forward Free Cash Flow (FCF) yield of approximately 0.10%. Compared to its 3-year average FCF yield of 8.10%, the current FCF yield is approximately -98.79% lower. Relative to its 5-year average FCF yield of 9.12% , the current FCF yield is about -98.92% lower.

0.92

P/B

Median3y

0.98

Median5y

1.01

0.10

FCF Yield

Median3y

8.10

Median5y

9.12

Competitors Valuation Multiple

The average P/S ratio for PFIS's competitors is 33.83, providing a benchmark for relative valuation. Peoples Financial Services Corp Corp (PFIS) exhibits a P/S ratio of 47.09, which is 39.20% above the industry average. Given its robust revenue growth of 5.27%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

P/S

Revenue Growth

Market Cap

PFIS.O

Peoples Financial Services Corp

Bridgewater Bancshares Inc

Peapack-Gladstone Financial Corp

GBank Financial Holdings Inc

35.42

506.08M

COFS.O

ChoiceOne Financial Services Inc

29.44

84.97%

442.30M

Performance Decomposition

Market capitalization of PFIS decreased by 13.59% over the past 1 year. The primary factor behind the change was an increase in P/E Change from 1.73 to 8.89.

The secondary factor is the Revenue Growth, contributed 5.27%to the performance.

Overall, the performance of PFIS in the past 1 year is driven by P/E Change. Which is more unsustainable.

5.27%

44.42M → 46.76M

Revenue Growth

-434.12%

-9.76 → 32.61

Margin Expansion

415.26%

1.73 → 8.89

P/E Change

-13.59%