PFIS
Peoples Financial Services
PE ratio, current and historical analysis
- Stocks
- Financial Services
- NASDAQ: PFIS
- PE Ratio
As at Jul 31, 2026, the PFIS stock has a PE ratio of 11.93. This is based on the current EPS of $5.9 and the stock price of $70.36 per share. An increase of 18% has been seen in the P/E ratio compared to the average of 10.1 of the last 4 quarters.
PFIS PE ratio history
The mean historical PE ratio of Peoples Financial Services over the last ten years is 14.27. The current 11.93 PE ratio is 16% below the historical average. Over the past ten years, PFIS's PE ratio was at its highest in the Dec 2024 quarter at 51.18, with a price of $51.18 and an EPS of $1. The Sep 2022 quarter recorded the bottom point at 7.41, with a price of $46.84 and an EPS of $6.32.
Peoples Financial Services PE ratio by year
Maximum annual increase: 304.58% in 2024
Maximum annual decrease: -83.92% in 2025
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| 2025 | 8.23 | -83.92% | $48.71 | $5.92 |
| 2024 | 51.18 | 304.58% | $51.18 | $1 |
| 2023 | 12.65 | 29.61% | $48.7 | $3.85 |
| 2022 | 9.76 | 12.06% | $51.84 | $5.31 |
| 2021 | 8.71 | -4.7% | $52.69 | $6.05 |
| 2020 | 9.14 | -36.83% | $36.76 | $4.02 |
| 2019 | 14.47 | 10.71% | $50.35 | $3.48 |
| 2018 | 13.07 | -29.84% | $44.06 | $3.37 |
| 2017 | 18.63 | 1.36% | $46.58 | $2.5 |
| 2016 | 18.38 | 13.88% | $48.7 | $2.65 |
| 2015 | 16.14 | -23.98% | $38.08 | $2.36 |
| 2014 | 21.23 | N/A | $49.68 | $2.34 |
| 2013 | N/A | N/A | N/A | $1.21 |
| 2012 | N/A | N/A | N/A | $2.37 |
| 2011 | N/A | N/A | N/A | $2.36 |
Peoples Financial Services PE ratio by quarter (TTM)
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| Mar 2026 | 9.04 | 9.84% | $53.33 | $5.9 |
| Dec 2025 | 8.23 | -8.04% | $48.71 | $5.92 |
| Sep 2025 | 8.95 | -37.1% | $48.61 | $5.43 |
| Jun 2025 | 14.23 | -28.31% | $49.37 | $3.47 |
| Mar 2025 | 19.85 | -61.22% | $44.47 | $2.24 |
| Dec 2024 | 51.18 | 14.62% | $51.18 | $1 |
| Sep 2024 | 44.65 | 138.26% | $46.88 | $1.05 |
| Jun 2024 | 18.74 | 42.62% | $45.54 | $2.43 |
| Mar 2024 | 13.14 | 3.87% | $43.11 | $3.28 |
| Dec 2023 | 12.65 | 45.07% | $48.7 | $3.85 |
| Sep 2023 | 8.72 | 0.35% | $40.1 | $4.6 |
| Jun 2023 | 8.69 | 0.58% | $43.79 | $5.04 |
| Mar 2023 | 8.64 | -11.48% | $43.35 | $5.02 |
| Dec 2022 | 9.76 | 31.71% | $51.84 | $5.31 |
| Sep 2022 | 7.41 | -17.85% | $46.84 | $6.32 |
PFIS Price vs fair value
PFIS average PE ratio chart
What this chart measures
The Historical Valuation Regime chart shows where the stock's current valuation sits relative to its own historical valuation range over the selected lookback period.
This is a history-relative tool, not a market-relative percentile. It does not compare the stock to other companies. Instead, it compares each historical valuation reading to the stock's own past readings.
Percentile logic
The threshold lines are calculated them from the stock's real historical values using percentile interpolation. That is why some colored bands are narrow while others are wide: the band widths reflect how the stock actually traded through time.
Regime map
| Historical percentile | Regime | Chart meaning |
|---|---|---|
| 0-10 | Historically Low | Deep cheap zone |
| >10-25 | Below Average | Cheap relative to history |
| >25-75 | Average | Within the normal historical range |
| >75-90 | Above Average | Expensive relative to history |
| >90-100 | Historically High | Extreme or stretched valuation |
How to read each part
| Chart element | What it tells you |
|---|---|
| Main line | The actual historical valuation values over time for the selected metric. |
| Dashed horizontal lines | The stock's computed P10, P25, Median, P75, and P90 thresholds for the selected period. |
| Colored bands | The historical valuation zones between those thresholds. |
| Metric boxes | Current ratio, historical median, current percentile, and current regime. |
| Timeline strip | A condensed regime history showing how the stock moved between cheap, fair, and expensive states across each observation. |
Important metric definitions
Current Percentile is the percentile rank of the latest valid historical observation within the selected lookback range.
Current Regime is assigned directly from the latest observation's percentile bucket using the fixed 10 / 25 / 75 / 90 cutoffs shown above.
How to use it well
This chart is most useful for answering a narrow question: Is this stock trading high, low, or normal relative to its own history? It works best alongside growth, profitability, and forward-looking business analysis, because a stock can deserve a higher or lower regime if its business quality has changed.
The current PE ratio of PFIS is below the 3, 5 and 10-year averages.
PE comparison
With a P/E of 11.93, PFIS is below the Financial Services sector, the industry and its peers average. Compared to its Financial Services sector average of 13.56, Peoples Financial Services's P/E is 12% lower.
PFIS PE vs peers
PFIS's PE ratio is lower than its peer stocks TBBK and FCF, but it is greater than FNB's and FULT's. Peoples Financial Services's current PE ratio of 11.93 is below the average of its peers, which is 12.62.
| Stock name | PE ratio | Market cap |
|---|---|---|
| FULT Fulton Financial Corp | 11.68 | $4.71B |
| FNB F.N.B. Corp | 11.81 | $6.81B |
| FFBC First Financial Bancorp | 11.96 | $3.59B |
| PFIS Peoples Financial Services Corp | 12.02 | $710.17M |
| PEBO Peoples Bancorp Inc | 12.5 | $1.5B |
| NWFL Norwood Financial Corp | 12.7 | $373.55M |
| UVSP UNIVEST FINANCIAL Corp | 12.76 | $1.23B |
| TBBK Bancorp Inc | 13.45 | $2.92B |
| ASRV Ameriserv Financial Inc | 13.97 | $78.21M |
| FCF First Commonwealth Financial Corp | 14.2 | $2.21B |
Frequently asked questions
What is Peoples Financial Services's PE ratio?
The price to earnings ratio for PFIS stock as of Jul 31, 2026, stands at 11.93.
What is the 3-year average PE ratio for Peoples Financial Services (PFIS)?
Over the last 3 years, the average price to earnings ratio for PFIS stock is 19.03.
What is the 5-year average PE ratio for Peoples Financial Services (PFIS)?
Over the last 5 years, the average price to earnings ratio for PFIS stock is 14.7.
What is the highest PE ratio for PFIS?
The highest quarterly PE ratio in the last ten years has been 51.18 and it was in the Dec 2024 quarter.
How does the current PE ratio for PFIS compare to its historical average?
PFIS's current price to earnings ratio is 16% below its 10-year historical average.
How is PFIS's PE ratio calculated (Peoples Financial Services PE ratio formula)?
The PE ratio is calculated by taking the latest stock price and dividing it by the EPS for the last 12 months. As of today (Jul 31, 2026), Peoples Financial Services's stock price is $70.36. The earnings per share for the trailing twelve months (TTM) ending Mar 2026 is $5.9. Therefore, Peoples Financial Services's P/E ratio for today is 11.93. PE RATIO(11.93) = STOCK PRICE($70.36) / TTM EPS($5.9)
All PE ratio stats are based on quarterly TTM periods, unless otherwise specified.