RankAlpha logo
Back to Rankings

PFIS

Peoples Financial ServicesC
Nasdaq / Banks
Last Price
Quote time unavailable
View Chart
Current thesis
PFIS continues to grow loans while higher net interest and noninterest income offset provision and expense pressure, preserving healthy reported returns and supporting the dividend.
Posture
Mixed
Lead driver
Sentiment
What changed
Sentiment remains the lead driver in the composite, 7D delta +1.8.
What can break
Higher noninterest expense and weaker year-over-year profitability.
Momentum
70
Value
60
Sentiment
58
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $68.00 · Bull $77.00 · Bear $59.00Analysis 2026-08-03; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-08-17 • Vendor: Data Vendor v1
Scores
As of 2026-09-09 • Model: HYBRID_IC_RP
AI Memo
As of 2026-08-03 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-09-09

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-09-09. Definitions

Supporting evidence
What
Grade C · Mixed
Confidence Medium · Net Neutral
Target $73.50
Why
Momentum70 · Δ7d +0.1
Value60 · Δ7d -8.6
Sentiment58 · Δ7d +1.8
So what
Balanced signals (Net Neutral). Wait for confirmation before sizing up.

Confirming evidence

  • • Sentiment remains the lead driver in the composite, 7D delta +1.8.

Contradictions & invalidation

  • • Higher noninterest expense and weaker year-over-year profitability.
  • • Higher provision for credit losses as loan growth continues.
  • • Q2 showed declining earnings, ROAA, and ROAE, with higher credit-loss provisions and operating expenses.

Catalyst clock

2026-08-31

Q2 earnings exposed credit-cost and expense pressure

Lead driver: Sentiment · See AI snapshot
Momentum
70
9% active weight
Current posture
7d trendFlat
Δ7d
+0.1
Δ21d
-6.9
Value
60
28% active weight
Current posture
7d trendSoftening
Δ7d
-8.6
Δ21d
-0.1
Sentiment
58
62% active weight
Current posture
7d trendFlat
Δ7d
+1.8
Δ21d
+0.4
Why this grade

Composite grade C. Momentum 69.8 / Value 59.7 / Sentiment 58.2

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-08-03. Scenario method

B+
Bull case
20%
Probability
Target price
$77.00
Analysis reference price unavailable
Analysis 2026-08-03 · RankAlpha Sentiment Codex
Most likely
B
Base case
45%
Probability
Target price
$68.00
Analysis reference price unavailable
Analysis 2026-08-03 · RankAlpha Sentiment Codex
B-
Bear case
35%
Probability
Target price
$59.00
Analysis reference price unavailable
Analysis 2026-08-03 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-08-17
Market Cap
$714.84M
Beta
0.79
Shares Out
10.01M
P/E (TTM)
9.2
P/S (TTM)
2.63
P/FCF (TTM)
43.73
Rev YoY
+3.4%
EPS YoY
-12.3%
Gross Margin
-
Op Margin
+24.9%
Net Debt
$218.42M
Current Ratio
0.07
As of 2026-09-09 • Updated nightlySource: Internal modelMethods & Data