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PFIS

Peoples Financial ServicesB
Nasdaq / Banks
Last Price
Quote time unavailable
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Current thesis
Q2 loan growth, higher net interest income and an improved fully taxable-equivalent margin show operating capacity if credit costs and funding mix stabilize. [#SEC-8K-2026-07-30] SEC earnings exhibit
Posture
Constructive
Lead driver
Value
What changed
Next scheduled catalyst: earnings 2026-10-28.
What can break
Noninterest expense increased year over year, while brokered deposits increased sharply during Q2. [#SEC-8K-2026-07-30]
Momentum
72
Value
59
Sentiment
53
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $69.00 · Bull $78.00 · Bear $57.00Analysis 2026-10-21; returns require an exact persisted reference.
Earnings
2026-10-28
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-10-27 • Vendor: Data Vendor v1
Scores
As of 2026-10-27 • Model: HYBRID_IC_RP
AI Memo
As of 2026-10-21 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-10-27

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-27. Definitions

Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Target $73.50
Why
Momentum72 · Δ7d +9.1
Value59 · Δ7d -0.1
Sentiment53 · Δ7d -3.0
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.

Confirming evidence

  • • Next scheduled catalyst: earnings 2026-10-28.
  • • Value remains the lead driver in the composite, 7D delta -0.1.

Contradictions & invalidation

  • • Noninterest expense increased year over year, while brokered deposits increased sharply during Q2. [#SEC-8K-2026-07-30]
  • • Q2 provision for credit losses rose to $3.1 million from a $0.2 million benefit a year earlier. [#SEC-8K-2026-07-30]
  • • The Q2 earnings decline, higher provisions and operating expenses weaken the prior cautiously positive thesis.

Catalyst clock

2026-10-28

Credit costs could offset loan growth

Lead driver: Value · See fundamentals
Momentum
72
8% active weight
Current posture
7d trendImproving
Δ7d
+9.1
Δ21d
+3.2
Value
59
47% active weight
Current posture
7d trendFlat
Δ7d
-0.1
Δ21d
+0.0
Sentiment
53
45% active weight
Current posture
7d trendSoftening
Δ7d
-3.0
Δ21d
-8.8
Why this grade

Composite grade B. Momentum 72.0 / Value 59.5 / Sentiment 53.1

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-10-21. Scenario method

B+
Bull case
25%
Probability
Target price
$78.00
Analysis reference price unavailable
Analysis 2026-10-21 · RankAlpha Sentiment Codex
Most likely
B
Base case
45%
Probability
Target price
$69.00
Analysis reference price unavailable
Analysis 2026-10-21 · RankAlpha Sentiment Codex
B-
Bear case
30%
Probability
Target price
$57.00
Analysis reference price unavailable
Analysis 2026-10-21 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-10-27
Market Cap
$710.44M
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 2026-10-27 • Updated nightlySource: Internal modelMethods & Data