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PFIS

Peoples Financial ServicesA
Nasdaq / Banks
Last Price
At close
2026-07-18
View Chart
Current thesis
The Q1 release supports a cautious constructive case: loan growth was strong, net interest and non-interest income improved, asset quality remained strong, and tangible book value reached $42.29. [#SEC-8K-2026-04-30] [#PR-EARNINGS-2026-05-01]
Posture
Constructive
Lead driver
Value
What changed
Value remains the lead driver in the composite, 7D delta -0.4.
What can break
Higher provision for credit losses and non-interest expense could offset loan growth and stronger core income.
Momentum
73
Value
60
Sentiment
50
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $68.00 · Bull $77.00 · Bear $54.00
Data freshness
Prices
As of 2026-07-18
Fundamentals
As of 2026-07-13 • Vendor: Data Vendor v1
Scores
As of 2026-07-18 • Model: HYBRID_IC_RP
AI Memo
As of 2026-07-17 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-07-18
Supporting evidence
What
Grade A · Constructive
Confidence Medium · Net Neutral
Target $63.00
Why
Momentum73 · Δ7d +0.5
Value60 · Δ7d -0.4
Sentiment50 · Δ7d +7.0
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.
Lead driver: Value · See fundamentals
Momentum
73
26% active weight
Current posture
7d trendSoftening
Δ7d
+0.5
Δ21d
+4.0
Value
60
39% active weight
Current posture
7d trendFlat
Δ7d
-0.4
Δ21d
-0.5
Sentiment
50
34% active weight
Current posture
7d trendImproving
Δ7d
+7.0
Δ21d
+8.9
Why this grade

Composite grade A. Momentum 72.7 / Value 60.1 / Sentiment 50.0

Fundamentals (TTM)
As of 2026-07-13
Market Cap
$667.83M
Beta
0.79
Shares Out
10.01M
P/E (TTM)
9.2
P/S (TTM)
2.63
P/FCF (TTM)
43.73
Rev YoY
+4.5%
EPS YoY
-1.6%
Gross Margin
-
Op Margin
+34.2%
Net Debt
$218.42M
Current Ratio
0.09
As of 2026-07-18 • Updated nightlySource: Internal modelMethodology