PFIS
Peoples Financial Services Corp.
NasdaqGSUSDEQUITY
Financial Services
DELAYED
Buy
+27/100
Last price
69.26
▲ 0.18 (0.26%)
MARKET · —
Price
Chart style
Interval
Intraday intervals only cover recent history. The site picks the finest interval the range allows.
Overlays
Session levels
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Both series are rebased to 0% at the left edge, so the lines show relative performance rather than price.
Tool
1D
—
H —
L —
Range —
Vol —
vs
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Open
69.26
Prev close
69.08
Day high
69.82
Day low
69.20
Volume
27.93K
Market cap
$693.32M
P/E (TTM)
12.24
52W range
43.64 – 73.37
Day trading desk
Gap from prior close
+0.26%
Prior close 69.08
VWAP
69.45
-0.28% from price
Relative volume
0.28×
Quiet session
Session range
0.89%
69.20 – 69.82
Position in range
10%
Near session low
ATR (14D)
1.51
2.18% of price
Prior day high
69.77
PDH
Prior day low
68.77
PDL
Bid / ask spread
—
Quote not published
Session volume
15.86K
Avg 57.65K
VWAP and the session figures are computed from the delayed intraday series on this page, so they lag the live tape and will not match a broker's real-time VWAP exactly. Turn on Prior day H/L/C, Opening range and Volume profile in the chart's Studies menu to see these levels drawn on price.
Trailing performance
Returnvs SPY
1W
+0.73%
-1.2%
1M
-3.58%
-4.7%
3M
+6.15%
+1.6%
6M
+23.68%
+5.5%
YTD
+42.19%
+27.9%
1Y
+44.56%
+28.1%
3Y
+72.72%
-9.5%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Free account
5 more panels on PFIS open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Insider net activity
Net shares
0
Net selling
Buy transactions
0
0 shares
Sell transactions
0
—
Net transactions
0
Buys less sells
Sell : buy shares
—
Not enough filings
Insider-held shares
813.44K
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Aug 28, 26 | KIRTLEY TIMOTHY H Officer |
— | 668 | — | Direct |
| Aug 28, 26 | DROBINS JEFFREY A Officer |
— | 1.89K | — | Direct |
| Apr 2, 26 | TULANEY THOMAS P President |
— | 709 | — | Direct |
| Mar 11, 26 | CHAMPI GERARD A Chief Executive Officer |
— | 689 | — | Direct |
| Mar 11, 26 | TULANEY THOMAS P President |
— | 366 | — | Direct |
| Mar 11, 26 | BONE JAMES M JR Chief Financial Officer |
— | 317 | — | Direct |
| Mar 11, 26 | KIRTLEY TIMOTHY H Officer |
— | 281 | — | Direct |
| Mar 11, 26 | WESTINGTON STEPHANIE A Officer |
— | 90 | — | Direct |
| Mar 11, 26 | WESTINGTON STEPHANIE A Officer |
CONVERSION | 90 | $4.66K | Direct |
| Mar 11, 26 | CUMMINGS MARY GRIFFIN General Counsel |
— | 246 | — | Direct |
| Mar 11, 26 | CUMMINGS MARY GRIFFIN General Counsel |
CONVERSION | 246 | $12.74K | Direct |
| Mar 11, 26 | KOPLIN NEAL D Officer |
— | 323 | — | Direct |
| Mar 11, 26 | ANDERSON JOHN R III Chief Operating Officer |
— | 295 | — | Direct |
| Mar 11, 26 | HUBBLE SUSAN L Chief Technology Officer |
— | 279 | — | Indirect |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
AUBREY WILLIAM E II |
Chairman of the Board | 55.90K | Stock Award(Grant) |
BEST CRAIG W |
Chief Executive Officer | — | Sale |
BRACEY WILLIAM G |
Director | 29.08K | Stock Award(Grant) |
DENAPLES JOSEPH L. |
Director | 53.96K | Stock Award(Grant) |
DENAPLES LOUIS A |
Director | 350.80K | Stock Award(Grant) |
KUKUCHKA RONALD G |
Director | 33.27K | Stock Award(Grant) |
NICHOLAS JAMES B |
Director | 30.83K | Stock Award(Grant) |
STILWELL JOSEPH D |
Beneficial Owner of more than 10% of a Class of Security | — | Purchase |
TULANEY THOMAS P |
President | 41.75K | Conversion of Exercise of derivative security |
WRIGHT JOSEPH T JR |
Director | 43.94K | Stock Award(Grant) |
Fundamentals
Market cap$693.32M
Enterprise value$768.20M
Revenue (TTM)$190.72M
Gross profit$190.72M
EBITDA—
Net income$56.77M
EPS (TTM)$5.66
Free cash flow—
Total cash$270.58M
Total debt$345.46M
Book value / share$53.56
Shares outstanding10.01M
Float9.17M
Short % of float2.68%
Dividend yield3.60%
Beta (5Y)0.74
Valuation & profitability ratios
Trailing P/E12.24
Forward P/E9.62
PEG ratio1.31
Price / sales—
Price / book1.29
EV / revenue4.03
EV / EBITDA—
Gross margin0.00%
Operating margin42.11%
Profit margin29.77%
Return on equity11.02%
Return on assets1.08%
Debt / equity—
Current ratio—
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Total revenue | $187.76M | $134.49M | $100.91M | $108.07M | +39.6% |
| Operating revenue | $187.76M | $134.49M | $100.91M | $108.07M | +39.6% |
| Selling, general & admin | $60.99M | $49.53M | $37.86M | $34.85M | +23.1% |
| Pre-tax income | $72.23M | $8.47M | $32.50M | $45.37M | +753.0% |
| Tax provision | $13.05M | -$30.00K | $5.12M | $7.28M | +43,590.0% |
| Net income | $59.19M | $8.50M | $27.38M | $38.09M | +596.5% |
| Net income to common | $59.19M | $8.50M | $27.38M | $38.09M | +596.5% |
| Basic EPS | 5.92 | 1.00 | 3.85 | 5.31 | +492.0% |
| Diluted EPS | 5.88 | 0.99 | 3.83 | 5.28 | +493.9% |
| Basic shares | 9.99M | 8.53M | 7.11M | 7.17M | +17.2% |
| Diluted shares | 10.07M | 8.59M | 7.15M | 7.21M | +17.3% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Cash & equivalents | $67.74M | $55.62M | $42.66M | $37.87M | +21.8% |
| Accounts receivable | $17.63M | $15.63M | $12.73M | $11.71M | +12.8% |
| Property, plant & equipment | $78.50M | $73.28M | $61.28M | $55.67M | +7.1% |
| Goodwill & intangibles | $104.90M | $111.49M | $64.24M | $64.39M | -5.9% |
| Total assets | $5.27B | $5.09B | $3.74B | $3.55B | +3.5% |
| Current debt | $32.72M | $15.90M | $17.59M | $114.93M | +105.8% |
| Long-term debt | $225.68M | $139.68M | $58.00M | $33.55M | +61.6% |
| Total debt | $258.40M | $155.58M | $75.59M | $148.49M | +66.1% |
| Total liabilities | $4.75B | $4.62B | $3.40B | $3.24B | +2.8% |
| Retained earnings | $273.50M | $238.96M | $248.55M | $230.51M | +14.5% |
| Shareholder equity | $519.85M | $468.95M | $340.42M | $315.35M | +10.9% |
| Net tangible assets | $414.95M | $357.46M | $276.18M | $250.96M | +16.1% |
| Shares issued | 9.99M | 9.99M | 7.04M | 7.16M | +0.0% |
| Line item | 2025 | 2024 | 2023 | 2022 | 2021 | YoY |
|---|---|---|---|---|---|---|
| Net income | $59.19M | $8.50M | $27.38M | $38.09M | — | +596.5% |
| Depreciation & amortisation | $10.62M | $7.24M | $3.50M | $4.03M | — | +46.8% |
| Stock-based compensation | $348.00K | $786.00K | $888.00K | $534.00K | — | -55.7% |
| Change in working capital | -$3.47M | $12.37M | -$1.07M | -$4.44M | — | -128.1% |
| Operating cash flow | $54.27M | $34.73M | $33.25M | $42.36M | — | +56.3% |
| Capital expenditure | -$10.93M | -$2.58M | -$5.92M | -$7.83M | — | -324.6% |
| Investing cash flow | -$24.44M | $386.35M | -$25.75M | -$467.82M | — | -106.3% |
| Share buybacks | — | — | -$5.89M | -$1.25M | -$2.36M | — |
| Dividends paid | -$24.64M | -$18.09M | -$11.66M | -$11.32M | — | -36.2% |
| Financing cash flow | $103.30M | -$472.58M | $142.00M | $183.40M | — | +121.9% |
| Free cash flow | $43.34M | $32.15M | $27.33M | $34.53M | — | +34.8% |
| End cash position | $268.98M | $135.85M | $187.37M | $37.87M | — | +98.0% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Total revenue | $51.87M | $49.77M | $46.89M | $47.30M | $48.44M | +4.2% |
| Operating revenue | $51.87M | $49.77M | $46.89M | $47.30M | $48.44M | +4.2% |
| Selling, general & admin | $15.80M | $16.58M | $13.98M | $15.84M | $14.74M | -4.7% |
| Pre-tax income | $18.42M | $18.52M | $14.72M | $18.84M | $20.42M | -0.5% |
| Tax provision | $3.62M | $3.77M | $2.74M | $3.60M | $3.46M | -4.0% |
| Net income | $14.80M | $14.75M | $11.98M | $15.25M | $16.96M | +0.4% |
| Net income to common | $14.80M | $14.75M | $11.98M | $15.25M | $16.96M | +0.4% |
| Basic EPS | 1.48 | 1.47 | 1.20 | 1.53 | 1.70 | +0.7% |
| Diluted EPS | 1.48 | 1.47 | 1.19 | 1.51 | 1.68 | +0.7% |
| Basic shares | 10.01M | 10.00M | 9.99M | 9.99M | 9.99M | +0.1% |
| Diluted shares | 10.04M | 10.03M | 10.08M | 10.09M | 10.08M | +0.1% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $256.25M | $67.42M | $67.74M | $71.63M | $69.82M | +280.1% |
| Accounts receivable | $17.77M | $17.99M | $17.63M | $17.00M | $15.85M | -1.2% |
| Property, plant & equipment | $79.52M | $79.21M | $78.50M | $77.01M | $76.90M | +0.4% |
| Goodwill & intangibles | $101.88M | $103.41M | $104.90M | $106.44M | $107.98M | -1.5% |
| Total assets | $5.44B | $5.42B | $5.27B | $5.16B | $5.11B | +0.3% |
| Current debt | $85.33M | $179.32M | $32.72M | $76.31M | $76.34M | -52.4% |
| Long-term debt | $246.06M | $226.21M | $225.68M | $228.25M | $194.70M | +8.8% |
| Total debt | $331.39M | $405.53M | $258.40M | $304.56M | $271.04M | -18.3% |
| Total liabilities | $4.90B | $4.90B | $4.75B | $4.65B | $4.61B | +0.1% |
| Retained earnings | $290.56M | $282.00M | $273.50M | $267.69M | $258.60M | +3.0% |
| Shareholder equity | $536.18M | $525.50M | $519.85M | $509.26M | $494.10M | +2.0% |
| Net tangible assets | $434.31M | $422.09M | $414.95M | $402.82M | $386.11M | +2.9% |
| Shares issued | 10.01M | 10.01M | 9.99M | 9.99M | 9.99M | -0.0% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Net income | $14.80M | $14.75M | $11.98M | $15.25M | $16.96M | +0.4% |
| Depreciation & amortisation | $2.65M | $2.64M | $2.62M | $2.54M | $2.70M | +0.3% |
| Stock-based compensation | $211.00K | $444.00K | $288.00K | $267.00K | -$19.00K | -52.5% |
| Change in working capital | -$3.13M | -$7.16M | -$297.00K | $1.98M | -$522.00K | +56.3% |
| Operating cash flow | $13.87M | $8.30M | $16.09M | $15.22M | $13.89M | +67.1% |
| Capital expenditure | -$1.71M | -$1.81M | -$2.86M | -$2.19M | -$5.39M | +5.8% |
| Investing cash flow | -$89.07M | -$80.26M | -$18.74M | -$40.47M | -$5.89M | -11.0% |
| Share buybacks | -$46.00K | -$370.00K | — | — | — | +87.6% |
| Dividends paid | -$6.25M | -$6.25M | -$6.16M | -$6.16M | -$6.16M | -0.1% |
| Financing cash flow | $2.84M | $131.59M | $91.71M | $29.43M | $90.64M | -97.8% |
| Free cash flow | $12.16M | $6.49M | $13.24M | $13.03M | $8.50M | +87.5% |
| End cash position | $256.25M | $328.61M | $268.98M | $179.92M | $175.74M | -22.0% |
Options analytics
Put / call volume
—
—
Put / call open interest
—
Positioning, not flow
Max pain
—
—
ATM implied vol
—
Nearest strike to spot
Skew (10% OTM)
—
—
Call volume
0
Contracts, this expiry
Put volume
0
Contracts, this expiry
Heaviest call OI
—
—
Heaviest put OI
—
—
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Earnings
Reported vs expected · EPS
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Jun 2026 | 1.64 | 1.48 | -9.5% |
| Mar 2026 | 1.54 | 1.43 | -6.8% |
| Dec 2025 | 1.52 | 1.36 | -10.5% |
| Sep 2025 | 1.54 | 1.51 | -1.6% |
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | 1.71 | 2 | $53.80M | +15.2% |
| Next quarter | 1.72 | 2 | $54.25M | +16.0% |
| Current year | 6.31 | 2 | $209.55M | +11.7% |
| Next year | 7.20 | 2 | $223.90M | +6.9% |
Analyst targets & ownership
Mean target$73.50
High target$75.00
Low target$72.00
Implied upside6.12%
Analyst count2
ConsensusHOLD
Strong buy / Buy0 / 0
Hold2
Sell / Strong sell0 / 0
Held by insiders8.13%
Held by institutions36.47%
Institutions holding178
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
68.89
+0.54% from price
SMA 20
69.97
-1.01% from price
SMA 50
70.36
-1.57% from price
SMA 100
66.97
+3.42% from price
SMA 200
60.40
+14.67% from price
EMA 12
69.23
+0.05% from price
EMA 26
69.64
-0.55% from price
EMA 50
69.24
+0.03% from price
RSI (14)
47.5
Neutral
MACD (12,26,9)
-0.41
Hist -0.11
ATR (14)
1.51
2.18% of price
Realised vol 30D
16.5%
Annualised
Bollinger upper
72.58
20, 2σ
Bollinger lower
67.35
20, 2σ
50 / 200 cross
Golden
70.36 vs 60.40
Trend bias
Above 200
+14.67%
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Risk profile
Beta vs SPY
0.33
Less volatile than market
Correlation to SPY
0.17
Largely independent
Realised vol 30D
16.5%
Annualised
Market vol 1Y
13.0%
SPY, annualised
Max drawdown 1Y
-11.4%
Peak to trough
Max drawdown 5Y
-38.4%
Peak to trough
ATR 14
1.51
2.18% of price
Beta (reported)
0.74
5Y monthly, from filing
Short interest
Shares short
245.88K
Prior 221.45K
Change vs prior
+11.0%
Shorts adding
% of float
2.68%
Normal
% of shares out
2.46%
Against total outstanding
Days to cover
4.8
Liquid
Float
9.17M
Freely tradeable shares
Exchanges publish short interest twice a month with a settlement lag, so this is roughly two weeks behind. Days to cover divides shares short by average daily volume — it estimates how long covering would take, not whether it will happen.
Rating changes
| Date | Firm | Action | From | To |
|---|---|---|---|---|
| Feb 11, 26 | Stephens & Co. | MAINTAINED | Equal-Weight | Equal-Weight |
| May 13, 24 | Stephens & Co. | MAINTAINED | Equal-Weight | Equal-Weight |
| Jul 27, 22 | Stephens & Co. | DOWNGRADE | Overweight | Equal-Weight |
| Mar 29, 22 | Stephens & Co. | INITIATED | — | Overweight |
Dividends & splits
Forward rate$2.49 / yr
Forward yield3.60%
5-year avg yield3.73%
Payout ratio43.98%
Ex-dividend dateAug 31, 2026
Next pay dateSep 15, 2026
Last split3:2
Split dateMay 16, 2003
SEC filings
Corporate Changes & Voting Matters
8-K · 2026-09-01
Annual Report of Proxy Voting Record of Registered Management Investment Companies filed on Form N-PX
N-PX · 2026-08-31
Corporate Changes & Voting Matters
8-K/A · 2026-08-28
Corporate Changes & Voting Matters
8-K · 2026-08-19
Periodic Financial Reports
10-Q · 2026-08-07
Corporate Changes & Voting Matters
8-K · 2026-07-30
Offering Registrations
S-8 · 2026-06-11
Corporate Changes & Voting Matters
8-K · 2026-05-27
Headlines
Peoples Financial Services (PFIS) Could Be a Great Choice
Zacks · 12d ago
PEOPLES FINANCIAL SERVICES CORP. Declares Third Quarter 2026 Dividend
PR Newswire · 67d ago
Peoples Financial Services: Q2 Earnings Snapshot
Associated Press · 68d ago
PEOPLES FINANCIAL SERVICES CORP. Reports Unaudited Second Quarter and Year to Date 2026 Earnings
PR Newswire · 68d ago
PRIVATE STRATEGY · BY QUALIFICATION
The same data. A different seat.
The research you are reading is the input layer for a discretionary options program we run for a small number of qualified investors. Minimum $1,000,000.