ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Peoples Financial Services Corp. ?
1
Positive results in Dec 25
- OPERATING CASH FLOW(Y) Highest at USD 38.18 MM
- NET PROFIT(HY) At USD 27.23 MM has Grown at 66.14%
- ROCE(HY) Highest at 1.14%
2
With ROA of 0.54%, it has a very attractive valuation with a 0.95 Price to Book Value
- The stock is trading at a fair value compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 11.88%, its profits have risen by 152.7% ; the PEG ratio of the company is 0.1
3
High Institutional Holdings at 32.74%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Peoples Financial Services Corp. should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Peoples Financial Services Corp. for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
Peoples Financial Services Corp.
17.38%
1.25
30.51%
S&P 500
20.78%
0.92
19.35%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
22.50%
EBIT Growth (5y)
13.86%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
42.01%
Pledged Shares
0
Institutional Holding
32.74%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
10
Industry P/E
Price to Book Value
0.95
EV to EBIT
11.07
EV to EBITDA
9.07
EV to Capital Employed
0.96
EV to Sales
1.99
PEG Ratio
0.12
Dividend Yield
4.48%
ROCE (Latest)
8.66%
ROE (Latest)
9.82%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Mildly Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Mildly Bearish
Dow Theory
Mildly Bearish
Mildly Bullish
OBV
Mildly Bearish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend16What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 38.18 MM
NET PROFIT(HY)
At USD 27.23 MM has Grown at 66.14%
ROCE(HY)
Highest at 1.14%
GROSS NPA (%)
(Q
NII(Q)
Highest at USD 43.03 MM
NET SALES(Q)
Highest at USD 66.77 MM
-2What is not working for the Company
ROCE(HY)
Lowest at 1.14%
Here's what is working for Peoples Financial Services Corp.
Operating Cash Flow
Highest at USD 38.18 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Non Performing Loans (%)
Lowest at 0.28%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Non Performing Loans (%)
NII
Highest at USD 43.03 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (USD MM)
Net Profit
At USD 27.23 MM has Grown at 66.14%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
Net Sales
Highest at USD 66.77 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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