Peoples Financial Services Corp. (PFIS) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

MidWestOne Financial Group, Inc.

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CapStar Financial Holdings, Inc.

Summit Financial Group, Inc. (West Virginia)

Guaranty Bancshares, Inc. (Texas)

Mid Penn Bancorp, Inc.

Peoples Financial Services Corp.

Macatawa Bank Corp.

Bank of Marin Bancorp

First Foundation, Inc.

Sterling Bancorp, Inc. (Michigan)

Why is Peoples Financial Services Corp. ?

The company has declared Positive results for the last 7 consecutive quarters

OPERATING CASH FLOW(Y) Highest at USD 53.48 MM
NII(Q) Highest at USD 45.6 MM
CASH AND EQV(HY) Highest at USD 134.41 MM

With ROA of 0.64%, it has a fair valuation with a 1.02 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 33.14%, its profits have risen by 142.2% ; the PEG ratio of the company is 0.1

High Institutional Holdings at 37.96%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Their stake has increased by 4.79% over the previous quarter.

Market Beating Performance

The stock has generated a return of 33.14% in the last 1 year, much higher than market (S&P 500) returns of 15.36%

Real-Time Research Report

Verdict Report

How 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.

33.14%

3.37

25.46%

S&P 500

15.36%

1.17

13.09%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

22.50%

EBIT Growth (5y)

13.53%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

42.04%

Pledged Shares

Institutional Holding

33.17%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.02

EV to EBIT

7.59

EV to EBITDA

6.56

EV to Capital Employed

1.02

EV to Sales

1.83

PEG Ratio

0.06

Dividend Yield

4.68%

ROCE (Latest)

13.43%

ROE (Latest)

11.42%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bullish

RSI

No Signal

Bollinger Bands

Mildly Bullish

Bullish

Moving Averages

Bullish (Daily)

KST

Bullish

Dow Theory

No Trend

Mildly Bullish

OBV

Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

9What is working for the Company

OPERATING CASH FLOW(Y)

Highest at USD 53.48 MM

NII(Q)

Highest at USD 45.6 MM

CASH AND EQV(HY)

Highest at USD 134.41 MM

CREDIT DEPOSIT RATIO(HY)

Highest at 95.43%

NET SALES(Q)

Highest at USD 67.75 MM

0What is not working for the Company

NO KEY NEGATIVE TRIGGERS

Here's what is working for Peoples Financial Services Corp.

Operating Cash Flow

Highest at USD 53.48 MM and Grown

In each year in the last three years

MOJO Watch

The company has generated higher cash revenues from business operations

Operating Cash Flows (USD MM)

NII

Highest at USD 45.6 MM

in the last five periods

MOJO Watch

The bank's income from core business is increasing

NII (USD MM)

Net Sales

Highest at USD 67.75 MM

in the last five periods

MOJO Watch

Near term sales trend is positive

Net Sales (USD MM)

Cash and Eqv

Highest at USD 134.41 MM

in the last six Semi-Annual periods

MOJO Watch

Short Term liquidity is improving

Cash and Cash Equivalents

Credit Deposit Ratio

Highest at 95.43%

in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets

Credit Deposit Ratio (%)

Here's what is not working for Peoples Financial Services Corp.

Non Operating Income

Highest at USD 0.01 MM

in the last five periods

MOJO Watch

Increased income from non business activities may not be sustainable

Non Operating income