PFIS Stock Analysis: Buy, Sell, or Hold?
PFIS - Peoples Financial Services Corp.
$52.10
0.83 (1.62%)
▲
HOLD
MODERATE Confidence
Last Updated: January 30, 2026
Earnings: Feb 05, 2026
4d
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: PFIS is fairly valued with market pricing in 0.9% annual growth. Fine to hold or accumulate slowly on dips.
📊 HOLD: PFIS is fairly valued with market pricing in 0.9% annual growth. Fine to hold or accumulate slowly on dips.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$57.13
Based on 2.8% avg growth
INTRINSIC VALUE TODAY
$35.47
Trading above fair value
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 7.9x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: PFIS is currently trading at $52.10, which is considered extended relative to its 30-day fair value range of $48.65 to $51.11. The stock's valuation (Forward PE: 8.1) is in line with its historical norms (7.9). At these levels, the market is pricing in 0.9% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
Technical Outlook: Technically, PFIS is showing sideways momentum. The price is approaching resistance at $53.50. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: PFIS has a strong technical setup (75/100), with favorable trendlines, momentum, and price action for short-term traders. The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Technical Outlook: Technically, PFIS is showing sideways momentum. The price is approaching resistance at $53.50. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: PFIS has a strong technical setup (75/100), with favorable trendlines, momentum, and price action for short-term traders. The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Quick Decision Summary
Current Position
EXTENDED
Fair Price Range
$48.65 -
$51.11
Company Quality Score
63/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
58.1%
Protect Your Profits
Holding PFIS? Use our AI-powered strategies to protect your downside while keeping your long-term position.
View Profit Protection PlanAll Signals
- BEARISH: Price extended above range
- BULLISH: Strong technical setup (75/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($50.00)
- NEUTRAL: Market pricing in 0.9% annual earnings growth - fairly valued
Fair Price Analysis
30-Day Fair Range
$48.65 -
$51.11
Current vs Fair Value
EXTENDED
Support & Resistance Levels
Support Level
$49.03
Resistance Level
$53.50
Current Trend
Sideways
Fundamental Context
Forward P/E (Next Year Est.)
8.12
Wall Street Target
$50.00
(-2.5%)
Revenue Growth (YoY)
55.8%
Earnings Growth (YoY)
265.2%
Profit Margin
29.2%
Valuation Premium vs History
+0.9% premium
PE vs Historical
8.1 vs 7.9
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+0.9%
(market-implied from PE analysis)
1-Year Target
$51.73
(+1%)
2-Year Target
$52.20
(+2%)
3-Year Target
$52.67
(+3%)
3-Yr Target (if PE normalizes)
(PE: 8→8)
PE COMPRESSION
$51.25
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.3, Growth: 1.5%)
$147.38
(+188%)
Base:
(SPY PE: 8.1, Growth: 1.5%)
$53.66
(+5%)
Bear:
(PE: 6.9, Growth: 1.5%)
$45.61
(-11%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (9x PE), but valuation improves significantly next year (8x PE) as earnings recover.
Trailing PE: 9.28 | Current EPS (TTM): $5.38
Bull Case
$64.46
(+24%)
Analyst growth 17.4%, PE expands to 10.2
Base Case
$58.60
(+13%)
Market implied 17.4%, PE stable at 9.3
Bear Case
$33.95
(-35%)
Severe decline -20.0%, PE contracts to 7.9
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Last updated: January 31, 2026 1:03 PM ET
Data refreshes hourly during market hours. Next update: 2:03 PM
Data refreshes hourly during market hours. Next update: 2:03 PM
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Technical Signals Check
Is PFIS showing a specific setup today?
Insider Activity (6 Months)
2
Buys
0
Sells
+
Net
INSIDERS BUYING
Recent Transactions
Richard S Lochen Jr
BUY
100 shares
2025-08-15
Richard S Lochen Jr
BUY
1000 shares
2025-08-06
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