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Peoples Financial Services Corp. (PFIS) — RQD Stock Rating Cockpit

$71.46 +0.37% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $71.37

Peoples Financial Services Corp. (PFIS) carries a Roarable Rating of C+ (Hold) with 67/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

📊 Historical Track Record: Scores of 67/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.6% avg 90D alpha vs SPY) →

ROARABLE C+ • HOLD / WATCH Cap $715.3M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $71.37 (-0.12%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 10/20 (D) • 1.1% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 67/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.6% avg 90D alpha vs SPY • 56.4% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C+

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C · Rk B

Each axis scored 0–20

12M PRICE TARGET CONE+4% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for PFIS)Realized 20D OHLCV Swing Band: ±4.9%

Deterministic 5-Pillar Attribution (67/100 Composite)

🔍 WHY PFIS SCORES 67/100 (C+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Macro Regime Fit+16/20 pts (24% of score)

FRED Regime × Technicals: 93% of 52W Range • RSI-14 at 53.3 (NEUTRAL RANGE)

▲ #2 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (24% of score)

SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)

▼ #1 Drag / Risk Factor: Cash Engine Quality10/20 pts (-10 pt drag)

Capital intensity & 0% operating margin leave 10 pts on the table

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C$67.25+1.6% Next Q

Q2 (-2Q)

Grade C+$68.30+3.5% Next Q

Q3 (-1Q)

Grade C+$70.68+1.1% Next Q

Current

Grade C+$71.46+1.6% Hist 90D α

Trajectory: C (59) → C+ (67)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the PFIS Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 67/100 (C+) score, PFIS faces multiple-compression risk if 12.1x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($69.76) or 200D SMA ($62.19) invalidates the momentum regime and cuts Target Base ($74.35) toward Bear Floor ($57.99).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $PFIS• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “PFIS Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 67%NO 33%Trade / Inspect Odds →

RSI-14 MOMENTUMNEUTRAL RANGE

53.330 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCOREWEAK QUALITY (1–4)

4 / 99-Pt Accounting

52-WEEK LASER RANGE93% OF RANGE

L: $44$71.46H: $73

1. Money & Cash Health● WEAK

Are profits real cash in the bank?

Weak cash conversion or heavy valuation strain compared to actual cash earned.

Factor Grade: DRQD 10 / 20

2. Big Money & Insiders● BUYING

Are whales & executives buying or selling?

Hedge funds and options traders are leaning bullish, showing strong institutional appetite.

Factor Grade: B-RQD 28 / 40

3. Hidden Risks & Market Weather● ALL CLEAR

SEC fine-print scan & interest-rate fit

Clean SEC fine-print check with low hidden accounting risk and favorable interest-rate weather.

Factor Grade: BRQD 29 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

JEV AI Jury Split (Battleground) on PFIS

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

BEARISH (50)

11.4% ROIC with 42.0% gross margin and 6.06% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

NEUTRAL (65)

Altman-Z 4.20 and Piotroski 4/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

BULLISH (73)

28/40 institutional & smart-money positioning score with 16/20 macro alignment.

Bull Case: Why Buyers Like PFIS

✓Company leadership has skin in the game with net positive insider conviction.

Bear Case: What Could Go Wrong

!Broader market pullbacks can still drag down strong stocks in the short run.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (PFIS Tape Review)

✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
✓Forensic Red-Light accounting & dilution traps to review on your watchlist
✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

PFIS // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +25.46%📐 HORIZONTAL RANGE

2026-10-30O $71.90H $72.34L $70.11C $71.46VOL 53.8K

RES: $73.31SUP: $65.08SMA50: $69.76SMA200: $62.19

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

PFIS Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 PFIS Butterfly Map → + Track PFIS →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

2.7%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on PFIS today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for PFIS. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for PFIS today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (PFIS)

Financials Rank #253 of 1096 ⚔️ AROW vs PFIS Full Matrix →

1. Head-to-Head Financials Peer Comparison (PFIS vs. AROW, CWBC, MSBI, BCAL)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Peoples Financial Services Corp. (PFIS) ranks #253 by composite RQD confidence (67/100, grade C+) and #620 by equity capitalization ($715.3M). Within this direct 5-issuer industry benchmark cohort, BCAL leads on earnings valuation at 10.9x trailing P/E, while PFIS leads on capital efficiency and profitability with 11.4% ROIC and — gross margin. PFIS currently leads its immediate peer cohort in composite quantitative strength at 67/100 (C+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
PFIS ACTIVE Peoples Financial Services Corp.	C+	67/100	12.1x	—	11.4%	+0.37%	$715.3M	Benchmark Subject
AROW Arrow Financial Corporation	C+	66/100	16.3x	—	10.2%	+1.67%	$716.2M	/arow-vs-pfis →
CWBC Community West Bancshares	C-	59/100	18.6x	—	9.3%	+0.97%	$708.1M	/cwbc-vs-pfis →
MSBI Midland States Bancorp Inc.	D	48/100	—	—	-22.0%	-1.23%	$702.0M	/msbi-vs-pfis →
BCAL California BanCorp	C	65/100	10.9x	—	10.9%	-0.46%	$689.3M	/bcal-vs-pfis →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001056943

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Peoples Financial Services Corp. (PFIS) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $59.2M, operating cash flow of $54.3M, and free cash flow of $43.3M (+34.8% YoY). On the balance sheet, PFIS closed FY2025 with $5.27B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 4/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$0	$59.2M	$54.3M	$43.3M	$5.27B	—
FY2024 (FY)	2024-12-31	$0	$8.5M	$34.7M	$32.1M	$5.09B	—
FY2023 (FY)	2023-12-31	$0	$27.4M	$33.3M	$33.3M	—	—

3. PFIS Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is PFIS stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, Peoples Financial Services Corp. (NASDAQ: PFIS) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 67/100 at a spot price of $71.46 (+0.37% 1D, market cap $715.3M). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 12/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 16/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, PFIS ranks #253 in composite RQD confidence.

How does PFIS compare to AROW and CWBC in the Financials sector?

Within the Financials sector (Major Banks), PFIS carries a Roarable C+ (67/100 RQD), trailing P/E of 12.1x, gross margin of —, and ROIC of 11.4%. By comparison, AROW (Arrow Financial Corporation) holds a C+ grade (66/100 RQD, P/E 16.3x, ROIC 10.2%, cap $716.2M) and CWBC (Community West Bancshares) posts a C- grade (59/100 RQD, P/E 18.6x, ROIC 9.3%, cap $708.1M). Among the 5-stock peer group, BCAL leads on earnings multiple (10.9x) while PFIS leads on capital efficiency (11.4% ROIC).

What are the biggest fundamental strengths and SEC risk factors for PFIS?

Per PFIS's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001056943), Peoples Financial Services Corp. generated $0 in revenue, $59.2M in net income, and $43.3M in free cash flow against $5.27B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is PFIS trading relative to its 50-day, 200-day, and 52-week technical levels?

PFIS last traded at $71.46 (+0.37% on volume of 36,763 shares), positioning the stock +2.44% above its 50-day simple moving average ($69.76) and +14.91% above its 200-day simple moving average ($62.19). Across its 52-week range of $44.26 to $73.37, PFIS sits at the 93.4% percentile with a 14-day RSI of 53.3 (NEUTRAL RANGE) and an implied next-earnings move of ±4.9% ($67.96 to $74.96).

PFIS Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell PFIS stock right now?

Peoples Financial Services Corp. (PFIS) currently earns a Roarable Rating of C+ (Hold — HOLD) with 67/100 RQD Confidence. Solid steady margins (11% return on capital), mixed timing at 12x P/E—hold if owned, no rush to chase.

What is PFIS's 12-month price target and RQD AI Jury consensus?

PFIS's 12-month base price target is $74.35 (range $57.99 to $87.73), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Direct Sub-Reports: PFIS RQD Cockpit PFIS 12M Forecast PFIS Earnings & Move PFIS Dividends & DRIP PFIS Insiders & 13F PFIS Whale Options PFIS Profit Sankey PFIS News & Why