Stock Ratings / Financials / PFIS / forecast

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Peoples Financial Services Corp. (PFIS) 12-Month Stock Forecast & Price Target Cone

$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 66/100 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 66/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.4% avg 90D alpha vs SPY) →

ROARABLE C+ • HOLD / WATCH Cap $715.3M

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

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on PFIS Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is PFIS stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-02, Peoples Financial Services Corp. (NASDAQ: PFIS) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 66/100 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 14/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 13/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, PFIS ranks #257 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does PFIS compare to AROW and CWBC in the Financials sector?

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Within the Financials sector (Major Banks), PFIS carries a Roarable C+ (66/100 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 (64/100 RQD, P/E 16.3x, ROIC 10.2%, cap $716.2M) and CWBC (Community West Bancshares) posts a C- grade (61/100 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).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for PFIS?

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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.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

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 66/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.4% avg 90D alpha vs SPY • 56.0% 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 C

Each axis scored 0–20

12M PRICE TARGET CONE+3.6% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for PFIS)Realized 20D OHLCV Swing Band: ±4.8%

Deterministic 5-Pillar Attribution (66/100 Composite)

🔍 WHY PFIS SCORES 66/100 (C+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 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)

▲ #2 Bullish Driver: Whale & Options Positioning+14/20 pts (21% of score)

20D Institutional Volume Accumulation (±4.8% realized swing band)

▼ #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$68.22-0.8% Next Q

Q2 (-2Q)

Grade C$67.66+5.5% Next Q

Q3 (-1Q)

Grade C+$71.37+0.1% Next Q

Current

Grade C+$71.46+1.4% Hist 90D α

Trajectory: C (58) → C+ (66)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 66/100 (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 ($69.79) or 200D SMA ($62.29) invalidates the momentum regime and cuts Target Base ($74.03) toward Bear Floor ($57.74).

🎲 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 66%NO 34%Trade / Inspect Odds →

INTERACTIVE 12-MONTH POSITION SIMULATOR

Drag to Test Your PFIS Position Size: $10,000

Shares at $71.46: 139.9 sh

$1,000$10,000$25,000$50,000$100,000

12M Bear Case FloorTarget $57.74

$8,080

$-1,920 (-19.2%)

12M Consensus BaseTarget $74.03

$10,360

+$360 (+3.6%)

12M Bull Case BreakoutTarget $87.36

$12,225

+$2,225 (+22.3%)

Wall Street Analyst Breakdown & Historical Accuracy Audit (28 Desks)

Street Historical Accuracy: 64/100

● Strong Buy / Buy: 17● Hold: 9● Sell: 2

Wall Street Firm	Stance	12M Target	1Y Accuracy	Track Grade
Morgan StanleyInstitutional Equity Desk	HOLD	$77	74%	A
Goldman SachsSector Coverage Lead	BUY	$82	69%	B
JP MorganUS Large-Cap Research	HOLD	$66	58%	C

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: +27.52%📐 HORIZONTAL RANGE

2026-11-02O $71.20H $71.46L $71.20C $71.46VOL 36.8K

RES: $73.31SUP: $65.06SMA50: $69.79SMA200: $62.29

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 #257 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 #257 by composite RQD confidence (66/100, 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 66/100 (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+	66/100	12.1x	—	11.4%	+0.37%	$715.3M	Benchmark Subject
AROW Arrow Financial Corporation	C	64/100	16.3x	—	10.2%	+1.67%	$716.2M	/arow-vs-pfis →
CWBC Community West Bancshares	C-	61/100	18.6x	—	9.3%	+0.97%	$708.1M	/cwbc-vs-pfis →
MSBI Midland States Bancorp Inc.	D+	58/100	—	—	-22.0%	-1.23%	$702.0M	/msbi-vs-pfis →
BCAL California BanCorp	C	62/100	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?

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

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

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 +2.39% above its 50-day simple moving average ($69.79) and +14.72% above its 200-day simple moving average ($62.29). Across its 52-week range of $43.64 to $73.37, PFIS sits at the 93.6% percentile with a 14-day RSI of 58.6 (BULLISH MOMENTUM) and an implied next-earnings move of ±4.8% ($68.03 to $74.89).

PFIS Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

What is PFIS's 12-month stock price target?

Peoples Financial Services Corp. (PFIS) carries a 12-month consensus base price target of $74.03 (+3.6% from $71.46), with a bull-case target of $87.36 and a bear-case floor of $57.74.

Is PFIS stock a Buy, Hold, or Sell right now?

Roarable's 5-Pillar RQD Quant Engine rates PFIS C+ (Hold — HOLD) with an RQD Confidence score of 66/100.

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