MARKET WIRECNBC • 2h ago
Here are 3 big things we're watching in the stock market in the week aheadThe market could use a few victories in the days ahead, which will be filled with more earnings, an election, and jobs data.
Why PFIS Stock advanced +0.37% Today — RQD Quant Desk Flash
$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.
ROARABLE C+ • HOLD / WATCH
Cap $715.3M
INTERACTIVE SCENARIO DECK:
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
59
Q2 (-2Q)Grade C+$68.30+3.5% Next Q
62
Q3 (-1Q)Grade C+$70.68+1.1% Next Q
64
CurrentGrade C+$71.46+1.6% Hist 90D α
67
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
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”
AUTOMATED RQD QUANT DESK MOVER BRIEFINGFull Market News Desk →
Why PFIS Stock advanced +0.37% Today — RQD Quant Desk Flash
Peoples Financial Services Corp. (PFIS) advanced +0.37% to $71.46, trading at 93% of its 52-week range ($44.26 – $73.37). Solid steady margins (11% return on capital), mixed timing at 12x P/E—hold if owned, no rush to chase.
- ▸Technical Tape: Trading at 93% of its 52-week range ($44.26 – $73.37) with RSI-14 at 53.3 (NEUTRAL RANGE).
- ▸Volatility Profile: Historical 20-day realized swing band of ±4.9% around $71.46 (no active unusual options sweep snapshot on file).
- ▸Fundamental Anchor: Roarable C+ (Hold) backed by 52% gross margin and $43.3M annual free cash flow.
Live PFIS Headlines & Catalysts
MARKET WIRECNBC • 3h ago
Democratic Rep. Stevens endorses Rogers over El-Sayed in Michigan Senate electionHaley Stevens had lost the Democratic nomination for Senate in Michigan to Abdul El-Sayed earlier this year.
RISK WATCHReuters • 4h ago
Israeli strikes kill eight people in Gaza - medics say - ReutersIsraeli strikes kill eight people in Gaza - medics say Reuters
MARKET WIREReuters • 5h ago
Russia's FSB says minor detained over park attack threat after US tip-off - ReutersRussia's FSB says minor detained over park attack threat after US tip-off Reuters
MARKET WIREReuters • 6h ago
Iran, Qatari mediators hold third day of talks to end US-Iran war - ReutersIran, Qatari mediators hold third day of talks to end US-Iran war Reuters
CATALYSTReuters • 7h ago
Qatar surges, bucking Gulf market slide on Iran war concerns - ReutersQatar surges, bucking Gulf market slide on Iran war concerns Reuters
MARKET WIREReuters • 7h ago
OPEC+ keeps December oil output targets steady ahead of tougher call for 2027 - ReutersOPEC+ keeps December oil output targets steady ahead of tougher call for 2027 Reuters
MARKET WIREReuters • 7h ago
German ministers pledge tough action after rioters damage stores in Frankfurt - ReutersGerman ministers pledge tough action after rioters damage stores in Frankfurt Reuters
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?
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
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 0001056943In 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 ENABLEDIs 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 × FREDWhy is PFIS stock moving today?
Why PFIS Stock advanced +0.37% Today — RQD Quant Desk Flash. Solid steady margins (11% return on capital), mixed timing at 12x P/E—hold if owned, no rush to chase.