Peoples Financial Services Corp. (PFIS): fair value, margin of safety and Wheel Score

Is PFIS undervalued?

Peoples Financial Services Corp. (PFIS) closed at 74.69 on 5 Nov 2026. The GLS average fair value - the simple average of the 9 valuation models that produced a positive number - is 88.97, so the price sits 16% below it. 5 of the 9 models value the shares above the current price. A margin of safety between 10% and 30% is where most of the Sunday Scan candidates come from.

The 9 models disagree widely: DDM gives 36.68 while Graham Growth gives 171.39. A spread that wide means the average is sensitive to which methods you trust; the model table below shows where each one lands, and the Quote page lets you switch any of them off.

Ranked against every other company we cover, neither cheapness nor growth clearly wins for PFIS, so the nightly engine files it under Blend (value score 56, growth score 60, out of 100).

Nine valuation models for PFIS

Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.

Quality and financial health

Financial health is average - PFIS passes 6 of the nine Piotroski tests, which passes the "Piotroski 6 or more" Wheel Trade Filter. The Financials tab on the Quote page shows which tests fail. The GLS Moat score is 5.8 out of 10: a record that is solid on some of the four parts the score weighs (returns on capital, pricing power, lasting growth, balance sheet) and weaker on others.

Returns on capital are moderate - ROIC 7.6%, ROE 11.4%, ROA 1.1% - with debt at 0.50 times equity and a free-cash-flow yield of 6.0%.

The dividend yield is 3.34% at a payout ratio of 41%; for a wheel trader holding assigned shares the dividend adds to the covered-call premium, and the ex-dividend date is worth knowing before a call is sold. Revenue comes mainly from Bank Servicing 65%, Asset Management 14%, Commission And Fees On Fiduciary Activi… 11% (quarter Q2 FY2026).

Institutional ownership scores 4/10, insider activity 5/10 and Congressional trading 5/10 on the GLS smart-money scales.

Wheel Score 27: No options

PFIS has no listed options in the nightly snapshot, so there is nothing to sell and the stock cannot be wheeled however good the business. It fails the first Wheel Trade Filter (options that actually trade), so the score stays under 70 and is shown as "No options" (27 here). The valuation and quality numbers still apply to owning the shares outright.

Volume runs at 150k shares a day on a market cap of $748M, with a beta of 0.75 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score rates that fair.

The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it fits into a trade, start to finish.

Upcoming events

The next earnings report is due on 29 Jan 2027, 85 days away - outside the window of a 30-45-day put sold today. The shares go ex-dividend on 30 Nov 2026 (0.6250 per share), so a covered call sold before then carries a small early-assignment risk around that date.

Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.

Similar stocks in Banks - Regional

The 12 companies below are the closest to Peoples Financial Services Corp. by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.

⚖ Compare PFIS with 7 of them   All Financial Services stocks →