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what it is
Peoples Financial is a regional bank that makes money from loans, deposits, and equipment financing across 39 offices.
how it gets paid
Last year Peoples Financial made $260M in revenue. commercial real estate loans was the main engine at $91M, or 35% of sales.
why it's growing
Revenue grew 22.8% last year. EDGAR shows Revenue up 196% vs. prior year to $193 million and EPS up 211% to $4.69.
what just happened
Revenue hit $193M and EPS reached $4.69, but the real story is how violently the numbers swung after a weak 2024.
At a glance
B+ balance sheet — decent shape, but not bulletproof
50/100 earnings predictability — expect surprises
9.3x trailing p/e — the market's not buying it — or you found a deal
4.8% dividend yield — cash in your pocket every quarter
$0.99 fy2024 eps est
xvary composite: 56/100 — below average
What they do
Peoples Financial is a regional bank that makes money from loans, deposits, and equipment financing across 39 offices.
This is a local-bank moat, not a Silicon Valley moat. Peoples serves customers through 39 offices and controls $5.2 billion in assets against a $522 million market cap, which means your branch relationship still matters more than the app store here. The stickiness is deposits (bank funding → customer cash parked at the bank → cheap fuel for loans), and PFIS had $4.3 billion of them at September 30, 2025.
How they make money
$260M
annual revenue · their business grew +22.8% last year
commercial real estate loans
$91M
commercial and industrial loans
$52M
equipment financing
$31M
residential and consumer lending
$47M
deposit service and other banking fees
$39M
The products that matter
commercial lending and treasury services
Commercial Banking
$4.07B loan book
this is the core asset base. a $4.07B loan book is where growth shows up first and where credit mistakes show up next.
core engine
deposits, branches, and retail lending
Consumer Banking
funds the balance sheet
consumer deposits fund that same lending machine. for any bank, the asset side gets the attention, but the funding side decides whether margins hold.
funding base
trust and fee-based advice
Wealth Management
inside $201M non-interest income
this sits inside the $201M non-interest income bucket. that matters because fee revenue does not rise and fall as directly with loan spreads as the $59.2M net-interest line.
fee buffer
Key numbers
9.3x
trailing p/e
That is a cheap multiple for a bank, which tells you the market does not trust recent earnings quality.
4.8%
dividend yield
You are getting paid to wait, but high yields at banks usually mean investors want hazard pay.
$4.3B
total deposits
Deposits are funding, and funding is survival for a regional bank.
$140M
long-term debt
Debt is 21% of capital, which is manageable but still real leverage in a business built on confidence.
Financial health
B+
strength
- balance sheet grade B+ — solid but not elite
- risk rank 3 — safer than 50% of stocks
- price stability 75 / 100
- long-term debt $140M (21% of capital)
B+ — functional but not a standout on the balance sheet.
Total return vs. market
Return history isn't available for PFIS right now.
source: institutional data · return history unavailable
What just happened
beat estimates
Revenue hit $193M and EPS reached $4.69, but the real story is how violently the numbers swung after a weak 2024.
EDGAR shows latest-quarter revenue up 196% vs. prior year to $193 million and EPS up 211% to $4.69. Contrast that with Value Line's full-year 2024 EPS of $0.99 after $3.83 in 2023 and $5.28 in 2022.
$65M
revenue
$4.69
eps
196%
revenue growth
the number that mattered
The number that mattered was $4.69 in quarterly EPS because it dwarfs the entire 2024 full-year EPS of $0.99 from.
source: EDGAR SEC filings and, 2026
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What could go wrong
your #1 risk is FNCB integration execution. this stock is priced for skepticism, and that skepticism is aimed at the deal.
med
FNCB integration execution
the $129M deal is large relative to a $522M market cap. if systems, branch overlap, or credit culture get mishandled, earnings and capital get pressured fast.
big enough to change the thesis, not just the quarter
med
leadership handoff during integration
president Thomas P. Tulaney retired effective april 3, 2026. one transition is manageable. doing it during a merger raises the odds of expense drift and operational missteps.
if the handoff gets messy, the first clues usually show up in costs and commentary
med
regional credit weakness
you own a Pennsylvania-focused lender with a $4.07B loan book. if the local economy weakens, credit costs rise where PFIS is most exposed.
credit pain can erase a low p/e very quickly
low
data quality gaps
this page shows a $6M revenue estimate alongside $59.2M of net interest income and $201M of non-interest income. that does not reconcile. when the inputs are messy, your conviction should be lower until filings clear it up.
less a business risk than a research-discipline risk
a $522M bank is absorbing a $129M acquisition, managing a leadership handoff, and asking a $4.07B loan book to behave at the same time. that is the whole risk stack.
source: institutional data · regulatory filings · risk analysis
Pay attention to
metric
net interest income after the deal
$59.2M grew 22.8% from last year. you want to see whether that growth holds once the first wave of merger noise passes.
calendar
next earnings report
estimated for thursday, april 30, 2026. the first few post-deal quarters will tell you more than management adjectives ever will.
risk
dividend coverage
the yield is 4.8%, backed by a $0.63 quarterly payout. if that payout stops looking comfortable, the income case weakens fast.
trend
expense discipline through the handoff
the april 3, 2026 retirement matters less as an event than as a trend. if expenses drift while management changes and the deal settles, the cheap multiple stays cheap.
Analyst rankings
earnings predictability
50 / 100
in human-speak, the earnings line is not smooth enough to treat this like a set-it-and-forget-it bank.
risk rank
3
risk rank 3 means this sits around the middle on safety. not fragile, not a bunker.
price stability
75 / 100
price stability of 75 suggests the stock has been steadier than many small caps. that helps if you own it for yield, not drama.
source: institutional data
Institutional activity
institutional ownership data for PFIS is being compiled.
source: institutional data
Price targets
3-5 year target range
n/a
n/a
$49
current price
n/a
target midpoint · n/a from current
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