Peoples Financial Services (PFIS) Stock: Buy, Sell, or Hold?
$72.58
-0.57 (-0.78%)
▼
5d:
-0.44%
30d:
+6.39%
90d:
+1.82%
QUANTITATIVE VERDICT
WAIT
LOW Confidence (45%)
Quality Score
48/100
Position
EXTENDED
30-Day Fair Range
$68.15 – $72.53
Position: EXTENDED
Forward P/E & Valuation
9.9x
STRETCHED
vs 8.5x historical avg
Wall Street Target
$76.50
+5.4% upside
Options IV & Volume
HIGH Vol
HIGH volume confirmation
Support / Resistance
$69.84 / $76.49
Trend: Uptrend
Executive Thesis & Bottom Line
Forward Earnings Fair Value & Price Prediction →
📊 MIXED SIGNALS: PFIS shows conflicting indicators. Wait for confirmation before entering.
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Interactive Price Chart (1 Month)
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Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$91.70
Based on 8.0% avg growth
INTRINSIC VALUE TODAY
$56.94
Trading above historical range
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 8.5x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: PFIS is currently trading at $72.58, which is considered extended relative to its 30-day fair value range of $68.15 to $72.53. From a valuation perspective, the stock is trading at a premium (Forward PE: 9.9) compared to its historical average (8.5). At these levels, the market is pricing in 4.9% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
Technical Outlook: Technically, PFIS is in a uptrend. Immediate support is located at $69.83, while resistance sits at $76.49.
Market Sentiment: The stock scores a mixed 46/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, PFIS is in a uptrend. Immediate support is located at $69.83, while resistance sits at $76.49.
Market Sentiment: The stock scores a mixed 46/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
EXTENDED
Historical Trading Range
$68.15 -
$72.53
Company Quality Score
48/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
45.2%
Trading Range & Key Levels
30-Day Trading Range
$68.15 -
$72.53
Current vs Trading Range
EXTENDED
Support Level
$69.84
Resistance Level
$76.49
Current Trend
Uptrend
Technical data as of
Nov 10, 2026
Quantitative Signal Breakdown
- BEARISH: Price extended above range
- NEUTRAL: Mixed technical signals (46/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($76.50)
- NEUTRAL: Trading at premium valuation - market expects 4.9% growth which is achievable
- WARNING: Composite score 48/100 in the bottom quintile — this cohort historically lags the market
Fundamental Context
Forward P/E (Next Year Est.)
9.87
Wall Street Target
$76.50
(+5.4%)
Revenue Growth (YoY)
13.9%
Earnings Growth (YoY)
25.8%
Profit Margin
30.7%
Valuation Premium vs History
+4.9% premium
PE vs Historical
9.9 vs 8.5
STRETCHED
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+4.9%
(market-implied from PE analysis)
1-Year Target
$76.14
(+5%)
2-Year Target
$79.87
(+10%)
3-Year Target
$83.78
(+15%)
3-Yr Target (if PE normalizes)
(PE: 10→9)
PE COMPRESSION
$72.17
(-1%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 19.9, Growth: 12.0%)
$205.40
(+183%)
Base:
(SPY PE: 9.9, Growth: 12.0%)
$102.06
(+41%)
Bear:
(PE: 8.4, Growth: 12.0%)
$86.75
(+20%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (12x PE), but valuation improves significantly next year (10x PE) as earnings recover.
Trailing PE: 12.11 | Current EPS (TTM): $6.04
Bull Case
$97.98
(+35%)
Analyst growth 21.8%, PE expands to 13.3
Base Case
$89.08
(+23%)
Market implied 21.8%, PE stable at 12.1
Bear Case
$49.74
(-32%)
Severe decline -20.0%, PE contracts to 10.3
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
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bloggers & journalists: you are free to use our charts with attribution.Reddit & Retail Trader Sentiment (PFIS)
Bullish
1 Retail Mentions
StockTwits Volume
1 msgs
24h retail stream
Last Tracked
Oct 31, 2026
Daily AI digest
AI Retail Discussion Summary:
Peoples Financial Services reported Q3 earnings of $19.1 million, or $1.90 per share, surpassing analyst estimates by $0.21.
Aggregated from r/wallstreetbets, r/stocks & StockTwits streams.
View All Trending Reddit & WSB Stocks →
Last updated: November 11, 2026 6:39 AM ET
Data refreshes hourly during market hours. Next update: 7:39 AM
Data refreshes hourly during market hours. Next update: 7:39 AM
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Technical Signals Check
Is PFIS showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
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