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Peoples Financial ServicesPFIS -0.04%67 EV-to-OCF is 14.43 as of Aug. 27, 2026, which is 11% above its 10-year median of 12.99. GuruFocus rates PFIS with a GF Score™ of 67/100 and a GF Value™ of $59.76 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,493 Banks companies, Peoples Financial Services ranks worse than 82.85% on this metric.
The historical rank and industry rank for Peoples Financial Services's EV-to-OCF or its related term are showing as below:
PFIS'
s EV-to-OCF Range Over the Past 10 Years
Min: 5.5 Med: 12.99 Max: 24.72
Current: 14.43
During the past 13 years, the highest EV-to-OCF of Peoples Financial Services was 24.72. The lowest was 5.50. And the median was 12.99.
PFIS's EV-to-OCF is ranked worse than 82.85% of 1493
companies
in the Banks industry
Industry Median: 3.86
vs PFIS: 14.43
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Peoples Financial Services's PE Ratio (TTM) for today is calculated as:
Peoples Financial Services's share price for today is $69.59.
Peoples Financial Services's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $5.650.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Peoples Financial Services EV-to-OCF Related Terms
Peoples Financial Services EV-to-OCF Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, Peoples Financial Services's EV-to-OCF, along with its competitors' market caps and EV-to-OCF data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Peoples Financial Services EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, Peoples Financial Services's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Peoples Financial Services's EV-to-OCF falls into.
Peoples Financial Services's current Enterprise Value is $771.8 Mil.
Peoples Financial Services's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $53.5 Mil.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Peoples Financial Services (PFIS) has a EV-to-OCF of 14.43 as of Aug. 27, 2026. This is 11% above median its historical median of 12.99. Over the past decade, Peoples Financial Services' EV-to-OCF has ranged from 5.50 to 24.72. According to the industry distribution chart, Peoples Financial Services ranks #1237 out of 1493 companies in the Banks industry, placing it in the top 82.9%.
Is Peoples Financial Services' EV-to-OCF too high?
Peoples Financial Services' current EV-to-OCF of 14.43 is 11% above median its 10-year median of 12.99. Over the past 10 years, this metric has ranged from a low of 5.50 to a high of 24.72. The Banks industry median EV-to-OCF is 3.86. Peoples Financial Services' value of 14.43 is 273.8% above this industry median. Based on the distribution chart, Peoples Financial Services ranks #1237 out of 1493 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Peoples Financial Services has a GF Score™ of 67/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Peoples Financial Services' EV-to-OCF compare to RCBC and TCBX?
According to the Banks industry distribution chart, Peoples Financial Services ranks #1237 out of 1493 companies for EV-to-OCF. This places Peoples Financial Services in the lower half of its industry. The industry median EV-to-OCF is 3.86. Peoples Financial Services' value of 14.43 is 273.8% above this benchmark. Historically, Peoples Financial Services' own EV-to-OCF has ranged from 5.50 to 24.72 over the past decade. While the company's 10-year median is 12.99 vs. the industry median of 3.86, Peoples Financial Services has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 3.86, based on 1,493 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Peoples Financial Services's current EV-to-OCF of 14.43 is 273.8% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 3.86 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Peoples Financial Services's current EV-to-OCF is 14.43, which is 11% above median its own 10-year median of 12.99. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Peoples Financial Services stock overvalued right now?
Based on GuruFocus' analysis, Peoples Financial Services (PFIS) is currently considered Modestly Overvalued. The stock's GF Value™ is $59.76, compared to a current price of $69.59 — trading 16.4% above its estimated fair value. The current EV-to-OCF is 14.43, which is 11% above median its 10-year median of 12.99 and 273.8% above the Banks industry median of 3.86. Peoples Financial Services' overall GF Score™ is 67/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Peoples Financial Services (PFIS), the current EV-to-OCF is 14.43 as of Aug. 27, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Peoples Financial Services (PFIS) Overvalued in 2026?
Based on GuruFocus' analysis, Peoples Financial Services stock appears to be overvalued.
The current stock price of $69.59 is trading 16.4% above its estimated GF Value™ of $59.76.
GuruFocus considers Peoples Financial Services to be Modestly Overvalued.
Key valuation signals for PFIS:
EV-to-OCF: 14.43 (11% above median its 10-year median of 12.99)
GF Value™: $59.76 vs. price of $69.59 (16.4% above fair value)
Industry Position: 273.8% above the Banks median (#1237 of 1493)
No single metric tells the full story. See the PFIS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Peoples Financial Services Corp is a bank holding company operating through its subsidiaries. The bank provides a full range of financial services. Its products and services include checking accounts, business accounts, savings accounts, loan products, money market accounts, mortgages, chip-enabled debit cards, credit card processing, equipment finance, working capital lines of credit, and construction loans, and visa master card and advisory services. Its loan portfolio includes Commercial loans, which consist of commercial, commercial real estate, municipal, and other related tax-free loans; and retail loans, which include residential real estate and other consumer loans. The company mainly operates in the United States in Pennsylvania.
67GF Score
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EV-to-OCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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