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Peoples Financial ServicesPFIS -0.29%67 Equity-to-Asset is 0.10 as of Jun. 2026, which is at its 10-year median of 0.10. GuruFocus rates PFIS with a GF Score™ of 67/100 and a GF Value™ of $60.05 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,518 Banks companies, Peoples Financial Services ranks better than 54.41% on this metric.
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Peoples Financial Services Equity-to-Asset Related Terms
Peoples Financial Services Equity-to-Asset 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.
PFIS vs CWBC, AROW, RCBC: Equity-to-Asset Comparison
For the Banks - Regional subindustry, Peoples Financial Services's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Peoples Financial Services's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Peoples Financial Services's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Peoples Financial Services's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Equity-to-Asset of 0.10 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Peoples Financial Services and its competitors. This is near median its historical median of 0.10. Over the past decade, Peoples Financial Services' Equity-to-Asset has ranged from 0.09 to 0.13. According to the industry distribution chart, Peoples Financial Services ranks #692 out of 1518 companies in the Banks industry, placing it in the top 45.6%.
Is Peoples Financial Services' Equity-to-Asset too high?
Peoples Financial Services' current Equity-to-Asset of 0.10 is near median its 10-year median of 0.10. Over the past 10 years, this metric has ranged from a low of 0.09 to a high of 0.13. The Banks industry median Equity-to-Asset is 0.10. Peoples Financial Services' value of 0.10 is 0% at this industry median. Based on the distribution chart, Peoples Financial Services ranks #692 out of 1518 companies in the Banks industry, which is above the industry midpoint. 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' Equity-to-Asset compare to CWBC and AROW?
According to the Banks industry distribution chart, Peoples Financial Services ranks #692 out of 1518 companies for Equity-to-Asset. This puts Peoples Financial Services in the upper half of its industry. The industry median Equity-to-Asset is 0.10. Peoples Financial Services' value of 0.10 is 0% at this benchmark. Historically, Peoples Financial Services' own Equity-to-Asset has ranged from 0.09 to 0.13 over the past decade. While the company's 10-year median is 0.10 vs. the industry median of 0.10, Peoples Financial Services has consistently been at 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 Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,518 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Peoples Financial Services's current Equity-to-Asset of 0.10 is 0% at 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Peoples Financial Services and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Peoples Financial Services's current Equity-to-Asset is 0.10, which is near median its own 10-year median of 0.10. 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 $60.05, compared to a current price of $70.75 — trading 17.8% above its estimated fair value. The current Equity-to-Asset is 0.10, which is near median its 10-year median of 0.10 and 0% at the Banks industry median of 0.10. 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 Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Peoples Financial Services (PFIS), the current Equity-to-Asset is 0.10 as of Jun. 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 $70.75 is trading 17.8% above its estimated GF Value™ of $60.05.
GuruFocus considers Peoples Financial Services to be Modestly Overvalued.
Key valuation signals for PFIS:
Equity-to-Asset: 0.10 (near median its 10-year median of 0.10)
GF Value™: $60.05 vs. price of $70.75 (17.8% above fair value)
Industry Position: 0% at the Banks median (#692 of 1518)
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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