Peoples Financial ServicesPFIS +0.85%65 EV-to-FCF is 24.34 as of Jul. 12, 2026, which is 62% above its 10-year median of 14.98. GuruFocus rates PFIS with a GF Score™ of 65/100 and a GF Value™ of $58.26 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,199 Banks companies, Peoples Financial Services ranks worse than 85.32% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Peoples Financial Services's Enterprise Value is $1,004.0 Mil.
Peoples Financial Services's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $41.3 Mil. Therefore, Peoples Financial Services's EV-to-FCF for today is 24.34.
The historical rank and industry rank for Peoples Financial Services's EV-to-FCF or its related term are showing as below:
PFIS'
s EV-to-FCF Range Over the Past 10 Years
Min: 5.94 Med: 14.98 Max: 31.55
Current: 24.34
During the past 13 years, the highest EV-to-FCF of Peoples Financial Services was 31.55. The lowest was 5.94. And the median was 14.98.
PFIS's EV-to-FCF is ranked worse than 85.32% of 1199
companies
in the Banks industry
Industry Median: 6.56
vs PFIS: 24.34
EV-to-FCF 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-FCF 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 $66.52.
Peoples Financial Services's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $5.850.
* 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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Peoples Financial Services EV-to-FCF Related Terms
Peoples Financial Services EV-to-FCF 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-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Peoples Financial Services's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Peoples Financial Services's EV-to-FCF falls into.
Peoples Financial Services's current Enterprise Value is $1,004.0 Mil.
Peoples Financial Services's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $41.3 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-FCF of 24.34 as of Jul. 12, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Peoples Financial Services and its competitors. This is 62% above median its historical median of 14.98. Over the past decade, Peoples Financial Services' EV-to-FCF has ranged from 5.94 to 31.55. According to the industry distribution chart, Peoples Financial Services ranks #1023 out of 1199 companies in the Banks industry, placing it in the top 85.3%.
Is Peoples Financial Services' EV-to-FCF too high?
Peoples Financial Services' current EV-to-FCF of 24.34 is 62% above median its 10-year median of 14.98. Over the past 10 years, this metric has ranged from a low of 5.94 to a high of 31.55. The Banks industry median EV-to-FCF is 6.56. Peoples Financial Services' value of 24.34 is 271% above this industry median. Based on the distribution chart, Peoples Financial Services ranks #1023 out of 1199 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Peoples Financial Services has a GF Score™ of 65/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Peoples Financial Services' EV-to-FCF compare to BCAL and TCBX?
According to the Banks industry distribution chart, Peoples Financial Services ranks #1023 out of 1199 companies for EV-to-FCF. This places Peoples Financial Services in the lower half of its industry. The industry median EV-to-FCF is 6.56. Peoples Financial Services' value of 24.34 is 271% above this benchmark. Historically, Peoples Financial Services' own EV-to-FCF has ranged from 5.94 to 31.55 over the past decade. While the company's 10-year median is 14.98 vs. the industry median of 6.56, 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-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.56, based on 1,199 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Peoples Financial Services's current EV-to-FCF of 24.34 is 271% 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Peoples Financial Services and its competitors. For the Banks industry, the median EV-to-FCF is 6.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Peoples Financial Services's current EV-to-FCF is 24.34, which is 62% above median its own 10-year median of 14.98. 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 $58.26, compared to a current price of $66.52 — trading 14.2% above its estimated fair value. The current EV-to-FCF is 24.34, which is 62% above median its 10-year median of 14.98 and 271% above the Banks industry median of 6.56. Peoples Financial Services' overall GF Score™ is 65/100 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-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Peoples Financial Services (PFIS), the current EV-to-FCF is 24.34 as of Jul. 12, 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 $66.52 is trading 14.2% above its estimated GF Value™ of $58.26.
GuruFocus considers Peoples Financial Services to be Modestly Overvalued.
Key valuation signals for PFIS:
EV-to-FCF: 24.34 (62% above median its 10-year median of 14.98)
GF Value™: $58.26 vs. price of $66.52 (14.2% above fair value)
Industry Position: 271% above the Banks median (#1023 of 1199)
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.
65GF Score
Get the complete analysis for PFIS
EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
PFIS has been successfully added to your 
