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Peoples Financial ServicesPFIS -0.04%67 FCF Margin % is 23.44% as of Jun. 2026, which is 22% below its 10-year median of 30.24. 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 1,496 Banks companies, Peoples Financial Services ranks worse than 56.08% on this metric.
* 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Peoples Financial Services's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Peoples Financial Services's FCF Margin % falls into.
* 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 FCF Margin % of 23.44% as of Jun. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Peoples Financial Services and its competitors. This is 22% below median its historical median of 30.24. Over the past decade, Peoples Financial Services' FCF Margin % has ranged from 22.94 to 36.50. According to the industry distribution chart, Peoples Financial Services ranks #839 out of 1496 companies in the Banks industry, placing it in the top 56.1%.
Is Peoples Financial Services' FCF Margin % too high?
Peoples Financial Services' current FCF Margin % of 23.44% is 22% below median its 10-year median of 30.24. Over the past 10 years, this metric has ranged from a low of 22.94 to a high of 36.50. The Banks industry median FCF Margin % is 27.17. Peoples Financial Services' value of 23.44% is 13.7% below this industry median. Based on the distribution chart, Peoples Financial Services ranks #839 out of 1496 companies in the Banks industry, which is below 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' FCF Margin % compare to RCBC and TCBX?
According to the Banks industry distribution chart, Peoples Financial Services ranks #839 out of 1496 companies for FCF Margin %. This places Peoples Financial Services in the lower half of its industry. The industry median FCF Margin % is 27.17. Peoples Financial Services' value of 23.44% is 13.7% below this benchmark. Historically, Peoples Financial Services' own FCF Margin % has ranged from 22.94 to 36.50 over the past decade. While the company's 10-year median is 30.24 vs. the industry median of 27.17, Peoples Financial Services has consistently been below 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 27.17, based on 1,496 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Peoples Financial Services's current FCF Margin % of 23.44% is 13.7% below 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Peoples Financial Services and its competitors. For the Banks industry, the median FCF Margin % is 27.17 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Peoples Financial Services's current FCF Margin % is 23.44%, which is 22% below median its own 10-year median of 30.24. 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 FCF Margin % is 23.44%, which is 22% below median its 10-year median of 30.24 and 13.7% below the Banks industry median of 27.17. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Peoples Financial Services (PFIS), the current FCF Margin % is 23.44% 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 $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:
FCF Margin %: 23.44% (22% below median its 10-year median of 30.24)
GF Value™: $59.76 vs. price of $69.59 (16.4% above fair value)
Industry Position: 13.7% below the Banks median (#839 of 1496)
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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FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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