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Graham Number is a figure that measures a stock's fundamental value by taking into account the company's earnings per share and book value per share. The Graham number is the upper bound of the price range that a defensive investor should pay for the stock. According to the theory, any stock price below the Graham number is considered undervalued, and thus worth investing in.
The historical rank and industry rank for Peoples Financial Services's Graham Number or its related term are showing as below:
PFIS'
s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.63 Med: 0.83 Max: 1.27
Current: 0.91
During the past 13 years, the highest Price to Graham Number ratio of Peoples Financial Services was 1.27. The lowest was 0.63. And the median was 0.83.
PFIS's Price-to-Graham-Number is ranked worse than 64.84% of 1425
companies
in the Banks industry
Industry Median: 0.8
vs PFIS: 0.91
Graham Number is a combination of asset valuation and earnings power valuation. It is a very conservative way of valuing a stock.
Peoples Financial Services (NAS:PFIS) Graham Number Explanation
Ben Graham actually did not publish a formula like this. But he wrote in The Intelligent Investor (1948 version) regarding to the criteria for purchases:
Current price should not be more than 15 times average earnings of the past three years.
Current price should not be more than 1.5 times the book value last reported. However, a multiplier of earnings below 15 could justify a correspondingly higher multiplier of assets. As a rule of thumb we suggest that the product of the multiplier times the ratio of price to book value should not exceed 22.5. (This figure corresponds to 15 times earnings and 1.5 times book value. It would admit an issue selling at only 9 times earnings and 2.5 times asset value, etc.)
Unlike valuation methods such as DCF or Discounted Earnings, the Graham number does not take growth into the valuation. Unlike the valuation methods based on book value alone, it takes into account the earnings power. Therefore, the Graham Number is a combination of asset valuation and earnings power valuation.
In general, the Graham number is a very conservative way of valuing a stock. It cannot be applied to companies with negative book values.
Peoples Financial Services's Price to Graham number Ratio for today is calculated as
Price to Graham number
=
Share Price (Today)
/
Graham number (Q: Jun. 2026 )
=
69.59
/
76.31
=
0.91
* 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.
Be Aware
Please keep these in mind:
1. Graham Number does not take growth into account. Therefore it underestimates the values of the companies that have good earnings growth. We feel that if the earnings per share grows more than 10% a year, Graham Number underestimates the value.
2. Graham Number punishes the companies that have temporarily low earnings. Therefore, an average of earnings makes more sense in the calculation of Graham Number.
3. Graham Numbers underestimates companies that are light with book.
Peoples Financial Services Graham Number Related Terms
Peoples Financial Services Graham Number 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 RCBC, TCBX, CWBC: Graham Number Comparison
For the Banks - Regional subindustry, Peoples Financial Services's Price-to-Graham-Number, along with its competitors' market caps and Price-to-Graham-Number 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 Price-to-Graham-Number vs Banks Industry
For the Banks industry and Financial Services sector, Peoples Financial Services's Price-to-Graham-Number distribution charts can be found below:
* The bar in red indicates where Peoples Financial Services's Price-to-Graham-Number 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 Graham Number of $76.31 as of Jun. 2026. The Graham Number values a company based on its per-share earnings and book value. View historical data on Peoples Financial Services and its competitors. According to the industry distribution chart, Peoples Financial Services ranks #924 out of 1425 companies in the Banks industry, placing it in the top 64.8%.
Is Peoples Financial Services' Graham Number too high?
Peoples Financial Services' current Graham Number is $76.31. The Banks industry median Graham Number is 0.80. Peoples Financial Services' value of $76.31 is 9438.8% above this industry median. Based on the distribution chart, Peoples Financial Services ranks #924 out of 1425 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' Graham Number compare to RCBC and TCBX?
According to the Banks industry distribution chart, Peoples Financial Services ranks #924 out of 1425 companies for Graham Number. This places Peoples Financial Services in the lower half of its industry. The industry median Graham Number is 0.80. Peoples Financial Services' value of $76.31 is 9438.8% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Graham Number for a Banks company?
The median Graham Number among Banks companies is 0.80, based on 1,425 companies in the industry. Companies in the top quartile (top 25%) have a Graham Number significantly above this median, while those in the bottom quartile fall well below. However, Graham Number should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Peoples Financial Services's current Graham Number of $76.31 is 9438.8% 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 Graham Number mean?
A high Graham Number can signal that a stock is expensive relative to its fundamentals. The Graham Number values a company based on its per-share earnings and book value. View historical data on Peoples Financial Services and its competitors. For the Banks industry, the median Graham Number is 0.80 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Peoples Financial Services's current Graham Number is $76.31. 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 Graham Number is $76.31 and 9438.8% above the Banks industry median of 0.80. 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 Graham Number calculated?
Graham Number is calculated from a company's financial statements. For Peoples Financial Services (PFIS), the current Graham Number is $76.31 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:
Graham Number: $76.31
GF Value™: $59.76 vs. price of $69.59 (16.4% above fair value)
Industry Position: 9438.8% above the Banks median (#924 of 1425)
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
Get the complete analysis for PFIS
Graham Number is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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