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Peoples Financial ServicesPFIS -0.04%67 Net Margin % is 28.54% as of Jun. 2026, which is 1% below its 10-year median of 28.86. 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 1,523 Banks companies, Peoples Financial Services ranks better than 55.35% on this metric.
Peoples Financial Services (NAS:PFIS) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Peoples Financial Services Net Margin % Related Terms
Peoples Financial Services Net Margin % 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 Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Peoples Financial Services's Net Margin % distribution charts can be found below:
* The bar in red indicates where Peoples Financial Services's Net 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 Net Margin % of 28.54% as of Jun. 2026. Net margin is the ratio of total net income to net sales. View historical data on Peoples Financial Services and its competitors. This is near median its historical median of 28.86. Over the past decade, Peoples Financial Services' Net Margin % has ranged from 6.32 to 44.26. According to the industry distribution chart, Peoples Financial Services ranks #680 out of 1523 companies in the Banks industry, placing it in the top 44.6%.
Is Peoples Financial Services' Net Margin % too high?
Peoples Financial Services' current Net Margin % of 28.54% is near median its 10-year median of 28.86. Over the past 10 years, this metric has ranged from a low of 6.32 to a high of 44.26. The Banks industry median Net Margin % is 27.33. Peoples Financial Services' value of 28.54% is 4.4% above this industry median. Based on the distribution chart, Peoples Financial Services ranks #680 out of 1523 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' Net Margin % compare to RCBC and TCBX?
According to the Banks industry distribution chart, Peoples Financial Services ranks #680 out of 1523 companies for Net Margin %. This puts Peoples Financial Services in the upper half of its industry. The industry median Net Margin % is 27.33. Peoples Financial Services' value of 28.54% is 4.4% above this benchmark. Historically, Peoples Financial Services' own Net Margin % has ranged from 6.32 to 44.26 over the past decade. While the company's 10-year median is 28.86 vs. the industry median of 27.33, 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 27.33, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Peoples Financial Services's current Net Margin % of 28.54% is 4.4% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Peoples Financial Services and its competitors. For the Banks industry, the median Net Margin % is 27.33 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Peoples Financial Services's current Net Margin % is 28.54%, which is near median its own 10-year median of 28.86. 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 Net Margin % is 28.54%, which is near median its 10-year median of 28.86 and 4.4% above the Banks industry median of 27.33. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Peoples Financial Services (PFIS), the current Net Margin % is 28.54% 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:
Net Margin %: 28.54% (near median its 10-year median of 28.86)
GF Value™: $59.76 vs. price of $69.59 (16.4% above fair value)
Industry Position: 4.4% above the Banks median (#680 of 1523)
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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Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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