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Peoples Financial ServicesPFIS -0.04%67 Pretax Margin % is 35.52% as of Jun. 2026, which is 7% above its 10-year median of 33.21. 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 50.76% on this metric.
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Peoples Financial Services Pretax Margin % Related Terms
Peoples Financial Services Pretax 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.
PFIS vs RCBC, TCBX, CWBC: Pretax Margin % Comparison
For the Banks - Regional subindustry, Peoples Financial Services's Pretax Margin %, along with its competitors' market caps and Pretax 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 Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Peoples Financial Services's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Peoples Financial Services's Pretax 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 Pretax Margin % of 35.52% as of Jun. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Peoples Financial Services and its competitors. This is near median its historical median of 33.21. Over the past decade, Peoples Financial Services' Pretax Margin % has ranged from 6.30 to 54.43. According to the industry distribution chart, Peoples Financial Services ranks #750 out of 1523 companies in the Banks industry, placing it in the top 49.2%.
Is Peoples Financial Services' Pretax Margin % too high?
Peoples Financial Services' current Pretax Margin % of 35.52% is near median its 10-year median of 33.21. Over the past 10 years, this metric has ranged from a low of 6.30 to a high of 54.43. The Banks industry median Pretax Margin % is 35.67. Peoples Financial Services' value of 35.52% is 0.4% below this industry median. Based on the distribution chart, Peoples Financial Services ranks #750 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' Pretax Margin % compare to RCBC and TCBX?
According to the Banks industry distribution chart, Peoples Financial Services ranks #750 out of 1523 companies for Pretax Margin %. This puts Peoples Financial Services in the upper half of its industry. The industry median Pretax Margin % is 35.67. Peoples Financial Services' value of 35.52% is 0.4% below this benchmark. Historically, Peoples Financial Services' own Pretax Margin % has ranged from 6.30 to 54.43 over the past decade. While the company's 10-year median is 33.21 vs. the industry median of 35.67, 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 Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 35.67, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Peoples Financial Services's current Pretax Margin % of 35.52% is 0.4% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Peoples Financial Services and its competitors. For the Banks industry, the median Pretax Margin % is 35.67 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Peoples Financial Services's current Pretax Margin % is 35.52%, which is near median its own 10-year median of 33.21. 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 Pretax Margin % is 35.52%, which is near median its 10-year median of 33.21 and 0.4% below the Banks industry median of 35.67. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Peoples Financial Services (PFIS), the current Pretax Margin % is 35.52% 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:
Pretax Margin %: 35.52% (near median its 10-year median of 33.21)
GF Value™: $59.76 vs. price of $69.59 (16.4% above fair value)
Industry Position: 0.4% below the Banks median (#750 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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