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Peoples Financial ServicesPFIS -0.04%67 Return-on-Tangible-Equity is 13.79% as of Jun. 2026, which is 17% above its 10-year median of 11.83. 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 1,518 Banks companies, Peoples Financial Services ranks better than 64.95% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Peoples Financial Services's annualized net income for the quarter that ended in Jun. 2026 was $59.2 Mil. Peoples Financial Services's average shareholder tangible equity for the quarter that ended in Jun. 2026 was $429.5 Mil. Therefore, Peoples Financial Services's annualized Return-on-Tangible-Equity for the quarter that ended in Jun. 2026 was 13.79%.
The historical rank and industry rank for Peoples Financial Services's Return-on-Tangible-Equity or its related term are showing as below:
PFIS'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 2.68 Med: 11.83 Max: 16.51
Current: 13.76
During the past 13 years, Peoples Financial Services's highest Return-on-Tangible-Equity was 16.51%. The lowest was 2.68%. And the median was 11.83%.
PFIS's Return-on-Tangible-Equity is ranked better than 64.95% of 1518
companies
in the Banks industry
Industry Median: 11.455
vs PFIS: 13.76
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Peoples Financial Services Return-on-Tangible-Equity Related Terms
Peoples Financial Services Return-on-Tangible-Equity 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: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Peoples Financial Services's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Peoples Financial Services's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Peoples Financial Services's Return-on-Tangible-Equity 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Jun. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 13.79% mean?
Peoples Financial Services (PFIS) has a Return-on-Tangible-Equity of 13.79% as of Jun. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Peoples Financial Services and its competitors. This is 17% above median its historical median of 11.83. Over the past decade, Peoples Financial Services' Return-on-Tangible-Equity has ranged from 2.68 to 16.51. According to the industry distribution chart, Peoples Financial Services ranks #532 out of 1518 companies in the Banks industry, placing it in the top 35%.
Is Peoples Financial Services' Return-on-Tangible-Equity too high?
Peoples Financial Services' current Return-on-Tangible-Equity of 13.79% is 17% above median its 10-year median of 11.83. Over the past 10 years, this metric has ranged from a low of 2.68 to a high of 16.51. The Banks industry median Return-on-Tangible-Equity is 11.46. Peoples Financial Services' value of 13.79% is 20.4% above this industry median. Based on the distribution chart, Peoples Financial Services ranks #532 out of 1518 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' Return-on-Tangible-Equity compare to RCBC and TCBX?
According to the Banks industry distribution chart, Peoples Financial Services ranks #532 out of 1518 companies for Return-on-Tangible-Equity. This puts Peoples Financial Services in the upper half of its industry. The industry median Return-on-Tangible-Equity is 11.46. Peoples Financial Services' value of 13.79% is 20.4% above this benchmark. Historically, Peoples Financial Services' own Return-on-Tangible-Equity has ranged from 2.68 to 16.51 over the past decade. While the company's 10-year median is 11.83 vs. the industry median of 11.46, 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 Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.46, based on 1,518 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Peoples Financial Services's current Return-on-Tangible-Equity of 13.79% is 20.4% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Peoples Financial Services and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.46 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Peoples Financial Services's current Return-on-Tangible-Equity is 13.79%, which is 17% above median its own 10-year median of 11.83. 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 Return-on-Tangible-Equity is 13.79%, which is 17% above median its 10-year median of 11.83 and 20.4% above the Banks industry median of 11.46. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Peoples Financial Services (PFIS), the current Return-on-Tangible-Equity is 13.79% 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:
Return-on-Tangible-Equity: 13.79% (17% above median its 10-year median of 11.83)
GF Value™: $59.76 vs. price of $69.59 (16.4% above fair value)
Industry Position: 20.4% above the Banks median (#532 of 1518)
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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Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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