What Is Peoples Financial Services Corp (PFIS) Worth in 2026?
According to the CirclFi Deep Alpha Valuation Engine, our multi-model framework produces a cautiously optimistic read on Peoples Financial Services Corp at $67.74. With an estimated intrinsic value of $116.79 and 8 of 13 models pointing higher, the average implied return is +72.4%. The most optimistic model, ML-RIV, places fair value at $285.53 (+321.5%), while Regime Cross — the most conservative — estimates $14.20 (-79.0%). This +400.5% gap reflects genuine analytical uncertainty about Peoples Financial Services Corp's intrinsic worth.
What Do the Models Say About PFIS?
13 of 13 models are currently active for PFIS. Of these, 9 models suggest upside while 4 models suggest overvaluation. The Bayesian DCF estimates PFIS's intrinsic value at $84.24, implying +24.4% upside from the current price. See which stocks rank higher →
How Does PFIS Rank in National Commercial Banks?
Among 88 National Commercial Banks stocks, PFIS ranks #74 by Quality of Company score. CirclFi's QOC score of 5.6/10 evaluates 32 fundamental signals. A score of 5.6 reflects mixed fundamentals.
See all Most Undervalued National Commercial Banks Stocks →
Peoples Financial Services Corp's positioning within the National Commercial Banks segment means that non-performing loan ratio plays an outsized role in fundamental analysis. The sector's unique characteristics — including fee income diversification — shape both the opportunity set and risk profile.
Is PFIS a Value Trap?
CirclFi's Value Trap algorithm assigns PFIS a score of 20/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →
Multi-Model Methodology
13 of 13 models are active for Peoples Financial Services Corp. Broad coverage provides high confidence. Each model applies a fundamentally different valuation philosophy. See the complete methodology →
According to the CirclFi Quality of Company (QOC) framework, Peoples Financial Services Corp earns a quality score of 5.6/10. This respectable rating reflects the company's standing across 32 fundamental signals spanning profitability, growth consistency, balance sheet strength, and capital allocation efficiency.
The gap between the most bullish and bearish model spans +400.5% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →
Data Sources & Confidence
Every PFIS valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →
Across PFIS's 13 active models, average confidence is 39%. Lower confidence may reflect limited history or high volatility.
CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →
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