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Upturn AI SWOT - About
PFIS 
Peoples Fin (PFIS)
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Upturn Advisory Summary
04/01/2025: PFIS (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit 5.96% | Avg. Invested days 50 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 445.59M USD | Price to earnings Ratio 45.05 | 1Y Target Price 60 |
Price to earnings Ratio 45.05 | 1Y Target Price 60 | ||
Volume (30-day avg) 22867 | Beta 0.55 | 52 Weeks Range 34.59 - 58.30 | Updated Date 04/1/2025 |
52 Weeks Range 34.59 - 58.30 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 5.53% | Basic EPS (TTM) 0.99 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 7.38% | Operating Margin (TTM) 34.86% |
Management Effectiveness
Return on Assets (TTM) 0.19% | Return on Equity (TTM) 2.1% |
Valuation
Trailing PE 45.05 | Forward PE - | Enterprise Value 478693600 | Price to Sales(TTM) 3.87 |
Enterprise Value 478693600 | Price to Sales(TTM) 3.87 | ||
Enterprise Value to Revenue 4.48 | Enterprise Value to EBITDA - | Shares Outstanding 9990720 | Shares Floating 9186903 |
Shares Outstanding 9990720 | Shares Floating 9186903 | ||
Percent Insiders 7.35 | Percent Institutions 31.42 |
Analyst Ratings
Rating 3 | Target Price 60 | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold 2 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Peoples Fin
Company Overview
History and Background
Peoples Financial Services Corp. (PFIS) was founded in 1902 as Peoples Savings Bank in Biloxi, Mississippi. It has grown through acquisitions and organic expansion to offer a range of financial services across the Gulf Coast region.
Core Business Areas
- Commercial Banking: Provides loans, deposit accounts, and other financial services to businesses.
- Retail Banking: Offers checking accounts, savings accounts, mortgages, and other consumer financial products.
- Wealth Management: Provides investment management, financial planning, and trust services.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other key executives. The organizational structure is a traditional bank holding company model with various departments and regional branches.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for working capital, equipment, and real estate. Market share is estimated at approximately 3% within its operating region. Competitors include Hancock Whitney (HWC), and BancorpSouth Bank (BXS).
- Mortgage Loans: Residential mortgages for homebuyers. Market share is estimated at approximately 2% within its operating region. Competitors include Regions Financial (RF), and Cadence Bank (CADE).
- Deposit Accounts: Checking, savings, and money market accounts for consumers and businesses. Market share is estimated at approximately 4% within its operating region. Competitors include Hancock Whitney (HWC) and BankPlus.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges from rising interest rates, increased competition from fintech companies, and regulatory changes. However, there are opportunities for growth through digital banking and expanding into new markets.
Positioning
Peoples Fin is a regional bank focused on serving the Gulf Coast region. Its competitive advantages include its local market knowledge, strong customer relationships, and community involvement.
Total Addressable Market (TAM)
The TAM for banking services in the Gulf Coast region is estimated at $50 billion annually. Peoples Fin is positioned to capture a larger share of this market through strategic acquisitions and organic growth.
Upturn SWOT Analysis
Strengths
- Strong local market knowledge
- Established customer relationships
- Experienced management team
- Sound asset quality
Weaknesses
- Limited geographic footprint
- Smaller scale compared to larger banks
- Dependence on the Gulf Coast economy
- Lower brand recognition outside of its core market
Opportunities
- Acquisitions of smaller banks
- Expansion into new markets within the Gulf Coast region
- Increased adoption of digital banking
- Growth in wealth management services
Threats
- Rising interest rates
- Increased competition from larger banks and fintech companies
- Economic downturn in the Gulf Coast region
- Regulatory changes
Competitors and Market Share
Key Competitors
- HWC
- RF
- CADE
Competitive Landscape
Peoples Fin competes with larger regional and national banks. Its advantage is its local market knowledge and customer relationships. Its disadvantage is its smaller scale.
Major Acquisitions
Whitaker Bank Corporation of Kentucky
- Year: 2023
- Acquisition Price (USD millions): 82
- Strategic Rationale: Expanded into Kentucky which is a new market for the company. This acquisition allows for an increase in customer base and the bank's service offerings.
Growth Trajectory and Initiatives
Historical Growth: Growth has been steady through organic expansion and acquisitions.
Future Projections: Analyst estimates project moderate growth in revenue and earnings.
Recent Initiatives: Recent initiatives include expanding digital banking services and acquiring smaller banks.
Summary
Peoples Fin is a regional bank with a strong presence in the Gulf Coast. It is growing steadily through organic expansion and acquisitions. However, it faces challenges from larger competitors and regulatory changes. The company's local market knowledge and customer relationships are key strengths.
Similar Companies
BANF
BancFirst Corporation
BANF
BancFirst Corporation
CADE
Cadence Bancorp
CADE
Cadence Bancorp
HWC
Hancock Whitney Corp
HWC
Hancock Whitney Corp
Sources and Disclaimers
Data Sources:
- Company filings
- Analyst reports
- Industry data
Disclaimers:
The data and analysis provided are for informational purposes only and should not be considered investment advice. Market share estimates are approximate and may vary.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Peoples Fin
Exchange NASDAQ | Headquaters Scranton, PA, United States | ||
IPO Launch date 2002-06-05 | CEO & Director Mr. Gerard A. Champi | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 511 | Website https://www.psbt.com |
Full time employees 511 | Website https://www.psbt.com | ||
Peoples Financial Services Corp. provides commercial and retail banking services. The company accepts money market, negotiable order of withdrawal, savings, individual retirement, demand deposit, and certificates of deposit accounts. It also provides residential real estate, automobile, manufactured housing, personal, and home equity loans; and commercial real estate, working capital, construction, small business administration, and agricultural loans, as well as loans for equipment and other commercial needs, and mineral rights. In addition, the company offers fiduciary and investment services; investment management, IRA trustee, estate administration, living and life insurance trust, trustee under will, guardianship, custodial/IRA custodial, and corporate trust services, as well as pension and profit-sharing plans. Further, it provides wealth management products and services comprising investment portfolio management, estate and business succession planning, annuities, insurance, retirement plan, and tax planning, as well as education funding strategies; and securities, brokerage, and investor services. Additionally, the company offers small business checking and merchant money market accounts, online and telephone banking, business credit cards, merchant line of credit, and financial checkup services; and remote deposit capture, automatic clearing house transaction, cash management, automated teller machine, point of sale transaction, safe deposit box, night depository, direct deposit, and official check services. It serves business, non-profit, governmental, municipal agency, and professional customers, as well as retail customers. The company was founded in 1905 and is headquartered in Scranton, Pennsylvania.
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