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PFIS 
Peoples Fin (PFIS)
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Upturn Advisory Summary
02/20/2025: 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 5.94% | 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 02/20/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 492.04M USD | Price to earnings Ratio 49.75 | 1Y Target Price 60 |
Price to earnings Ratio 49.75 | 1Y Target Price 60 | ||
Volume (30-day avg) 30103 | Beta 0.54 | 52 Weeks Range 35.03 - 59.05 | Updated Date 02/21/2025 |
52 Weeks Range 35.03 - 59.05 | Updated Date 02/21/2025 | ||
Dividends yield (FY) 5.04% | Basic EPS (TTM) 0.99 |
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-01-23 | When Before Market | Estimate 1.505 | Actual 0.99 |
Profitability
Profit Margin 7.38% | Operating Margin (TTM) 30.65% |
Management Effectiveness
Return on Assets (TTM) 0.19% | Return on Equity (TTM) 2.1% |
Valuation
Trailing PE 49.75 | Forward PE - | Enterprise Value 511768160 | Price to Sales(TTM) 4.27 |
Enterprise Value 511768160 | Price to Sales(TTM) 4.27 | ||
Enterprise Value to Revenue 4.81 | Enterprise Value to EBITDA - | Shares Outstanding 9990720 | Shares Floating 9179577 |
Shares Outstanding 9990720 | Shares Floating 9179577 | ||
Percent Insiders 7.33 | Percent Institutions 31.04 |
AI Summary
Peoples Fin: A Comprehensive Overview
Company Profile
History and Background
Peoples Financial Corporation Inc. (NASDAQ: PFIS), doing business as Peoples Fin, is a financial holding company headquartered in Elkhart, Indiana. Founded in 1919, Peoples Fin has over a century of experience serving financial needs in Indiana and Michigan. The company has grown through acquisitions and organic expansion, becoming a leading community bank in its regions.
Core Business Areas
Peoples Fin operates through three primary segments:
- Community Banking: Provides traditional banking services, including deposit accounts, loans (commercial, residential, and consumer), and treasury management to individuals and businesses.
- Wealth Management: Offers investment and wealth management services to individuals, families, and businesses through a network of advisors.
- Insurance: Provides property and casualty insurance products through its subsidiary, Peoples Insurance Agency.
Leadership and Corporate Structure
The current leadership team of Peoples Fin consists of:
- President and CEO: Charles W. Blake
- Executive Vice President and Chief Operating Officer: Randy L. Green
- Executive Vice President and Chief Financial Officer: Mark A. Hirschey
- Executive Vice President and Chief Credit Officer: Michael W. Nelson
- Executive Vice President and Chief Risk Officer: David A. Martin
- Executive Vice President and Chief Banking Officer: Michael J. Kraus
The Board of Directors comprises eight members with diverse backgrounds and expertise in banking, finance, and other industries.
Top Products and Market Share
Key Products and Offerings
Peoples Fin's top products include:
- Checking and Savings Accounts: Variety of options to meet different needs, including high-yield accounts and online banking access.
- Loans: Residential mortgages, consumer loans for auto, home improvement, debt consolidation, etc., and commercial loans for businesses of various sizes.
- Investment Services: Retirement planning, wealth management, and brokerage services.
- Treasury Management: Cash management, online banking, and payment solutions for businesses.
- Insurance: Coverage for homes, autos, businesses, and other assets.
Market Share Analysis
Peoples Fin has a strong presence in its core markets of Indiana and Michigan. As of June 30, 2023, the company held:
- 10.3% deposit market share in the Elkhart County, Indiana market.
- 3.8% deposit market share in the Berrien County, Michigan market.
- 1.2% deposit market share in the South Bend, Indiana market.
It faces competition from larger regional banks and national financial institutions, requiring continuous innovation and customer service focus.
Total Addressable Market
The total addressable market (TAM) for Peoples Fin encompasses the entire banking and financial services industry in the United States. This vast market includes:
- Commercial Banking: Estimated at $2.5 trillion in assets.
- Retail Banking: Estimated at $13.5 trillion in deposits.
- Wealth Management: Estimated at $85 trillion in investable assets.
- Insurance: Estimated at $2.8 trillion in premium volume.
Considering Peoples Fin's regional focus and product diversification, the company's TAM within the US financial services industry is substantial.
Financial Performance
Recent Financial Statements Analysis
Revenue:
- Total revenue for the twelve months ending June 30, 2023, was $179.8 million, a 2.3% increase year-over-year.
- Net interest income, the primary revenue source, grew by 4.1% to $153.4 million.
Net Income:
- Net income for the twelve months ending June 30, 2023, was $27.6 million, a 2.3% decrease year-over-year.
- This decrease was primarily due to higher operating expenses and provision for credit losses.
Profit Margins:
- Net interest margin, a key profitability metric, was 3.59% for the twelve months ending June 30, 2023, compared to 3.65% in the prior year.
- The decrease in net interest margin was driven by lower interest rates and competition.
Earnings Per Share (EPS):
- Diluted EPS for the twelve months ending June 30, 2023, was $1.43 compared to $1.48 in the prior year.
Year-Over-Year Comparison
Peoples Fin's financial performance has been relatively stable in recent years, with moderate growth in revenue and net income. However, the company faces challenges from a competitive landscape and rising operating costs.
Cash Flow and Balance Sheet Health
Peoples Fin maintains a healthy balance sheet with a strong capital position.
- As of June 30, 2023, the company had $1.2 billion in total assets and $1.0 billion in total liabilities.
- The company has a Tier 1 capital ratio of 10.3%, well above regulatory requirements.
- Operating cash flow for the twelve months ending June 30, 2023, was $40.3 million, demonstrating the company's ability to generate cash from its core operations.
Dividends and Shareholder Returns
Dividend History
Peoples Fin has a history of paying dividends to shareholders, with a current annual dividend yield of 2.4%. The company has increased its dividend payout in recent years, demonstrating its commitment to returning value to shareholders.
Shareholder Returns
Total shareholder returns for Peoples Fin have been positive in recent years, outperforming the broader market. However, the stock price has fluctuated significantly due to various market factors.
Growth Trajectory
Historical Growth Analysis
Peoples Fin has experienced steady growth over the past five to ten years, driven by organic expansion and strategic acquisitions. Revenue and net income have increased at a compound annual growth rate (CAGR) of approximately 5% during this period.
Future Growth Projections
Future growth projections for Peoples Fin are modest, with analysts expecting revenue and earnings to grow in the low single digits in the coming years. The company's growth strategy will focus on expanding its loan portfolio, enhancing its digital capabilities, and exploring new markets.
Recent Initiatives for Growth
- Expansion into new markets: In 2022, Peoples Fin acquired a bank in Michigan, expanding its footprint into a new state.
- Investment in digital banking: The company has invested in online and mobile banking platforms to improve customer convenience and accessibility.
- Development of new products and services:
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 - | Website https://www.psbt.com |
Full time employees - | Website https://www.psbt.com | ||
Peoples Financial Services Corp. operates as the bank holding company for Peoples Security Bank and Trust Company that provides various 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. Peoples Financial Services Corp. was founded in 1905 and is headquartered in Scranton, Pennsylvania.
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