Peoples Financial Services (PFIS)
Runs Peoples Security Bank across Pennsylvania, New Jersey, and New York.
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Runs Peoples Security Bank, offering commercial and real estate lending, deposits, cash management, trust, and wealth services. The franchise is concentrated in Pennsylvania, New Jersey, and New York and is managed as one community banking segment shaped by loan credit, deposit funding, interest rates, and the FNCB merger.
Through its Peoples Security Bank subsidiary, operates an independent community bank serving retail, commercial, nonprofit, municipal, and government customers. Products include commercial lending and leasing, real-estate secured lending, equipment finance, working-capital lines, deposits, cash management, trust, and wealth management.
The franchise is concentrated in Pennsylvania, New Jersey, and New York, with a footprint enlarged by the FNCB merger. The bank is reported as a single operating segment, reflecting shared products, customers, delivery systems, and regulatory oversight across its offices.
Operating discipline centers on relationship banking: direct access to senior management, local decision-making, and consistently applied credit policies. Earnings depend on deposit funding, loan credit quality, commercial-real-estate exposure, interest rates, service-fee lines, and integration scale after FNCB.
Company facts
No analyst consensus on record.
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $74.9M · Total debt $239.8M · Total assets $5.44B · Shareholders' equity $536.2M
- Revenue
- $74.3M
- Operating income
- $18.4M
- Net income
- $14.8M
HistoryDividendAnnual yield
| Institutions | ≈ 35.76% | 3.58M shares | |
|---|---|---|---|
| 124 holders · as of Jun 30, 2026 · largest filers plus last quarter's tail | |||
| Insiders | 7.72% | 772.8K shares | |
| 28 holders · as of Sep 1, 2026 | |||
| Other | ≈ 56.52% | 5.66M shares | |
| remainder | |||
10.01M company shares as of Sep 23, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing
This quarter's institutional total failed a plausibility check; shown: the largest filers plus last quarter's remainder.
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Date |
|---|---|---|---|
BlackRock, Inc.Institution | 7.44% | 744,487 | as of Jun 30, 2026 |
Vanguard Capital Management LLCInstitution | 4.03% | 403,159 | as of Jun 30, 2026 |
Louis A. DenaplesInsiderdirector | 3.40% | 340,613 | filed Feb 3, 2026 |
Dimensional Fund Advisors LPInstitution | 3.39% | 339,265 | as of Jun 30, 2026 |
Geode Capital Management, LLCInstitution | 2.49% | 249,636 | as of Jun 30, 2026 |
Insider tradesForm 4
No open-market trades in the last 12 months.
- Fulton Financial
Broad Mid-Atlantic commercial, branch, and wealth overlap
- Community Financial System
Direct NY and northeastern PA banking and wealth overlap
- NBT Bancorp
Northeast community bank overlap in NY and Pennsylvania
- WSFS Bank
PA/NJ commercial, treasury, and wealth overlap
- Univest Financial
PA/NJ banking, municipal, wealth, and equipment overlap
- S&T Bancorp
Pennsylvania commercial, deposit, cash-management overlap
- Norwood Financial
Close NE PA and NY branch-market and municipal overlap
- Citizens & Northern
Close PA/NY community-bank, wealth, and lending overlap
CompareAfter hours
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Peoples Financial Services | $68.51 | +0.26% | $698.1M | 12.3 | 9.7 | 2.4 | +7.6% |
| Fulton Financial | $22.75 | +0.02% | $4.40B | 11.0 | 10.3 | 2.3 | +13.5% |
| Community Financial System | $60.69 | −0.12% | $3.21B | 14.2 | 12.5 | 3.1 | +9.6% |
| NBT Bancorp | $50.48 | −0.02% | $2.64B | 12.5 | 11.5 | 2.8 | +9.4% |
| WSFS Bank | $76.99 | +0.03% | $4.00B | 12.9 | 11.7 | 2.9 | +5.6% |
| Univest Financial | $41.41 | +0.06% | $1.15B | 12.1 | 10.7 | 2.2 | +4.1% |
| S&T Bancorp | $49.10 | 0.00% | $1.74B | 13.2 | 12.4 | 3.1 | +5.2% |
| Norwood Financial | $33.34 | +0.21% | $373.9M | 10.9 | 8.8 | 2.6 | +37.8% |
| Citizens & Northern | $25.22 | +0.10% | $460.1M | 17.4 | 9.4 | 2.8 | +46.4% |
| Median | 12.7 | 11.1 | 2.8 | +9.5% |