Is DocuSign Stock Undervalued?
Digital signature software business DocuSign (NASDAQ:DOCU) has been struggling over…
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PFIS Quote, Financials, Valuation and Earnings
Last price:
$49.41
Seasonality move
:
-1.18%
Day range:
$49.01 - $49.96
52-week range:
$38.90 - $54.20
Dividend yield:
4.98%
P/E ratio:
9.36x
P/S ratio:
1.77x
P/B ratio:
0.97x
Volume:
10.5K
Avg. volume:
26.2K
1-year change:
-5.01%
Market cap:
$495.3M
Revenue:
$229.4M
EPS (TTM):
$5.29
Price Performance History
Performance vs. Valuation Benchmarks
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Competitors
| Company | Revenue Forecast | Earnings Forecast | Revenue Growth Forecast | Earnings Growth Forecast | Analyst Price Target Median |
|---|---|---|---|---|---|
|
PFIS
Peoples Financial Services Corp.
|
$48.5M | $1.52 | -32.32% | 150.99% | $50.00 |
|
AROW
Arrow Financial Corp.
|
$43.7M | $0.78 | -21.27% | 203.37% | $33.50 |
|
AUBN
Auburn National Bancorporation, Inc.
|
-- | -- | -- | -- | -- |
|
CZNC
Citizens & Northern Corp.
|
$35.9M | $0.59 | -13.4% | 10.48% | $22.50 |
|
PEBO
Peoples Bancorp, Inc. (Ohio)
|
$117.5M | $0.79 | -23.9% | 16.15% | $34.00 |
|
SHBI
Shore Bancshares, Inc.
|
$57.8M | $0.45 | -32.5% | 17.43% | $19.00 |
| Company | Price | Analyst Target | Market Cap | P/E Ratio | Dividend per Share | Dividend Yield | Price / LTM Sales |
|---|---|---|---|---|---|---|---|
|
PFIS
Peoples Financial Services Corp.
|
$49.56 | $50.00 | $495.3M | 9.36x | $0.62 | 4.98% | 1.77x |
|
AROW
Arrow Financial Corp.
|
$31.47 | $33.50 | $517.4M | 15.13x | $0.29 | 3.62% | 2.22x |
|
AUBN
Auburn National Bancorporation, Inc.
|
$26.95 | -- | $94.2M | 13.17x | $0.27 | 4.01% | 2.16x |
|
CZNC
Citizens & Northern Corp.
|
$20.63 | $22.50 | $367.3M | 11.79x | $0.28 | 5.43% | 1.97x |
|
PEBO
Peoples Bancorp, Inc. (Ohio)
|
$30.53 | $34.00 | $1.1B | 10.68x | $0.41 | 5.34% | 1.75x |
|
SHBI
Shore Bancshares, Inc.
|
$17.94 | $19.00 | $599.7M | 10.53x | $0.12 | 2.68% | 1.77x |
| Company | Total Debt / Total Capital | Beta | Debt to Equity | Quick Ratio |
|---|---|---|---|---|
|
PFIS
Peoples Financial Services Corp.
|
37.42% | 1.190 | 62.69% | 0.00x |
|
AROW
Arrow Financial Corp.
|
7.46% | 0.732 | 7.24% | 0.00x |
|
AUBN
Auburn National Bancorporation, Inc.
|
-- | 0.984 | -- | 0.00x |
|
CZNC
Citizens & Northern Corp.
|
37.22% | 0.740 | 56.63% | 0.00x |
|
PEBO
Peoples Bancorp, Inc. (Ohio)
|
37.88% | 0.881 | 67.53% | 0.00x |
|
SHBI
Shore Bancshares, Inc.
|
19.06% | 1.169 | 24.78% | 0.00x |
| Company | Gross Profit | Operating Income | Return on Invested Capital | Return on Common Equity | EBIT Margin | Free Cash Flow |
|---|---|---|---|---|---|---|
|
PFIS
Peoples Financial Services Corp.
|
-- | $19.5M | 7.6% | 10.97% | 60.26% | $13M |
|
AROW
Arrow Financial Corp.
|
-- | $16.6M | 7.46% | 8.5% | 57.88% | $14.3M |
|
AUBN
Auburn National Bancorporation, Inc.
|
-- | $2.9M | 8.48% | 8.48% | 50.62% | $3.5M |
|
CZNC
Citizens & Northern Corp.
|
-- | $8.9M | 5.6% | 9.51% | 47.39% | $8.5M |
|
PEBO
Peoples Bancorp, Inc. (Ohio)
|
-- | $38M | 6.14% | 8.84% | 50.74% | $12.7M |
|
SHBI
Shore Bancshares, Inc.
|
-- | $19M | 8.25% | 10.27% | 55.98% | $27.7M |
Peoples Financial Services Corp. vs. Competitors
-
Which has Higher Returns PFIS or AROW?
Arrow Financial Corp. has a net margin of 21.46% compared to Peoples Financial Services Corp.'s net margin of 20.58%. Peoples Financial Services Corp.'s return on equity of 10.97% beat Arrow Financial Corp.'s return on equity of 8.5%.
Company Gross Margin Earnings Per Share Invested Capital PFISPeoples Financial Services Corp.-- $1.51 $813.8M AROWArrow Financial Corp.-- $0.78 $451.4M -
What do Analysts Say About PFIS or AROW?
Peoples Financial Services Corp. has a consensus price target of $50.00, signalling upside risk potential of 0.9%. On the other hand Arrow Financial Corp. has an analysts' consensus of $33.50 which suggests that it could grow by 6.45%. Given that Arrow Financial Corp. has higher upside potential than Peoples Financial Services Corp., analysts believe Arrow Financial Corp. is more attractive than Peoples Financial Services Corp..
Company Buy Ratings Hold Ratings Sell Ratings PFISPeoples Financial Services Corp.0 2 0 AROWArrow Financial Corp.1 0 0 -
Is PFIS or AROW More Risky?
Peoples Financial Services Corp. has a beta of 0.795, which suggesting that the stock is 20.453% less volatile than S&P 500. In comparison Arrow Financial Corp. has a beta of 0.821, suggesting its less volatile than the S&P 500 by 17.928%.
-
Which is a Better Dividend Stock PFIS or AROW?
Peoples Financial Services Corp. has a quarterly dividend of $0.62 per share corresponding to a yield of 4.98%. Arrow Financial Corp. offers a yield of 3.62% to investors and pays a quarterly dividend of $0.29 per share. Peoples Financial Services Corp. pays 207.62% of its earnings as a dividend. Arrow Financial Corp. pays out 61.44% of its earnings as a dividend. Arrow Financial Corp.'s payout ratio is sufficient to cover dividend payouts with earnings for the foreseeable future, but Peoples Financial Services Corp.'s is not.
-
Which has Better Financial Ratios PFIS or AROW?
Peoples Financial Services Corp. quarterly revenues are $71.1M, which are larger than Arrow Financial Corp. quarterly revenues of $62.3M. Peoples Financial Services Corp.'s net income of $15.2M is higher than Arrow Financial Corp.'s net income of $12.8M. Notably, Peoples Financial Services Corp.'s price-to-earnings ratio is 9.36x while Arrow Financial Corp.'s PE ratio is 15.13x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Peoples Financial Services Corp. is 1.77x versus 2.22x for Arrow Financial Corp.. Usually stocks with elevated PS ratios are considered overvalued.
Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income PFISPeoples Financial Services Corp.1.77x 9.36x $71.1M $15.2M AROWArrow Financial Corp.2.22x 15.13x $62.3M $12.8M
-
Which has Higher Returns PFIS or AUBN?
Auburn National Bancorporation, Inc. has a net margin of 21.46% compared to Peoples Financial Services Corp.'s net margin of 19.81%. Peoples Financial Services Corp.'s return on equity of 10.97% beat Auburn National Bancorporation, Inc.'s return on equity of 8.48%.
Company Gross Margin Earnings Per Share Invested Capital PFISPeoples Financial Services Corp.-- $1.51 $813.8M AUBNAuburn National Bancorporation, Inc.-- $0.64 $89.6M -
What do Analysts Say About PFIS or AUBN?
Peoples Financial Services Corp. has a consensus price target of $50.00, signalling upside risk potential of 0.9%. On the other hand Auburn National Bancorporation, Inc. has an analysts' consensus of -- which suggests that it could fall by --. Given that Peoples Financial Services Corp. has higher upside potential than Auburn National Bancorporation, Inc., analysts believe Peoples Financial Services Corp. is more attractive than Auburn National Bancorporation, Inc..
Company Buy Ratings Hold Ratings Sell Ratings PFISPeoples Financial Services Corp.0 2 0 AUBNAuburn National Bancorporation, Inc.0 0 0 -
Is PFIS or AUBN More Risky?
Peoples Financial Services Corp. has a beta of 0.795, which suggesting that the stock is 20.453% less volatile than S&P 500. In comparison Auburn National Bancorporation, Inc. has a beta of 0.438, suggesting its less volatile than the S&P 500 by 56.224%.
-
Which is a Better Dividend Stock PFIS or AUBN?
Peoples Financial Services Corp. has a quarterly dividend of $0.62 per share corresponding to a yield of 4.98%. Auburn National Bancorporation, Inc. offers a yield of 4.01% to investors and pays a quarterly dividend of $0.27 per share. Peoples Financial Services Corp. pays 207.62% of its earnings as a dividend. Auburn National Bancorporation, Inc. pays out 58.98% of its earnings as a dividend. Auburn National Bancorporation, Inc.'s payout ratio is sufficient to cover dividend payouts with earnings for the foreseeable future, but Peoples Financial Services Corp.'s is not.
-
Which has Better Financial Ratios PFIS or AUBN?
Peoples Financial Services Corp. quarterly revenues are $71.1M, which are larger than Auburn National Bancorporation, Inc. quarterly revenues of $11.2M. Peoples Financial Services Corp.'s net income of $15.2M is higher than Auburn National Bancorporation, Inc.'s net income of $2.2M. Notably, Peoples Financial Services Corp.'s price-to-earnings ratio is 9.36x while Auburn National Bancorporation, Inc.'s PE ratio is 13.17x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Peoples Financial Services Corp. is 1.77x versus 2.16x for Auburn National Bancorporation, Inc.. Usually stocks with elevated PS ratios are considered overvalued.
Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income PFISPeoples Financial Services Corp.1.77x 9.36x $71.1M $15.2M AUBNAuburn National Bancorporation, Inc.2.16x 13.17x $11.2M $2.2M
-
Which has Higher Returns PFIS or CZNC?
Citizens & Northern Corp. has a net margin of 21.46% compared to Peoples Financial Services Corp.'s net margin of 15.87%. Peoples Financial Services Corp.'s return on equity of 10.97% beat Citizens & Northern Corp.'s return on equity of 9.51%.
Company Gross Margin Earnings Per Share Invested Capital PFISPeoples Financial Services Corp.-- $1.51 $813.8M CZNCCitizens & Northern Corp.-- $0.42 $468.2M -
What do Analysts Say About PFIS or CZNC?
Peoples Financial Services Corp. has a consensus price target of $50.00, signalling upside risk potential of 0.9%. On the other hand Citizens & Northern Corp. has an analysts' consensus of $22.50 which suggests that it could grow by 9.07%. Given that Citizens & Northern Corp. has higher upside potential than Peoples Financial Services Corp., analysts believe Citizens & Northern Corp. is more attractive than Peoples Financial Services Corp..
Company Buy Ratings Hold Ratings Sell Ratings PFISPeoples Financial Services Corp.0 2 0 CZNCCitizens & Northern Corp.0 1 0 -
Is PFIS or CZNC More Risky?
Peoples Financial Services Corp. has a beta of 0.795, which suggesting that the stock is 20.453% less volatile than S&P 500. In comparison Citizens & Northern Corp. has a beta of 0.571, suggesting its less volatile than the S&P 500 by 42.86%.
-
Which is a Better Dividend Stock PFIS or CZNC?
Peoples Financial Services Corp. has a quarterly dividend of $0.62 per share corresponding to a yield of 4.98%. Citizens & Northern Corp. offers a yield of 5.43% to investors and pays a quarterly dividend of $0.28 per share. Peoples Financial Services Corp. pays 207.62% of its earnings as a dividend. Citizens & Northern Corp. pays out 66.39% of its earnings as a dividend. Citizens & Northern Corp.'s payout ratio is sufficient to cover dividend payouts with earnings for the foreseeable future, but Peoples Financial Services Corp.'s is not.
-
Which has Better Financial Ratios PFIS or CZNC?
Peoples Financial Services Corp. quarterly revenues are $71.1M, which are larger than Citizens & Northern Corp. quarterly revenues of $40.9M. Peoples Financial Services Corp.'s net income of $15.2M is higher than Citizens & Northern Corp.'s net income of $6.5M. Notably, Peoples Financial Services Corp.'s price-to-earnings ratio is 9.36x while Citizens & Northern Corp.'s PE ratio is 11.79x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Peoples Financial Services Corp. is 1.77x versus 1.97x for Citizens & Northern Corp.. Usually stocks with elevated PS ratios are considered overvalued.
Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income PFISPeoples Financial Services Corp.1.77x 9.36x $71.1M $15.2M CZNCCitizens & Northern Corp.1.97x 11.79x $40.9M $6.5M
-
Which has Higher Returns PFIS or PEBO?
Peoples Bancorp, Inc. (Ohio) has a net margin of 21.46% compared to Peoples Financial Services Corp.'s net margin of 18.66%. Peoples Financial Services Corp.'s return on equity of 10.97% beat Peoples Bancorp, Inc. (Ohio)'s return on equity of 8.84%.
Company Gross Margin Earnings Per Share Invested Capital PFISPeoples Financial Services Corp.-- $1.51 $813.8M PEBOPeoples Bancorp, Inc. (Ohio)-- $0.83 $1.9B -
What do Analysts Say About PFIS or PEBO?
Peoples Financial Services Corp. has a consensus price target of $50.00, signalling upside risk potential of 0.9%. On the other hand Peoples Bancorp, Inc. (Ohio) has an analysts' consensus of $34.00 which suggests that it could grow by 11.37%. Given that Peoples Bancorp, Inc. (Ohio) has higher upside potential than Peoples Financial Services Corp., analysts believe Peoples Bancorp, Inc. (Ohio) is more attractive than Peoples Financial Services Corp..
Company Buy Ratings Hold Ratings Sell Ratings PFISPeoples Financial Services Corp.0 2 0 PEBOPeoples Bancorp, Inc. (Ohio)1 5 0 -
Is PFIS or PEBO More Risky?
Peoples Financial Services Corp. has a beta of 0.795, which suggesting that the stock is 20.453% less volatile than S&P 500. In comparison Peoples Bancorp, Inc. (Ohio) has a beta of 0.670, suggesting its less volatile than the S&P 500 by 33%.
-
Which is a Better Dividend Stock PFIS or PEBO?
Peoples Financial Services Corp. has a quarterly dividend of $0.62 per share corresponding to a yield of 4.98%. Peoples Bancorp, Inc. (Ohio) offers a yield of 5.34% to investors and pays a quarterly dividend of $0.41 per share. Peoples Financial Services Corp. pays 207.62% of its earnings as a dividend. Peoples Bancorp, Inc. (Ohio) pays out 48.1% of its earnings as a dividend. Peoples Bancorp, Inc. (Ohio)'s payout ratio is sufficient to cover dividend payouts with earnings for the foreseeable future, but Peoples Financial Services Corp.'s is not.
-
Which has Better Financial Ratios PFIS or PEBO?
Peoples Financial Services Corp. quarterly revenues are $71.1M, which are smaller than Peoples Bancorp, Inc. (Ohio) quarterly revenues of $156.6M. Peoples Financial Services Corp.'s net income of $15.2M is lower than Peoples Bancorp, Inc. (Ohio)'s net income of $29.2M. Notably, Peoples Financial Services Corp.'s price-to-earnings ratio is 9.36x while Peoples Bancorp, Inc. (Ohio)'s PE ratio is 10.68x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Peoples Financial Services Corp. is 1.77x versus 1.75x for Peoples Bancorp, Inc. (Ohio). Usually stocks with elevated PS ratios are considered overvalued.
Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income PFISPeoples Financial Services Corp.1.77x 9.36x $71.1M $15.2M PEBOPeoples Bancorp, Inc. (Ohio)1.75x 10.68x $156.6M $29.2M
-
Which has Higher Returns PFIS or SHBI?
Shore Bancshares, Inc. has a net margin of 21.46% compared to Peoples Financial Services Corp.'s net margin of 16.9%. Peoples Financial Services Corp.'s return on equity of 10.97% beat Shore Bancshares, Inc.'s return on equity of 10.27%.
Company Gross Margin Earnings Per Share Invested Capital PFISPeoples Financial Services Corp.-- $1.51 $813.8M SHBIShore Bancshares, Inc.-- $0.43 $713.1M -
What do Analysts Say About PFIS or SHBI?
Peoples Financial Services Corp. has a consensus price target of $50.00, signalling upside risk potential of 0.9%. On the other hand Shore Bancshares, Inc. has an analysts' consensus of $19.00 which suggests that it could grow by 5.91%. Given that Shore Bancshares, Inc. has higher upside potential than Peoples Financial Services Corp., analysts believe Shore Bancshares, Inc. is more attractive than Peoples Financial Services Corp..
Company Buy Ratings Hold Ratings Sell Ratings PFISPeoples Financial Services Corp.0 2 0 SHBIShore Bancshares, Inc.1 1 0 -
Is PFIS or SHBI More Risky?
Peoples Financial Services Corp. has a beta of 0.795, which suggesting that the stock is 20.453% less volatile than S&P 500. In comparison Shore Bancshares, Inc. has a beta of 0.942, suggesting its less volatile than the S&P 500 by 5.756%.
-
Which is a Better Dividend Stock PFIS or SHBI?
Peoples Financial Services Corp. has a quarterly dividend of $0.62 per share corresponding to a yield of 4.98%. Shore Bancshares, Inc. offers a yield of 2.68% to investors and pays a quarterly dividend of $0.12 per share. Peoples Financial Services Corp. pays 207.62% of its earnings as a dividend. Shore Bancshares, Inc. pays out 36.4% of its earnings as a dividend. Shore Bancshares, Inc.'s payout ratio is sufficient to cover dividend payouts with earnings for the foreseeable future, but Peoples Financial Services Corp.'s is not.
-
Which has Better Financial Ratios PFIS or SHBI?
Peoples Financial Services Corp. quarterly revenues are $71.1M, which are smaller than Shore Bancshares, Inc. quarterly revenues of $84.9M. Peoples Financial Services Corp.'s net income of $15.2M is higher than Shore Bancshares, Inc.'s net income of $14.3M. Notably, Peoples Financial Services Corp.'s price-to-earnings ratio is 9.36x while Shore Bancshares, Inc.'s PE ratio is 10.53x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Peoples Financial Services Corp. is 1.77x versus 1.77x for Shore Bancshares, Inc.. Usually stocks with elevated PS ratios are considered overvalued.
Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income PFISPeoples Financial Services Corp.1.77x 9.36x $71.1M $15.2M SHBIShore Bancshares, Inc.1.77x 10.53x $84.9M $14.3M
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