Expectations trend
FY2027 · fiscal year ending 2027-12-31 · fmp
Peoples Financial Services Corp. (PFIS)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
$72.94-2.34%
Close 2026-11-05 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
The long-term thesis, the evidence coming in, and the environment around it. Thesis dated Jul 8, 2026.
Next-FY EPS estimate change · 30 days
7.20 → 7.29 EPS · FY ending Dec 31, 2027 · 1 analyst
One observable signal. This measures changing earnings expectations, not the probability of a gain or loss.
Change in the same fiscal period’s mean EPS estimate from Oct 5, 2026 to Nov 4, 2026: (new ÷ prior − 1). Contributor count changed from 1 to 1; this is not the number of analysts revising. The ±10% axis is a display range.
The EPS and P/E reference is not available for PFIS yet.
| Measure / period | Management expectations | Analyst expectations |
|---|
Management figures unavailable.
Current consensus figures unavailable.
4 published thesis conditions, with dated milestones shown separately.
| Key Factor | Why It Matters | Current Status | Break Condition | Latest Evidence |
|---|---|---|---|---|
Maintain stable or slightly increasing dividends | Dividends are steady with slight increases, showing stable earnings. | Intact | Dividend per share falls below $0.60 next 4 quarters | Dividend per share: $0.62 per share FY2026-Q2; GAAP. Published target: Dividend per share >= $0.62 per quarter next 4 quarters. The stored target says 2026-Q1; this source reports FY2026-Q2. Fiscal/calendar alignment needs review. Aug 7, 20260.625 USD/share · source valueLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Compare these dated observations with the operating requirements above
FY2027 · fiscal year ending 2027-12-31 · fmp
The evidence, the remaining questions, and what comes next
No recovery evidence is reported in the available driver assessments.
Observed price history; separate from operating scenarios
The weekly editorial context below is a separate assessment from the dated monitor evidence above. Recovery observations do not automatically change the published thesis. Unverified outside influences are hypotheses, not measured driver evidence.
PFIS is a regional banking business with a moderate-risk, execution-dependent profile, rather than a clear durable compounder. Its long-term thesis is intact, and the latest signal improved to mildly favorable, though earnings quality remains fragile.
Valuation is broadly neutral versus peers, with PFIS at a modest premium. The expectations gap is slightly negative, suggesting expectations are a little ahead of the evidence, while the priced-in assessment says the setup is justified rather than highly fragile.
Near term, loan growth and the latest earnings beat support momentum, while lower nonperforming assets offer some evidence of improving credit quality. Over the multi-year view, earnings progress may be restrained if rising expenses continue to offset loan growth; recent expense discipline has been mixed, and year-to-date credit-loss provisioning increased.
The thesis depends on continued disciplined loan growth, stronger control of expenses, and prudent credit oversight. Near term, a guidance cut or Federal Reserve rate cuts would be negative risks, while continued earnings strength from sector bellwethers could support sector momentum.
Over the next one to three years, PFIS has a constructive but qualified business setup: recent performance is strong, yet earnings quality and expense control remain important watch points. Not investment advice.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Net income growth sustained near recent levels |
| Peoples Financial Services grows net income from $6.1M to $14.7M in 15 months. |
| Intact |
| Net income falls below $10 million next 4 quarters |
Net income: $14.805M FY2026-Q2; GAAP. Published target: >= $14.7 million net income next 4 quarters. The stored target says 2026-Q1; this source reports FY2026-Q2. Fiscal/calendar alignment needs review. Aug 7, 202614,805,000 USD · source valueLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Operating income growth sustained near recent levels | Operating income rose from $5.8M to $18.5M in the same period. | Intact | Operating income falls below $14 million next 4 quarters | Operating income: $18.423M FY2026-Q2; GAAP. Published target: >= $18.5 million operating income next 4 quarters. The stored target says 2026-Q1; this source reports FY2026-Q2. Fiscal/calendar alignment needs review. Aug 7, 202618,423,000 USD · source valueLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Revenue stabilizes or declines less than consensus | A primary condition in Peoples Financial Services Corp.'s published investment case. The stated target is Revenue decline no worse than -5% YoY next 4 quarters. | Intact | Revenue declines more than -5% YoY next 4 quarters | Revenue: $67.752M FY2026-Q2; GAAP. Published target: Revenue decline no worse than -5% YoY next 4 quarters. Reported actuals cannot certify a consensus target without an explicit period and accounting-basis binding. Aug 7, 202667,752,000 USD · source valueLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Stored thesis · Jul 8, 2026. Latest Evidence uses source-matched measurements where available, alongside the last thesis-monitor assessment. Source periods and assessment dates are shown separately. A new measurement does not automatically change the published status or verify an older target.
$7.30 → $7.29 · observed estimates
$0.22B → $0.23B · observed estimates
One fiscal period and provider throughout. At least five contributors are required for each plotted metric; missing coverage stays a gap. Axes show the observed range. Counts measure coverage, not revisions.
| Snapshot | EPS | Revenue | EPS / revenue analysts |
|---|---|---|---|
| 2026-07-24 | $7.30 | $222,400,000 | 2 / 2 |
| 2026-07-25 | $7.30 | $222,400,000 | 2 / 2 |
| 2026-07-26 | $7.30 | $222,400,000 | 2 / 2 |
| 2026-07-27 | $7.08 | $222,400,000 | 2 / 2 |
| 2026-07-28 | $7.08 | $222,400,000 | 2 / 2 |
| 2026-07-29 | $7.30 | $222,400,000 | 2 / 2 |
| 2026-07-30 | $7.30 | $222,400,000 | 2 / 2 |
| 2026-07-31 | $7.30 | $222,400,000 | 2 / 2 |
| 2026-08-01 | $7.30 | $222,400,000 | 2 / 2 |
| 2026-08-02 | $7.30 | $222,400,000 | 2 / 2 |
| 2026-08-03 | $7.30 | $222,400,000 | 2 / 2 |
| 2026-08-04 | $7.30 | $222,400,000 | 2 / 2 |
| 2026-08-05 | $7.30 | $222,400,000 | 2 / 2 |
| 2026-08-06 | $7.30 | $222,400,000 | 2 / 2 |
| 2026-08-07 | $7.30 | $222,400,000 | 2 / 2 |
| 2026-08-08 | $7.38 | $226,050,000 | 2 / 2 |
| 2026-08-09 | $7.30 | $222,400,000 | 2 / 2 |
| 2026-08-10 | $7.38 | $226,050,000 | 2 / 2 |
| 2026-08-12 | $7.38 | $226,050,000 | 2 / 2 |
| 2026-08-13 | $7.30 | $222,400,000 | 2 / 2 |
| 2026-08-14 | $7.30 | $222,400,000 | 2 / 2 |
| 2026-08-15 | $7.30 | $222,400,000 | 2 / 2 |
| 2026-08-16 | $7.30 | $222,400,000 | 2 / 2 |
| 2026-08-17 | $7.30 | $222,400,000 | 2 / 2 |
| 2026-08-18 | $7.30 | $222,400,000 | 2 / 2 |
| 2026-08-19 | $7.30 | $222,400,000 | 2 / 2 |
| 2026-08-20 | $7.30 | $222,400,000 | 2 / 2 |
| 2026-08-21 | $7.38 | $226,050,000 | 2 / 2 |
| 2026-08-22 | $7.38 | $226,050,000 | 2 / 2 |
| 2026-08-23 | $7.38 | $226,050,000 | 2 / 2 |
| 2026-08-24 | $7.38 | $226,050,000 | 2 / 2 |
| 2026-08-25 | $7.38 | $226,050,000 | 2 / 2 |
| 2026-08-26 | $7.38 | $226,050,000 | 2 / 2 |
| 2026-08-27 | $7.38 | $226,050,000 | 2 / 2 |
| 2026-08-28 | $7.38 | $226,050,000 | 2 / 2 |
| 2026-08-29 | $7.38 | $226,050,000 | 2 / 2 |
| 2026-08-30 | $7.38 | $226,050,000 | 2 / 2 |
| 2026-08-31 | $7.38 | $226,050,000 | 2 / 2 |
| 2026-09-01 | $7.38 | $226,050,000 | 2 / 2 |
| 2026-09-02 | $7.38 | $226,050,000 | 2 / 2 |
| 2026-09-03 | $7.38 | $226,050,000 | 2 / 2 |
| 2026-09-04 | $7.38 | $226,050,000 | 2 / 2 |
| 2026-09-05 | $7.38 | $226,050,000 | 2 / 2 |
| 2026-09-06 | $7.38 | $226,050,000 | 2 / 2 |
| 2026-09-07 | $7.38 | $226,050,000 | 2 / 2 |
| 2026-09-08 | $7.38 | $226,050,000 | 2 / 2 |
| 2026-09-09 | $7.38 | $226,050,000 | 2 / 2 |
| 2026-09-10 | $7.38 | $226,050,000 | 2 / 2 |
| 2026-09-11 | $7.38 | $226,050,000 | 2 / 2 |
| 2026-09-12 | $7.38 | $226,050,000 | 2 / 2 |
| 2026-09-13 | $7.38 | $226,050,000 | 2 / 2 |
| 2026-09-14 | $7.38 | $226,050,000 | 2 / 2 |
| 2026-09-15 | $7.38 | $226,050,000 | 2 / 2 |
| 2026-09-16 | $7.38 | $226,050,000 | 2 / 2 |
| 2026-09-17 | $7.38 | $226,050,000 | 2 / 2 |
| 2026-09-18 | $7.38 | $226,050,000 | 2 / 2 |
| 2026-09-19 | $7.38 | $226,050,000 | 2 / 2 |
| 2026-09-20 | $7.38 | $226,050,000 | 2 / 2 |
| 2026-09-21 | $7.38 | $226,050,000 | 2 / 2 |
| 2026-09-22 | $7.38 | $226,050,000 | 2 / 2 |
| 2026-09-23 | $7.38 | $226,050,000 | 2 / 2 |
| 2026-09-24 | $7.38 | $226,050,000 | 2 / 2 |
| 2026-09-25 | $7.20 | $223,900,000 | 1 / 2 |
| 2026-09-26 | $7.20 | $223,900,000 | 1 / 2 |
| 2026-09-27 | $7.20 | $223,900,000 | 1 / 1 |
| 2026-09-28 | $7.20 | $223,900,000 | 1 / 1 |
| 2026-09-29 | $7.20 | $223,900,000 | 1 / 1 |
| 2026-09-30 | $7.20 | $223,900,000 | 1 / 1 |
| 2026-10-01 | $7.20 | $223,900,000 | 1 / 1 |
| 2026-10-02 | $7.20 | $223,900,000 | 1 / 1 |
| 2026-10-03 | $7.20 | $223,900,000 | 1 / 1 |
| 2026-10-04 | $7.20 | $223,900,000 | 1 / 1 |
| 2026-10-05 | $7.20 | $223,900,000 | 1 / 1 |
| 2026-10-06 | $7.20 | $223,900,000 | 1 / 1 |
| 2026-10-07 | $7.20 | $223,900,000 | 1 / 1 |
| 2026-10-08 | $7.20 | $223,900,000 | 1 / 1 |
| 2026-10-09 | $7.20 | $223,900,000 | 1 / 1 |
| 2026-10-10 | $7.20 | $223,900,000 | 1 / 1 |
| 2026-10-11 | $7.20 | $223,900,000 | 1 / 1 |
| 2026-10-12 | $7.20 | $223,900,000 | 1 / 1 |
| 2026-10-13 | $7.20 | $223,900,000 | 1 / 1 |
| 2026-10-14 | $7.20 | $223,900,000 | 1 / 1 |
| 2026-10-15 | $7.20 | $223,900,000 | 1 / 1 |
| 2026-10-16 | $7.20 | $223,900,000 | 1 / 1 |
| 2026-10-17 | $7.20 | $223,900,000 | 1 / 1 |
| 2026-10-18 | $7.20 | $223,900,000 | 1 / 1 |
| 2026-10-19 | $7.20 | $223,900,000 | 1 / 1 |
| 2026-10-20 | $7.20 | $223,900,000 | 1 / 1 |
| 2026-10-21 | $7.20 | $223,900,000 | 1 / 1 |
| 2026-10-22 | $7.20 | $223,900,000 | 1 / 1 |
| 2026-10-23 | $7.20 | $223,900,000 | 1 / 1 |
| 2026-10-24 | $7.20 | $223,900,000 | 1 / 1 |
| 2026-10-25 | $7.20 | $223,900,000 | 1 / 1 |
| 2026-10-26 | $7.20 | $223,900,000 | 1 / 1 |
| 2026-10-27 | $7.20 | $223,900,000 | 1 / 1 |
| 2026-10-28 | $7.20 | $223,900,000 | 1 / 1 |
| 2026-10-29 | $7.20 | $223,900,000 | 1 / 1 |
| 2026-10-30 | $7.20 | $223,900,000 | 1 / 1 |
| 2026-10-31 | $7.20 | $223,900,000 | 1 / 1 |
| 2026-11-01 | $7.20 | $223,900,000 | 1 / 1 |
| 2026-11-02 | $7.20 | $223,900,000 | 1 / 1 |
| 2026-11-03 | $7.20 | $223,900,000 | 1 / 1 |
| 2026-11-04 | $7.29 | $225,050,000 | 1 / 1 |
Revenue and EPS estimates track expectations. They are not delivered results or like-for-like proof of a required annual path.
Latest: 0 Buy / Strong Buy · 2 Hold · 0 Sell / Strong Sell
Recent actions · Oct 6–Nov 4 · 0 recorded
Individual price-target observations are unavailable.
0 raises · 0 cuts · 0 unchanged · 0 without a comparable prior
Oct 6, 2026–Nov 4, 2026. Each firm's latest positive target is paired only with its immediately prior positive target from the same provider, at most 180 days earlier. Unmatched observations have one dot; conflicting observations are not compared.
Next earnings date unavailable
Look for updated results and guidance against the published targets, plus direct evidence for unresolved drivers.
Review earnings4 of 4 published conditions remain under pressure or need verification. The next results need to address those conditions.
The dated weekly assessment and its assumptions are available in Read detailed Outlook.