PFIS Peoples Financial Services Corp.

XNAS 50.43 Delayed
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PFIS $50.43 —
Key stats
$50.43
52-Week Range
$43.64 – $73.37
YTD
+4.65%
Straddle Price
$3.10
Market Cap
$0.7B
Open
$68.89
Day Range
$68.89 – $70.08
Volume
11,787
Prev Close
$68.78
Fair Value
MODEL: NEUTRAL

A blended fair-value estimate combining up to six valuation methods. Each method is weighted by how well it fits the company — DCF down-weights for unprofitable names; DDM only fires for steady dividend payers; comparables down-weight when peer multiples disagree.

  • DCF (quality-aware) — projects free cash flow with a horizon that scales to business quality. True compounders (quality 6/6) get 10 years explicit + 10 years fade before terminal; cyclical/struggling names (quality 0-1) get a 5-year terminal cliff. Quality is scored from ROE, gross margin, growth, FCF margin, debt load, and FCF consistency — the same factors that drive market premium for compounders.
  • Market-Implied Growth (in Model Inputs) — reverse-DCF that answers "what growth rate is the market pricing in?". Lets you sanity-check the deviation: if implied growth is plausible for the business, the model's bearish flag may be wrong; if implausible, the market may be over-extrapolating.
  • DDM (Gordon Growth Dividend Model) — values the stream of future dividends. Only used when trailing yield ≥ 2% and dividend payments are stable — below that the dividend is a token payout and Gordon (which values only the dividend stream) systematically underprices growth names, so those route to DCF + comparables + market anchor instead.
  • P/E, EV/EBITDA, P/B, P/S — applies the peer-group median multiple to this company's per-share metric. Peers come from the same set as the "Related symbols" card. Earnings/sales metrics are forward-tilted by the company's recent revenue growth (capped at 25%) so they're comparable to peers' growth-embedded multiples — mimics how analysts use NTM rather than TTM. Per-multiple weights are biased by company quality (e.g. P/B down-weighted for asset-light tech).
  • Market Anchor (SMA50) — the 50-day moving average, weighted by recent trading-range stability (tighter Bollinger bands → higher weight). Captures information fundamentals miss (forward consensus, sentiment, supply/demand) — but only when recent trading is steady enough that the market has converged on a view. During wild breakouts or breakdowns the anchor's weight collapses.
  • Options Expected (B-L 30d) — the risk-neutral expected stock price at 30-day options expiration, derived from the full implied-volatility surface via Breeden-Litzenberger (second derivative of call price wrt strike → implied PDF, then E[S_T]). Forward-looking, captures all options-implied information (smile, skew, term structure) in one number. Weighted by chain liquidity. SP500-only at present (pre-computed daily). Backtest evidence: adds modest alpha across most bucket × holding combos.
  • Blended value — weighted average. Confidence reflects how many methods fired and how tight peer dispersion is.
  • Deviation pill — green when blended FV ≥ 10% above current price (undervalued); red when ≥ 10% below; grey otherwise.
10-yr Treasury (rf)5.15%
Beta vs SPY0.71
Cost of Equity (CAPM)8.70%
WACC7.91%
Effective Tax Rate18.7%
Rev. Growth (YoY, DCF input)+0.0%
DCF Horizon12 years explicit + fade
Free Cash Flow (TTM)$0.0B
Return on Equity (TTM)10.6%
Book / Price75.9% — banking bias active (P/B is primary)
Bank Quality Adj×0.98 (target ROE vs peer median)
Gross Margin (TTM)67.4%
FCF Margin (TTM)17.4%
Debt / Equity0.43
Quality Score4/6 — high quality (12y DCF)
Market-Implied Growth+1.2% (reverse-DCF on current price)
SMA 50$69.76 (Market Anchor value)
SMA 20 / Bollinger Mid$68.54
Bollinger Width / SMA206.2% (drives anchor stability)
Net Debt$0.2B
Market Cap$1B
Peers used for multiples: CCBG, CTO, FISI, IBCP, ORRF, PGC, WASH (filtered from 8 ETF-co-members; sector bias active)
60-Day Conviction
25%
20-Day Fair Value
≈ by Nov 20, 2026
$69.99
α +0.3% rank 11%
conviction
19%
40-Day Fair Value
≈ by Dec 21, 2026
$70.50
α +1.0% rank 19%
conviction
31%
60-Day Fair Value
≈ by Jan 19, 2027
$70.26
α +0.7% rank 13%
conviction
25%
MethodImplied PriceWeightDetail
DCF $62.18 21%
DDM (Gordon) $28.75 17%
Peer P/E $75.07 6% median 13.1× · 7 peers
Peer EV/EBITDA n/a 0% median 10.7× · 7 peers
Peer P/B $68.38 10% median 1.3× · 7 peers
Peer P/S $63.54 3% median 2.3× · 7 peers
Market Anchor (SMA50) $69.76 43% stability 100% (BB-width)
Options Expected (B-L 30d) n/a 0%
As of 2026-10-22 · updated
About
Industry (SIC)
NATIONAL COMMERCIAL BANKS (6021) · industry map
Exchange
XNAS
Market Cap
$0.7B
Employees
583
List Date
1995-05-16
CIK
0001056943
Next Earnings
2026-10-29 (After-Close)
EPS Forecast
$1.72 (1 est.)
Headquarters
Moosic, PA
Homepage
https://www.psbt.com

Peoples Financial Services Corp is a bank holding company operating through its subsidiaries. The bank provides a full range of financial services. Its products and services include checking accounts, business accounts, savings accounts, loan products, money market accounts, mortgages, chip-enabled debit cards, credit card processing, equipment finance, working capital lines of credit, and construction loans, and visa master card and advisory services. Its loan portfolio includes Commercial loans, which consist of commercial, commercial real estate, municipal, and other related tax-free loans;…

Summary
—
composite
—
No summary data available for this symbol yet.

Each spoke is this symbol's rank within its sector (0–100; the dotted ring marks the sector median at 50). Higher is more constructive for a long. One spoke — News sentiment — is an absolute reading, not a sector rank. Grayed spokes have no data. A fuller shape is a summary, not a recommendation.

Chart
Seasonality
'21'22'23'24'25'26Avg
Jan-1.45%-2.89%0.31%-10.43%4.30%8.11%-0.34%
Feb13.65%-5.27%-3.01%-5.44%-4.18%-0.50%-0.79%
Mar-2.02%8.91%-11.71%9.81%-7.60%-1.80%-0.73%
Apr-1.43%-0.36%-4.96%-8.13%-3.09%5.07%-2.15%
May-1.35%5.62%-2.13%0.00%8.78%4.76%2.61%
Jun-1.50%6.85%13.40%19.81%3.59%14.35%9.42%
Jul0.92%-5.08%7.09%9.12%-5.14%3.24%1.69%
Aug7.16%-8.27%-6.14%0.44%11.75%-2.29%0.44%
Sep-1.38%-3.00%-10.29%1.98%-7.78%-1.94%-3.73%
Oct-1.06%14.13%-2.68%3.57%-7.27%2.39%*1.51%
Nov0.68%3.72%9.48%17.10%8.59%--7.91%
Dec9.66%-7.13%10.66%-7.73%-1.34%--0.82%
Total22.46%4.60%-3.67%28.04%-2.06%34.66%14.01%
Technical Indicators

Quick-reference for reading the values below. Indicators combine to confirm a view — no single one is a trade signal on its own.

Trend Indicators
  • SMA 20 / 50 / 200 — price above = uptrend, below = downtrend. SMA 50 crossing SMA 200 is the golden/death cross.
  • EMA 12 / 26 — faster-reacting averages; 12 above 26 is short-term bullish.
  • MACD — bullish when MACD > signal (green badge), bearish when below. Divergence from price often precedes reversals.
  • ADX (14) — trend strength regardless of direction. <20 range, 20–25 weak trend, 25–50 trend, >50 strong trend.
  • +DI / −DI — +DI > −DI favors bulls; the reverse favors bears. Read alongside ADX.
Momentum Oscillators
  • RSI (14) — <30 oversold, >70 overbought. 40–60 is neutral; trending names can stay extreme.
  • Stochastic %K / %D — <20 oversold, >80 overbought. %K crossing %D is an early momentum signal.
  • Williams %R — inverted scale: <−80 oversold, >−20 overbought.

Oscillators work best in range-bound markets; in strong trends they give premature reversal signals.

Volume & Volatility
  • Bollinger Bands — price at upper band = overbought, lower = oversold. Narrow bands (squeeze) often precede expansion.
  • OBV — cumulative volume; rising OBV confirms uptrend, falling OBV confirms downtrend. Divergence from price is a warning.
  • Vol SMA 20 / Vol ROC — today's volume vs. 20-day average. Positive ROC with price move = conviction.
  • ATR / True Range — average daily $ move; sizing and stop-loss reference.
  • HV 20 / 30 / 60 — realized (historical) volatility. Compare to IV on the options cards: IV > HV = rich premium.

Confluence matters: trend + momentum + volume agreeing carries far more weight than any single indicator. For how these feed the spread scanner score, see the algorithm docs →

Trend Indicators

SMA 20: $68.57
SMA 50: $69.73
SMA 200: $61.52
Current: $69.80
EMA 12: $68.67
EMA 26: $68.92
MACD: -0.2540 | Signal: 0.1838
BEARISH
ADX (14): 19.85
RANGE
+DI: 24.07
−DI: 21.53

Momentum Oscillators

RSI (14): 54.73
NEUTRAL
Stoch %K: 81.41
Stoch %D: 71.84
Williams %R: -8.12

Volume & Volatility

BB Upper: $70.09
BB Lower: $67.04
NEUTRAL
OBV: 1,242,835
Vol SMA 20: 55,511
Vol ROC: -69.48%
ATR: $1.58
True Range: $1.30
HV 20: 20.4%
HV 30: 18.5%
HV 60: 18.1%

Data Summary

Data Points: 500
Last Updated:
Date Range: 2024-10-23T00:00:00 – 2026-10-21T00:00:00
AI Analysis

Click Frenzy-Pro™ for an AI analysis of this ticker.

Analysis includes technical indicators, news sentiment, risk assessment, and specific price levels to watch.

Earnings History
1 of 2 under expected move
Avg Expected Move
10.93%
Avg Actual Move
7.98%
Each row pairs the pre-earnings straddle-implied expected move with the realized close-to-close move. Sorted oldest first.
Earnings Date Timing Expected Move Actual Move Ratio Outcome
2024-07-25 Pre-Market 14.68% 2.93% 0.20x Within
2024-11-05 After-Close 7.18% 13.04% 1.82x Exceeded

Earnings calendar: this week’s reports with expected vs actual moves →

PFIS Options Activity & IV Rank

Volatility Metrics

Current IV: —
7-DTE IV: —
Expected Move: $3.10
7-DTE Move: $3.10
Days to Exp: — (2025-01-17)

Options Flow

Call Volume: 0
Put Volume: 0
P/C Volume: —
Call OI: 1
Put OI: 0
P/C OI: —
Total OI: 1

ATM Options Pricing

ATM Call: $0.38
ATM Put: $2.73
Call %: 0.7%
Put %: 5.4%

Chain Summary

Chain Volume: 0
Chain OI: 1
Last Updated: 1/17/2025
Spread Scanner GPU
Full Algorithm Docs ↗

Each spread is ranked by a composite score built in three stages. Full documentation →

Stage 1 — Base Score (GPU scanner)

score = P(profit) × (credit / spread_width)
P(profit) from short leg delta (1 − |delta|), penalised above 85%. Credit uses mid-price to handle illiquid chains fairly.

Stage 2 — Skew Adjustment (±25% cap)

RR and BF (30-delta) from the persisted per-symbol skew snapshot — wing strikes picked by real greeks.delta, not a moneyness proxy. Put skew boosts bull puts, penalises bear calls. High butterfly boosts iron condors. Calendars are skew-neutral.

Stage 3 — Technical Overlay (±50% cap, 5 groups)
Group 1 · Directional Bias (±0.25)
  • RSI <40 bullish / >60 bearish
  • MACD crossover + histogram trend
  • Price vs SMA 50 & SMA 200
Group 2 · Momentum (±0.10)
  • Stochastic %K <20 / >80
  • Williams %R <−80 / >−20
Group 3 · Volatility (up to −0.25 / +0.15)
  • Blended ATR + straddle expected-move penalty
  • Bollinger Band signal (+ counter-trend penalty)
  • BB width — vol contraction boost for ICs
Group 4 · IV Regime (±0.15)
  • IV rank ≥ 75 → strong boost for credit spreads
  • IV rank < 25 → penalty (selling cheap vol)
Group 5 · Liquidity (penalty up to −0.10)
  • Min open interest across all legs
  • OI < 100 → −0.10 · OI < 500 → −0.05

score = base_score × skew_multiplier × tech_multiplier
Both multipliers are shown per spread. Beta is informational only — ATR already captures realized vol. Full algorithm documentation →

Enter a ticker to scan for optimal spread opportunities.

Evaluates all bull put, bear call, iron condor, and calendar spread combinations using GPU-accelerated analysis.

Skew (Wing IV − ATM IV)
DTE:
Wing Δ:
Metric:
Wing vs ATM
IV(put wing) − IV(ATM), in vol points

How much the OTM put trades above (or below) the at-the-money strike. Measures the height of the put-side tail relative to ATM — i.e. how expensive crash insurance is on this name.

  • Positive (typical) — wing IV > ATM IV. Standard equity put skew: portfolios bid up crash protection, so OTM puts trade richer than ATM.
  • Near zero or negative (unusual) — wing IV ≤ ATM IV. Flat or inverted put side. Common when there's no fear demand, in tightly mean-reverting names, or right after an earnings catalyst clears.
  • Percentile vs own 3-yr history: high = wings rich (good time to sell wing premium); low = wings cheap (good time to buy protection).
  • Not directional — high or low wings don't predict up or down moves. It's a price tag on tail insurance, not a forecast.
Risk Reversal
IV(call wing) − IV(put wing), equal delta on each side

Which side of the smile is the market paying up for? Measures the tilt of the surface — call skew vs put skew at matched deltas.

  • Negative (typical) — puts richer than calls. Standard equity behavior: hedging demand makes puts carry a premium. Most large-caps sit in the −1 to −5 vol-point range.
  • Strongly negative (< −5 pts) — heavy downside hedging, elevated fear, or an upcoming catalyst (earnings, FDA, macro event). Worth flagging.
  • Positive — calls richer than puts. Unusual for equities; signals bullish momentum, short-squeeze positioning, or takeover/M&A speculation.
  • Near zero — symmetric surface. Market sees roughly equal up/down risk. Rare for large-caps; more common in commodities and FX.
Reading them together

Wing-vs-ATM tells you how expensive the tails are. Risk Reversal tells you which side is favored. Combined:

  • High wing percentile + deeply negative RR → strong put bid; stress or major event priced in. Owning protection costs a premium; selling put premium is dangerous.
  • Low wing percentile + near-zero RR → complacency; insurance cheap and balanced. Good environment to add cheap downside hedges.
  • Positive RR + elevated wings → call-side fear-of-missing-out; common in squeeze setups. Upside calls expensive, downside puts not bid.
14 DTE / 10d —
— pts EXTREME
as of Jan 15 · No data
30 DTE / 10d —
— pts EXTREME
as of Jan 15 · No data

Percentile is the rank of today's reading within ~3 years of this symbol's own history. High percentile = wings are rich relative to history; not a directional signal. Skew is read off the chain in real time, not from CBOE SKEW.

Volatility Surface

Enter a ticker to render the implied volatility surface.

Volatility Smile

Enter a ticker to render the implied volatility smile.

IV Rank (7 DTE)
IV Rank (30 DTE)
Straddle Price (30 DTE)$3.10Jan 17
Beta Analysis

Risk Metrics

Beta: 0.2588
Alpha: 36.98%
Correlation: 0.1335
R-Squared: 1.8%
Stock Volatility: 24.6%
Market Volatility: 12.7%

Analysis Details

Benchmark: SPY
Data Points: 251
Period: 252 trading days
Interpretation:
Low volatility - stock moves less than market
Beta & Alpha Over Time
Notable investors who own PFIS
2 of 37 tracked investors
InvestorValueShare of their portfolioRankQ/Q sharesSource
Millennium Management Hedge fund
Izzy Englander
$437K
0.00%
#3227 of 3716+28.7%13F
Renaissance Technologies Hedge fund
Jim Simons
$390K
0.00%
#2697 of 3138-64.4%13F

Hedge funds, activists, holding companies and family offices we track, from their latest 13F (quarter-end value) and Form 4 filings in the last 3 years. Family offices · all institutions

PFIS Institutional Ownership (13F)

Latest filings — 2026-09-30
Diluted shares outstanding: 10,068,096 (as of 2026-03-31)

Institutional managers with $100M+ AUM file Form 13F-HR quarterly, due 45 days after quarter end. Holdings are reported gross at quarter-end market value — they are a snapshot, not a real-time position.

  • Shares — long equity positions in this name, aggregated across share classes.
  • Calls / Puts — notional value of long call / put exposure where this ticker is the underlying.
  • % of Float — holder's reported shares divided by the latest diluted shares outstanding. Sums above 100% indicate large custodian / prime broker positions where the same shares are reported by multiple filers.
  • Custodian badge — filers with more than 5,000 holdings are typically broker-dealers / custodians reporting customer-held shares, not active managers.

Each filer is counted once at its latest 13F-HR filing. New filings are ingested on a weekly cadence.

126 filers4,056,310 shares$260.32M value40.29% of float
# Filer Shares Value % of Total % of Float Period
1 BlackRock, Inc. Custodian 744,487 $49.41M 18.98% 7.39% 2026-06-30
2 Vanguard Capital Management LLC 403,159 $26.76M 10.28% 4.00% 2026-06-30
3 Vanguard Group Inc Custodian 504,362 $24.57M 9.44% 5.01% 2025-12-31
4 Dimensional Fund Advisors LP Custodian 339,265 $22.52M 8.65% 3.37% 2026-06-30
5 Geode Capital Management, LLC Custodian 249,636 $16.57M 6.37% 2.48% 2026-06-30
6 State Street Corp 212,476 $14.10M 5.42% 2.11% 2026-06-30
7 American Century Companies, Inc. 202,754 $13.46M 5.17% 2.01% 2026-06-30
8 PEOPLES FINANCIAL SERVICES CORP. 90,401 $6.00M 2.30% 0.90% 2026-06-30
9 Northern Trust Corp Custodian 86,119 $5.72M 2.20% 0.86% 2026-06-30
10 BRIDGEWAY CAPITAL MANAGEMENT, LLC 82,968 $5.51M 2.12% 0.82% 2026-06-30
11 Vanguard Portfolio Management LLC 78,816 $5.23M 2.01% 0.78% 2026-06-30
12 Vanguard Fiduciary Trust Co 61,975 $4.11M 1.58% 0.62% 2026-06-30
13 Empowered Funds, LLC Custodian 60,068 $3.99M 1.53% 0.60% 2026-06-30
14 Bank of New York Mellon Corp Custodian 52,639 $3.49M 1.34% 0.52% 2026-06-30
15 Morgan Stanley Custodian 49,157 $3.26M 1.25% 0.49% 2026-06-30
16 PNC Financial Services Group, Inc. Custodian 48,429 $3.21M 1.23% 0.48% 2026-06-30
17 Alliance Wealth Advisors, LLC 44,906 $3.02M 1.16% 0.45% 2026-09-30
18 SEGALL BRYANT & HAMILL, LLC 37,621 $2.50M 0.96% 0.37% 2026-06-30
19 Two Sigma Investments, LP Custodian 34,944 $2.32M 0.89% 0.35% 2026-06-30
20 First Trust Advisors LP 34,125 $2.26M 0.87% 0.34% 2026-06-30
21 Wells Fargo & Company Custodian 33,876 $2.25M 0.86% 0.34% 2026-06-30
22 HOTCHKIS & WILEY CAPITAL MANAGEMENT LLC 30,140 $2.00M 0.77% 0.30% 2026-06-30
23 Cutler Capital Management, LLC 28,746 $1.91M 0.73% 0.29% 2026-06-30
24 EAGLE WEALTH STRATEGIES LLC 28,655 $1.90M 0.73% 0.28% 2026-06-30
25 Quantinno Capital Management LP 27,396 $1.82M 0.70% 0.27% 2026-06-30
# Filer Notional Value % of Total Period
# Filer Notional Value % of Total Period

PFIS Insider Trading (Form 4)

Latest: 2026-09-01
Form 4 filings — insider beneficial-ownership changes by officers, directors, and 10%+ holders. Filed within 2 business days of transaction.
Filed Reporter Role Action Shares Avg Price Net $ Link
2026-09-01 Jeffrey A Drobins EVP/CHIEF LENDING OFFICER Mixed +1,099 $69.63 -$54.9K EDGAR
2026-09-01 Timothy Kirtley EVP/CHIEF RISK OFFICER Mixed +478 $69.63 -$13.2K EDGAR
2026-05-19 Mary Griffin Cummings EVP/GENERAL COUNSEL Tax (F) −60 $56.35 -$3.4K EDGAR
2026-05-19 Stephanie A. Westington EVP/CHIEF ACCOUNTING OFF Tax (F) −47 $56.35 -$2.6K EDGAR
2026-04-10 Amy Vieney EVP/CHIEF HUMAN RESOURCES OFF Mixed +319 $53.60 -$8.1K EDGAR
2026-04-10 Timothy Kirtley EVP/CHIEF RISK OFFICER Mixed +1,037 $53.60 -$21.2K EDGAR
2026-04-10 John R Anderson III EVP/CHIEF OPERATING OFFICER Mixed +1,022 $53.60 -$23.5K EDGAR
2026-04-10 Jeffrey A Drobins EVP/CHIEF LENDING OFFICER Mixed +797 $53.60 -$29.5K EDGAR
2026-04-10 Susan L Hubble EVP/CHIEF INFORMATION OFFICER Mixed +994 $53.60 -$20.3K EDGAR
2026-04-10 Neal D Koplin SR EVP/CHIEF BANKING OFFICER Mixed +1,101 $53.60 -$29.9K EDGAR
2026-04-07 Thomas P Tulaney PRESIDENT Mixed +394 $54.62 -$17.2K EDGAR
2026-04-07 Thomas P Tulaney PRESIDENT Mixed +1,247 $53.60 -$33.9K EDGAR
2026-03-13 Stephanie A. Westington EVP/CHIEF ACCOUNTING OFF Mixed +60 $51.80 -$1.6K EDGAR
2026-03-13 Mary Griffin Cummings EVP/GENERAL COUNSEL Mixed +163 $51.80 -$4.3K EDGAR
2026-03-13 James M Bone Jr EVP/CHIEF FINANCIAL OFFICER Exer (M) +317 — EDGAR
Codes: P = open-market purchase · S = open-market sale · A = grant/award · M = option exercise · F = tax withholding at vest · G = bona-fide gift · D = disposition to issuer · J = other (described in filing footnote — typically 401(k), trust, inheritance) · W = will/inheritance. Only P / S codes carry directional signal.

PFIS Insider Holdings

27 insiders · @ $69.80
Officers, directors, and 10%+ owners who have filed a Form 4 in the past two years, ranked by current disclosed exposure (shares × today's price). Shares are direct + indirect (via trusts / LLCs / spouse). Excludes unvested RSU and option grants — those aren't beneficially owned until vest.
# Insider Role Shares Disclosed Exposure Lifetime OM Net Filings Last Filed
1 Louis A Denaples Director 347,512 $24.26M $0 4 2026-02-03
2 William E Aubrey II Director 55,899 $3.90M $1.56M 28 2026-02-03
3 Joseph L DeNaples Director 53,961 $3.77M $0 3 2026-02-03
4 Joseph T Wright Jr Director 44,784 $3.13M $13.2K 12 2026-02-03
5 Thomas P Tulaney PRESIDENT 41,888 $2.92M $285.6K 31 2026-04-07
6 Joseph A Coccia Director 39,076 $2.73M $0 3 2026-02-03
7 Ronald G Kukuchka Director 33,268 $2.32M $197.9K 13 2026-02-03
8 William G. Bracey Director 29,077 $2.03M $0 3 2026-02-03
9 James B Nicholas Director 27,622 $1.93M $43.5K 10 2026-02-03
10 Gerard A Champi CHIEF EXECUTIVE OFFICER 20,436 $1.43M $0 3 2026-03-13
Lifetime OM Net = signed sum of open-market buys (P) and sells (S) over their career; excludes grants, tax withholdings, and dispositions to issuer. A large negative number is normal for long-tenured executives — they've sold compensation grants over many years.

PFIS Board & Officers

As of SEC filings through Sep 1, 2026

Directors 14

Officers 11

Changes in the last 10 years (42)
Apr 7, 2026Thomas P Tulaney reported in an SEC filing no longer being President
Apr 1, 2026The company announced the departure of Elisa Z Ramirez from the board in an SEC filing
Mar 13, 2026Stephanie A. Westington listed as Evp/chief Accounting Off (previously Svp/chief Accounting Off) in SEC filings
Mar 3, 2026Amy Vieney listed as Evp/chief Human Resources Off (previously Svp/chief Human Resources Off) in SEC filings
Apr 1, 2025Stephanie A. Westington became Svp/chief Accounting Off
Apr 1, 2025John R Anderson III listed as Evp/chief Operating Officer (previously EVP, Chief Financial Officer) in SEC filings
Apr 1, 2025James M Bone Jr listed as Evp/chief Financial Officer (previously EVP, Chief Operations Officer) in SEC filings
Apr 1, 2025Gerard A Champi listed as Chief Executive Officer (previously President) in SEC filings
Feb 14, 2025Thomas P Tulaney listed as President (previously President & Chief Oper Officer) in SEC filings
Oct 25, 2024The company announced the departure of Craig W Best from the board in an SEC filing
Oct 25, 2024The company announced the departure of Craig W Best as CEO in an SEC filing
Jul 1, 2024William P Conaboy became a director
Jul 1, 2024William G. Bracey became a director
Jul 1, 2024Thomas J. Melone became a director
Jul 1, 2024Mary Griffin Cummings became Evp/general Counsel
Jul 1, 2024Louis A Denaples became a director
Jul 1, 2024Keith W. Eckel became a director
Jul 1, 2024Kathleen McCarthy Lambert became a director
Jul 1, 2024Joseph L DeNaples became a director
Jul 1, 2024Joseph A Coccia became a director
Not reported recently (7)
  • Lynn M Thiel · Last reported as Chief Retail Officer in an SEC filing dated Feb 9, 2021
  • Joseph Ferretti · Last reported as EVP,Northeast Market President in an SEC filing dated Feb 8, 2021
  • Debra E Adams · Last reported as EVP, Chief Risk Officer in an SEC filing dated Feb 14, 2020
  • Michael L Jake · Last reported as EVP, Chief Risk Officer in an SEC filing dated May 7, 2019
  • Bradley Grubb · Last reported as Exec VP, WealthMgmt Div Head in an SEC filing dated Feb 8, 2018
  • George H Stover Jr · Last reported as a director in an SEC filing dated Dec 9, 2016
  • Joseph G Md Cesare · Last reported as a director in an SEC filing dated Dec 2, 2016
Compiled from SEC filings by the company and its directors and officers. Dates are as stated in those filings. Where no filing says when someone left, we show the last filing that listed them.
ETF Holders
50 ETFs hold PFIS
25 shown · $110.75M total exposure · 0.04% AUM-weighted avg weight
# ETF Provider Weight $ Exposure ETF AUM As Of
1 VTI Vanguard Morningstar Total Stock Market ETF Vanguard 0.00% $19.3M — 2026-09-30
2 IWM iShares Russell 2000 ETF iShares (BlackRock) 0.02% $18.0M $75.1B 2026-10-20
3 AVUV Avantis U.S. Small Cap Value ETF Avantis 0.05% $15.9M $31.4B 2026-10-20
4 VXF Vanguard Extended Market ETF Vanguard 0.01% $7.1M — 2026-09-30
5 DFSV Dimensional US Small Cap Value ETF Dimensional 0.03% $7.0M — 2026-10-20
6 IWN iShares Russell 2000 Value ETF iShares (BlackRock) 0.04% $5.5M $13.7B 2026-10-20
7 KRE State Street® SPDR® S&P® Regional Banking ETF SPDR (State Street) 0.13% $5.1M $4.0B 2026-10-20
8 DFAT Dimensional US Targeted Value ETF Dimensional 0.02% $5.0M — 2026-10-20
9 DFAS Dimensional US Small Cap ETF Dimensional 0.01% $4.5M — 2026-10-20
10 BSVO EA Bridgeway Omni Small-Cap Value ETF Nport 0.17% $4.0M — 2026-06-30
11 VTWO Vanguard Russell 2000 ETF Vanguard 0.02% $3.7M — 2026-09-30
12 FDM First Trust Dow Jones Select MicroCap Index Fund First Trust 1.06% $2.8M $264.8M 2026-10-20
13 IWC iShares Micro-Cap ETF iShares (BlackRock) 0.16% $2.0M $1.2B 2026-10-20
14 DFMC Dimensional US Micro Cap ETF Dimensional 0.02% $1.7M — 2026-10-20
15 DFAC Dimensional US Core Equity 2 ETF Dimensional 0.00% $1.7M — 2026-10-20
16 AVSC Avantis U.S. Small Cap Equity ETF Avantis 0.04% $1.4M $3.1B 2026-10-20
17 VFH Vanguard Financials ETF Vanguard 0.01% $1.0M — 2026-09-30
18 SMLV State Street® SPDR® US Small Cap Low Volatility Index ETF SPDR (State Street) 0.37% $925,655 $248.6M 2026-10-20
19 DES WisdomTree U.S. SmallCap Dividend Fund Nport 0.04% $884,181 — 2026-06-30
20 IWO iShares Russell 2000 Growth ETF iShares (BlackRock) 0.01% $694,989 $13.6B 2026-10-20
21 VFMF Vanguard U.S. Multifactor ETF Vanguard 0.05% $562,063 — 2026-10-20
22 DCOR Dimensional US Core Equity 1 ETF Dimensional 0.00% $555,078 — 2026-10-20
23 VTWV Vanguard Russell 2000 Value ETF Vanguard 0.04% $531,470 — 2026-09-30
24 DHS WisdomTree U.S. High Dividend Fund Nport 0.03% $473,351 — 2026-06-30
25 GSSC Goldman Sachs ActiveBeta U.S. Small Cap Equity ETF Goldman 0.04% $444,353 $1.0B 2026-10-20
Fundamentals

Quarterly filings sourced from SEC 10-Q / 10-K reports. TTM tiles aggregate the most recent four quarters; bars show the last ~12 quarters oldest → newest.

Metrics
  • Revenue — top-line sales. Look for consistent YoY growth; seasonal businesses need same-quarter comparisons (Q4 '24 vs Q4 '23).
  • Net Income — bottom-line profit after all expenses. Can be volatile from one-time items; red bars = net loss.
  • Diluted EPS — net income per share assuming options/converts are exercised. Direct input to the P/E ratio.
  • Operating Cash Flow — cash generated from core operations, before capex and financing. Harder to manipulate than net income; growing OCF is a quality signal.
How to read the bars
  • Sequential growth — quarter-over-quarter trend. Accelerating bars are a momentum signal.
  • YoY growth — compare to the same quarter a year earlier to remove seasonality.
  • Quality — OCF should roughly track Net Income over time. Large divergence (net income ≫ OCF) flags accruals risk.
  • Margins — scan the bar ratios: Net Income / Revenue tells you margin trend without needing a separate chart.

TTM (trailing-twelve-month) smooths seasonality and is used for the P/E calculation. Filings appear 30–90 days after the period closes.

Trailing P/E
11.93
TTM Diluted EPS
$5.85
TTM Revenue
$284.34M
TTM Net Income
$58.92M
TTM Op. Cash Flow
$53.50M
Quarterly figures (12 quarters)
QuarterPeriod EndRevenueNet IncomeDiluted EPSOp. Cash Flow
Q1 '262026-03-31$71.60M$14.75M$1.47$8.30M
Q4 '252025-12-31$70.50M$11.98M$1.19$16.09M
Q3 '252025-09-30$70.67M$15.25M$1.51$15.22M
Q2 '252025-06-30$71.58M$16.96M$1.68$13.89M
Q1 '252025-03-31$68.68M$15.01M$1.49$9.07M
Q4 '242024-12-31$71.47M$6.09M$0.69$7.86M
Q3 '242024-09-30$74.00M$-4.34M$-0.43$21.90M
Q2 '242024-06-30$41.93M$3.28M$0.46$1.74M
Q1 '242024-03-31$42.39M$3.47M$0.49$3.23M
Q4 '232023-12-31$43.29M$3.63M$0.52$8.95M
Q3 '232023-09-30$42.46M$6.75M$0.95$6.75M
Q2 '232023-06-30$40.29M$9.43M$1.31$13.01M
Q1 2026 • period ending 2026-03-31 • filed 2026-05-08
Valuation

Ratios derived from TTM financials and the current market price, sampled daily. History chart shows how expensive the stock is today relative to its own recent past.

Price Multiples
  • P/E — price / TTM earnings. Rough market rule: 10–15 value, 15–25 market, >30 growth/premium. Negative when earnings are negative.
  • P/B — price / book value. Useful for financials and asset-heavy names; meaningless for asset-light software.
  • P/S — price / TTM revenue. Useful when earnings are negative or noisy (early-stage growth).
  • EV/EBITDA — capital-structure-neutral. <10 cheap, 10–15 reasonable, >20 rich. Good for comparing across leverage profiles.
  • EV/Sales — like P/S but accounts for debt + cash. Compare within sector.
Profitability & Yields
  • ROE — return on equity. >15% strong, >25% exceptional. Caution: high leverage inflates ROE.
  • ROA — return on assets. Leverage-neutral; >5% solid, >10% exceptional.
  • Div Yield — annual dividend / price. Compare to 10Y Treasury; sustained yield >6% often signals distress.
  • FCF Yield — free cash flow / market cap. >5% is attractive; negative means burning cash.
Balance Sheet
  • Debt/Equity — leverage. <1 conservative, >2 aggressive. Sector-dependent (utilities naturally high, tech low).
  • Current Ratio — short-term liquidity. >1.5 comfortable, <1 raises short-term solvency flags.
Reading the history chart
  • Compare current level to the 3-year band: near the high end = relatively expensive; near the low = relatively cheap.
  • Multiples expanding while earnings are flat = sentiment-driven rally.
  • Multiples compressing while earnings grow = value coming from fundamentals.
P/E
11.93
P/B
1.34
P/S
2.47
EV/EBITDA
11.98
EV/Sales
3.06
ROE
11.2%
ROA
1.1%
Div Yield
3.58%
FCF Yield
7.61%
Debt/Equity
0.43
Current Ratio
—
Market Cap
$702.75M
as of 2026-10-22
Short Interest & Float

Regulatory short-interest reports publish on a bi-weekly settlement cadence; short-volume is reported daily by the trade-reporting facilities. Float is derived from insider-ownership filings.

Metric definitions
  • Short Interest — total shares currently sold short as of the settlement date. Lags real time by ~8 business days.
  • SI % of Float — short interest / free float. The key crowding metric.
  • Days to Cover — short interest / avg daily volume. How many full trading days it would take shorts to buy back. High DTC + catalyst = squeeze fuel.
  • Short Vol Ratio — today's short-sale volume / total volume. Intraday selling pressure proxy (not the same as short interest).
  • Free Float — shares available for public trading (total shares minus insider / restricted).
  • Float % — free float / shares outstanding. <50% = tightly held, more prone to squeezes.
How to read the signals
  • SI % of Float < 5% — typical, no particular signal.
  • 5–15% — elevated; watch for catalysts (earnings, guidance, macro).
  • 15–30% — heavily shorted; tight-float names in this range have produced notable squeezes historically.
  • >30% — extreme; borrow is likely expensive and squeeze risk is material.
  • Days to Cover > 5 combined with high SI% amplifies squeeze potential.
History chart
  • Trend matters more than level. Rapidly rising short interest often precedes negative catalysts or heavy hedging.
  • A sudden drop in SI after a rally may indicate a squeeze in progress.

Short interest is reported mid-month and end-of-month; short volume is daily.

Short Interest
379.59K
SI % of Float
4.16%
Days to Cover
5.85
Short Vol Ratio
63.4%
Free Float
9.13M
Float %
91.2%
Short interest 2026-09-30 • Short volume 2026-10-21 • Float 2026-08-14