PFIS Peoples Financial Services Corp. - Common Stock
NASDAQ · Banking · View on SEC EDGAR ↗ close Oct 2, 2026 10-K/10-Q Aug 7, 2026
$69.29
· of 52w range
· above low
· to high
$43.6452w low
$73.3752w high
Market Cap (MRQ)
$694M
P/E
11.8
EPS
$5.88
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52W Range
$44–$73
Analyst Rating
HOLD
Price Target
$74
P/E
11.8
ROE
11.7%
Net Profit Margin
31.5%
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PFIS Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$69.29
Market Cap (MRQ)
$694M
P/E
11.8
EPS
$5.88
Div Yield
3.6%
ROE
11.7%
Debt/Equity (MRQ)
0.2
52W Range
$44–$73
PFIS Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view
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Stock splits
| Ex-date | Split | Type |
|---|---|---|
| May 16, 2003 | 3-for-2 | Forward |
10-Year Performance Revenue, net income, margins and EPS trends
EPS$5.882016-12-31 → 2025-12-31
Free Cash Flow$43M2016-12-31 → 2025-12-31
Net margin31.5%2016-12-31 → 2025-12-31
Valuation & Ratios
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
| Metric | 5Y trend | PFIS | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| P/E | 11.85Y avg ≈18.3 | ≈18.3 | 12.2 | Fair value | |
| P/S | 3.75Y avg ≈3.3 | ≈3.3 | 3.4 | Fair value | |
| P/B (MRQ) | 1.35Y avg ≈1.1 | ≈1.1 | 1.2 | Fair value | |
| Price / FCF (TTM) | 15.45Y avg ≈12.3 | ≈12.3 | · | · | |
| Price / Cash Flow (TTM) | 13.05Y avg ≈10.5 | ≈10.5 | 10.5 | Undervalued | |
| Price / Tangible Book (MRQ) | 1.45Y avg ≈1.3 | ≈1.3 | · | · | |
| PEG Ratio | ≈1.5 | · | · | · |
Peer median is calculated on a standardized basis per metric and may not always match the TTM/MRQ basis shown for this stock.
Profitability Gross, operating and net margins; ROE, ROA, ROIC
| Metric | 5Y trend | PFIS | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| EBITDA Margin | 1.8%5Y avg ≈2.5% | ≈2.5% | 1.8% | In line | |
| Pretax Margin | 38.5%5Y avg ≈33.5% | ≈33.5% | 35.3% | In line | |
| Net Profit Margin | 31.5%5Y avg ≈28.0% | ≈28.0% | 28.9% | In line | |
| ROA | 1.1%5Y avg ≈0.91% | ≈0.91% | 1.1% | In line | |
| ROE | 11.7%5Y avg ≈9.4% | ≈9.4% | 10.5% | Top tier |
Financial Health Debt, liquidity, solvency — balance sheet strength
| Metric | 5Y trend | PFIS | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Debt / Equity (MRQ) | 0.25Y avg ≈0.1 | ≈0.1 | 0.3 | Low debt |
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
| Metric | 5Y trend | PFIS | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Revenue YoY | 39.7%5Y avg ≈15.7% | ≈15.7% | · | · | |
| Revenue CAGR 3Y | 20.4%5Y avg ≈9.6% | ≈9.6% | · | · | |
| Revenue CAGR 5Y | 14.2% | · | · | · | |
| EPS YoY | 493.9%5Y avg ≈86.1% | ≈86.1% | · | · | |
| Net Income YoY | 596.5%5Y avg ≈107.0% | ≈107.0% | · | · | |
| EPS CAGR 3Y | 3.6%5Y avg ≈-14.3% | ≈-14.3% | · | · | |
| EPS CAGR 5Y | 8.0% | · | · | · | |
| Net Income CAGR 3Y | 15.8%5Y avg ≈-9.5% | ≈-9.5% | · | · | |
| Net Income CAGR 5Y | 15.1% | · | · | · |
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
| Metric | 5Y trend | PFIS | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Asset Turnover | 0.05Y avg ≈0.0 | ≈0.0 | 0.0 | Weak |
value · ≈ 5Y avg · industry median · verdict relative to median
Dividends Yield, payout ratio, dividend history, 5Y CAGR
Dividend Yield3.6%
Payout Ratio41.6%
Annualized Payout≈$2.50
5Y Div CAGR≈11.4%
Growth Streak≈9
| Ex-date | Amount | Currency | Yield |
|---|---|---|---|
| Aug 31, 2026 | $0.63 | USD | ≈3.6% |
| May 29, 2026 | $0.63 | USD | ≈4.2% |
| Feb 27, 2026 | $0.63 | USD | ≈4.6% |
| Nov 28, 2025 | $0.62 | USD | ≈5.1% |
| Aug 29, 2025 | $0.62 | USD | ≈4.7% |
| May 30, 2025 | $0.62 | USD | ≈6.0% |
| Feb 28, 2025 | $0.62 | USD | ≈4.6% |
| Nov 29, 2024 | $0.62 | USD | ≈3.7% |
| Aug 30, 2024 | $0.62 | USD | ≈3.9% |
| May 31, 2024 | $0.41 | USD | ≈4.2% |
| Feb 28, 2024 | $0.41 | USD | ≈4.2% |
| Nov 29, 2023 | $0.41 | USD | ≈3.8% |
| Aug 30, 2023 | $0.41 | USD | ≈3.7% |
| May 30, 2023 | $0.41 | USD | ≈4.0% |
| Feb 27, 2023 | $0.41 | USD | ≈3.2% |
| Nov 29, 2022 | $0.40 | USD | ≈2.9% |
| Aug 30, 2022 | $0.40 | USD | ≈3.1% |
| May 27, 2022 | $0.39 | USD | ≈2.9% |
| Feb 25, 2022 | $0.39 | USD | ≈3.1% |
| Nov 29, 2021 | $0.38 | USD | ≈3.1% |
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
Avg Surprise
-1.9%
Next Report
Oct 16, 2026
| Period | Report | EPS Actual | EPS Est | Surprise |
|---|---|---|---|---|
| June 30, 2026 | Jul 16, 2026 | $1.48 | $1.67 | -11.3% |
| March 31, 2026 | $1.43 | $1.55 | -7.9% | |
| Dec. 31, 2025 | $1.36 | $1.55 | -12.4% | |
| Sept. 30, 2025 | $1.51 | $1.57 | -4.1% | |
| June 30, 2025 | $1.69 | $1.51 | 12.3% | |
| March 31, 2025 | $1.51 | $1.35 | 11.7% |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Expense | · | · | $63M | $16M | $9M | $14M | $18M | $13M | $9M | $7M | $6M | $7M | |
| Interest Income | $260M | $211M | $150M | $111M | $94M | $94M | $93M | $85M | $74M | $69M | $63M | $64M | |
| Pretax Income | $72M | $8M | $33M | $45M | $54M | $34M | $29M | $28M | $27M | $25M | $22M | $23M | |
| Income Tax | $13M | $-30.0K | $5M | $7M | $10M | $5M | $3M | $3M | $8M | $5M | $5M | $5M | |
| Net Income | $59M | $8M | $27M | $38M | $44M | $29M | $26M | $25M | $18M | $20M | $18M | $18M | |
| EPS (Basic) | $5.92 | $1.00 | $3.85 | $5.31 | $6.05 | $4.02 | $3.48 | $3.37 | $2.50 | $2.65 | $2.36 | $2.34 | |
| EPS (Diluted) | $5.88 | $0.99 | $3.83 | $5.28 | $6.02 | $4.00 | $3.47 | $3.37 | $2.50 | $2.65 | $2.36 | $2.34 | |
| Shares (Diluted) | 10,073,996 | 8,586,035 | 7,151,471 | 7,211,643 | 7,235,303 | 7,337,843 | 7,412,369 | 7,402,900 | 7,395,837 | 7,396,716 | 7,516,451 | 7,561,982 | |
| EBITDA | $3M | $3M | $3M | $3M | $3M | $3M | $3M | $2M | $2M | $2M | $2M | $2M |
Balance Sheet
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | · | · | · | · | · | · | · | · | $37M | $40M | $33M | $31M | |
| PP&E (Net) | $78M | $73M | $61M | $56M | $52M | $47M | $48M | $39M | $38M | $33M | $28M | $25M | |
| PP&E (Gross) | $126M | $126M | $100M | $92M | $85M | $78M | $77M | $65M | $62M | $55M | $49M | $45M | |
| Accum. Depreciation | $48M | $53M | $39M | $36M | $34M | $31M | $29M | $26M | $24M | $22M | $20M | $19M | |
| Goodwill | $76M | $76M | $63M | $63M | $63M | $63M | $63M | $63M | $63M | $63M | $63M | $63M | |
| Intangibles | $28M | $34M | · | $105.0K | $468.0K | $960.0K | $2M | $2M | · | · | · | · | |
| Other Non-current Assets | $4M | $5M | $2M | $3M | $6M | $6M | $7M | $8M | $9M | $10M | $14M | $14M | |
| Total Assets | $5.27B | $5.09B | $3.74B | $3.55B | $3.37B | $2.88B | $2.48B | $2.29B | $2.17B | $2.00B | $1.82B | $1.74B | |
| Short-term Debt | $33M | $16M | $18M | $115M | $0 | $50M | $152M | $86M | $124M | $83M | $38M | $20M | |
| Total Liabilities | $4.75B | $4.62B | $3.40B | $3.24B | $3.03B | $2.57B | $2.18B | $2.01B | $1.90B | $1.74B | $1.57B | $1.49B | |
| Long-term Debt | · | · | · | · | · | · | $33M | $38M | $50M | $58M | $60M | $33M | |
| Total Debt | $33M | $16M | $18M | $115M | · | $50M | $152M | $86M | $124M | $83M | $38M | $20M | |
| Common Stock | $20M | $20M | $14M | $14M | $14M | $14M | $15M | $15M | $15M | $15M | $15M | $15M | |
| Retained Earnings | $274M | $239M | $249M | $231M | $204M | $171M | $152M | $137M | $121M | $111M | $101M | $92M | |
| AOCI | $-25M | $-41M | $-44M | $-56M | $-6M | $2M | $-3M | $-8M | $-6M | $-4M | $-2M | $-829.0K | |
| Stockholders' Equity | $520M | $469M | $340M | $315M | $340M | $317M | $299M | $279M | $265M | $257M | $249M | $247M | |
| Liabilities + Equity | $5.27B | $5.09B | $3.74B | $3.55B | $3.37B | $2.88B | $2.48B | $2.29B | $2.17B | $2.00B | $1.82B | $1.74B | |
| Shares Outstanding | 9,994,595 | 9,990,724 | 7,040,852 | 7,158,017 | 7,169,372 | 7,215,202 | 7,388,480 | 7,399,054 | 7,396,505 | 7,394,143 | 7,410,606 | 7,548,358 |
Cash Flow
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| D&A | $3M | $3M | $3M | $3M | $3M | $3M | $3M | $2M | $2M | $2M | $2M | $2M | |
| Stock-based Comp | $348.0K | $786.0K | $888.0K | $534.0K | $546.0K | $570.0K | $554.0K | $272.0K | $177.0K | $71.0K | $69.0K | $70.0K | |
| Deferred Tax | $5M | $-4M | $1M | $611.0K | $450.0K | $-2M | $394.0K | $-681.0K | $2M | $-1M | $-841.0K | $1M | |
| Amort. of Intangibles | $6M | $3M | $105.0K | $363.0K | $491.0K | $606.0K | $730.0K | $881.0K | $1M | $1M | $1M | $1M | |
| Other Non-cash | $-13M | $25M | $922.0K | $34.0K | $-6M | $6M | $7M | $6M | $6M | $8M | $10M | $26.0K | |
| Operating Cash Flow | $54M | $35M | $33M | $42M | $41M | $37M | $37M | $33M | $29M | $28M | $29M | $24M | |
| CapEx | $11M | $3M | $6M | $8M | $5M | $2M | $6M | $4M | $6M | $7M | $4M | $1M | |
| Investing Cash Flow | $-24M | $386M | $-26M | $-468M | $-440M | $-201M | $-185M | $-135M | $-185M | $-186M | $-89M | · | |
| Debt Issued | $76M | · | $25M | · | · | · | $16M | · | · | · | $30M | · | |
| Net Debt Issued | $35M | $-23M | $24M | $-2M | $-12M | $-18M | $-5M | $-12M | $-8M | $-2M | $27M | $-4M | |
| Stock Repurchased | · | · | · | · | · | · | · | · | · | · | · | $70.0K | |
| Net Stock Activity | · | · | · | · | · | · | · | · | · | · | · | $-70.0K | |
| Dividends Paid | $25M | $18M | $12M | $11M | $11M | $11M | $10M | $10M | $9M | $9M | $9M | $9M | |
| Financing Cash Flow | $103M | $-473M | $142M | $183M | $451M | $361M | $146M | $97M | $154M | $165M | $62M | · | |
| Net Change in Cash | $133M | $-52M | $149M | $-242M | $52M | $197M | $-1M | $-5M | $-2M | $7M | $1M | $-20M | |
| Taxes Paid | $8M | $2M | $3M | $10M | $7M | $6M | $5M | $3M | $6M | $6M | $4M | $5M | |
| Free Cash Flow | $43M | $31M | $27M | $35M | $36M | $35M | $31M | $29M | $22M | $21M | $24M | $19M | |
| Levered FCF | · | · | $-26M | $21M | $28M | $23M | $16M | $17M | $16M | $16M | $19M | $14M |
Profitability
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 31.5% | 6.3% | 27.1% | 35.4% | 39.5% | 30.4% | 28.4% | 29.3% | 22.3% | 25.2% | 24.4% | 24.3% | |
| Pretax Margin | 38.5% | 6.3% | 32.2% | 42.2% | 48.5% | 35.4% | 31.9% | 33.3% | 32.2% | 31.7% | 30.6% | 31.8% | |
| EBITDA Margin | 1.8% | 2.5% | 2.8% | 2.9% | 2.5% | 3.0% | 3.4% | 2.7% | 2.4% | 2.1% | 2.2% | 2.3% | |
| ROA | 1.1% | 0.19% | 0.75% | 1.1% | 1.4% | 1.1% | 1.1% | 1.1% | 0.89% | 1.0% | 1.0% | 1.0% | |
| ROE | 11.7% | 1.8% | 8.2% | 12.3% | 13.0% | 9.3% | 8.6% | 9.0% | 7.0% | 7.6% | 7.1% | 7.2% |
Liquidity & Solvency
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.1 | 0.0 | 0.1 | 0.4 | · | 0.2 | 0.5 | 0.3 | 0.5 | 0.3 | 0.2 | 0.1 |
Efficiency
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
Per Share
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Book Value / Share | $52.01 | $46.94 | $48.35 | $44.06 | $47.44 | $43.92 | $40.47 | $37.66 | $35.82 | $34.71 | $33.57 | · | |
| Revenue / Share | $18.63 | $15.64 | $14.11 | $14.92 | $15.24 | $13.14 | $12.26 | $11.49 | $11.19 | $10.49 | $9.68 | $9.60 | |
| Cash Flow / Share | $5.39 | $3.95 | $4.65 | $5.87 | $5.63 | $5.07 | $5.01 | $4.41 | $3.87 | $3.79 | $3.76 | $2.72 | |
| Cash / Share | · | · | · | · | · | · | · | · | $5.07 | $5.40 | $4.44 | · | |
| Dividend / Share | $2.47 | $2.06 | $1.64 | $1.58 | $1.50 | $1.44 | $1.37 | $1.31 | $1.26 | $1.24 | $1.24 | $1.24 | |
| EPS (TTM) | $5.88 | $0.99 | $3.83 | $5.28 | $6.02 | $4.00 | $3.47 | $3.37 | $2.50 | $2.65 | $2.36 | $2.34 |
Growth Rates
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue YoY | 39.7% | 33.1% | -6.2% | -2.4% | 14.3% | · | · | · | · | · | · | · | |
| Revenue CAGR 3Y | 20.4% | 6.8% | 1.5% | · | · | · | · | · | · | · | · | · | |
| Revenue CAGR 5Y | 14.2% | · | · | · | · | · | · | · | · | · | · | · | |
| EPS YoY | 493.9% | -74.2% | -27.5% | -12.3% | 50.5% | · | · | · | · | · | · | · | |
| EPS CAGR 3Y | 3.6% | -45.2% | -1.4% | · | · | · | · | · | · | · | · | · | |
| EPS CAGR 5Y | 8.0% | · | · | · | · | · | · | · | · | · | · | · | |
| Net Income YoY | 596.5% | -69.0% | -28.1% | -12.5% | 48.3% | · | · | · | · | · | · | · | |
| Net Income CAGR 3Y | 15.8% | -42.0% | -2.3% | · | · | · | · | · | · | · | · | · | |
| Net Income CAGR 5Y | 15.1% | · | · | · | · | · | · | · | · | · | · | · | |
| Dividends Paid CAGR 5Y | 18.6% | · | · | · | · | · | · | · | · | · | · | · |
Valuation (TTM)
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $188M | $134M | $101M | $108M | $110M | $96M | $91M | $85M | $83M | $78M | $73M | $73M | |
| Net Income TTM | $59M | $8M | $27M | $38M | $44M | $29M | $26M | $25M | $18M | $20M | $18M | $18M | |
| Market Cap | $487M | $511M | $343M | $371M | $378M | $265M | $372M | $326M | $345M | $360M | $282M | · | |
| Enterprise Value | · | · | · | · | · | · | · | · | $431M | $403M | $288M | · | |
| P/E | 8.3 | 51.7 | 12.7 | 9.8 | 8.8 | 9.2 | 14.5 | 13.1 | 18.6 | 18.4 | 16.1 | 21.2 | |
| P/S | 2.6 | 3.8 | 3.4 | 3.4 | 3.4 | 2.8 | 4.1 | 3.8 | 4.2 | 4.6 | 3.9 | · | |
| P/B | 0.9 | 1.1 | 1.0 | 1.2 | 1.1 | 0.8 | 1.2 | 1.2 | 1.3 | 1.4 | 1.1 | · | |
| P / Tangible Book | 1.2 | 1.4 | 1.2 | 1.5 | 1.4 | 1.1 | · | · | · | · | · | · | |
| P / Cash Flow | 9.0 | 15.1 | 10.3 | 8.8 | 9.3 | 7.1 | 10.0 | 10.0 | 12.0 | 12.8 | 10.0 | · | |
| P / FCF | 11.2 | 16.3 | 12.5 | 10.7 | 10.5 | 7.6 | 11.8 | 11.4 | 15.4 | 16.9 | 11.9 | · | |
| EV / EBITDA | · | · | · | · | · | · | · | · | 220.9 | 242.5 | 180.3 | · | |
| EV / FCF | · | · | · | · | · | · | · | · | 19.3 | 18.9 | 12.1 | · | |
| EV / Revenue | · | · | · | · | · | · | · | · | 5.2 | 5.2 | 4.0 | · | |
| Dividend Yield | 5.1% | 3.5% | 3.4% | 3.0% | 2.9% | 4.0% | 2.7% | 3.0% | 2.7% | 2.5% | 3.3% | · | |
| Earnings Yield | 12.1% | 1.9% | 7.9% | 10.2% | 11.4% | 10.9% | 6.9% | 7.6% | 5.4% | 5.4% | 6.2% | 4.7% | |
| Payout Ratio | 41.6% | 212.9% | 42.6% | 29.7% | 24.8% | 35.8% | 39.4% | 38.9% | 50.5% | 46.8% | 52.6% | 53.0% | |
| Annual Payout | $25M | $18M | $12M | $11M | $11M | $11M | $10M | $10M | $9M | $9M | $9M | $9M |
Income Statement
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Expense | · | · | · | · | · | · | · | · | · | $20M | · | $17M | $15M | $11M | · | $4M | |
| Interest Income | $68M | $65M | $67M | $65M | $65M | $62M | $66M | $68M | $38M | $39M | $40M | $39M | $37M | $34M | $32M | $29M | |
| Pretax Income | $18M | $19M | $15M | $19M | $20M | $18M | $6M | $-5M | $4M | $4M | $4M | $8M | $11M | $9M | $11M | $12M | |
| Income Tax | $4M | $4M | $3M | $4M | $3M | $3M | $-272.0K | $-657.0K | $421.0K | $478.0K | $587.0K | $1M | $2M | $1M | $2M | $2M | |
| Net Income | $15M | $15M | $12M | $15M | $17M | $15M | $6M | $-4M | $3M | $3M | $4M | $7M | $9M | $8M | $9M | $10M | |
| EPS (Basic) | $1.48 | $1.47 | $1.19 | $1.53 | $1.70 | $1.50 | $0.47 | $-0.43 | $0.47 | $0.49 | $0.52 | $0.95 | $1.32 | $1.06 | $1.28 | $1.39 | |
| EPS (Diluted) | $1.48 | $1.47 | $1.20 | $1.51 | $1.68 | $1.49 | $0.47 | $-0.43 | $0.46 | $0.49 | $0.52 | $0.95 | $1.31 | $1.05 | $1.27 | $1.38 | |
| Shares (Diluted) | 10,036,037 | 10,029,213 | · | 10,086,915 | 10,082,260 | 10,043,186 | · | 10,044,449 | 7,114,115 | 7,102,112 | · | 7,120,685 | 7,177,915 | 7,198,970 | · | 7,213,147 | |
| EBITDA | · | $916.0K | · | · | · | $798.0K | · | · | · | $749.0K | · | · | · | $703.0K | · | · |
Balance Sheet
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| PP&E (Net) | $80M | $79M | $78M | $77M | $77M | $72M | $73M | $76M | $59M | $59M | · | $62M | $58M | $57M | · | $54M | |
| PP&E (Gross) | · | · | $126M | · | · | · | $126M | · | · | · | · | · | · | · | · | · | |
| Accum. Depreciation | · | · | $48M | · | · | · | $53M | · | · | · | · | · | · | · | · | · | |
| Goodwill | $76M | $76M | $76M | $76M | $76M | $76M | $76M | $77M | $63M | $63M | · | $63M | $63M | $63M | · | $63M | |
| Intangibles | $25M | $26M | $28M | $29M | $31M | $32M | $34M | $36M | · | · | · | $19.0K | $48.0K | $77.0K | · | · | |
| Other Non-current Assets | $8M | $9M | $4M | $5M | $6M | $6M | $5M | $12M | $3M | $2M | · | $3M | $3M | $11M | · | $8M | |
| Total Assets | $5.44B | $5.42B | $5.27B | $5.16B | $5.11B | $5.00B | $5.09B | $5.36B | $3.62B | $3.67B | · | $3.83B | $3.68B | $3.68B | · | $3.52B | |
| Short-term Debt | $85M | $179M | $33M | $76M | $76M | $15M | $16M | $37M | $104M | $20M | $18M | $27M | $20M | $17M | $115M | $15M | |
| Total Liabilities | $4.90B | $4.90B | $4.75B | $4.65B | $4.61B | $4.52B | $4.62B | $4.89B | $3.28B | $3.33B | · | $3.50B | $3.35B | $3.35B | · | $3.21B | |
| Total Debt | $85M | $179M | · | $76M | $76M | $15M | · | $37M | $104M | $20M | · | $27M | $20M | $17M | · | $15M | |
| Common Stock | $20M | $20M | $20M | $20M | $20M | $20M | $20M | $20M | $14M | $14M | · | $14M | $14M | $14M | · | $14M | |
| Retained Earnings | $291M | $282M | $274M | $268M | $259M | $248M | $239M | $239M | $250M | $249M | · | $248M | $244M | $238M | · | $224M | |
| AOCI | $-26M | $-28M | $-25M | $-29M | $-35M | $-36M | $-41M | $-35M | $-45M | $-45M | · | $-59M | $-52M | $-49M | · | $-64M | |
| Stockholders' Equity | $536M | $526M | $520M | $509M | $494M | $482M | $469M | $475M | $341M | $340M | $340M | $324M | $332M | $329M | $315M | $302M | |
| Liabilities + Equity | $5.44B | $5.42B | $5.27B | $5.16B | $5.11B | $5.00B | $5.09B | $5.36B | $3.62B | $3.67B | · | $3.83B | $3.68B | $3.68B | · | $3.52B | |
| Shares Outstanding | 10,010,367 | 10,010,488 | 9,994,595 | 9,994,595 | 9,994,696 | 9,995,483 | 9,990,724 | 9,994,648 | 7,057,258 | 7,057,258 | · | 7,040,852 | 7,130,409 | 7,150,757 | · | 7,162,750 |
Cash Flow
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| D&A | $922.0K | $916.0K | $884.0K | $823.0K | $812.0K | $798.0K | $975.0K | $896.0K | $726.0K | $749.0K | $743.0K | $650.0K | $698.0K | $703.0K | $1M | $1M | |
| Stock-based Comp | $211.0K | $444.0K | $288.0K | $267.0K | $-19.0K | $-188.0K | $119.0K | $319.0K | $287.0K | $61.0K | $260.0K | $259.0K | $160.0K | $209.0K | $223.0K | $223.0K | |
| Deferred Tax | $-191.0K | $1M | $2M | $0 | $572.0K | $2M | $-1M | $-2M | $-257.0K | $-174.0K | $285.0K | $376.0K | $424.0K | $183.0K | · | · | |
| Amort. of Intangibles | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $0 | $0 | $19.0K | $29.0K | $28.0K | $29.0K | $74.0K | $96.0K | |
| Other Non-cash | · | $-9M | · | · | · | $-8M | · | · | · | $-876.0K | · | · | · | $-4M | · | · | |
| Operating Cash Flow | $14M | $8M | $16M | $15M | $14M | $9M | $8M | $22M | $2M | $3M | $9M | $7M | $13M | $5M | $12M | $11M | |
| CapEx | $2M | $2M | $3M | $2M | $5M | $499.0K | $-2M | $4M | $398.0K | $216.0K | $228.0K | $1M | $2M | $3M | $2M | $3M | |
| Investing Cash Flow | $-89M | $-80M | $-19M | $-40M | $-6M | $41M | $114M | $282M | $-4M | $-5M | $22M | $-25M | $-9M | $-14M | $-106M | $-41M | |
| Debt Issued | $25M | $20M | $27M | $34M | · | · | · | · | · | · | $0 | $0 | $0 | $25M | · | · | |
| Net Debt Issued | · | $367.0K | · | · | · | $-10M | · | · | · | · | · | · | · | $24M | · | · | |
| Dividends Paid | $6M | $6M | $6M | $6M | $6M | $6M | $6M | $6M | $3M | $3M | $3M | $3M | $3M | $3M | $3M | $3M | |
| Financing Cash Flow | $3M | $132M | $92M | $29M | $91M | $-108M | $-271M | $-68M | $-58M | $-75M | $-98M | $136M | $-8M | $112M | $19M | $95M | |
| Net Change in Cash | $-72M | $60M | $89M | $4M | $99M | $-59M | $-150M | $236M | $-60M | $-77M | $-67M | $118M | $-4M | $103M | $-75M | $65M | |
| Taxes Paid | $4M | $19.0K | $1M | $3M | $4M | $22.0K | $700.0K | $650.0K | $480.0K | $24.0K | $390.0K | $1M | $2M | $47.0K | $3M | $2M | |
| Free Cash Flow | · | $6M | · | · | · | $9M | · | · | · | $3M | · | · | · | $2M | · | · | |
| Levered FCF | · | · | · | · | · | · | · | · | · | $-14M | · | · | · | $-7M | · | · |
Profitability
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 28.4% | 29.6% | · | 32.7% | 35.0% | 32.8% | · | -9.7% | 14.6% | 15.3% | · | 27.0% | 36.8% | 28.4% | · | 35.2% | |
| Pretax Margin | 35.3% | 37.2% | · | 40.4% | 42.1% | 39.9% | · | -11.1% | 16.5% | 17.4% | · | 32.4% | 43.8% | 33.6% | · | 42.1% | |
| EBITDA Margin | · | 1.8% | · | · | · | 1.7% | · | · | · | 3.3% | · | · | · | 2.6% | · | · | |
| ROA | 0.28% | 0.28% | · | 0.29% | 0.39% | 0.35% | · | -0.09% | 0.09% | 0.09% | · | 0.18% | 0.27% | 0.22% | · | 0.30% | |
| ROE | 2.9% | 2.9% | · | 3.1% | 4.1% | 3.6% | · | -1.1% | 0.98% | 1.0% | · | 2.1% | 2.9% | 2.3% | · | 3.2% |
Liquidity & Solvency
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.2 | 0.3 | · | 0.1 | 0.2 | 0.0 | · | 0.1 | 0.3 | 0.1 | · | 0.1 | 0.1 | 0.1 | · | 0.0 |
Efficiency
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 |
Per Share
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Book Value / Share | $53.56 | $52.50 | · | $50.95 | $49.44 | $48.21 | · | $47.53 | $48.29 | $48.18 | · | $46.07 | $46.53 | $45.96 | · | $42.14 | |
| Revenue / Share | $5.20 | $4.96 | · | $4.63 | $4.80 | $4.56 | · | $4.48 | $3.16 | $3.20 | · | $3.51 | $3.57 | $3.71 | · | $3.93 | |
| Cash Flow / Share | · | $0.83 | · | · | · | $0.90 | · | · | · | $0.45 | · | · | · | $0.63 | · | · | |
| Dividend / Share | $0.62 | $0.62 | $0.61 | $0.62 | $0.62 | $0.62 | $0.62 | $0.62 | $0.41 | $0.41 | $0.41 | $0.41 | $0.41 | $0.41 | $0.40 | $0.40 | |
| EPS (TTM) | $5.66 | $5.86 | · | $5.15 | $3.21 | $1.99 | · | $1.04 | $2.42 | $3.27 | · | $4.58 | $5.01 | $5.00 | · | $6.28 |
Valuation (TTM)
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $195M | $192M | · | $185M | $183M | $157M | · | $114M | $94M | $97M | · | $103M | $106M | $108M | · | $119M | |
| Net Income TTM | $57M | $59M | · | $53M | $34M | $20M | · | $6M | $17M | $23M | · | $33M | $36M | $36M | · | $45M | |
| Market Cap | $664M | $534M | · | $486M | $493M | $444M | · | $469M | $321M | $304M | · | $282M | $312M | $310M | · | $336M | |
| P/E | 11.7 | 9.1 | · | 9.4 | 15.4 | 22.3 | · | 45.1 | 18.8 | 13.2 | · | 8.8 | 8.7 | 8.7 | · | 7.5 | |
| P/S | 3.4 | 2.8 | · | 2.6 | 2.7 | 2.8 | · | 4.1 | 3.4 | 3.1 | · | 2.7 | 2.9 | 2.9 | · | 2.8 | |
| P/B | 1.2 | 1.0 | · | 1.0 | 1.0 | 0.9 | · | 1.0 | 0.9 | 0.9 | · | 0.9 | 0.9 | 0.9 | · | 1.1 | |
| P / Tangible Book | 1.5 | 1.3 | · | 1.2 | 1.3 | 1.2 | · | 1.3 | 1.2 | 1.1 | · | 1.1 | 1.2 | 1.2 | · | 1.4 | |
| P / Cash Flow | · | 64.4 | · | · | · | 49.0 | · | · | · | 94.3 | · | · | · | 68.1 | · | · | |
| Dividend Yield | 3.7% | 4.6% | · | 5.1% | 5.0% | 4.8% | · | 3.2% | 3.6% | 3.8% | · | 4.1% | 3.7% | 3.7% | · | 3.3% | |
| Earnings Yield | 8.5% | 11.0% | · | 10.6% | 6.5% | 4.5% | · | 2.2% | 5.3% | 7.6% | · | 11.4% | 11.4% | 11.5% | · | 13.4% | |
| Payout Ratio | · | 42.4% | · | · | · | 41.0% | · | · | · | 83.5% | · | · | · | 38.7% | · | · | |
| Annual Payout | $25M | $25M | · | $25M | $25M | $21M | · | $15M | $12M | $12M | · | $12M | $12M | $11M | · | $11M |
Most recent period on the left · null values shown as ·
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Net Income | $59M | $8M | $27M | $38M | $44M |
| Diluted EPS | $5.88 | $0.99 | $3.83 | $5.28 | $6.02 |
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Debt / Equity | 0.1 | 0.0 | 0.1 | 0.4 | · |
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Free Cash Flow | $43M | $31M | $27M | $35M | $36M |
Institutional owners (13F) 127 filers · $259.4M total · As of Sept. 30, 2026
Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.
Holders
127
Value held
$259.4M
New positions
21
Exited positions
10
Institutional activity — Q2 2026 vs prior quarter
| New positions | Exited positions | Increased | Decreased | Net shares change |
|---|---|---|---|---|
| 21 (+1 vs prior Q) | 10 (+5 vs prior Q) | 56 (+29 vs prior Q) | 15 (-17 vs prior Q) | +425K |
Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.
| Institution | Value | Shares | % of tracked 13F | Type |
|---|---|---|---|---|
| BlackRock, Inc. | $49,411,601 | 744,487 | 19.05% | Shares |
| VANGUARD CAPITAL MANAGEMENT LLC | $26,757,663 | 403,159 | 10.31% | Shares |
| VANGUARD GROUP INC | $24,567,473 | 504,362 | 9.47% | Shares |
| DIMENSIONAL FUND ADVISORS LP | $22,517,105 | 339,265 | 8.68% | Shares |
| GEODE CAPITAL MANAGEMENT, LLC | $16,572,115 | 249,636 | 6.39% | Shares |
| STATE STREET CORP | $14,102,032 | 212,476 | 5.44% | Shares |
| AMERICAN CENTURY COMPANIES INC | $13,456,783 | 202,754 | 5.19% | Shares |
| PEOPLES FINANCIAL SERVICES CORP. | $5,998,998 | 90,401 | 2.31% | Shares |
| NORTHERN TRUST CORP | $5,715,718 | 86,119 | 2.20% | Shares |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | $5,506,586 | 82,968 | 2.12% | Shares |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $5,231,018 | 78,816 | 2.02% | Shares |
| VANGUARD FIDUCIARY TRUST CO | $4,113,281 | 61,975 | 1.59% | Shares |
| Empowered Funds, LLC | $3,986,713 | 60,068 | 1.54% | Shares |
| Bank of New York Mellon Corp | $3,493,626 | 52,639 | 1.35% | Shares |
| MORGAN STANLEY | $3,262,637 | 49,157 | 1.26% | Shares |
| PNC Financial Services Group, Inc. | $3,214,232 | 48,429 | 1.24% | Shares |
| Alliance Wealth Advisors, LLC | $2,982,182 | 44,933 | 1.15% | Shares |
| SEGALL BRYANT & HAMILL, LLC | $2,496,906 | 37,621 | 0.96% | Shares |
| TWO SIGMA INVESTMENTS, LP | $2,319,233 | 34,944 | 0.89% | Shares |
| FIRST TRUST ADVISORS LP | $2,264,876 | 34,125 | 0.87% | Shares |
| WELLS FARGO & COMPANY/MN | $2,248,389 | 33,876 | 0.87% | Shares |
| HOTCHKIS & WILEY CAPITAL MANAGEMENT LLC | $2,000,392 | 30,140 | 0.77% | Shares |
| Cutler Capital Management, LLC | $1,907,893 | 28,746 | 0.74% | Shares |
| EAGLE WEALTH STRATEGIES LLC | $1,901,832 | 28,655 | 0.73% | Shares |
| Quantinno Capital Management LP | $1,818,273 | 27,396 | 0.70% | Shares |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $1,755,155 | 26,445 | 0.68% | Shares |
| Nuveen, LLC | $1,541,576 | 23,227 | 0.59% | Shares |
| AQR CAPITAL MANAGEMENT LLC | $1,431,272 | 21,565 | 0.55% | Shares |
| GOLDMAN SACHS GROUP INC | $1,280,810 | 19,298 | 0.49% | Shares |
| CORNERSTONE ADVISORS ASSET MANAGEMENT, LLC | $1,005,705 | 15,153 | 0.39% | Shares |
| LPL Financial LLC | $939,517 | 14,156 | 0.36% | Shares |
| COMMONWEALTH EQUITY SERVICES, LLC | $936,350 | 14,108 | 0.36% | Shares |
| BANK OF AMERICA CORP /DE/ | $916,768 | 13,813 | 0.35% | Shares |
| CITIGROUP INC | $849,470 | 12,799 | 0.33% | Shares |
| &PARTNERS | $821,699 | 12,381 | 0.32% | Shares |
| RHUMBLINE ADVISERS | $793,046 | 11,949 | 0.31% | Shares |
| Stone House Investment Management, LLC | $785,305 | 11,832 | 0.30% | Shares |
| Jacobi Capital Management LLC | $760,018 | 11,451 | 0.29% | Shares |
| BERKSHIRE ASSET MANAGEMENT LLC/PA | $742,548 | 11,188 | 0.29% | Shares |
| Invesco Ltd. | $652,152 | 9,826 | 0.25% | Shares |
| DEUTSCHE BANK AG\ | $612,927 | 9,235 | 0.24% | Shares |
| O'SHAUGHNESSY ASSET MANAGEMENT, LLC | $600,383 | 9,046 | 0.23% | Shares |
| Riggs Asset Managment Co. Inc. | $589,827 | 8,887 | 0.23% | Shares |
| Focus Partners Wealth | $586,776 | 8,841 | 0.23% | Shares |
| XTX Topco Ltd | $557,508 | 8,400 | 0.21% | Shares |
| MERCER GLOBAL ADVISORS INC /ADV | $519,014 | 7,820 | 0.20% | Shares |
| Connor, Clark & Lunn Investment Management Ltd. | $478,461 | 7,209 | 0.18% | Shares |
| MILLENNIUM MANAGEMENT LLC | $437,246 | 6,588 | 0.17% | Shares |
| HANCOCK WHITNEY CORP | $398,817 | 6,009 | 0.15% | Shares |
| ALLIANCEBERNSTEIN L.P. | $394,642 | 7,400 | 0.15% | Shares |
Company insiders 47 insiders · 20 officers · 28 directors
| Insider | Role | Last activity | Shares owned | Buys 12m | Sells 12m | Net 12m |
|---|---|---|---|---|---|---|
| Gerard A Champi | CHIEF EXECUTIVE OFFICER | June 26, 2026 A | 20,436 | 0 | 0 | $0 |
| Craig W Best | CEO | Nov. 27, 2024 S | 4,726 | 0 | 0 | $0 |
| Alan W Dakey | PRESIDENT & CEO | June 6, 2012 P | 4,670 | 0 | 0 | $0 |
| James M Bone JR | EVP/CHIEF FINANCIAL OFFICER | June 26, 2026 A | 10,798 | 0 | 0 | $0 |
| Scott A Seasock | EVP Chief Financial Officer | Feb. 8, 2016 P | 4,990 | 0 | 0 | $0 |
| Thomas P Tulaney | PRESIDENT | April 3, 2026 M | 22,232 | 0 | 0 | $0 |
| John R Anderson III | EVP/CHIEF OPERATING OFFICER | June 26, 2026 A | 6,310 | 0 | 0 | $0 |
| Jeffrey A Drobins | EVP/CHIEF LENDING OFFICER | Aug. 29, 2026 M | 6,063 | 0 | 0 | $0 |
| Timothy Kirtley | EVP/CHIEF RISK OFFICER | Aug. 29, 2026 M | 6,694 | 0 | 0 | $0 |
| Amy Vieney | EVP/CHIEF HUMAN RESOURCES OFF | June 26, 2026 A | 580 | 0 | 0 | $0 |
| Susan L Hubble | EVP/CHIEF INFORMATION OFFICER | June 26, 2026 A | 1,842 | 0 | 0 | $0 |
| Neal D Koplin | SR EVP/CHIEF BANKING OFFICER | June 26, 2026 A | 10,223 | 0 | 0 | $0 |
| Mary Griffin Cummings | EVP/GENERAL COUNSEL | June 26, 2026 A | 6,780 | 0 | 0 | $0 |
| Stephanie A. Westington | EVP/CHIEF ACCOUNTING OFF | June 26, 2026 A | 3,305 | 0 | 0 | $0 |
| James P Chiaro | EVP/CHIEF INV SERVICES OFFICER | July 1, 2024 A | 3,706 | 0 | 0 | $0 |
| Joseph Ferretti | EVP,Northeast Market President | Feb. 27, 2020 A | 1,007 | 0 | 0 | $0 |
| Debra E Dissinger | EVP, Chief Operations Officer | Nov. 6, 2019 S | 8,060 | 0 | 0 | $0 |
| Michael L Jake | EVP, Chief Risk Officer | March 26, 2019 A | 2,772 | 0 | 0 | $0 |
| Stephen N Lawrenson | VICE PRESIDENT | March 12, 2012 P | 2,643 | 0 | 0 | $0 |
| Wayne R Whipple | Officer | Feb. 12, 2004 X | 0 | 0 | 0 | $0 |
| Richard S Lochen JR | Director | Feb. 4, 2026 G | 18,791 | 0 | 0 | $0 |
| Joseph L Denaples | Director | Jan. 30, 2026 A | 53,961 | 0 | 0 | $0 |
| Kathleen Mccarthy Lambert | Director | Jan. 30, 2026 A | 3,689 | 0 | 0 | $0 |
| William G. Bracey | Director | Jan. 30, 2026 A | 5,668 | 0 | 0 | $0 |
| Thomas J. Melone | Director | Jan. 30, 2026 A | 3,053 | 0 | 0 | $0 |
| Joseph T Wright JR | Director | Jan. 30, 2026 A | 43,939 | 0 | 0 | $0 |
| Ronald G Kukuchka | Director | Jan. 30, 2026 A | 33,269 | 0 | 0 | $0 |
| Elisa Z Ramirez | Director | Jan. 30, 2026 A | 1,763 | 0 | 0 | $0 |
| William E Aubrey II | CHAIRMAN | Jan. 30, 2026 A | 55,899 | 0 | 0 | $0 |
| Joseph A Coccia | Director | Jan. 30, 2026 A | 4,809 | 0 | 0 | $0 |
| Sandra Bodnyk | Director | Jan. 30, 2026 A | 5,484 | 0 | 0 | $0 |
| Keith W. Eckel | Director | Jan. 30, 2026 A | 15,975 | 0 | 0 | $0 |
| James B Nicholas | Director | Jan. 30, 2026 A | 25,171 | 0 | 0 | $0 |
| Louis A Denaples | Director | Jan. 30, 2026 A | 340,613 | 0 | 0 | $0 |
| William P Conaboy | Director | Jan. 30, 2026 A | 3,683 | 0 | 0 | $0 |
| George H Stover JR | Director | Dec. 9, 2016 S | 74,312 | 0 | 0 | $0 |
| Joseph G Cesare MD | Director | Nov. 30, 2016 S | 68,874 | 0 | 0 | $0 |
| Frank P Kozik | Director | July 9, 2015 P | 15,881 | 0 | 0 | $0 |
| James G Keisling | Director | April 27, 2015 P | 37,109 | 0 | 0 | $0 |
| Robert W Naismith | Director | Nov. 12, 2014 G | 40,542 | 0 | 0 | $0 |
| Steven Weinberger | Director | June 23, 2014 S | 17,975 | 0 | 0 | $0 |
| Earle A Wootton | Director | Oct. 27, 2011 P | 21,000 | 0 | 0 | $0 |
| Gerald Pennay | Director | Nov. 12, 2004 A | 15,370 | 0 | 0 | $0 |
| Jack Norris | Director | March 1, 2004 X | 0 | 0 | 0 | $0 |
| Thomas F Chamberlain | Director | May 1, 2002 M | 12,339 | 0 | 0 | $0 |
| Russell D Shurtleff | Director | May 1, 1999 M | 15,535 | 0 | 0 | $0 |
| John W Ord | Director | May 1, 1998 M | 67,124 | 0 | 0 | $0 |
Insiders from SEC Form 3/4/5 filings; net = open-market P/S only
ETF ownership Held by 25 ETFs
Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.
| Fund | Weight | Units | As of | Source |
|---|---|---|---|---|
| IWC · iShares Trust | 0.16% | 32,426 SH | Sept. 11, 2026 | Daily |
| EBIT · Harbor ETF Trust | 0.09% | 156 NS | July 31, 2026 | N-PORT |
| VTWV · VANGUARD SCOTTSDALE FUNDS | 0.04% | 7,444 SH | Aug. 19, 2026 | Daily |
| IWM · iShares Trust | 0.02% | 259,812 SH | Sept. 11, 2026 | Daily |
| DFSV · Dimensional ETF Trust | 0.02% | 27,065 NS | July 31, 2026 | N-PORT |
| OMFS · Invesco Exchange-Traded Self-Indexe… | 0.02% | 867 SH | Oct. 2, 2026 | Daily |
| RSSL · Global X Funds | 0.02% | 4,522 NS | July 31, 2026 | N-PORT |
| VTWO · VANGUARD SCOTTSDALE FUNDS | 0.02% | 54,469 SH | Aug. 19, 2026 | Daily |
| DFAT · Dimensional ETF Trust | 0.02% | 32,168 NS | July 31, 2026 | N-PORT |
| DFAS · Dimensional ETF Trust | 0.01% | 31,466 NS | July 31, 2026 | N-PORT |
| PRFZ · Invesco Exchange-Traded Fund Trust | 0.01% | 4,989 SH | Oct. 2, 2026 | Daily |
| VXF · VANGUARD INDEX FUNDS | 0.01% | 107,086 SH | Aug. 19, 2026 | Daily |
| VFH · VANGUARD WORLD FUND | 0.01% | 15,215 SH | Aug. 19, 2026 | Daily |
| IWO · iShares Trust | 0.01% | 10,127 SH | Sept. 11, 2026 | Daily |
| DXUV · Dimensional ETF Trust | 0.00% | 312 NS | July 31, 2026 | N-PORT |
| DFAC · Dimensional ETF Trust | 0.00% | 19,385 NS | July 31, 2026 | N-PORT |
| DCOR · Dimensional ETF Trust | 0.00% | 779 NS | July 31, 2026 | N-PORT |
| DFAU · Dimensional ETF Trust | 0.00% | 2,246 NS | July 31, 2026 | N-PORT |
| IWV · iShares Trust | 0.00% | 3,340 SH | Sept. 3, 2026 | Daily |
| DFSU · Dimensional ETF Trust | 0.00% | 389 NS | July 31, 2026 | N-PORT |
| DFUS · Dimensional ETF Trust | 0.00% | 2,386 NS | July 31, 2026 | N-PORT |
| VTI · VANGUARD INDEX FUNDS | 0.00% | 286,536 SH | Aug. 19, 2026 | Daily |
| VTWG · VANGUARD SCOTTSDALE FUNDS | 0.00% | 862 SH | Aug. 19, 2026 | Daily |
| VTHR · VANGUARD SCOTTSDALE FUNDS | 0.00% | 826 SH | Aug. 19, 2026 | Daily |
| IWN · iShares Trust | · | 84,483 SH | Sept. 11, 2026 | Daily |
PFIS Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside
rating · 7 analysts
SELL
Median target
$73.50
+6.1%
0 0.0%
Strong Buy
0 0.0%
Buy
4 57.1%
Hold
1 14.3%
Sell
2 28.6%
Strong Sell
12-Month Price Target
2 analysts · 2026-10-03Mean target $73.50 +6.1%
← Below all targets
Current price $69.29
Low$72.00
Mean$73.50
High$75.00
Peer comparison (GICS sub-industry) Key metrics vs sector peers
FY basis, prices as of each company's last fiscal year-end close.
| Ticker | Market Cap | P/E | Rev YoY | Net Margin | ROE | Gross Margin |
|---|---|---|---|---|---|---|
| PFIS | $487M | 8.3 | 39.7% | 31.5% | 11.7% | · |
| WASH | $562M | 10.9 | 127.6% | 22.8% | 9.8% | · |
| TCBX | $528M | 10.0 | 21.9% | 31.7% | 12.9% | · |
| CWBC | $431M | 11.2 | 25.6% | 26.0% | 9.7% | · |
| BCAL | $605M | 9.7 | 41.0% | 35.0% | 11.2% | · |
| AROW | · | 11.8 | 17.6% | · | · | · |
| MSBI | · | · | · | · | · | · |
| CARE | $434M | 14.2 | 4.7% | 154.4% | 7.6% | · |
| RRBI | $470M | 11.2 | 14.4% | 34.1% | 12.2% | · |
Trading Signals Recent buy/sell signals with entry price and risk/reward ratio
No open signal right now — no card is filled, and that's honest.
My Metrics Your personal watchlist — selected rows from Full Fundamentals
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Source: SEC 10-Q filed Aug 7, 2026