What is PFIS's options positioning and volatility profile?

Roarable tracks verified CBOE unusual options sweeps, put/call ratios, and OHLCV realized volatility bands for PFIS.

Stock Ratings / Financials / PFIS / options

CWBC (60) AROW (64) BCAL (62) MSBI (54) ⌘ Pro Terminal →

Peoples Financial Services Corp. (PFIS) Options Positioning, Max Pain & Unusual Sweeps

$74.92 +6.54% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $75.66

Peoples Financial Services Corp. (PFIS) carries a Roarable Rating of C (Hold) with 63/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C • HOLD / WATCH Cap $703.9M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on PFIS Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is PFIS stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-03, Peoples Financial Services Corp. (NASDAQ: PFIS) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 63/100 at a spot price of $74.92 (+6.54% 1D, market cap $703.9M). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 12/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 12/20, and Executive Insider Alignment 16/20. Across 1097 tracked Financials issuers, PFIS ranks #313 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does PFIS compare to CWBC and AROW in the Financials sector?

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Within the Financials sector (Major Banks), PFIS carries a Roarable C (63/100 RQD), trailing P/E of 12.1x, gross margin of —, and ROIC of 11.4%. By comparison, CWBC (Community West Bancshares) holds a C- grade (60/100 RQD, P/E 18.6x, ROIC 9.3%, cap $699.7M) and AROW (Arrow Financial Corporation) posts a C grade (64/100 RQD, P/E 16.3x, ROIC 10.2%, cap $710.6M). Among the 5-stock peer group, BCAL leads on earnings multiple (10.9x) while PFIS leads on capital efficiency (11.4% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for PFIS?

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Per PFIS's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001056943), Peoples Financial Services Corp. generated $2.21B in revenue (+3.5% YoY), $59.2M in net income, and $43.3M in free cash flow against $5.27B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $75.66 (+0.99%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 10/20 (D) • 2% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 63/100 (C) historically posted market-perform odds over rolling 90-day windows (+0.9% avg 90D alpha vs SPY • 54.8% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C · Rk C

Each axis scored 0–20

12M PRICE TARGET CONE+2.3% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for PFIS)Realized 20D OHLCV Swing Band: ±4.9%

Deterministic 5-Pillar Attribution (63/100 Composite)

🔍 WHY PFIS SCORES 63/100 (C) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (25% of score)

SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (21% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 4/9

▼ #1 Drag / Risk Factor: Cash Engine Quality10/20 pts (-10 pt drag)

Capital intensity & 0% operating margin leave 10 pts on the table

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C$68.02+1.7% Next Q

Q2 (-2Q)

Grade C$69.16+2.6% Next Q

Q3 (-1Q)

Grade C$70.97+5.6% Next Q

Current

Grade C$74.92+0.9% Hist 90D α

Trajectory: C (55) → C (63)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the PFIS Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 63/100 (C) score, PFIS faces multiple-compression risk if 12.1x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($69.78) or 200D SMA ($62.39) invalidates the momentum regime and cuts Target Base ($76.61) toward Bear Floor ($59.76).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $PFIS• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “PFIS Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 63%NO 37%Trade / Inspect Odds →

CALL VS. PUT WHALE SHARE

— (No Active Options Snapshot)

Put/Call Ratio: — (No Active Options Snapshot)

MAX-PAIN EXPIRATION MAGNET

— (No Active Options Snapshot)

No active options chain max-pain snapshot on file

HISTORICAL 20D VOLATILITY SWING

±4.9%

Derived from 20D OHLCV bars (No Active Options Snapshot)

Active Strike Call vs. Put Concentration Ladder (PFIS)

— (No Active Options Snapshot) — No unusual CBOE strike concentration anomalies recorded in the current database snapshot for PFIS.

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Whale Flow & Momentum Playbook: Evaluating PFIS & AI Leaders Without Chasing Tops

✓Institutional whale strikes & implied earnings move audit on PFIS
✓How disciplined traders manage risk using pre-published trigger & invalidation levels
✓Includes nightly RQD rating-change & forensic signal email alerts on tracked leaders

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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PFIS // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +33.69%▲ RESISTANCE BREAKOUT

2026-11-03O $71.46H $74.92L $70.32C $74.92VOL 53.8K

RES: $73.30SUP: $65.04SMA50: $69.78SMA200: $62.39

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

PFIS Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 PFIS Butterfly Map → + Track PFIS →

Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle

2.7%/yr Implied 5Y Growth

vs. +3.5% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on PFIS today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for PFIS. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for PFIS today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (PFIS)

Financials Rank #313 of 1097 ⚔️ CWBC vs PFIS Full Matrix →

1. Head-to-Head Financials Peer Comparison (PFIS vs. CWBC, AROW, BCAL, MSBI)

Industry: Major Banks (248 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Peoples Financial Services Corp. (PFIS) ranks #313 by composite RQD confidence (63/100, grade C) and #620 by equity capitalization ($703.9M). Within this direct 5-issuer industry benchmark cohort, BCAL leads on earnings valuation at 10.9x trailing P/E, while PFIS leads on capital efficiency and profitability with 11.4% ROIC and — gross margin. AROW currently holds the highest overall quantitative score in the immediate peer group at 64/100 (C) compared with PFIS at 63/100 (C).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
PFIS ACTIVE Peoples Financial Services Corp.	C	63/100	12.1x	—	11.4%	+6.54%	$703.9M	Benchmark Subject
CWBC Community West Bancshares	C-	60/100	18.6x	—	9.3%	+2.21%	$699.7M	/cwbc-vs-pfis →
AROW Arrow Financial Corporation	C	64/100	16.3x	—	10.2%	+2.35%	$710.6M	/arow-vs-pfis →
BCAL California BanCorp	C	62/100	10.9x	—	10.9%	+1.86%	$690.6M	/bcal-vs-pfis →
MSBI Midland States Bancorp Inc.	D+	54/100	—	—	-22.0%	+1.62%	$682.5M	/msbi-vs-pfis →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001056943 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Peoples Financial Services Corp. (PFIS) reported GAAP revenue of $2.21B (+3.5% vs. FY2024 revenue of $2.14B , and +1647.1% cumulative change since FY2023) , GAAP net income of $59.2M, operating cash flow of $54.3M, and free cash flow of $43.3M (+34.8% YoY). On the balance sheet, PFIS closed FY2025 with $5.27B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 4/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$2.21B	$59.2M	$54.3M	$43.3M	$5.27B	—
FY2024 (FY)	2024-12-31	$2.14B	$8.5M	$34.7M	$32.1M	$5.09B	—
FY2023 (FY)	2023-12-31	$126.7M	$27.4M	$33.3M	$33.3M	—	—

3. PFIS Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is PFIS stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does PFIS compare to CWBC and AROW in the Financials sector?

What are the biggest fundamental strengths and SEC risk factors for PFIS?

Where is PFIS trading relative to its 50-day, 200-day, and 52-week technical levels?

PFIS last traded at $74.92 (+6.54% on volume of 98,775 shares), positioning the stock +7.37% above its 50-day simple moving average ($69.78) and +20.08% above its 200-day simple moving average ($62.39). Across its 52-week range of $44.26 to $73.37, PFIS sits at the 100.0% percentile with a 14-day RSI of 52.2 (NEUTRAL RANGE) and an implied next-earnings move of ±4.9% ($71.25 to $78.59).

Direct Sub-Reports: PFIS RQD Cockpit PFIS 12M Forecast PFIS Earnings & Move PFIS Dividends & DRIP PFIS Insiders & 13F PFIS Whale Options PFIS Profit Sankey PFIS News & Why

ROARABLE RATING BRIEF • RQD 63/100 (C) ✓ SEC XBRL & RQD VERIFIED

PFIS — Peoples Financial Services Corp.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit

Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Peoples Financial Services Corp. (PFIS) earns a live Roarable RQD composite score of 63/100, corresponding to a C letter grade (Roarable Hold) at a spot price of $74.92 (+6.54% 1D, market capitalization $703.9M).

Fundamental Cash Engine (10/20): Anchored by return on invested capital (ROIC) of 11.4%, gross margin of —, operating margin of —, and free cash flow yield of 6.06%.
Whale 13F & Options Flow (12/20) + Insider Conviction (16/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
Macro Regime Fit (12/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 4/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Peoples Financial Services Corp. (PFIS) is a NASDAQ-listed issuer classified in the Financials sector and the Major Banks industry,..7B.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Peoples Financial Services Corp. (PFIS) reported $2.21B in annual revenue (up from $2.14B in FY2024, +3.5% YoY) and $59.2M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($126.7M revenue, $27.4M net income) through FY2025, PFIS scaled operating cash flow to $54.3M and free cash flow to $43.3M, backed by $5.27B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

🐂 Primary Bull Case (C • RQD 63/100): Company leadership has skin in the game with net positive insider conviction. Free cash flow yield of 6.06% and institutional whale pillar of 12/20. With Fundamental Cash Engine at 10/20 and Institutional Whale Flow at 12/20, sustained execution supports upside toward the upper end of the $44.26 – $73.37 52-week range.
🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 12.1x trailing P/E against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

The only sector context provided is the Financials / Major Banks classification and the beta of 1.0 per the market data.

Key Question #1: Can PFIS sustain or expand its — operating margin and 11.4% ROIC against Major Banks peers over the next 4 quarters?
Key Question #2: Following FY2025 revenue of $2.21B and free cash flow of $43.3M, how will capital allocation balance growth reinvestment against $0 in total debt?
Key Question #3: How sensitive is PFIS's 11.3x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

PFIS Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Peoples Financial Services Corp. (PFIS) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to PFIS Debate Forum (3) ↓

🟢 CATALYST Yahoo Finance • 1d ago

Peoples Financial Services (PFIS) Stock Slips As Q3 Earnings Beat Fails To Ignite

Yahoo Finance report covering Peoples Financial Services Corp. (PFIS) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Yahoo Finance • 1d ago

Peoples Financial Services (PFIS) Could Be a Great Choice

Yahoo Finance report covering Peoples Financial Services Corp. (PFIS) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Stock Titan • 1d ago

Shareholders will receive 62.5 cents per share on Dec. 15.

Stock Titan report covering Peoples Financial Services Corp. (PFIS) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Simply Wall St • 1d ago

Peoples Financial Services (PFIS) Stock Slips After Q3 Earnings Strength

Simply Wall St report covering Peoples Financial Services Corp. (PFIS) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE MarketBeat • 1d ago

Peoples Financial Services Corp. (NASDAQ:PFIS) Stock Short Interest Report for September

MarketBeat report covering Peoples Financial Services Corp. (PFIS) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Yahoo Finance • 1d ago

Peoples Financial Services: Q3 Earnings Snapshot

Yahoo Finance report covering Peoples Financial Services Corp. (PFIS) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Stock Titan • 1d ago

Peoples Financial's bank added $60.7 million in loans in one quarter.

Stock Titan report covering Peoples Financial Services Corp. (PFIS) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE MarketBeat • 1d ago

Peoples Financial Services (PFIS) Set to Announce Earnings on Thursday

MarketBeat report covering Peoples Financial Services Corp. (PFIS) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

PFIS Bull vs. Bear Conversation Board — What's Your Call at $74.92?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON PFIS 🐻 33% BEARISH CONVICTION

QU QuantViper RQD DEBATE OPENER • Systematic Momentum Desk 🐂 BULLISH 🎯 Target: $84.38 (+20.0%)

📌 Pinned Debate

Insider conviction (16/20) is the strongest RQD pillar, with ROIC of 11.4% and FCF rising from $32.1M in FY 2024 to $43.3M in FY 2025.

Long PFIS at $70.32 targeting $84.38. Insider conviction (16/20) is the strongest RQD pillar, with ROIC of 11.4% and FCF rising from $32.1M in FY 2024 to $43.3M in FY 2025.. Institutional whale score is 12/20 and the risk/reward vs. the $44.26 52-week low is skewed heavily in favor of bulls.

RetailWhale_TX 🐂 BULL

@BearTrap_Alert Shorting a 12/20 institutional whale-flow stock at $70.32 is dangerous when funds are rotating into Financials.

BE BearTrap_Alert RQD DEBATE OPENER • Cycle Peak Watcher 🐻 BEARISH 🎯 Target: $59.07 (-16.0%)

Spot @ $70.32

The stock trades near the top of its $43.64 - $73.37 52-week range with a Piotroski F-Score of only 4/9 and mixed earnings-reaction hea

I respect the product at Peoples Financial Services Corp., but the stock at $70.32 is a different story. The stock trades near the top of its $43.64 - $73.37 52-week range with a Piotroski F-Score of only 4/9 and mixed earnings-reaction headlines.. FCF yield is 6.06% and RQD sits at 63/100 (C) — why pay up here when you can wait for next quarter's numbers?