PFIS – Dividend Returns, History & Calculator

Dividend Challenger 9 Years

Dividend Data

Div Yield 4.37%
5Y Avg Yield 3.79%
Current Div $0.625
Payouts/Year 4
Annualized $2.500
Previous Div $0.618
Ex-date Feb 27, 2026
Dividend Pay Date Mar 13, 2026

Price Data

Price $57.15
Price Change -0.14
Price Change % -0.24%
Next Earnings Report Apr 30, 2026
Low (52W) $40.89
High (52W) $58.58

Growth Rates

Chowder Number 15.7
DGR 1Y 9.5%
DGR 3Y 15.7%
DGR 5Y 11.3%
DGR 10Y 7.2%

Total Returns

TTR 1Y - With Specials 48.5%
TTR 3Y - With Specials 18.1%
TTR 1Y - No Specials 48.5%
TTR 3Y - No Specials 18.1%

Fair Value

Fair Value (P/E 10) $45.21
FV (P/E 10) % 26.0%
Fair Value (Peter Lynch) $147.00
FV (Peter Lynch) % -61.0%
Fair Value (Blended) $50.40
FV (Blended) % 13.0%

Financial Metrics

Revenue 1Y 39.7%
NPM 31.5%
CF/Share $5.42
ROE 12.0%
Debt/Capital 30.0%
ROTC 8.5%
P/E 9.7x
P/BV 1.1x
PEG 0.91

Company Info

Symbol PFIS
Company Peoples Financial Services Corp
Sector Financial Services
Industry Banks - Regional
Website Visit
Market Cap $571.8M
📊 Financial data last updated: April 16, 2026 3:33 pm

Calculate your PFIS Dividend Returns

Quickly and easily calculate PFIS dividend yield using our PFIS calculator. Adjust the fields below to see how your PFIS investments snowball over time.

Show Idealized Scenario (Assumes all future extra investments and dividends are made on Day 1 and reinvested instantly — this creates a best-case scenario for compounding growth.)

Portfolio Growth Over Time

Data last updated: April 17, 2026 7:37 am

Year-by-Year Portfolio Growth (Realistic DRIP Scenario)

YearStart BalanceStart SharesShare PriceDividend / ShareDividend YieldYield on CostAnnual DividendTotal DividendsEnd SharesEnd Balance
1$10,000176$56.73$0.634.41%4.41%$481$481206$11,681
2$12,152206$59.01$0.674.54%4.73%$596$1,078236$13,948
3$14,509236$61.39$0.724.69%5.07%$727$1,805268$16,437
4$17,098268$63.86$0.774.83%5.44%$878$2,683300$19,176
5$19,948300$66.43$0.834.98%5.83%$1,050$3,733334$22,198
6$23,092334$69.10$0.895.14%6.26%$1,248$4,981370$25,540
7$26,568370$71.89$0.955.30%6.71%$1,476$6,457407$29,244
8$30,421407$74.78$1.025.46%7.20%$1,737$8,194446$33,358
9$34,701446$77.79$1.105.63%7.72%$2,039$10,233488$37,940
10$39,467488$80.92$1.175.81%8.28%$2,386$12,620532$43,053

PFIS Dividend History

Ex-Date Payment Date Amount TTM Yield Forward Yield Price on Ex-Date
02/27/202602/27/2026$0.6254.63%4.66%$53.60
11/28/202511/28/2025$0.6185.07%5.07%$48.79
08/29/202508/29/2025$0.6184.72%4.72%$52.41
05/30/202505/30/2025$0.6185.14%5.14%$48.06
02/28/202502/28/2025$0.6184.64%5.06%$48.83
11/29/202411/29/2024$0.6183.73%4.48%$55.19
08/30/202408/30/2024$0.6183.88%5.19%$47.61
05/31/202405/31/2024$0.4104.21%4.21%$38.99
02/28/202402/28/2024$0.4104.22%4.22%$38.82
11/29/202311/29/2023$0.4103.83%3.83%$42.79
08/30/202308/30/2023$0.4103.66%3.68%$44.56
05/30/202305/30/2023$0.4104.01%4.06%$40.36
02/27/202302/27/2023$0.4103.20%3.28%$49.99
11/29/202211/29/2022$0.4002.91%2.95%$54.23
08/30/202208/30/2022$0.4003.13%3.21%$49.82
05/27/202205/27/2022$0.3902.90%2.94%$53.04
02/25/202202/25/2022$0.3903.11%3.19%$48.88
11/29/202111/29/2021$0.3803.10%3.15%$48.32
08/30/202108/30/2021$0.3803.20%3.29%$46.25
05/27/202105/27/2021$0.3703.35%3.39%$43.60
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PFIS 10-yr Total Return ($10,000 invested)

This analysis of PFIS demonstrates the power of dividend reinvestment over a 10-year period with a $10,000 initial investment. The dividend reinvestment strategy delivered a 7.8% CAGR, representing moderate long-term performance. The DRIP strategy provided 21% more total return compared to collecting dividends as cash, highlighting the compounding effect of reinvestment.

With DRIP No DRIP

Total Return with and without DRIP (PFIS)

Over the selected period, investing $10,000 in PFIS would grow to $31,484 with DRIP (214.8%), and $26,795 without DRIP (167.9%).

PFIS Dividend Reinvestment Snowball

Investing $10,000 + $100/mo in PFIS with historic price growth (4.03%) and dividend growth (7.26%) produces dramatically different outcomes depending on whether you reinvest dividends.

After 20 Years

Your Investment: $34,000

With DRIP

Portfolio: $149,648

Annual Dividend: $12,175

Yield on Cost: 35.81%

Total Dividends: $72,135

No DRIP

Portfolio: $98,254

Total Dividends: $39,633

After 30 Years

Your Investment: $46,000

With DRIP

Portfolio: $575,701

Annual Dividend: $63,639

Yield on Cost: 138.35%

Total Dividends: $363,974

No DRIP

Portfolio: $214,878

Total Dividends: $113,157

Milestones on the way

By year 13, the compounding really starts to show. Your total dividends collected reach $22,130 against a total investment of $25,600. At this point, your portfolio is throwing off $4,174 per year in dividends alone.

By year 17, the annual dividend climbs to around your initial contribution. For a starting investment of $10,000, the yearly dividend now sits at approximately $7,667, a powerful “income on autopilot” milestone.

After two decades, cumulative dividends total $72,135 versus $34,000 invested, nearly a 212% recovery of capital purely from income. Yield on cost reaches 35.81%.

At year 25, the income engine takes over. The portfolio’s annual dividend of $27,094 is greater than total contributions to date ($40,000), and cumulative dividends exceed $160,937.

By year 30, the DRIP snowball is in full force. Yearly income reaches $63,639, cumulative dividends total $363,974, and the DRIP portfolio value stands at $575,701, compared with $214,878 if dividends weren’t reinvested.

How we estimate these numbers

We use the latest calculator inputs for PFIS, price $56.73, dividend per period $0.63 (4x/year), along with historic growth assumptions: price growth 4.03% and dividend growth 7.26% annually.

We simulate month by month for 30 years. Every month, a $100 contribution is added and converted to shares at that month’s price. Dividends are paid roughly evenly across the year based on the dividend frequency; in the DRIP path, each payout immediately buys additional shares at the then-current price. In the No-DRIP path, dividends accrue as cash. Prices grow using a monthly rate derived from the annual price growth. Dividends per share increase once per year at the annual dividend growth rate.

This model isn’t investment advice; it’s a simple, transparent framework that illustrates how reinvesting dividends can accelerate both income and total return over time.

Projected Future Returns & Dividends for PFIS

Based on past 10-year performance, here are PFIS growth metrics:

Share price CAGR of +7.27%
Dividend CAGR of +7.17%

Using PFIS CAGR metrics, we can estimate that your initial $10,000 investment, over the next 10 years, should grow as follows:

PFIS (DRIP)PFIS (No DRIP)
Current Price$52.76$52.76
Start Shares189.54189.54
Start Value$10,000$10,000
After 10 years:
Final Share Count300.48189.54
Dividends Payment$5.00$5.00
Annual Dividends$1,434$947
Yield on cost14.34%9.47%
Share Price$106.40$106.40
Total Dividends$9,013$7,074
Final Value$31,972$27,241

Estimated Future Value + Dividends – PFIS

Dividend History: Payments & Yield

Shows quarterly dividend payments with trailing yield and a 5-year rolling average overlay. Use the range pills to switch the visible period.

Yield Dividend

Dividend Growth

Lifetime quarterly dividend amounts, with range controls for 1Y/2Y/5Y/10Y. Useful to visualize the cadence and pace of dividend increases over time.

Dividend

Dividend Payments & Yield

Quarterly dividends with TTM yield and a 5‑year rolling average overlay. Helps compare current yield versus recent history across different ranges.

Dividend 5-yr Rolling AVG Yield

PFIS Dividend History

Ex-Date Payment Date Amount TTM Yield Forward Yield Price on Ex-Date
02/27/202602/27/2026$0.6254.63%4.66%$53.60
11/28/202511/28/2025$0.6185.07%5.07%$48.79
08/29/202508/29/2025$0.6184.72%4.72%$52.41
05/30/202505/30/2025$0.6185.14%5.14%$48.06
02/28/202502/28/2025$0.6184.64%5.06%$48.83
11/29/202411/29/2024$0.6183.73%4.48%$55.19
08/30/202408/30/2024$0.6183.88%5.19%$47.61
05/31/202405/31/2024$0.4104.21%4.21%$38.99
02/28/202402/28/2024$0.4104.22%4.22%$38.82
11/29/202311/29/2023$0.4103.83%3.83%$42.79
08/30/202308/30/2023$0.4103.66%3.68%$44.56
05/30/202305/30/2023$0.4104.01%4.06%$40.36
02/27/202302/27/2023$0.4103.20%3.28%$49.99
11/29/202211/29/2022$0.4002.91%2.95%$54.23
08/30/202208/30/2022$0.4003.13%3.21%$49.82
05/27/202205/27/2022$0.3902.90%2.94%$53.04
02/25/202202/25/2022$0.3903.11%3.19%$48.88
11/29/202111/29/2021$0.3803.10%3.15%$48.32
08/30/202108/30/2021$0.3803.20%3.29%$46.25
05/27/202105/27/2021$0.3703.35%3.39%$43.60
02/25/202102/25/2021$0.3703.41%3.48%$42.51
11/27/202011/27/2020$0.3603.61%3.61%$39.87
08/28/202008/28/2020$0.3603.82%3.85%$37.45
05/28/202005/28/2020$0.3604.21%4.30%$33.48
02/27/202002/27/2020$0.3603.07%3.18%$45.30
11/27/201911/27/2019$0.3502.80%2.86%$48.97
08/29/201908/29/2019$0.3403.02%3.04%$44.70
05/30/201905/30/2019$0.3403.08%3.13%$43.49
02/27/201902/27/2019$0.3403.08%3.15%$43.20
11/29/201811/29/2018$0.3303.09%3.12%$42.35
08/30/201808/30/2018$0.3302.86%2.90%$45.48
05/30/201805/30/2018$0.3302.67%2.73%$48.32
02/27/201802/27/2018$0.3203.01%3.03%$42.25
11/29/201711/29/2017$0.3202.55%2.59%$49.42
08/29/201708/29/2017$0.3203.07%3.14%$40.78
05/26/201705/26/2017$0.3103.10%3.10%$39.99
02/24/201702/24/2017$0.3102.85%2.85%$43.55
11/28/201611/28/2016$0.3102.77%2.77%$44.69
08/29/201608/29/2016$0.3103.18%3.18%$39.03
05/26/201605/26/2016$0.3103.37%3.37%$36.84
02/25/201602/25/2016$0.3103.51%3.51%$35.32
11/25/201511/25/2015$0.3103.10%3.10%$39.99
08/27/201508/27/2015$0.3103.45%3.45%$35.96
05/27/201505/27/2015$0.3103.20%3.20%$38.70
02/25/201502/25/2015$0.3102.99%2.99%$41.52
11/25/201411/25/2014$0.3102.59%2.59%$47.87
08/27/201408/27/2014$0.3102.30%2.46%$50.40
05/28/201405/28/2014$0.3102.20%2.53%$49.05
02/26/201402/26/2014$0.3102.56%3.18%$39.00
10/29/201310/29/2013$0.2302.56%2.56%$36.00
07/29/201307/29/2013$0.2302.68%2.71%$34.00
04/26/201304/26/2013$0.2302.65%2.71%$34.00
01/29/201301/29/2013$0.2302.88%3.01%$30.55
10/31/201210/31/2012$0.2202.77%2.84%$31.00
07/27/201207/27/2012$0.2202.90%3.03%$29.00
04/26/201204/26/2012$0.2102.90%2.97%$28.29
01/27/201201/27/2012$0.2102.95%3.05%$27.50
10/27/201110/27/2011$0.2002.89%2.89%$27.65
07/27/201107/27/2011$0.2002.95%2.95%$27.15
04/27/201104/27/2011$0.2003.13%3.13%$25.60
01/27/201101/27/2011$0.2002.94%2.94%$27.20
10/27/201010/27/2010$0.2002.92%2.96%$27.05
07/28/201007/28/2010$0.2003.00%3.08%$26.00
04/28/201004/28/2010$0.2002.96%3.08%$26.00
01/27/201001/27/2010$0.1903.95%3.95%$19.25
10/28/200910/28/2009$0.1904.52%4.52%$16.80
07/29/200907/29/2009$0.1904.51%4.51%$16.85
04/28/200904/28/2009$0.1904.44%4.44%$17.10
01/28/200901/28/2009$0.1904.41%4.41%$17.25
10/29/200810/29/2008$0.1903.80%3.80%$20.00
07/29/200807/29/2008$0.1903.30%3.30%$23.00
04/28/200804/28/2008$0.1903.22%3.22%$23.60
01/29/200801/29/2008$0.1903.17%3.17%$24.00
10/29/200710/29/2007$0.1902.76%2.76%$27.50
08/01/200708/01/2007$0.1902.70%2.70%$28.10
04/26/200704/26/2007$0.1902.72%2.72%$27.90
01/29/200701/29/2007$0.1903.00%3.00%$25.35
10/27/200610/27/2006$0.1902.87%2.87%$26.50
07/27/200607/27/2006$0.1902.72%2.72%$27.95
04/26/200604/26/2006$0.1902.63%2.63%$28.90
01/27/200601/27/2006$0.1902.49%2.49%$30.50
10/26/200510/26/2005$0.1904.98%2.41%$31.50
07/27/200507/27/2005$0.1904.91%2.38%$32.00
04/27/200504/27/2005$0.1904.72%2.29%$33.25
04/13/200504/13/2005$1.004.62%11.85%$33.75
01/26/200501/26/2005$0.1901.95%2.00%$38.00
10/27/200410/27/2004$0.1902.06%2.14%$35.50
07/28/200407/28/2004$0.1802.06%2.09%$34.50
04/28/200404/28/2004$0.1801.82%1.89%$38.00
01/28/200401/28/2004$0.1801.94%2.08%$34.57
10/29/200310/29/2003$0.1702.03%2.13%$32.00
07/29/200307/29/2003$0.1601.98%2.00%$32.00
04/28/200304/28/2003$0.1602.45%2.53%$25.33
01/29/200301/29/2003$0.1602.30%3.20%$20.01
10/29/200210/29/2002$0.1531.58%3.23%$19.00
07/29/200207/29/2002$0.1470.80%3.20%$18.33
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Dividend Payout Ratio

Tracks the percentage of earnings paid out as dividends each quarter. Lower and stable ratios often indicate safer, more sustainable payouts.

Payout Ratio

Dividend to Free Cash Flow Ratio

Shows dividends as a percentage of free cash flow. Consistently high values may signal limited reinvestment capacity or potential dividend risk.

Dividend/FCF Ratio

Share Price

Historical closing price with range controls. Table view includes quarter‑over‑quarter and year‑over‑year changes for additional context.

PFIS Price

Price to Earnings

PFIS trades at a 40.8x price-to-earnings ratio. This elevated valuation suggests investors expect strong future growth.

Price to Sales

PFIS trades at a 10.4x price-to-sales ratio, providing insight into market valuation relative to revenue generation.

Revenue

PFIS generated $0.0B in revenue. Revenue has grown by 74% over the period.

Net Income

PFIS reported $0.0B in net income. Net income has grown by 26% over the period.

Revenue vs Net Income

PFIS generated $0.0B in revenue with net income of $0.0B, representing a 25.6% net profit margin.

Gross Profit

PFIS achieved $0.0B in gross profit, showing revenue after direct production costs.

Operating Income

PFIS generated $0.0B in operating income, representing profit from core business operations.

EBITDA

PFIS generated $0.0B in EBITDA, measuring operational profitability before interest, taxes, depreciation, and amortization.

Operating Cash Flow

PFIS generated $0.0B in operating cash flow, demonstrating the company’s ability to convert earnings into cash.

Free Cash Flow

PFIS generated $0.0B in free cash flow. Free cash flow has increased by 21% over the period.

Free Cash Flow / Share

PFIS generates $1.21 in free cash flow per share. FCF per share has grown by 21% over the period.

Earnings Per Share (EPS)

PFIS reported $1.20 in earnings per share. EPS has grown by 26% over the period.

Return on Equity (ROE)

PFIS delivered a 21.3% return on equity, indicating how effectively the company generates returns for shareholders.

Return on Assets (ROA)

PFIS achieved a 12.8% return on assets, measuring how efficiently the company uses its assets to generate profit.

Net Profit Margin

PFIS maintains a 25.6% net profit margin, showing the percentage of revenue retained as profit after all expenses.

Gross Profit Margin

PFIS operates with a 77.2% gross profit margin, reflecting pricing power and cost efficiency in core operations.

Cash & Debt

PFIS holds $0.0B in cash against $0.0B in debt, resulting in a net cash position of $0.0B.

Shares Outstanding

PFIS has 0.0B shares outstanding.

Stock-Based Comp

PFIS reported $0.0B in stock-based compensation. Over the period, stock-based compensation has increased by 74%.

FCF vs Stock Based Comp

PFIS generated $0.0B in free cash flow while spending $0.0B on stock-based compensation, representing 10% of FCF.

FCF vs FCF / Share

PFIS reported $0.0B in free cash flow, translating to $1.21 per share.

Revenue: Actual + Estimates

This chart tracks PFIS revenue: actual + estimates metrics over time, providing insights into the company’s financial performance and trends.

EPS: Actual + Estimates

This chart tracks PFIS eps: actual + estimates metrics over time, providing insights into the company’s financial performance and trends.

Net Income: Actual + Estimates

This chart tracks PFIS net income: actual + estimates metrics over time, providing insights into the company’s financial performance and trends.

EBITDA: Actual + Estimates

This chart tracks PFIS ebitda: actual + estimates metrics over time, providing insights into the company’s financial performance and trends.

About Peoples Financial Services Corp

Peoples Financial Services Corp. operates as the bank holding company for Peoples Security Bank and Trust Company that provides commercial and retail banking services in Pennsylvania, New Jersey and New York. The company accepts deposits through money market,

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Disclaimer: The information on this page is for educational and entertainment purposes only and does not constitute financial advice. Do your own research and consult a qualified financial advisor before making investment decisions. Data sources include Yahoo Finance and other third-party providers and may contain errors or delays.

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