PFIS PEER ANALYSIS

Peoples Fin — metric-by-metric comparison with peers and the industry median

PFISPeoples Fin

🇺🇸 USA · NASDAQ · Financial Services · Banks - Regional

Value it Duel

Overall Profile & Returns

· Banks - Regional

Position Within Industry

0 = weak quartile, 100 = strong quartile

PFISIndustry median

Scores normalize each metric against industry quartiles (p25–p75); direction is inverted for lower-is-better metrics.

Return Comparison

1-Year

Split-adjusted

Year-to-Date (YTD)

Key Metric Comparison

P/E

Lower is better

ROE

Higher is better

Net Margin

Higher is better

Revenue Growth

Higher is better

All Metrics

Valuation
Metric	PFIS	TSKB	NWG	LLOY	SKBNK	ICBCT	Ind. Median
P/E	11.48	2.96●	9.21	13.42	20.06	15.65	12.96
P/B	1.29	0.71●	1.41	1.41	3.18	3.99	1.29
EV/EBITDA	11.21	2.21	-8.40	14.85	1.78	-9.21●	9.32
P/S	—	—	—	—	—	—	—

Financial Health
Metric	PFIS	TSKB	NWG	LLOY	SKBNK	ICBCT	Ind. Median
Current Ratio	0.43●	—	0.25	0.12	—	—	0.31
Debt/Equity	59.8%	0.0%●	17.0%	209.8%	0.0%●	0.0%●	38.0%
NetDebt/EBITDA	3.07	-0.47	-14.68	5.39	-13.41	-20.34●	-0.58

Profitability
Metric	PFIS	TSKB	NWG	LLOY	SKBNK	ICBCT	Ind. Median
Net Margin	20.7%	54.9%●	20.1%	25.9%	14.2%	24.7%	20.6%
ROE	11.7%	27.4%	14.9%	10.6%	17.5%	28.9%●	10.9%
ROA	1.1%	3.7%●	0.8%	0.5%	1.2%	1.1%	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	PFIS	TSKB	NWG	LLOY	SKBNK	ICBCT	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	194.0%●	-1.3%	16.0%	16.2%	8.1%	—	19.4%
Div. Yield	3.6%	—	4.8%●	3.2%	—	—	2.5%
Payout	42.0%	—	—	—	—	—	31.4%

Valuation
Metric	PFIS	AROW	WASH	FMNB	TCBX	HIFS	Ind. Median
P/E	11.48	13.25	13.13	11.24	9.59●	13.29	12.96
P/B	1.29	1.54	1.26	0.84●	1.02	1.38	1.29
EV/EBITDA	11.21	9.74	18.18	13.88	0.92●	30.57	9.32
P/S	—	—	—	—	—	—	—

Financial Health
Metric	PFIS	AROW	WASH	FMNB	TCBX	HIFS	Ind. Median
Current Ratio	0.43	25.33	—	0.11	0.13	70.28●	0.31
Debt/Equity	59.8%	7.8%●	116.6%	58.2%	24.2%	292.9%	38.0%
NetDebt/EBITDA	3.07	0.07	8.42	5.38	-6.27●	20.74	-0.58

Profitability
Metric	PFIS	AROW	WASH	FMNB	TCBX	HIFS	Ind. Median
Net Margin	20.7%	20.7%	13.9%	20.2%	18.0%	22.1%●	20.6%
ROE	11.7%	12.1%	9.9%	9.6%	12.2%●	10.9%	10.9%
ROA	1.1%	1.1%	0.8%	0.9%	1.2%●	1.1%	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	PFIS	AROW	WASH	FMNB	TCBX	HIFS	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	194.0%●	80.3%	—	18.6%	35.7%	76.7%	19.4%
Div. Yield	3.6%	2.8%	6.1%●	4.6%	0.7%	0.8%	2.5%
Payout	42.0%	37.5%	82.1%	44.5%	6.9%	14.0%	31.4%

The green dot marks the best value in the group given the metric direction (higher/lower is better). All metrics use trailing-twelve-month (TTM) data.

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Data on this page refreshes once per day. Price data as of Jul 6, 26. This content is for informational purposes only and is not investment advice.