Peoples Financial Services Corp.
PFISHIGH VELOCITYFILING INTENSITYPeoples Financial Services Corp. reads as an High Velocity (composite 70/100); Selective Buyer deploying $267M across 1 disclosed transactions, newly disclosed vs the prior cycle · primary market Regional Banking.
Lens
Disclosed M&A capital (2023–2025)
$267M
vs N/A in 2020–2022
Disclosed transactions
1
2/3 active fiscal years in window
Buyer archetype
Selective Buyer
Acquisition use is visible but targeted.
Composite score
70
High Velocity dominates · Filing Intensity
Behavioral posture, nine reads.
Each index scores the issuer 0–100 against an EDGAR-anchored definition. Scores ≥ threshold elevate the issuer into the index's constituent set; the dominant index drives the masthead label.
Active Acquirer
Companies actively deploying disclosed capital into M&A
- $267M disclosed buyer spend
Buyer Cadence
Buyer-side companies with recent filing activity
- Filed within 32d
- 268 8-Ks
Target Probability
Issuers showing target-side patterns from filings
Spin/Carve
Issuers showing spin-off, carve-out, or sum-of-parts posture
- 2 spin pre-registrations
- Latest event 28y ago; heavily discounted
Pressure Watch
Issuers facing activism, governance, or control pressure
Distress Watch
Issuers showing financial-distress filing patterns
Restatement Risk
Issuers with accounting-integrity flags from filings
- 2 auditor changes
- 2 NT late filings
- Latest event 1.2y ago
Capital Velocity
DominantIssuers with the highest filing-activity intensity
- 268 8-Ks
- 4 form types
Quiet Power
Large issuers with low signal volume and clean disclosure cadence
- Enterprise value $848M
- 10-Q 32d ago
- 4 active signals
Capital cadence.
Ten-year disclosed M&A activity. Bars show spend ($MM); ticks show recorded transaction count. Disclosure tier annotated where v6 audited corpus carries an entry.
Disclosed spend $MM Disclosed transactions (right axis)Peak spend year: $134M · Peak count: 1
| FY | Disclosed buys | Disclosed spend | Avg ticket | Audited tier |
|---|---|---|---|---|
| 2025 | N/A | $134M | N/A | N/A |
| 2024 | 1 | $134M | $134M | N/A |
| 2023 | N/A | N/A | N/A | N/A |
| 2022 | N/A | N/A | N/A | N/A |
| 2021 | N/A | N/A | N/A | N/A |
| 2020 | N/A | N/A | N/A | N/A |
Strategy posture.
The buyer's playbook in terms of strategic archetype: what each disclosed move says about how they're deploying capital.
Archetype mix
- Horizontal Consolidation50%
- Geographic Expansion50%
Strategy keywords
Terms recurring across recent 10-K acquisition disclosures.
- horizontal_consolidation
- geographic_expansion
Filing language.
Direct excerpts from acquisition disclosures and strategy sections: the verbs the buyer chose, in the filings they signed.
“With consolidation continuing in the financial industry, and particularly in our market area, community banks like us are gaining opportunities and market share as larger institutions reduce their emphasis on or exit our market area.”
“Consolidation within the financial services industry, and particularly in our market area, could provide community banks like us opportunities to increase market share.”
“In addition, our success has been, and will continue to be, a result of our emphasis on community involvement and customer relationships.”
“We believe that our most significant competitive advantage originates from our business philosophy which includes offering direct access to senior management and other officers and providing friendly, informed and courteous service, local and timely decision making, flexible and reasonable operating procedures and consistently applied credit policies.”
Market context.
Where this issuer sits inside its SE-Cluster rollup wedge, with disclosed-spend rank plus trading comparables against the public peer set.
Primary market
Regional Banking
- Market spend (2023–2025)
- $245.7B
- Market spend (2020–2022)
- $72.8B
- Recent vs prior
- +238%
- Issuer rank in market
- N/A
- Share of market capital
- 0.0%
Valuation positioning
PFIS trades at a -1.4-turn discount to the Regional Banking peer median of 12.3×.
- EV / Revenue
- 3.0×
- Net debt / EBITDA
- -1.9×
- Peer median EV / EBITDA
- 12.3×
Trading comparables
FMP market data · 2026-05-10
| Company | EV / EBITDA | EV / Rev | Net debt / EBITDA | Revenue | M&A 2023–2025 |
|---|---|---|---|---|---|
| 16.7× | 3.7× | -0.9× | $13.7B | $12.7B | |
| 13.9× | 3.0× | -0.7× | $58.4B | $126.1B | |
Peoples Financial Services Corp.PFIS | 10.9× | 3.0× | -1.9× | $285M | $267M |
| 10.7× | 3.2× | -2.1× | $3.4B | $7B | |
| 9.3× | 2.2× | -0.3× | $14.5B | $72.6B |
Trading multiples from FMP market data; disclosed M&A spend from the SE-Cluster EDGAR 10-K corpus. Peer set = top disclosed buyers in Regional Banking. Bars scaled to the highest EV/EBITDA in the set.
Target landscape.
Public-issuer targets that fit this buyer's archetype and target categories from filing-derived signal. Scores reflect cross-signal fit; reasons cite the EDGAR-anchored facts that drove the match.
No qualifying public-issuer targets surfaced from the current signal mix.
Stated target categories
No target categories enumerated in the audited corpus for this issuer.
Filing activity & signal stream.
Filing cadence and event-driven signals visible on EDGAR. The signal stream below is curated from restatement / spin-carve / activism categories, providing context for any near-term call.
Filing cadence
- 10-K (annual)292026-03-16
- 10-Q (quarterly)842026-05-08
- 8-K (event)2682026-04-30
- Proxy / DEF 14A312026-04-10
- Activism (13D / DFAN / PREC)0N/A
Signals on file
- elevated
Auditor change
2017-04-032 Item 4.01 filings on file; certifying accountant change.
- watch
Late-filing notice
2025-03-182 NT 10-K/10-Q filings on file.
- elevated
Spin registration
1998-06-032 Form 10-12 filings on file; pre-spin registration.
- info
Signal
Serial acquisition history
- info
Signal
10-K strategy themes
- info
Signal
Spin/Carve candidate
Audited corpus.
No audited record on file for this CIK in the current v6 corpus.
This issuer has not been extracted into the v6 audited acquirer corpus yet. The brief above pulls from ranking-level aggregates and issuer-index signal only.