Peoples Financial Services (NASDAQ:PFIS) and Professional (NASDAQ:PFHD) Financial Review



Village Financial Services (NASDAQ:PFISget rating) and professional (NASDAQ:PFHDget rating) are both small-cap finance companies, but which is the superior business? We will compare the two businesses based on the strength of their profitability, analyst recommendations, dividends, risk, earnings, valuation and institutional ownership.

Cost effectiveness

This table compares the net margins, return on equity, and return on assets of Peoples Financial Services and Professional.

net margins Return on equity Return on assets
Peoples Financial Services 36.18% 10.38% 1.05%
Professional 21.78% 9.45% 0.80%

Risk and Volatility

Peoples Financial Services has a beta of 0.21, meaning its share price is 79% less volatile than the S&P 500. Comparatively, Professional has a beta of 0.01, meaning its share price is 79% less volatile than the S&P 500. stock is 99% less volatile than the S&P 500.

Internal and institutional ownership

29.3% of Peoples Financial Services shares are held by institutional investors. Comparatively, 59.8% of Professional shares are held by institutional investors. 3.3% of Peoples Financial Services shares are held by insiders of the company. Comparatively, 8.6% of Professional’s shares are held by company insiders. Strong institutional ownership is an indication that large fund managers, hedge funds and endowments believe a company will outperform the market in the long run.

Earnings and Valuation

This table compares Peoples Financial Services and Professional’s gross receipts, earnings per share, and valuation.

Gross income Price/Sales Ratio Net income earnings per share Rate of earnings on price
Peoples Financial Services $119.69 million 3.07 $43.52 million $6.05 8.47
Professional $85.81 million 3.46 $21.36 million $1.36 15.86

Peoples Financial Services has higher revenue and earnings than Professional. Peoples Financial Services trades at a lower price-earnings ratio than Professional, indicating that it is currently the more affordable of the two stocks.

Analyst Ratings

This is a breakdown of Peoples Financial Services and Professional’s recent ratings and target prices, provided by MarketBeat.com.

sales ratings retention ratings Buy grades Strong purchase ratings Rating Score
Peoples Financial Services 0 0 1 0 3.00
Professional 0 1 1 0 2.50

Peoples Financial Services currently has a consensus price target of $57.00, which suggests 11.24% upside potential. Professional has a consensus price target of $23.00, suggesting 6.63% upside potential. Given Peoples Financial Services’ stronger consensus rating and higher upside probability, equity research analysts clearly believe that Peoples Financial Services is more favorable than Professional.

Summary

Peoples Financial Services outperforms Professional in 9 of 13 factors compared between the two stocks.

About Peoples Financial Services (get rating)

Peoples Financial Services Corp. operates as the bank holding company for Peoples Security Bank and Trust Company which provides a variety of retail and commercial banking services. The company accepts money market accounts, NOW, savings, individual withdrawal, demand deposit and certificates of deposit. Also provides residential real estate, auto, manufactured home, personal, and home equity loans; and commercial real estate, working capital, construction, small business management, and agricultural loans, as well as loans for equipment and other business needs, and mining rights. In addition, the company offers investment management, IRA trustee, estate management, life and life insurance trust, probate trustee, guardianship, IRA custody/custody, and corporate trust services, as well as pension and share plans. the earnings. In addition, it provides investment portfolio management, business and estate planning, annuities, insurance, retirement planning and tax planning, as well as education financing strategies; and securities and brokerage, and investor services. In addition, the company offers business checking and money market accounts for small businesses, online and telephone banking, business credit cards, business line of credit, and financial verification services; and remote deposit capture, automated clearinghouse transactions, cash management, ATMs, point-of-sale transactions, safe deposit boxes, night deposits, direct deposits, and official check services. Serves business, non-profit, government, municipal agency and professional clients, as well as retail customers through 28 full-service community banking offices located in Allegheny, Bucks, Lackawanna, Lebanon, Lehigh, Luzerne, Monroe, Montgomery , Northampton, Susquehanna and Wyoming counties of Pennsylvania; Middlesex County of New Jersey; and New York’s Broome County. The company was founded in 1905 and is headquartered in Scranton, Pennsylvania.

About Professional (get rating)

professional logoProfessional Holding Corp. operates primarily through its subsidiary, Professional Bank, providing banking products and services to small and medium-sized businesses, other professionals and entrepreneurs. Its deposit products include checking, NOW, savings and money market accounts, as well as IRAs and certificates of deposit. The company’s loan products include business loans, residential mortgage loans, home equity lines of credit, installment loans and consumer lines of credit. It also offers online/digital and mobile banking services, as well as cash management and treasury management services. The company operates through a network of eleven locations in the regional areas of Miami, Broward and Palm Beach counties, and also has a digital innovation center located in Cleveland, Ohio and a loan production office in St. Pete. , Florida, Jacksonville, and Bedford, New Hampshire. Professional Holding Corp. was founded in 2008 and is headquartered in Coral Gables, Florida.



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