FNLC
Price
$26.92
Change
-$0.11 (-0.41%)
Updated
Dec 24 closing price
Capitalization
302.02M
Intraday BUY SELL Signals
PFIS
Price
$49.97
Change
+$0.30 (+0.60%)
Updated
Dec 24 closing price
Capitalization
499.43M
28 days until earnings call
Intraday BUY SELL Signals
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FNLC vs PFIS

Header iconFNLC vs PFIS Comparison
Open Charts FNLC vs PFISBanner chart's image
First Ban
Price$26.92
Change-$0.11 (-0.41%)
Volume$9.19K
Capitalization302.02M
Peoples Financial Services
Price$49.97
Change+$0.30 (+0.60%)
Volume$15.4K
Capitalization499.43M
FNLC vs PFIS Comparison Chart in %
FNLC
Daily Signal:
Gain/Loss:
PFIS
Daily Signal:
Gain/Loss:
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VS
FNLC vs. PFIS commentary
Dec 26, 2025

To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is FNLC is a StrongBuy and PFIS is a Hold.

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COMPARISON
Comparison
Dec 26, 2025
Stock price -- (FNLC: $26.92 vs. PFIS: $49.97)
Brand notoriety: FNLC and PFIS are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: FNLC: 51% vs. PFIS: 65%
Market capitalization -- FNLC: $302.02M vs. PFIS: $499.43M
FNLC [@Regional Banks] is valued at $302.02M. PFIS’s [@Regional Banks] market capitalization is $499.43M. The market cap for tickers in the [@Regional Banks] industry ranges from $171.46B to $0. The average market capitalization across the [@Regional Banks] industry is $8.64B.

Long-Term Analysis

It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).

FNLC’s FA Score shows that 1 FA rating(s) are green whilePFIS’s FA Score has 1 green FA rating(s).

  • FNLC’s FA Score: 1 green, 4 red.
  • PFIS’s FA Score: 1 green, 4 red.
According to our system of comparison, FNLC is a better buy in the long-term than PFIS.

Short-Term Analysis

It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.

If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.

FNLC’s TA Score shows that 4 TA indicator(s) are bullish while PFIS’s TA Score has 6 bullish TA indicator(s).

  • FNLC’s TA Score: 4 bullish, 6 bearish.
  • PFIS’s TA Score: 6 bullish, 5 bearish.
According to our system of comparison, PFIS is a better buy in the short-term than FNLC.

Price Growth

FNLC (@Regional Banks) experienced а -4.84% price change this week, while PFIS (@Regional Banks) price change was -4.49% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was +0.01%. For the same industry, the average monthly price growth was +5.44%, and the average quarterly price growth was +15.56%.

Reported Earning Dates

PFIS is expected to report earnings on Jan 22, 2026.

Industries' Descriptions

@Regional Banks (+0.01% weekly)

Regional banks have a smaller reach than major banks, and cater mostly to one region of a country, such as a state or within a group of states. They offer services often similar – albeit with some limitations/smaller scale – compared to major banks. Taking deposits, making loans, mortgages, leases, credit cards , fund management, insurance and investment banking. SunTrust Banks, State Street Corp., M&T Bank Corp. are some examples of U.S. regional banks.

SUMMARIES
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FUNDAMENTALS
Fundamentals
PFIS($499M) has a higher market cap than FNLC($302M). FNLC (9.58) and PFIS (9.29) have similar P/E ratio . FNLC YTD gains are higher at: 4.142 vs. PFIS (1.319). PFIS has more cash in the bank: 60.1M vs. FNLC (27.4M). FNLC has less debt than PFIS: FNLC (95.5M) vs PFIS (305M). PFIS has higher revenues than FNLC: PFIS (185M) vs FNLC (91.1M).
FNLCPFISFNLC / PFIS
Capitalization302M499M61%
EBITDAN/AN/A-
Gain YTD4.1421.319314%
P/E Ratio9.589.29103%
Revenue91.1M185M49%
Total Cash27.4M60.1M46%
Total Debt95.5M305M31%
FUNDAMENTALS RATINGS
FNLC vs PFIS: Fundamental Ratings
FNLC
PFIS
OUTLOOK RATING
1..100
1584
VALUATION
overvalued / fair valued / undervalued
1..100
22
Undervalued
18
Undervalued
PROFIT vs RISK RATING
1..100
4849
SMR RATING
1..100
4634
PRICE GROWTH RATING
1..100
5056
P/E GROWTH RATING
1..100
74100
SEASONALITY SCORE
1..100
5050

Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.

PFIS's Valuation (18) in the Regional Banks industry is in the same range as FNLC (22). This means that PFIS’s stock grew similarly to FNLC’s over the last 12 months.

FNLC's Profit vs Risk Rating (48) in the Regional Banks industry is in the same range as PFIS (49). This means that FNLC’s stock grew similarly to PFIS’s over the last 12 months.

PFIS's SMR Rating (34) in the Regional Banks industry is in the same range as FNLC (46). This means that PFIS’s stock grew similarly to FNLC’s over the last 12 months.

FNLC's Price Growth Rating (50) in the Regional Banks industry is in the same range as PFIS (56). This means that FNLC’s stock grew similarly to PFIS’s over the last 12 months.

FNLC's P/E Growth Rating (74) in the Regional Banks industry is in the same range as PFIS (100). This means that FNLC’s stock grew similarly to PFIS’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
FNLCPFIS
RSI
ODDS (%)
Bearish Trend 2 days ago
87%
Bearish Trend 2 days ago
72%
Stochastic
ODDS (%)
Bearish Trend 2 days ago
52%
Bullish Trend 2 days ago
57%
Momentum
ODDS (%)
Bearish Trend 2 days ago
48%
Bearish Trend 2 days ago
52%
MACD
ODDS (%)
Bearish Trend 2 days ago
41%
Bearish Trend 2 days ago
58%
TrendWeek
ODDS (%)
Bearish Trend 2 days ago
50%
Bearish Trend 2 days ago
53%
TrendMonth
ODDS (%)
Bullish Trend 2 days ago
53%
Bullish Trend 2 days ago
60%
Advances
ODDS (%)
Bullish Trend 8 days ago
52%
Bullish Trend 11 days ago
59%
Declines
ODDS (%)
Bearish Trend 2 days ago
51%
Bearish Trend 3 days ago
55%
BollingerBands
ODDS (%)
Bearish Trend 2 days ago
68%
Bearish Trend 2 days ago
71%
Aroon
ODDS (%)
Bullish Trend 2 days ago
45%
Bullish Trend 2 days ago
52%
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FNLC
Daily Signal:
Gain/Loss:
PFIS
Daily Signal:
Gain/Loss:
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FNLC and

Correlation & Price change

A.I.dvisor indicates that over the last year, FNLC has been closely correlated with KRNY. These tickers have moved in lockstep 75% of the time. This A.I.-generated data suggests there is a high statistical probability that if FNLC jumps, then KRNY could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To FNLC
1D Price
Change %
FNLC100%
-0.41%
KRNY - FNLC
75%
Closely correlated
+0.92%
PFIS - FNLC
74%
Closely correlated
+0.60%
PKBK - FNLC
74%
Closely correlated
-0.20%
RBCAA - FNLC
74%
Closely correlated
+0.14%
PEBO - FNLC
73%
Closely correlated
-0.26%
More

PFIS and

Correlation & Price change

A.I.dvisor indicates that over the last year, PFIS has been closely correlated with TMP. These tickers have moved in lockstep 84% of the time. This A.I.-generated data suggests there is a high statistical probability that if PFIS jumps, then TMP could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To PFIS
1D Price
Change %
PFIS100%
+0.60%
TMP - PFIS
84%
Closely correlated
+0.27%
FMBH - PFIS
82%
Closely correlated
-0.72%
WSFS - PFIS
82%
Closely correlated
+0.11%
UVSP - PFIS
82%
Closely correlated
+0.09%
CTBI - PFIS
82%
Closely correlated
+0.10%
More