Is PEOPLES FINANCIAL SERVICES CORP. (PFIS) Halal?
Shariah Screening — 5 Standards
Based on financial data from December 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| DJIM | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| MSCI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| S&P | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| FTSE | Excluded — Banks - Regional | ✗ NOT HALAL | |||
Financial Highlights
Profitability
| Gross Margin | 0.0% | |
| Operating Margin | 42.2% | |
| Net Margin | 31.6% | |
| Return on Equity (ROE) | 12.0% | |
| Return on Assets (ROA) | 1.1% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $54M |
| Free Cash Flow | $43M |
| Total Debt | $258M |
| Total Assets | $5.3B |
Price & Trading
| Last Close | $52.78 |
| 50-Day MA | $53.41 |
| 200-Day MA | $50.52 |
| Avg Volume | 29K |
| Beta | 0.8 |
|
52-Week Range
$38.90
| |
About PEOPLES FINANCIAL SERVICES CORP. (PFIS)
Peoples Financial Services Corp. provides commercial and retail banking services in Pennsylvania, New Jersey and New York. The company accepts deposits through money market, negotiable order of withdrawal, savings, individual retirement, demand deposit, and certificates of deposit accounts. It also provides residential real estate, automobile, manufactured housing, personal, and home equity loans; and commercial real estate and working capital, as well as loans for equipment and other commercial needs. In addition, the company offers fiduciary and investment services, including investment management, IRA trustee, estate administration, living and life insurance trust, trustee under will, guardianship, custodial/IRA custodial, and corporate trust services, as well as pension and profit-sharing plans. Further, it provides wealth management products and services comprising investment portfolio management, estate and business succession planning, annuities, insurance, retirement plan, and tax planning, as well as education funding strategies; and securities, brokerage, and investor services. Additionally, the company offers remote deposit capture, automatic clearing house transaction, cash management, automated teller machine, point of sale transaction, safe deposit box, night depository, direct deposit, and official check services. It serves business, non-profit, governmental, municipal agency, and professional customers, as well as retail customers. The company was founded in 1905 and is headquartered in Moosic, Pennsylvania.
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Frequently Asked Questions
Is PEOPLES FINANCIAL SERVICES CORP. (PFIS) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), PEOPLES FINANCIAL SERVICES CORP. is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is PEOPLES FINANCIAL SERVICES CORP.'s debt ratio?
PEOPLES FINANCIAL SERVICES CORP.'s debt ratio is not available under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%.
What are PEOPLES FINANCIAL SERVICES CORP.'s key financial metrics?
PEOPLES FINANCIAL SERVICES CORP. has a market capitalization of $529M, trailing P/E ratio of 9.0, and revenue of $188M. Return on equity stands at 12.0%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.