Accepts various deposit accounts, including money market, NOW, and savings accounts. Provides residential real estate, automobile, and personal loans. Now — the numbers.
That much dependence is a risk in itself: if this one line weakens, the whole company feels it directly.
This is an established company with proven profits.
Average growth of 27% a year over the last 4 years. Every year shown ended in profit.
The market pays 12.2× for every dollar of annual profit — cheap, which is either an opportunity or a warning.
Against companies in its own sector, it looks cheaper than 90% of them.
Analysts' average target sits 22% below today's price.
Executives buying with their own money is usually read as confidence in the company’s future.
The stock trades near its peak today. For long-term holders the ride has paid off so far — though past performance guarantees nothing about the future.
The net profit margin is 21% — the profit kept from each dollar of revenue is the company’s cushion in hard quarters.
Over the last 4 years, sales grew about 27% a year on average.
Over the last 12 months, company executives reported 41 buys and 31 sells. Management buying with its own money is usually read as a good sign.
The stock trades 22% above the average analyst price target.
The balance sheet offers little cushion against a rough stretch. Report-card grade: 34/100.
On our five-subject report card, PFIS sits near the top of the class. A high grade doesn’t mean “guaranteed win” — it means “the evidence looks strong for now.”
The takeaway: PFIS is an established business that has proven its profits for years. The real debate here isn’t the price — it’s whether the company can keep up this pace.
The total grade weighs these five subjects against the sector — it isn’t a simple average of the five.