Independent Bank (IBCP) vs Peoples Financial Services (PFIS)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 9, 2026.
Summary
Peoples Financial Services (PFIS) has outperformed Independent Bank (IBCP) over the past year, gaining 45.9% versus a gain of 14.8%. Over five years, IBCP leads with a +63.0% price change compared with +51.0% for PFIS. Independent Bank is the larger company by market cap ($736.7 million vs $691.4 million), about 1.1 times the size.
On valuation, Independent Bank trades at a lower forward P/E (9.2x vs 9.6x for Peoples Financial Services). Peoples Financial Services offers the higher dividend yield (3.60% vs 3.02%).
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | IBCP | PFIS |
|---|---|---|
| Share price | $35.76 | $69.07 |
| Market cap | $736.75M | $691.37M |
| 1-day change | +0.59% | +1.05% |
| YTD return | +9.93% | +41.79% |
| 1-year return | +14.80% | +45.89% |
| 5-year return | +62.99% | +50.96% |
| P/E ratio (TTM) | 10.37 | 12.22 |
| Forward P/E | 9.22 | 9.59 |
| EPS (TTM) | $3.45 | $5.65 |
| Dividend yield | 3.02% | 3.60% |
| Annual dividend | $1.08 | $2.49 |
| 52-week high | $39.24 | $73.37 |
| 52-week low | $29.83 | $43.64 |
| Distance from 52-week high | -8.87% | -5.87% |
| Analyst consensus | buy | none |
| Avg. price target upside | +12.42% | +6.42% |
| Average volume | 195.82K | 55.28K |
| Shares outstanding | 20.60M | 10.01M |
| Employees | 735 | 547 |
| Sector | Finance | Finance |
| Industry | Major Banks | Major Banks |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- PFIS has outperformed IBCP by 31.1 percentage points over the past year.
About Independent Bank
IBCP stock →Independent Bank Corporation operates as the bank holding company for Independent Bank that provides banking services in the United States. The company offers demand deposits, interest checking, money market accounts, savings accounts, and time certificates of deposit, including free checking accounts.
Finance · Major Banks · 735 employees
About Peoples Financial Services
PFIS stock →Peoples Financial Services Corp. operates as the bank holding company for Peoples Security Bank and Trust Company that provides commercial and retail banking services in Pennsylvania, New Jersey and New York.
Finance · Major Banks · 547 employees
IBCP vs PFIS FAQ
Which is bigger, Independent Bank or Peoples Financial Services?
Independent Bank (IBCP) is larger, with a market capitalization of $736.75M compared with $691.37M for Peoples Financial Services (PFIS).
Which stock has performed better over the past year, IBCP or PFIS?
PFIS returned +45.89% over the past 12 months, compared with +14.80% for IBCP (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, IBCP or PFIS?
IBCP has the lower trailing P/E at 10.4, versus 12.2 for PFIS. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Which pays a higher dividend, Independent Bank or Peoples Financial Services?
Peoples Financial Services has the higher yield at 3.60%, compared with 3.02% for Independent Bank.
Are Independent Bank and Peoples Financial Services in the same industry?
Yes. Both are classified in the Major Banks industry within the Finance sector.