DDM Analysis: PFIS

Valuation Snapshot

Stable Growth	$156.68 - $617.78	$266.39
Multi-Stage	$100.10 - $109.31	$104.62
Blended Fair Value	$185.50
Current Price	$48.61
Upside	281.62%
Decision	Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
DPS	12.30%	6.81%	1.80	1.16	1.13	1.07	1.04	1.01	0.96	0.93	0.91	0.93
YoY Growth	-	-	55.18%	2.95%	4.94%	2.61%	3.82%	4.52%	4.01%	1.62%	-1.60%	-0.44%
Dividend Yield	-	-	4.04%	2.81%	2.60%	2.12%	2.47%	2.53%	2.12%	2.03%	2.18%	2.49%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)

Net Income To Common (M)	53.30
(-) Cash Dividends Paid (M)	24.63
(=) Cash Retained (M)	28.67

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	10.66	6.66	4.00
Cash Retained (M)	28.67	28.67	28.67
(-) Cash Required (M)	-10.66	-6.66	-4.00
(=) Excess Retained (M)	18.01	22.00	24.67
(/) Shares Outstanding (M)	10.07	10.07	10.07
(=) Excess Retained per Share	1.79	2.19	2.45
LTM Dividend per Share	2.45	2.45	2.45
(+) Excess Retained per Share	1.79	2.19	2.45
(=) Adjusted Dividend	4.24	4.63	4.90
WACC / Discount Rate	8.35%	8.35%	8.35%
Growth Rate	5.50%	6.50%	7.50%
Fair Value	$156.68	$266.39	$617.78
Upside / Downside	222.32%	448.01%	1,170.89%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	53.30	56.76	60.45	64.38	68.57	73.02	75.21
Payout Ratio	46.22%	54.97%	63.73%	72.49%	81.24%	90.00%	92.50%
Projected Dividends (M)	24.63	31.20	38.53	46.67	55.71	65.72	69.57

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	8.35%	8.35%	8.35%
Growth Rate	5.50%	6.50%	7.50%
Year 1 PV (M)	28.53	28.80	29.07
Year 2 PV (M)	32.20	32.82	33.43
Year 3 PV (M)	35.66	36.69	37.73
Year 4 PV (M)	38.92	40.42	41.95
Year 5 PV (M)	41.98	44.01	46.11
PV of Terminal Value (M)	830.28	870.38	912.02
Equity Value (M)	1,007.57	1,053.10	1,100.32
Shares Outstanding (M)	10.07	10.07	10.07
Fair Value	$100.10	$104.62	$109.31
Upside / Downside	105.92%	115.23%	124.88%

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Peoples Financial Services Corp. (PFIS)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

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