PFIS vs VEL

Comparison between Peoples Financial Services Corp (PFIS, Company) and Velocity Financial Inc (VEL, Company).

Both PFIS and VEL are from the Financial Services sector.

5-Year PerformancePFIS has outperformed VEL, delivering a return of +14.5% compared to +5.8%

PFIS vs VEL - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	PFIS(COMPANY)	VEL(COMPANY)
Market Cap	$678M	$677M
Max Drawdown	58.13%	83.13%
Sharpe Ratio	1.26	-0.08
5Y Beta	0.83	0.33
Industry	Banks - Regional	Mortgage Finance
P/E Ratio	11.49	17.40
Forward P/E	15.08	N/A
PEG Ratio	0.06	0.32
Dividend Yield	3.61%	N/A
5Y Dividends CAGR	16.27%	N/A
5Y EPS CAGR	13.81%	11.42%
Debt to Equity	34.12%	0.00%
Free Cash Flow Yield	6.08%	3.91%
P/S Ratio	3.51	2.49
P/B Ratio	1.27	0.99

Market Cap

Winner

PFIS

$678M

VEL

$677M

Max Drawdown

Winner

PFIS

58.13%

VEL

83.13%

Sharpe Ratio

Winner

PFIS

1.26

VEL

-0.08

5Y Beta

PFIS

0.83

Winner

VEL

0.33

Industry

PFIS

Banks - Regional

VEL

Mortgage Finance

P/E Ratio

Winner

PFIS

11.49

VEL

17.40

Forward P/E

PFIS

15.08

VEL

N/A

PEG Ratio

Winner

PFIS

0.06

VEL

0.32

Dividend Yield

PFIS

3.61%

VEL

N/A

5Y Dividends CAGR

PFIS

16.27%

VEL

N/A

5Y EPS CAGR

Winner

PFIS

13.81%

VEL

11.42%

Debt to Equity

PFIS

34.12%

Winner

VEL

0.00%

Free Cash Flow Yield

Winner

PFIS

6.08%

VEL

3.91%

P/S Ratio

PFIS

3.51

Winner

VEL

2.49

P/B Ratio

PFIS

1.27

Winner

VEL

0.99

PFIS vs VEL - Historical Returns

Returns include dividend reinvestment.

Period	PFIS	VEL
1 month	+10.11%	-1.15%
3 months	+22.62%	-11.40%
6 months	+34.60%	-12.03%
1 year	+39.15%	-2.61%
5 years(CAGR)	+14.46%	+5.78%
10 years(CAGR)	+9.74%	N/A
Max(CAGR)	+9.17%	+3.76%

Winner

PFIS

+10.11%

VEL

-1.15%

Winner

PFIS

+22.62%

VEL

-11.40%

Winner

PFIS

+34.60%

VEL

-12.03%

Winner

PFIS

+39.15%

VEL

-2.61%

5Y(CAGR)

Winner

PFIS

+14.46%

VEL

+5.78%

10Y(CAGR)

PFIS

+9.74%

VEL

N/A

Max(CAGR)

Winner

PFIS

+9.17%

VEL

+3.76%

PFIS vs VEL - Annual Returns (2002 - 2026)

Returns include dividend reinvestment.

Year	PFIS	VEL
2026	+46.53%	-12.08%
2025	+3.72%	+8.58%
2024	+9.70%	+20.22%
2023	-0.56%	+81.26%
2022	+2.32%	-28.94%
2021	+49.02%	+123.56%
2020	-23.85%	-53.89%
2019	+16.13%	N/A
2018	-0.50%	N/A
2017	-1.59%	N/A
2016	+36.37%	N/A
2015	-19.45%	N/A
2014	+34.82%	N/A
2013	+28.05%	N/A
2012	+10.43%	N/A
2011	+9.40%	N/A
2010	+52.24%	N/A
2009	+2.00%	N/A
2008	-27.26%	N/A
2007	+4.01%	N/A
2006	-14.96%	N/A
2005	-17.33%	N/A
2004	+20.08%	N/A
2003	+74.17%	N/A
2002	+10.89%	N/A

PFIS vs VEL Drawdown Comparison

The maximum drawdown for PFIS was -51.83%, occurring on Jan 27, 2009. Recovery took 1920 trading sessions.

The maximum drawdown for VEL was -83.13%, occurring on Apr 3, 2020. Recovery took 941 trading sessions.

The current PFIS drawdown is -1.44%. The current VEL drawdown is -17.24%.

Rank	PFIS	VEL
#1	-51.83% Dec 31, 2004 - Aug 15, 2012	-83.13% Feb 20, 2020 - Nov 14, 2023
#2	-42.95% Dec 20, 2019 - Dec 17, 2021	-22.09% Nov 14, 2023 - Mar 18, 2024
#3	-37.46% Nov 10, 2022 - Nov 6, 2024	-21.48% Dec 16, 2024 - May 9, 2025
#4	-34.54% Jun 25, 2014 - Dec 20, 2016	-13.14% Mar 21, 2024 - May 31, 2024
#5	-29.13% Nov 25, 2024 - Feb 4, 2026	-6.83% Jul 16, 2024 - Sep 5, 2024
#6	-22.04% Jun 18, 2018 - Nov 1, 2019	-5.08% Sep 19, 2024 - Nov 12, 2024
#7	-20.39% Dec 29, 2016 - Sep 27, 2017	-4.07% Jun 5, 2024 - Jul 11, 2024
#8	-19.11% Dec 18, 2017 - Jun 15, 2018	-3.51% Mar 18, 2024 - Mar 21, 2024
#9	-17.15% Jun 27, 2022 - Nov 7, 2022	-3.33% Jan 21, 2020 - Jan 29, 2020
#10	-16.04% Jun 4, 2013 - Dec 24, 2013	-3.30% Jan 30, 2020 - Feb 12, 2020
#11	-14.86% Sep 4, 2003 - Feb 6, 2004	-2.21% Nov 12, 2024 - Nov 25, 2024
#12	-13.16% Apr 28, 2004 - Dec 30, 2004	-0.97% Dec 4, 2024 - Dec 11, 2024
#13	-12.24% Feb 19, 2004 - Apr 28, 2004	-0.97% Dec 11, 2024 - Dec 16, 2024
#14	-11.95% Dec 27, 2021 - May 26, 2022	-0.69% Feb 13, 2020 - Feb 20, 2020
#15	-10.37% Feb 17, 2026 - Apr 8, 2026	-0.54% May 31, 2024 - Jun 4, 2024