VEL vs PFIS

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

Both VEL and PFIS are from the Financial Services sector.

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

VEL vs PFIS - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

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

Market Cap

VEL

$677M

Winner

PFIS

$678M

Max Drawdown

VEL

83.13%

Winner

PFIS

58.13%

Sharpe Ratio

VEL

-0.08

Winner

PFIS

1.26

5Y Beta

Winner

VEL

0.33

PFIS

0.83

Industry

VEL

Mortgage Finance

PFIS

Banks - Regional

P/E Ratio

VEL

17.40

Winner

PFIS

11.49

Forward P/E

VEL

N/A

PFIS

15.08

PEG Ratio

VEL

0.32

Winner

PFIS

0.06

Dividend Yield

VEL

N/A

PFIS

3.61%

5Y Dividends CAGR

VEL

N/A

PFIS

16.27%

5Y EPS CAGR

VEL

11.42%

Winner

PFIS

13.81%

Debt to Equity

Winner

VEL

0.00%

PFIS

34.12%

Free Cash Flow Yield

VEL

3.91%

Winner

PFIS

6.08%

P/S Ratio

Winner

VEL

2.49

PFIS

3.51

P/B Ratio

Winner

VEL

0.99

PFIS

1.27

VEL vs PFIS - Historical Returns

Returns include dividend reinvestment.

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

VEL

-1.15%

Winner

PFIS

+10.11%

VEL

-11.40%

Winner

PFIS

+22.62%

VEL

-12.03%

Winner

PFIS

+34.60%

VEL

-2.61%

Winner

PFIS

+39.15%

5Y(CAGR)

VEL

+5.78%

Winner

PFIS

+14.46%

10Y(CAGR)

VEL

N/A

PFIS

+9.74%

Max(CAGR)

VEL

+3.76%

Winner

PFIS

+9.17%

VEL vs PFIS - Annual Returns (2002 - 2026)

Returns include dividend reinvestment.

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

VEL vs PFIS Drawdown Comparison

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

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

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

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