What is Peoples Financial Services Corp.'s Shariah compliance score?

Peoples Financial Services Corp.'s (PFIS) compliance score is being calculated. Check HalalScreener.app for the latest AAOIFI screening results.

Does Peoples Financial Services Corp. pass AAOIFI screening?

Peoples Financial Services Corp. (PFIS) does not pass AAOIFI Shariah screening. AAOIFI requires: (1) no primary involvement in prohibited activities like alcohol, gambling, or conventional banking, (2) debt-to-market-cap below 30% (PFIS: 38.8%), (3) interest-bearing deposits below 30% (PFIS: 39.0%), and (4) prohibited income below 5% (PFIS: 92.4%). HalalScreener provides free AAOIFI screening for 10,000+ stocks at halalscreener.app.

How much purification is needed for Peoples Financial Services Corp. stock?

Peoples Financial Services Corp. (PFIS) has a non-permissible income ratio of 92.43%. Muslim investors should purify this percentage of any dividends received and capital gains realized from PFIS shares by donating it to charity. HalalScreener's purification calculator at halalscreener.app/en/purification automates this calculation using the latest financial data.

Where can I screen Peoples Financial Services Corp. for Shariah compliance for free?

HalalScreener (halalscreener.app) offers free Shariah compliance screening for Peoples Financial Services Corp. (PFIS) and 10,000+ other US-listed stocks, ETFs, and 100+ cryptocurrencies. The screening uses AAOIFI Standard No. 21 and shows all financial ratios transparently. No credit card or signup required for basic screening. HalalScreener also includes an AI Islamic Scholar for follow-up questions about PFIS's compliance across different madhabs (Hanafi, Shafi'i, Maliki, Hanbali, Ja'fari).

PFIS: Is Peoples Financial Services Corp. Halal?

Peoples Financial Services Corp.

NASDAQFinancial ServicesUS

$66.52

+1.02%

Market Cap: 665.9M

Compliance Status

Not Halal

Screened on Jul 18, 2026 · AAOIFI Standard 21

Non-Compliant

0Score

Is Peoples Financial Services Corp. (PFIS) halal? Not Halal. Based on AAOIFI screening, Peoples Financial Services Corp. has involvement in prohibited business activities with a compliance score of 0/100 (Grade: F).

AvoidBorderlineClean

Business activity

Involved in prohibited business activities.

Failed

Company debt

Over the limit

How much the company borrows, compared to its total value. AAOIFI allows up to 30%.

38.8% of 30.0% limit

What this means for you

Most scholars advise not holding PFIS

It does not pass AAOIFI Shariah screening.

See halal alternatives from the same sector further down this page

About Peoples Financial Services Corp.

Peoples Financial Services Corp. functions as the holding company for Peoples Security Bank and Trust Company, delivering a comprehensive suite of commercial and retail banking solutions. Its deposit offerings encompass demand deposit accounts (including NOW and small business checking), money market and savings accounts, individual retirement accounts (IRAs), and various certificates of deposit. The company's lending portfolio is extensive, covering residential needs such as mortgages, auto, personal, manufactured housing, and home equity loans. For commercial clients, it extends financing for real estate, working capital, construction, equipment, agricultural ventures, mineral rights, and Small Business Administration (SBA) initiatives. Beyond traditional banking, the corporation delivers a range of wealth management and trust services. These encompass investment management, various trust arrangements (IRA, estate administration, living, life insurance, testamentary, guardianship, corporate, custodial), and administration of pension and profit-sharing schemes. Financial advisory offerings include investment portfolio oversight, strategic estate and business succession planning, retirement and tax planning, and education funding strategies. It also facilitates annuities, insurance products, securities, brokerage, and broader investor services. For businesses, specialized services extend to small business checking, merchant money market accounts, business credit cards, and lines of credit, complemented by online and telephone banking, and financial checkup services. Operational support for all clients includes remote deposit capture, Automatic Clearing House (ACH) transactions, cash management, automated teller machines (ATMs), point-of-sale services, safe deposit boxes, night depositories, direct deposit, and official checks. Its diverse customer base includes individual consumers, businesses, non-profit organizations, governmental bodies, municipal agencies, and professionals. With 28 full-service community banking branches, the company maintains a significant presence across Allegheny, Bucks, Lackawanna, Lebanon, Lehigh, Luzerne, Monroe, Montgomery, Northampton, Susquehanna, and Wyoming Counties in Pennsylvania, as well as Middlesex County in New Jersey, and Broome County in New York. Established in 1905, the institution is headquartered in Scranton, Pennsylvania.

Sector: Financial Services · Industry: Banks - Regional

Shariah Compliance Status

AAOIFI Standard 21Updated Jul 18, 2026

Business Activity Screen

Failed

Checks if the business is involved in prohibited activities (alcohol, gambling, pork, conventional banking, etc.)

Prohibited industry: Banks - Regional

Compliance History

Not Halal, unchanged since Jun 2026.

No status changes recorded since we began tracking.

Tracked since Jun 2026. Updates automatically on each re-screen.

Fiscal: FY 2025Data source: FMP

Halal Alternatives in Financial Services

This stock is not Shariah-compliant. Here are halal alternatives from the same sector, ranked by compliance score:

GLDA+

SPDR Gold Shares

$368.41

+0.17%

SLVA+

iShares Silver Trust

$50.78

+0.47%

PSLVA+

Sprott Physical Silver Trust

$21.30

+6.23%

PHYSA+

Sprott Physical Gold Trust

$31.75

+0.19%

ABA+

AllianceBernstein Holding L.P.

$36.03

-1.13%

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JPMorgan Chase & Co.

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Mastercard Incorporated

A+

PYPL

PayPal Holdings, Inc.

C+

BAC

Bank of America Corporation

WFC

Wells Fargo & Company

Free · No credit card required

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Frequently Asked Questions

Is Peoples Financial Services Corp. (PFIS) halal to invest in?

Peoples Financial Services Corp. (PFIS) is rated Not Halal under AAOIFI Standard 21 screening. It fails either the business activity screen (primary involvement in prohibited sectors such as conventional banking, alcohol, or gambling) or one of the quantitative financial ratio thresholds. Muslim investors should avoid or exit this position.

Why did Peoples Financial Services Corp. get a F compliance rating?

Peoples Financial Services Corp. (PFIS) received a grade of F (Non-Compliant) based on three AAOIFI Standard 21 financial ratios: debt-to-market-cap of 38.8% (limit 30%); interest-bearing deposits of 39.0% (limit 30%); prohibited income of 92.43% (limit 5%). The grade reflects the margin of safety across all three ratios relative to their thresholds.

What could change Peoples Financial Services Corp.'s Shariah verdict?

Peoples Financial Services Corp.'s verdict is re-evaluated at each annual re-screen. Three events could change it: (1) the debt-to-market-cap ratio crossing 30%, typically from new debt issuance or a major drop in share price; (2) interest-bearing deposits exceeding 30% of market cap; or (3) prohibited revenue (alcohol, gambling, conventional finance, etc.) exceeding 5% of total revenue. Verdict flips are tracked in the compliance history section above.

How often is Peoples Financial Services Corp. re-screened for Shariah compliance?

Peoples Financial Services Corp. (PFIS) is re-screened annually using the most recent full-year financial data from SEC filings. HalalScreener also triggers an on-demand re-screen whenever the stored data is more than 7 days old, ensuring the ratios reflect the latest available financial statements. Last screened: Jul 18, 2026.

Screened according to AAOIFI Standard No. 21 · For informational purposes only. Consult a qualified Islamic finance advisor before investing.

Disclaimer: This screening is for informational purposes only and does not constitute financial, legal, or religious advice. Compliance is evaluated using AAOIFI financial standards (debt, deposits, and prohibited income ratios) and publicly available data. Ethical, political, social, or environmental considerations are outside the scope of this screening. Individual scholars and methodologies may differ. Always consult a qualified Islamic finance advisor before making investment decisions.