Structured JSON API for this factor page: https://sharemaestro.com/factors/api/tickers/b57900aa-f11f-4baf-a57f-8dd147ff6a15/
PFIS
Peoples FinSnapshot 2026-06-07 · 0.0w · Fresh
Strategy Eligibility
10 of 23 passing
★
OS Composite
OS 0.910
↗
Trending Value
✗
◆
Quality × Value
QV 0.759
🏛
Cornerstone Value
✗
🌿
Cornerstone Growth
✗
💎
Deep Value
P/E 10.2
◇
VC2 Cheapest
✗
📐
EBITDA/EV
8.2%
◐
Veiled Value
✗
▣
Piotroski Bargains
✗
🔬
Quality Compounders
✗
📈
Consistent Earners
✗
🌱
GARP
Rev +12%
🔄
Shareholder Yield
4.1%
💰
High Yield
Div 4.1%
🚀
Momentum Leaders
12-1 27%
◉
Market Leaders
✗
◎
Tiny Titans
✗
🔍
Small Cap Value
Val 79th
🛡
Low Volatility
✗
🏷
Sector Cheapest
✗
🧠
Capital Allocators
✗
⚡
Risk-Adj Momentum
RAM 1.02
V
Value Analysis
Cheapness relative to fundamentals
79.0%ile
P/E
10.2×
P/S
2.1×
P/B
1.1×
E/P
0.0977
FCF Yield
0.069
EBITDA/EV
0.082
SH Yield
0.041
Relative Strength Across Value Dimensions
Multiples & Yields — Decomposition
VC1 (5-Factor)
22.00000000
/100 — 1=cheapest
VC2 (Trending Value)
17.00000000
/100
VC3 (Buyback)
17.00000000
/100
P/E of 10.2x places this firmly in deep value territory. FCF yield of 6.9% is strong — the business generates significant free cash relative to price.
Q
Quality Analysis
Profitability, efficiency, balance sheet & earnings quality
73.0%ile
ROE
0.112
ROA
0.011
Net Margin
0.207
Op Margin
0.254
GPA
0.035
D/E
9.32
Current
0.43
F-Score
6/9
Quality Radar — Relative Strength
Profitability & Leverage Breakdown
Rev Growth
0.116
Earn Growth
1.940
Stability
0.759
lower=better
Accruals
0.001
lower=better
5yr Consist
No
Highly leveraged with D/E of 9.32 — returns are being amplified by debt.
M
Momentum & Risk
Price trend, volatility regime, risk-adjusted returns
75.0%ile
6M Return
23.6%
12M Return
29.9%
12-1 Mom
26.9%
Risk-Adj
1.02
Vol 252d
26.2%
Vol 60d
55.8%
↑ Expanding
Max DD 12M
-15.9%
Return Comparison — 6M / 12M / 12-1
Volatility Regime — 60d vs 252d
12-1 momentum of 27% is very strong — a clear uptrend. Near-term vol (56%) is expanding vs long-term (26%) — risk is increasing.
OS
Composite & Factor Heatmap
All factors at a glance
0.91
Pillar Balance — Value / Quality / Momentum
Factor Heatmap — green=strong, red=weak
▦
Sector Context
Financial Services
· 500 peers
Sector Value %ile
44.3%
Sector Quality %ile
44.1%
P/E z-score
-0.18
P/B z-score
-0.06
Sector Avg OS
86.5%
Ticker vs Sector Averages
Relative Valuation Z-Score
Top Sector Peers (By OS)
Factor Interactions
Value + Quality Intersection
Top-tier on both cheapness (79th) and quality (73th) — the O'Shaughnessy sweet spot, historically the strongest long-term combination.
Trending Value Signal
Cheap (79th value) with strong momentum (75th). The market is starting to recognise the value.
Strong Capital Return
Shareholder yield 4.1% backed by 6.9% FCF yield. Returns are well-funded.
Volatility Expanding
60-day vol (56%) significantly exceeds 252-day (26%). Near-term risk is elevated.
⚖
Factor Analysis
Comprehensive factor intelligence — strengths, weaknesses & cross-factor profile
Value
B
70.6% avg (7 factors)
Quality
D
34.6% avg (8 factors)
Momentum
B
63.3% avg (4 factors)
Risk
B
73.0% avg (1 factors)
Deep value territory, but quality is concerning. This is either a turnaround opportunity or a value trap — the F-Score and accruals ratio will be key differentiators.
▲ Top Strengths — highest scoring factors
▼ Key Weaknesses — lowest scoring factors
Factor Persistence1 snapshots
| Factor | Current | Streak | Trend | Spark |
|---|---|---|---|---|
| OS Composite | 0.910 | —1 | — | |
| Value %ile | 0.790 | —1 | — | |
| Quality %ile | 0.730 | —1 | — | |
| Momentum %ile | 0.750 | —1 | — | |
| F-Score | 6.000 | —0 | — | |
| Confidence | 1.000 | —1 | — | |
| Volatility | 0.262 | —0 | — |
Value FactorsCheapness relative to fundamentals — lower multiples = cheaper
P/E Ratio
10.23
Earnings Yield (E/P)
0.0977
Price / Sales
2.12
Price / Book
1.15
Price / Cash Flow
11.27
FCF Yield
6.9%
EBITDA / EV
8.2%
Sales Yield (1/P·S)
0.3003
Shareholder Yield
Div + net buyback / mktcap
4.1%
Quality FactorsProfitability, efficiency, and balance sheet strength
Return on Equity
11.2%
Return on Assets
1.1%
Net Margin
20.7%
Operating Margin
25.4%
Gross Profit / Assets
Novy-Marx GPA
3.5%
Debt / Equity
9.32
Current Ratio
0.43
Accruals Ratio
(NI-OCF)/Assets — lower=better
0.001
MomentumPrice trend strength over different horizons
6M Return
23.6%
12M Return
29.9%
12-1 Momentum
Jegadeesh-Titman (skip recent month)
26.9%
Risk-Adjusted Momentum
Mom 12-1 ÷ Vol
1.02
Growth & StabilityEarnings trajectory, consistency, and capital allocation
Revenue Growth (YoY)
11.6%
Earnings Growth (YoY)
194.0%
Earnings Stability (CV)
Lower = more stable
0.759
5yr Consistent
EPS up every year for 5 years
No
Piotroski F-Score
6
Dividend Yield
4.1%
Buyback Yield
0.0%
O'Shaughnessy CompositesValue Composites (WWOWS 4th Ed) — 1=cheapest, 100=most expensive
VC1 (5-factor)
P/E+P/S+P/B+P/CF+EBITDA/EV
22
VC2 (6-factor)
VC1 + Shareholder Yield — used for Trending Value
17
VC3 (6-factor)
VC1 + Buyback Yield — no dividend preference
17
Capital Allocation & AlphaAlpha within factors — quality of management decisions
Veiled Value
Expensive by P/B, cheap by everything else
No
Market Leader
Above-avg mcap+revenue, non-utility
No
All Stocks Universe
Market cap > $200M
Yes
Tiny Titan
Micro-cap, low P/S, positive momentum
No
Quarterly Fundamentals
Revenue
Net Income
FCF
Net Margin
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Op Income
OCF
CapEx
Equity
Annual Fundamentals
Revenue
Net Income
FCF
Net Margin
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Op Income
OCF
CapEx
Equity