Donegal Group Inc. (DGICA) vs Peoples Financial Services Corp. (PFIS)
A side-by-side comparison of Donegal Group Inc. and Peoples Financial Services Corp. across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of October 6, 2026. Differences are shown without an overall score or investment verdict.
Total return — DGICA vs PFIS
growth of $100 · dividends reinvested · last 10yDGICA vs PFIS: by the numbers
- •PFIS is the larger company ($693M vs $670M market cap).
- •DGICA trades at the lower trailing earnings multiple (9.19 vs 12.26 P/E), one valuation lens rather than an overall verdict.
- •PFIS converts more revenue to profit (19.74% vs 7.38% net margin).
- •PFIS grew revenue faster over the past five years (21.36% vs 3.86% CAGR).
- •DGICA pays the higher dividend yield (4.11% vs 3.57%).
Metrics side by side
Valuation
| Metric | DGICA | PFIS |
|---|---|---|
| P/E ratio | 9.19 | 12.26 |
| Forward P/E | 10.11 | 10.98 |
| PEG ratio | 2.58 | 1.53 |
| P/S ratio | 0.70 | 2.41 |
| P/B ratio | 1.01 | 1.29 |
Profitability
| Metric | DGICA | PFIS |
|---|---|---|
| Operating margin | 9.10% | 24.51% |
| Net margin | 7.38% | 19.74% |
| ROE | 10.67% | 10.59% |
Donegal Group Inc.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Peoples Financial Services Corp.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Dividends
| Metric | DGICA | PFIS |
|---|---|---|
| Dividend yield | 4.11% | 3.57% |
| Payout ratio | 37.88% | 44.12% |
Growth (annualized)
| Metric | DGICA | PFIS |
|---|---|---|
| Revenue CAGR (5Y) | 3.86% | 21.36% |
| EPS CAGR (5Y) | 4.28% | 8.05% |
| Total return CAGR (5Y) | 9.25% | 12.72% |
Frequently asked
- Which has the lower trailing P/E, DGICA or PFIS?
- DGICA has the lower trailing P/E: DGICA trades at 9.19 and PFIS at 12.26. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, DGICA or PFIS?
- Over the past five years, PFIS grew revenue faster — DGICA at a 3.86% CAGR versus PFIS at 21.36%.
- Does DGICA or PFIS pay a bigger dividend?
- DGICA yields 4.11% and PFIS yields 3.57% based on trailing dividends and the latest price.
- Is DGICA or PFIS more profitable?
- PFIS runs the higher net margin — DGICA at 7.38% versus PFIS at 19.74%.
- How have DGICA and PFIS total returns compared?
- Over the past 10 years, DGICA delivered 5.43% and PFIS delivered 9.35% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Donegal & Peoples Financial Services appear in these rankings
Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified October 6, 2026.