Peoples Financial Services Corp. (PFIS)

PFIS Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Interest Income	331.92	225.04	167.88	186.42	169.27
Net Interest Income Growth	47.50%	34.05%	-9.95%	10.13%	6.06%
Non-Interest Income	19.46	18.34	13.97	11.85	25.64
Non-Interest Income Growth	6.13%	31.28%	17.91%	-53.80%	61.82%
Revenues Before Loan Losses	351.38	243.38	181.85	198.27	194.91
Provision for Credit Losses	-0.1	-19.13	-0.57	0.45	-1.75
Revenue	351.48	262.51	182.41	197.82	196.66
Revenue Growth (YoY)	33.89%	43.91%	-7.79%	0.59%	7.55%
Compensation Expenses	56.34	45.75	35.29	33.55	29.74
Selling, General & Admin	30.74	30.55	23.71	21.97	17.54
Other Non-Interest Expenses	28.28	30.43	8.84	7.15	7.73
Total Non-Interest Expense	115.36	106.73	67.83	62.68	55
Pretax Income	236.13	155.78	114.59	135.14	141.65
Provision for Income Taxes	13.05	-0.03	5.12	7.28	10
Net Income	59.19	8.5	27.38	38.09	43.52
Net Income to Common	59.19	8.5	27.38	38.09	43.52
Net Income Growth	596.48%	-68.96%	-28.12%	-12.47%	48.26%
Shares Outstanding (Basic)	10	9	7	7	7
Shares Outstanding (Diluted)	10	9	7	7	7
Shares Change (YoY)	17.33%	20.06%	-0.83%	-0.33%	-1.40%
EPS (Basic)	5.92	1.00	3.85	5.31	6.05
EPS (Diluted)	5.88	0.99	3.83	5.28	6.01
EPS Growth	493.94%	-74.14%	-27.51%	-12.19%	50.37%
Free Cash Flow	-0.1	31.35	27.33	34.53	35.89
Free Cash Flow Growth	-	14.71%	-20.85%	-3.79%	2.86%
Free Cash Flow Per Share	-0.01	3.65	3.82	4.79	4.96
Dividends Per Share	2.470	2.055	1.640	1.580	1.500
Dividend Growth	20.20%	25.30%	3.80%	5.33%	4.17%
Profit Margin	16.84%	3.79%	15.10%	19.17%	22.53%
FCF Margin	-0.03%	13.98%	15.07%	17.37%	18.58%
EBITDA	0	7.24	3.5	4.03	3.64
EBITDA Margin	0.00%	3.23%	1.93%	2.03%	1.89%
Effective Tax Rate	5.53%	-0.03%	4.51%	5.35%	7.24%

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q