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
Interest Income on Loans	237.22	192.26	134.64	100.59	86.45
Interest Income on Investments	22.47	19.2	15.21	10.75	7.61
Total Interest Income	259.7	211.46	149.85	111.33	94.06
Interest Paid on Deposits	81.17	87.93	58.56	12.63	7.31
Interest Paid on Borrowings	12.56	7.54	4.54	2.95	2.11
Total Interest Expense	93.74	95.47	63.1	15.59	9.42
Net Interest Income	165.96	115.99	86.75	95.75	84.64
Net Interest Income Growth (YoY)	43.08%	33.70%	-9.39%	13.13%	6.06%
Trust Income	5.23	4.39	3.8	3.66	3.81
Mortgage Banking Activities	0.55	0.39	0.39	0.51	0.98
Gain (Loss) on Sale of Assets	-0.07	-	-	-	-
Gain (Loss) on Sale of Investments	-2.07	0.13	0.07	-2.01	12.16
Other Non-Interest Income	18.1	13.43	9.88	9.68	8.7
Total Non-Interest Income	21.73	18.34	14.13	11.85	25.64
Non-Interest Income Growth (YoY)	18.49%	29.74%	19.32%	-53.80%	54.04%
Revenues Before Loan Losses	187.69	134.33	100.89	107.59	110.27
Provision for Loan Losses	0.1	19.13	0.57	-0.45	1.75
Revenue	187.59	115.19	100.32	108.04	108.52
Revenue Growth (YoY)	62.85%	14.82%	-7.15%	-0.44%	21.88%
Salaries and Employee Benefits	56.34	44.96	34.4	33.02	28.89
Occupancy Expenses	27.45	21.1	16.15	15.58	12.09
Federal Deposit Insurance	3.29	3.16	2.13	1.3	1.12
Amortization of Goodwill & Intangibles	6.4	3.37	0.11	0.36	0.49
Selling, General & Administrative	-	6.08	5.24	5.19	4.32
Other Non-Interest Expense	21.65	10.04	6.38	6.32	6.88
Total Non-Interest Expense	115.12	90.53	66	62.68	55
EBT Excluding Unusual Items	72.47	24.67	34.32	45.37	53.52
Pretax Income	72.23	8.47	32.5	45.37	53.52
Income Tax Expense	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%
Basic Shares Outstanding	10	9	7	7	7
Diluted Shares Outstanding	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	6.02
EPS Growth	493.94%	-74.15%	-27.46%	-12.29%	50.50%
Dividend Per Share	2.470	2.055	1.640	1.580	1.500
Dividend Growth	20.20%	25.30%	3.80%	5.33%	4.17%
Effective Tax Rate	18.06%	-	15.76%	16.04%	18.68%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q