Peoples Financial Services Corp. (PFIS)

PFIS Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Interest Income	159.5	115.99	86.75	95.75	84.64	79.8
Net Interest Income Growth	99.76%	33.70%	-9.39%	13.13%	6.06%	5.68%
Non-Interest Income	23.21	18.34	13.96	11.37	25.43	15.84
Non-Interest Income Growth	68.46%	31.37%	22.79%	-55.29%	60.50%	5.28%
Revenues Before Loan Losses	182.71	134.33	100.71	107.12	110.06	95.64
Provision for Credit Losses	17.79	19.13	0.57	-0.45	1.75	7.4
Revenue	164.92	115.19	100.15	107.57	108.31	88.24
Revenue Growth (YoY)	81.59%	15.03%	-6.90%	-0.69%	22.74%	4.48%
Compensation Expenses	55.7	45.75	35.29	33.55	29.74	30.14
Selling, General & Admin	29.87	27.39	21.58	20.67	16.42	16.29
Other Non-Interest Expenses	37.79	33.59	10.98	8.93	9.06	8.45
Total Non-Interest Expense	126.11	106.73	67.83	62.68	55	54.87
Pretax Income	39.49	8.47	32.5	45.37	53.52	34.18
Provision for Income Taxes	5.78	-0.03	5.12	7.28	10	4.82
Net Income	33.72	8.5	27.38	38.09	43.52	29.35
Net Income to Common	33.72	8.5	27.38	38.09	43.52	29.35
Net Income Growth	96.89%	-68.96%	-28.12%	-12.47%	48.26%	14.06%
Shares Outstanding (Basic)	10	9	7	7	7	7
Shares Outstanding (Diluted)	10	9	7	7	7	7
Shares Change (YoY)	41.51%	20.06%	-0.83%	-0.33%	-1.40%	-1.00%
EPS (Basic)	3.23	0.99	3.83	5.28	6.02	4.02
EPS (Diluted)	3.21	0.99	3.83	5.28	6.02	4.00
EPS Growth	32.65%	-74.15%	-27.46%	-12.29%	50.50%	15.27%
Free Cash Flow	44.07	31.35	27.33	34.53	35.89	34.89
Free Cash Flow Growth	40.59%	14.71%	-20.85%	-3.79%	2.86%	10.84%
Free Cash Flow Per Share	4.38	3.65	3.82	4.79	4.96	4.75
Dividends Per Share	2.470	2.055	1.640	1.580	1.500	1.440
Dividend Growth	20.20%	25.30%	3.80%	5.33%	4.17%	5.11%
Profit Margin	20.59%	7.38%	27.34%	35.41%	40.18%	33.26%
FCF Margin	26.92%	27.22%	27.29%	32.10%	33.13%	39.54%
EBITDA	10.95	7.24	3.5	4.03	3.64	4.25
EBITDA Margin	6.69%	6.28%	3.49%	3.75%	3.36%	4.82%
Effective Tax Rate	14.63%	-0.35%	15.76%	16.04%	18.68%	14.11%

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

SEC Filings: 10-K · 10-Q