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	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	236.28	192.26	134.64	100.59	86.45	87.42
Interest Income on Investments	22.45	19.2	15.21	10.75	7.61	6.71
Total Interest Income	258.73	211.46	149.85	111.33	94.06	94.13
Interest Paid on Deposits	86.06	87.93	58.56	12.63	7.31	11.74
Interest Paid on Borrowings	11.23	7.54	4.54	2.95	2.11	2.59
Total Interest Expense	97.29	95.47	63.1	15.59	9.42	14.32
Net Interest Income	161.44	115.99	86.75	95.75	84.64	79.8
Net Interest Income Growth (YoY)	65.16%	33.70%	-9.39%	13.13%	6.06%	5.68%
Trust Income	5.11	4.39	3.8	3.66	3.81	3.41
Mortgage Banking Activities	0.51	0.39	0.39	0.51	0.98	1.6
Gain (Loss) on Sale of Assets	0.06	-	-	-	-	-
Gain (Loss) on Sale of Investments	0.02	0.13	0.07	-2.01	12.16	0.91
Other Non-Interest Income	17.97	13.43	9.88	9.68	8.7	10.73
Total Non-Interest Income	23.68	18.34	14.13	11.85	25.64	16.64
Non-Interest Income Growth (YoY)	49.05%	29.74%	19.32%	-53.80%	54.04%	10.07%
Revenues Before Loan Losses	185.11	134.33	100.89	107.59	110.27	96.44
Provision for Loan Losses	2.49	19.13	0.57	-0.45	1.75	7.4
Revenue	182.62	115.19	100.32	108.04	108.52	89.04
Revenue Growth (YoY)	89.84%	14.82%	-7.15%	-0.44%	21.88%	5.33%
Salaries and Employee Benefits	55.87	44.96	34.4	33.02	28.89	30.14
Occupancy Expenses	25.47	21.1	16.15	15.58	12.09	12.11
Federal Deposit Insurance	3.86	3.16	2.13	1.3	1.12	0.87
Amortization of Goodwill & Intangibles	6.58	3.37	0.11	0.36	0.49	0.61
Selling, General & Administrative	6.08	6.08	5.24	5.19	4.32	3.28
Other Non-Interest Expense	14.38	10.04	6.38	6.32	6.88	6.5
Total Non-Interest Expense	114.07	90.53	66	62.68	55	54.87
EBT Excluding Unusual Items	68.56	24.67	34.32	45.37	53.52	34.18
Pretax Income	63.33	8.47	32.5	45.37	53.52	34.18
Income Tax Expense	10.03	-0.03	5.12	7.28	10	4.82
Net Income	53.3	8.5	27.38	38.09	43.52	29.35
Net Income to Common	53.3	8.5	27.38	38.09	43.52	29.35
Net Income Growth	782.27%	-68.96%	-28.12%	-12.47%	48.26%	14.06%
Basic Shares Outstanding	10	9	7	7	7	7
Diluted Shares Outstanding	10	9	7	7	7	7
Shares Change (YoY)	28.39%	20.06%	-0.83%	-0.33%	-1.40%	-1.00%
EPS (Basic)	5.33	1.00	3.85	5.31	6.05	4.02
EPS (Diluted)	5.29	0.99	3.83	5.28	6.02	4.00
EPS Growth	582.20%	-74.15%	-27.46%	-12.29%	50.50%	15.27%
Dividend Per Share	2.467	2.055	1.640	1.580	1.500	1.440
Dividend Growth	33.56%	25.30%	3.80%	5.33%	4.17%	5.11%
Effective Tax Rate	15.84%	-	15.76%	16.04%	18.68%	14.11%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q