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	231.98	173.51	186.42	169.27
Net Interest Income Growth	43.08%	33.70%	-6.93%	10.13%	6.06%
Non-Interest Income	21.73	18.34	14.13	11.85	25.64
Non-Interest Income Growth	18.49%	29.74%	19.32%	-53.80%	61.82%
Revenues Before Loan Losses	353.65	250.31	187.64	198.27	194.91
Provision for Credit Losses	-0.1	-19.13	-0.57	0.45	-1.75
Revenue	353.75	269.45	188.21	197.82	196.66
Revenue Growth (YoY)	31.29%	43.16%	-4.86%	0.59%	7.55%
Compensation Expenses	56.34	45.75	35.29	33.55	29.74
Selling, General & Admin	38.11	30.55	23.71	21.97	17.54
Other Non-Interest Expenses	20.9	30.43	8.83	7.15	7.73
Total Non-Interest Expense	115.36	106.73	67.82	62.68	55
Pretax Income	72.23	8.47	32.5	45.37	53.52
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%	-74.15%	-27.49%	-12.19%	50.37%
Shares Outstanding	9.99	9.99	7.04	7.15	7.17
Free Cash Flow	43.34	32.15	27.33	34.53	35.89
Free Cash Flow Growth	34.81%	17.65%	-20.85%	-3.79%	2.86%
Free Cash Flow Per Share	4.30	3.74	3.82	4.79	4.96
Dividends Per Share	2.470	2.060	1.640	1.580	1.500
Dividend Growth	19.90%	25.61%	3.80%	5.33%	4.17%
Profit Margin	16.73%	3.15%	14.55%	19.25%	22.13%
FCF Margin	12.25%	11.93%	14.52%	17.45%	18.25%
EBITDA	10.62	7.24	3.5	4.03	3.64
EBITDA Margin	3.00%	2.69%	1.86%	2.04%	1.85%
Effective Tax Rate	18.06%	-0.35%	15.76%	16.04%	18.68%

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

SEC Filings: 10-K · 10-Q