Peoples Financial Services Corp. (PFIS) Financial Statements
Industry: National Commercial Banks
In fiscal 2025, Peoples Financial Services reported revenue of $187.7M, up 39.7% from $134.3M the year before. Net income was $59.2M (a 31.5% net margin), or $5.88 per diluted share. Net interest income was $166.0M, and the efficiency ratio (noninterest expense / revenue) was 61.5%. Operating activities generated $54.3M of cash, leaving $43.3M of free cash flow. At fiscal year end, Peoples Financial Services held $5.27B in total assets against $4.75B in total liabilities.
Open the full interactive Peoples Financial Services financials → Quarterly statements, key ratios, valuation history and price charts.
Peoples Financial Services Key Stats
| Share Price | $68.02 |
|---|---|
| Market Cap | $682.7M |
| P/E Ratio | 11.6 |
| Revenue YoY Growth | +39.7% |
| 52-Week Range | $42.66 – $72.05 |
| Shares Outstanding | 10.0 million (basic, 2026 Q2) |
Peoples Financial Services Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Net Interest Income | $79.8M | $84.6M | $95.7M | $86.8M | $116.0M | $166.0M |
| Provision for Credit Losses | $7.4M | $1.8M | -$449,000 | $566,000 | $19.1M | $98,000 |
| Noninterest Income | $16.6M | $25.6M | $11.8M | $14.1M | $18.3M | $21.7M |
| Noninterest Expense | $54.9M | $55.0M | $62.7M | $67.8M | $106.7M | $115.4M |
| Revenue | $96.4M | $110.3M | $107.6M | $100.9M | $134.3M | $187.7M |
| Pre-Tax Income | $34.2M | $53.5M | $45.4M | $32.5M | $8.5M | $72.2M |
| Income Tax | $4.8M | $10.0M | $7.3M | $5.1M | -$30,000 | $13.0M |
| Net Income | $29.4M | $43.5M | $38.1M | $27.4M | $8.5M | $59.2M |
| Diluted EPS | $4.00 | $6.02 | $5.28 | $3.83 | $0.99 | $5.88 |
Peoples Financial Services Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $46.7M | $46.8M | $49.8M | $52.1M |
| Net Income | $15.2M | $12.0M | $14.7M | $14.8M |
| Diluted EPS | $1.51 | $1.19 | $1.47 | $1.48 |
Peoples Financial Services Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Loans (Net) | $2.15B | $2.30B | $2.70B | $2.83B | $3.95B | $4.03B |
| Total Assets | $2.88B | $3.37B | $3.55B | $3.74B | $5.09B | $5.27B |
| Deposits | $2.44B | $2.96B | $3.05B | $3.28B | $4.41B | $4.43B |
| Total Long-Term Debt | $33.0M | $33.0M | $33.0M | $33.0M | $99.1M | $83.2M |
| Total Liabilities | $2.57B | $3.03B | $3.24B | $3.40B | $4.62B | $4.75B |
| Shareholders' Equity | $316.9M | $340.1M | $315.4M | $340.4M | $468.9M | $519.8M |
Peoples Financial Services Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | $37.2M | $40.8M | $42.4M | $33.3M | $33.9M | $54.3M |
| Cash From Investing | -$201.2M | -$440.1M | -$467.8M | -$25.8M | $387.1M | -$24.4M |
| Cash From Financing | $361.1M | $451.1M | $183.4M | $142.0M | -$472.6M | $103.3M |
| Free Cash Flow | $34.9M | $35.9M | $34.5M | $27.3M | $31.3M | $43.3M |
Figures from Peoples Financial Services' 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full Peoples Financial Services financials page for every line item.
Peoples Financial Services Company Profile
| Ticker | PFIS |
|---|---|
| Exchange | Nasdaq |
| Industry | National Commercial Banks |
| Headquarters | Moosic, Pennsylvania |
| Incorporated in | Pennsylvania |
| Fiscal Year End | December 31 |
| SEC Filer Category | Accelerated filer |
| SEC CIK | 0001056943 |
Frequently Asked Questions
What was Peoples Financial Services' revenue in fiscal 2025?
Peoples Financial Services (PFIS) reported revenue of $187.7M for fiscal 2025.
What is Peoples Financial Services' annual revenue history?
Peoples Financial Services' annual revenue by fiscal year: 2020: $96.4M; 2021: $110.3M; 2022: $107.6M; 2023: $100.9M; 2024: $134.3M; 2025: $187.7M.
What was Peoples Financial Services' net income in fiscal 2025?
Peoples Financial Services reported net income of $59.2M for fiscal 2025.
What was Peoples Financial Services' earnings per share (EPS) in fiscal 2025?
Peoples Financial Services' diluted EPS was $5.88 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did Peoples Financial Services generate in fiscal 2025?
Peoples Financial Services generated $43.3M of free cash flow in fiscal 2025.
What was Peoples Financial Services' revenue last quarter?
In its most recent reported quarter (2026 Q2), Peoples Financial Services reported revenue of $52.1M.
How much debt does Peoples Financial Services have?
Peoples Financial Services reported $83.2M of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of Peoples Financial Services are outstanding?
Peoples Financial Services reported a weighted average of 10.0 million basic shares outstanding in 2026 Q2.
What is Peoples Financial Services' market cap?
Based on its latest closing price, Peoples Financial Services (PFIS) has a market capitalization of about $682.7M.
When does Peoples Financial Services' fiscal year end?
Peoples Financial Services' fiscal year end, as registered with the SEC, is December 31.
Where is Peoples Financial Services headquartered?
Peoples Financial Services lists its business address in Moosic, Pennsylvania in its SEC filings.