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PFIS

Peoples Financial Services Corp.

PFIS

Peoples Financial Services Corp. • NASDAQ
$48.79 ▼ -0.17% (-0.08)
Market Cap $487.64 M
52w High $57.00
52w Low $38.90
Dividend Yield 2.47%
P/E 9.07
Volume 18.09K
Outstanding Shares 9.99M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $71.28M ▼ $29.293M ▲ $15.246M ▼ 21.389% ▼ $1.53 ▼ $21.384M ▼
Q2-2025 $71.582M ▲ $28.262M ▲ $16.956M ▲ 23.688% ▲ $1.7 ▲ $23.122M ▲
Q1-2025 $68.002M ▼ $26.673M ▼ $15.009M ▲ 22.071% ▲ $1.5 ▲ $21.016M ▲
Q4-2024 $71.474M ▼ $34.998M ▼ $6.087M ▲ 8.516% ▲ $0.61 ▲ $8.209M ▲
Q3-2024 $74.006M $35.502M $-4.337M -5.86% $-0.43 $-1.909M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $375.029M ▲ $5.16B ▲ $4.65B ▲ $509.26M ▲
Q2-2025 $350.439M ▲ $5.108B ▲ $4.614B ▲ $494.096M ▲
Q1-2025 $328.394M ▲ $4.999B ▼ $4.518B ▼ $481.854M ▲
Q4-2024 $323.181M ▼ $5.092B ▼ $4.623B ▼ $468.95M ▼
Q3-2024 $669.862M $5.36B $4.885B $475.051M

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q3-2025 $15.246M ▼ $15.218M ▲ $-40.465M ▼ $29.431M ▼ $4.184M ▼ $13.03M ▲
Q2-2025 $16.956M ▲ $13.893M ▲ $-5.893M ▼ $90.637M ▲ $98.637M ▲ $8.502M ▼
Q1-2025 $15.009M ▲ $9.071M ▲ $40.663M ▼ $-108.483M ▲ $-58.749M ▲ $8.572M ▲
Q4-2024 $6.087M ▲ $3.321M ▼ $119.514M ▼ $-272.454M ▼ $-149.618M ▼ $5.672M ▼
Q3-2024 $-4.337M $21.896M $281.552M $-67.935M $235.513M $17.584M

Revenue by Products

Product Q4-2024Q1-2025Q2-2025Q3-2025
Asset Management
Asset Management
 $0 ▲$0 ▲$0 ▲$0 ▲
Bank Servicing
Bank Servicing
 $10.00M ▲$0 ▼$0 ▲$0 ▲
Commission And Fees On Fiduciary Activities
Commission And Fees On Fiduciary Activities
 $0 ▲$0 ▲$0 ▲$0 ▲
Credit Card
Credit Card
 $0 ▲$0 ▲$0 ▲$0 ▲

Five-Year Company Overview

Income Statement

Income Statement Revenue has grown steadily over the last five years and jumped meaningfully most recently, helped by the merger-driven expansion. However, earnings have moved in the opposite direction: profit margins have narrowed, and per‑share earnings have fallen sharply from earlier peaks. This mix of higher revenue but weaker profitability suggests rising costs, merger integration expenses, and pressure from funding costs or credit provisions. The bank is growing its top line but currently earning less on each dollar of revenue than it did a few years ago, which is an area to watch.

Balance Sheet

Balance Sheet The balance sheet has expanded significantly, largely due to the recent acquisition, and now reflects a much larger asset base. Shareholders’ equity has also grown, indicating a thicker capital cushion, while borrowings have increased but remain modest relative to total assets. Cash holdings are small but fairly stable, which is typical for a community bank that invests most of its balance sheet in loans and securities. Overall, the profile looks reasonably solid, but the rapid size increase adds execution and asset‑quality oversight challenges that will need careful management.

Cash Flow

Cash Flow Cash generation from the core banking business has been steady and consistently positive over the entire period. Free cash flow closely tracks operating cash flow, reflecting limited spending on physical investments and a relatively light capital‑expenditure footprint. This pattern suggests a stable, cash‑generative franchise with no sign of strain in day‑to‑day funding. The reliability of cash flow is a key strength and provides flexibility for dividends, integration costs, and future investments, assuming credit conditions remain manageable.

Competitive Edge

Competitive Edge PFIS competes as a scaled community bank with a strong regional focus in parts of Pennsylvania, New Jersey, and New York. Its edge comes from deep local relationships, personalized service, and direct access to decision‑makers, which can be hard for very large banks to replicate. The merger with FNCB boosts its scale, branch network, and brand visibility, making it one of the larger independent community players in its footprint. At the same time, it faces intense competition from national banks, larger regionals, and digital‑only providers, and remains sensitive to regional economic cycles and credit conditions. The ultimate strength of its position will depend on how well it integrates the merger, controls costs, and protects credit quality.

Innovation and R&D

Innovation and R&D The bank is not a disruptive fintech player, but it has built a solid and practical digital offering. Customers have access to online and mobile banking, digital wallets, and personal financial management tools that aggregate accounts and help track spending and budgets. Business clients benefit from cash‑management solutions, fraud‑prevention tools like Positive Pay, and modern merchant services. PFIS also differentiates itself with specialized deposit products, expanded FDIC insurance solutions, and a full-service wealth management arm. Looking ahead, the main innovation challenge is to keep these digital and advisory services improving fast enough to match rising customer expectations, rather than to lead the industry in cutting‑edge technology.

Summary

PFIS is evolving from a traditional community bank into a larger regional franchise, driven by a transformative merger and steady revenue growth. The trade‑off so far has been weaker profitability, as higher scale has not yet translated into stronger earnings per share, likely due to integration and cost pressures. Its balance sheet and cash flows look stable and supportive, with growing equity and consistent cash generation, but the sudden increase in size adds execution and risk‑management demands. Competitively, PFIS leans on local relationships, specialized products, and solid digital tools rather than bleeding‑edge innovation, giving it a defensible niche but not an unassailable moat. Over the next few years, the key questions will be whether management can realize merger synergies, restore stronger profitability, and maintain credit quality while continuing to modernize its digital and advisory offerings.

NEWS

October 31, 2025 · 4:05 PM UTC

PEOPLES FINANCIAL SERVICES CORP. Declares Fourth Quarter 2025 Dividend

Read more

October 30, 2025 · 4:44 PM UTC

PEOPLES FINANCIAL SERVICES CORP. Reports Unaudited Third Quarter and Year to Date 2025 Earnings

Read more