PFIS · Peoples Financial Services Corp. - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | - | - |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - | - | - | - | - |
| D&A | - | - | - | - | - | - | - | - | - | - |
| Operating Income | $18.52M | - | $18.84M | $20.42M | $18.25M | - | ($4.99M) | $3.70M | $3.94M | - |
| Interest Expense | - | - | - | - | - | - | - | - | $19.68M | - |
| Income Tax | $3.77M | - | $3.60M | $3.46M | $3.24M | - | ($657.0K) | $421.0K | $478.0K | - |
| Net Income | $14.75M | - | $15.25M | $16.96M | $15.01M | - | ($4.34M) | $3.28M | $3.47M | - |
| EPS - Basic | $1.47 | - | $1.53 | $1.70 | $1.50 | - | ($0.43) | $0.47 | $0.49 | - |
| EPS - Diluted | $1.47 | - | $1.51 | $1.68 | $1.49 | - | ($0.43) | $0.46 | $0.49 | - |
Balance Sheet
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $328.61M | $268.98M | $179.92M | $175.74M | $77.10M | $135.85M | $285.47M | $49.96M | $109.97M | $187.37M |
| Accounts Receivable | - | - | - | - | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - | - | - | - | - |
| Total Assets | $5.42B | $5.27B | $5.16B | $5.11B | $5.00B | $5.09B | $5.36B | $3.62B | $3.67B | $3.74B |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - |
| Long-term Debt | - | - | - | - | - | - | - | - | - | - |
| Total Liabilities | $4.90B | $4.75B | $4.65B | $4.61B | $4.52B | $4.62B | $4.89B | $3.28B | $3.33B | $3.40B |
| Stockholders' Equity | $525.50M | $519.85M | $509.26M | $494.10M | $481.85M | $468.95M | $475.05M | $340.81M | $339.99M | $340.42M |
| Retained Earnings | $282.00M | $273.50M | $267.69M | $258.60M | $247.81M | $238.96M | $239.02M | $249.51M | $249.12M | $248.55M |
Cash Flow
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $8.30M | - | - | - | $9.07M | - | - | - | $3.23M | - |
| Investing Cash Flow | ($80.26M) | - | - | - | $40.66M | - | - | - | ($5.30M) | - |
| Financing Cash Flow | $131.59M | - | - | - | ($108.48M) | - | - | - | ($75.32M) | - |
| CapEx | $1.81M | - | - | - | $499.0K | - | - | - | $216.0K | - |
| Free Cash Flow | $6.49M | - | - | - | $8.57M | - | - | - | $3.01M | - |
Ratios
| Metric | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||
| Gross margin | - | - | - | - | - | - | - | - | - | - |
| Operating margin | - | - | - | - | - | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - | - | - | - | - | - |
| Net margin | - | - | - | - | - | - | - | - | - | - |
| Free cash flow margin | - | - | - | - | - | - | - | - | - | - |
| FCF / Net income | 0.44 | - | - | - | 0.57 | - | - | - | 0.87 | - |
| R&D / Revenue | - | - | - | - | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - | - | - | - | - |
| Effective tax rate | 20.4% | - | 19.1% | 17.0% | 17.8% | - | - | 11.4% | 12.1% | - |
| Return on assets | 0.3% | - | 0.3% | 0.3% | 0.3% | - | -0.1% | 0.1% | 0.1% | - |
| Return on equity | 2.8% | - | 3.0% | 3.4% | 3.1% | - | -0.9% | 1.0% | 1.0% | - |
| Return on invested capital | - | - | - | - | - | - | - | - | - | - |
| Liquidity | ||||||||||
| Current ratio | - | - | - | - | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - | - | - | - | - |
| Leverage | ||||||||||
| Debt / Equity | - | - | - | - | - | - | - | - | - | - |
| Debt / Assets | - | - | - | - | - | - | - | - | - | - |
| Debt / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Interest coverage | - | - | - | - | - | - | - | - | 0.2x | - |
| Equity multiplier | 10.32 | 10.14 | 10.13 | 10.34 | 10.38 | 10.86 | 11.28 | 10.61 | 10.79 | 10.99 |
| Liabilities / Assets | 0.90 | 0.90 | 0.90 | 0.90 | 0.90 | 0.91 | 0.91 | 0.91 | 0.91 | 0.91 |
| Efficiency | ||||||||||
| Asset turnover | - | - | - | - | - | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - | - | - | - | - |
| Valuation | ||||||||||
| P / E | 36.3x | - | 32.2x | 29.4x | 29.8x | - | - | 99.0x | 88.0x | - |
| P / B | 1.0x | - | 1.0x | 1.0x | 0.9x | - | 1.0x | 1.0x | 0.9x | - |
| P / S | - | - | - | - | - | - | - | - | - | - |
| EV / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Growth | ||||||||||
| Revenue growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Operating income growth (YoY) | 1.4% | - | - | 451.5% | 362.8% | - | - | -67.0% | -56.0% | - |
| Net income growth (YoY) | -1.7% | - | - | 416.6% | 333.0% | - | - | -65.2% | -54.3% | - |
| EPS growth (YoY) | -1.3% | - | - | 265.2% | 204.1% | - | - | -64.9% | -53.3% | - |
| EPS CAGR (3y) | 11.9% | - | 3.0% | 8.9% | 3.9% | - | - | -26.9% | -27.9% | - |
| EPS CAGR (5y) | 2.3% | - | 5.8% | 10.3% | 16.0% | - | - | -13.7% | -10.8% | - |
| FCF growth (YoY) | -24.3% | - | - | - | 184.8% | - | - | - | 47.3% | - |
| FCF CAGR (5y) | -10.2% | - | - | - | -3.7% | - | - | - | -14.9% | - |
| Book value growth (YoY) | 9.1% | 10.9% | 7.2% | 45.0% | 41.7% | 37.8% | 46.4% | 2.7% | 3.5% | 8.0% |
Sales by segment
From XBRL dimensional facts in the 10-K period ending 2025-12-31.
Product / service
$20.14M totalBank Servicing$13.62M · 67.6%
Asset Management1$2.96M · 14.7%
Commission And Fees On Fiduciary Activities$2.27M · 11.3%
Credit Card$1.30M · 6.4%
Peer comparison
Same SIC group: National Commercial Banks
Comparing PEOPLES FINANCIAL SERVICES CORP. against the 5 most active filers in the same SIC group.
Dividends
$2.49/share trailing 12 months · +0.6% YoY
| Ex-date | Per share |
|---|---|
| May 29, 2026 | $0.6250 |
| Feb 27, 2026 | $0.6250 |
| Nov 28, 2025 | $0.6180 |
| Aug 29, 2025 | $0.6180 |
| May 30, 2025 | $0.6180 |
| Feb 28, 2025 | $0.6180 |
| Nov 29, 2024 | $0.6180 |
| Aug 30, 2024 | $0.6180 |
| May 31, 2024 | $0.4100 |
| Feb 28, 2024 | $0.4100 |
| Nov 29, 2023 | $0.4100 |
| Aug 30, 2023 | $0.4100 |
| May 30, 2023 | $0.4100 |
| Feb 27, 2023 | $0.4100 |
| Nov 29, 2022 | $0.4000 |
| Aug 30, 2022 | $0.4000 |
| May 27, 2022 | $0.3900 |
| Feb 25, 2022 | $0.3900 |
| Nov 29, 2021 | $0.3800 |
| Aug 30, 2021 | $0.3800 |
| May 27, 2021 | $0.3700 |
| Feb 25, 2021 | $0.3700 |
| Nov 27, 2020 | $0.3600 |
| Aug 28, 2020 | $0.3600 |