Peoples Financial Services Corp.

Peoples Financial Services Corp.

PFISยทNASDAQ

$57.46

-3.0%
Financial ServicesBanks - Regional

Peoples Financial Services Corp. operates as the bank holding company for Peoples Security Bank and Trust Company that provides various commercial and retail banking services. The company accepts money market, NOW, savings, individual retirement, demand deposit, and certificates of deposit accounts. It also provides residential real estate, automobile, manufactured housing, personal, and home equity loans; and commercial real estate, working capital, construction, small business administration, and agricultural loans, as well as loans for equipment and other commercial needs, and mineral rights. In addition, the company offers investment management, IRA trustee, estate administration, living and life insurance trust, trustee under will, guardianship, custodial/IRA custodial, and corporate trust services, as well as pension and profit sharing plans. Further, it provides investment portfolio management, estate and business succession planning, annuities, insurance, retirement plan, and tax planning, as well as education funding strategies; and securities and brokerage, and investor services. Additionally, the company offers small business checking and merchant money market accounts, online and telephone banking, business credit cards, merchant line of credit, and financial checkup services; and remote deposit capture, automatic clearing house transaction, cash management, automated teller machine, point of sale transaction, safe deposit box, night depository, direct deposit, and official check services. It serves business, non-profit, governmental, municipal agency, and professional customers, as well as retail customers through 28 full-service community banking offices located in Allegheny, Bucks, Lackawanna, Lebanon, Lehigh, Luzerne, Monroe, Montgomery, Northampton, Susquehanna, and Wyoming Counties of Pennsylvania; Middlesex County of New Jersey; and Broome County of New York. The company was founded in 1905 and is headquartered in Scranton, Pennsylvania.

At a Glance

Live Snapshot
Market Cap$575.23M
EPS5.9200
P/E Ratio9.71
Earnings Date07/30/2026
3Y+127.0%
5Y+154.0%
10Y+243.0%
3Y+55.0%
5Y+102.0%
10Y+202.0%
3Y+28.0%
5Y+46.0%
10Y+93.0%
Peoples Financial Services Corp.

Peoples Financial Services Corp. Profit Bridge

PFIS ยท NASDAQ
Revenue280.95M
Cost of Goods Sold (93.83M)
Gross Profit187.12M
Operating Expenses (114.89M)
Operating Income72.23M
Interest Expense (93.73M)
Other Income/Expense0.00
Pretax Income72.23M
Income Tax (13.05M)
Net Income59.19M
Net Income
59.19M

Profitability Analysis

Gross Margin

66.6%

Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.

Operating Margin

25.7%

Outstanding operational efficiency. The company generates substantial profit from core operations.

Net Profit Margin

21.1%

Exceptional profitability. The company converts a significant portion of revenue to bottom-line earnings.

Effective Tax Rate

18.1%

Moderate tax rate typical for most corporations. Represents standard tax burden on profits.

Profitability Insight

Exceptional profitability across all levels: Strong pricing power, efficient operations, and healthy bottom line indicate a high-quality business with sustainable competitive advantages.

Peoples Financial Services Corp. Income Statement

PFIS โ€ข NASDAQ

Peoples Financial Services Corp. Income StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 2006
REVENUE
281M
229.8M
164M
123.7M
107.8M
110.8M
108.5M
98.3M
89.2M
81.9M
76.1M
77M
46.6M
46.3M
49.2M
30M
27.6M
28.9M
27.9M
25.5M
GROSS PROFIT
(93.8M)
(114.6M)
(63.7M)
(15.1M)
(11.2M)
(21.7M)
(24M)
(17.5M)
(13.5M)
(12.3M)
(9.7M)
(10.2M)
(6.5M)
(6.3M)
(9.7M)
(8.7M)
(9M)
(9.9M)
(11.4M)
(11.1M)
187.1M
115.2M
100.3M
108.5M
96.6M
89M
84.5M
80.8M
75.7M
69.6M
66.4M
66.8M
40.1M
40M
39.4M
21.3M
18.6M
19.1M
16.5M
14.4M
OPERATING INCOME
(114.9M)
(106.7M)
(67.8M)
(63.2M)
(43.1M)
(54.9M)
(55.6M)
(52.5M)
(49M)
(45M)
(44.1M)
(43.7M)
(33.9M)
(26.4M)
(25.9M)
(13.4M)
(12.6M)
(15.9M)
(10.6M)
(9.5M)
(83.8M)
(48.9M)
(37.4M)
(34.9M)
(30.9M)
(31M)
(32M)
(29.5M)
(27.5M)
(23.5M)
(21.5M)
(20.7M)
(16M)
(14.1M)
(14M)
(5.5M)
(8.1M)
(6.6M)
(4.8M)
(4.5M)
72.2M
8.5M
32.5M
45.4M
53.5M
34.2M
28.9M
28.3M
26.6M
24.6M
22.2M
23.1M
6.2M
13.6M
13.6M
7.9M
6M
3.1M
6M
4.9M
PRE-TAX INCOME
(93.7M)
(95.5M)
(63.1M)
(15.6M)
(9.4M)
(14.3M)
(17.9M)
(13.3M)
(8.7M)
(7.3M)
(6M)
(6.6M)
(4.2M)
(5.4M)
(7.3M)
(6.5M)
(7.3M)
(9.2M)
(11.1M)
(10.8M)
166M
115.9M
86.8M
95.7M
84.6M
79.7M
75.4M
71.3M
65.5M
61.7M
57M
57.3M
33.1M
32.2M
32.3M
19M
17M
16.3M
13.5M
11.9M
(31.1M)
(57.8M)
(30.4M)
(28.3M)
(12.2M)
(23.9M)
(23.6M)
(23M)
(21.5M)
(21.5M)
(22.6M)
(23M)
(17.9M)
(12.2M)
(11.9M)
(7.9M)
(4.5M)
(9.3M)
(5.8M)
(5M)
72.2M
8.5M
32.5M
45.4M
53.5M
34.2M
28.9M
28.3M
26.6M
24.6M
22.2M
23.1M
6.2M
13.6M
13.6M
7.9M
6M
3.1M
6M
4.9M
NET INCOME
(13M)
-30K
(5.1M)
(7.3M)
(10M)
(4.8M)
(3.2M)
(3.4M)
(8.2M)
(5M)
(4.5M)
(5.5M)
(485K)
(3.1M)
(3M)
(1.4M)
(923K)
(87K)
(1.1M)
(772K)
59.2M
8.5M
27.4M
38.1M
43.5M
29.4M
25.7M
24.9M
18.5M
19.6M
17.7M
17.6M
5.7M
10.6M
10.5M
6.5M
5M
3M
4.9M
4.1M

SEC Filings

PFIS - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
8-K

8-K 2026

N/A

May 27, 2026
May 22, 2026
2026
8-K

8-K 2026

N/A

May 15, 2026
May 15, 2026
2026
10-Q

10-Q 2026 Q1

Q1

May 08, 2026
March 31, 2026
2026
8-K

8-K 2026

N/A

April 30, 2026
April 30, 2026
2026
DEF 14A

DEF 14A 2026

N/A

April 10, 2026
May 22, 2026
2026
8-K

8-K 2026

N/A

April 02, 2026
March 27, 2026
2026
8-K

8-K 2026

N/A

March 16, 2026
March 16, 2026
2026
10-K

10-K 2025 FY

FY

March 16, 2026
December 31, 2025
2025
8-K

8-K 2026

N/A

January 30, 2026
January 30, 2026
2026
8-K

8-K 2026

N/A

January 30, 2026
January 30, 2026
2026
Showing 1 to 10 of 418 filings