Peoples Finl Svcs Corp Stock Price, News & Analysis

Peoples Financial Services Corp. (NASDAQ: PFIS) declared a first-quarter cash dividend of $0.6250 per share, payable March 13, 2026 to shareholders of record February 27, 2026. The dividend represents a 1.2% increase versus the fourth quarter of 2025.

Peoples is the bank holding company for Peoples Security Bank and Trust Company, operating 40 full-service community banking offices across counties in Pennsylvania, Middlesex County NJ and Broome County NY, offering retail and commercial financial products and services.

Peoples Financial Services Corp. (NASDAQ: PFIS) announced that Thomas P. Tulaney will retire as President of PFIS and President and Director of Peoples Security Bank and Trust Company effective April 3, 2026. Mr. Tulaney was appointed President on January 1, 2025 and has over 40 years of banking experience.

Following retirement he is expected to serve as a Senior Advisor to assist leadership transition, provide strategic help, and remain involved in customer and community relationships. Subject to committee review, CEO Gerard A. Champi is anticipated to assume the President role upon retirement.

Peoples Financial Services Corp. (NASDAQ: PFIS) declared a fourth-quarter cash dividend of $0.6175 per share. The dividend is payable December 15, 2025 to shareholders of record on November 28, 2025.

Peoples is the bank holding company for Peoples Security Bank and Trust Company, operating 39 full-service community banking offices across parts of Pennsylvania, Middlesex County NJ and Broome County NY. The release also reiterates standard forward-looking cautionary language and references the July 1, 2024 merger with FNCB Bancorp.

Peoples Financial Services Corp. (NASDAQ: PFIS) reported unaudited Q3 2025 net income of $15.2M or $1.51 per diluted share, up from a net loss of $4.3M in Q3 2024 and down from $17.0M in Q2 2025. Year-to-date net income was $47.2M or $4.69 per diluted share through Sept. 30, 2025.

Key results: ROAE annualized 12.02%, ROAA 1.19%, book value per share $50.95, tangible book $40.43, NIM (FTE) 3.54%, and a provision credit of $0.8M in Q3. Results reflect benefits from the July 1, 2024 FNCB merger, higher net interest income, lower provision for credit losses, and merger-related comparatives.

Peoples Financial Services Corp. (NASDAQ: PFIS) reported strong Q2 2025 financial results, with net income of $17.0 million ($1.68 per diluted share), up from $15.0 million in Q1 2025. For H1 2025, net income reached $32.0 million ($3.18 per diluted share), a significant increase from $6.7 million in H1 2024.

Key performance metrics showed improvement with ROAA at 1.36% and ROAE at 13.87% for Q2 2025. The company's efficiency ratio improved to 53.92%, while net interest margin increased to 3.69%. Notable achievements include a 50.6% dividend increase year-over-year and the successful integration of FNCB Bancorp merger completed in July 2024.

In June 2025, PFIS executed a strategic debt refinancing, redeeming $33.0 million of subordinated notes and issuing $85.0 million of new 7.75% fixed-to-floating rate subordinated notes due 2035.

Peoples Financial Services Corp. (NASDAQ: PFIS) has declared a quarterly cash dividend of $0.6175 per share for the third quarter of 2025. The dividend will be payable on September 15, 2025 to shareholders of record as of August 29, 2025.

Peoples operates as the holding company for Peoples Security Bank and Trust Company, serving customers through 39 full-service community banking offices across Pennsylvania, New Jersey, and New York. The announcement comes following the company's recent merger with FNCB Bancorp, Inc., which was completed on July 1, 2024.

Peoples Financial Services Corp (NASDAQ: PFIS) has successfully completed a private placement of $85.0 million in Fixed-to-Floating Rate Subordinated Notes due 2035. The Notes will initially carry a 7.75% interest rate until June 15, 2030, paid semi-annually, after which they will switch to a floating rate of Three-Month Term SOFR plus 411 basis points, paid quarterly. The oversubscribed offering, structured to qualify as Tier 2 capital, will be used for general corporate purposes and to redeem existing subordinated debt. The Notes are redeemable after June 15, 2030, or upon certain events. Management highlighted the strong demand and favorable terms, attributing the success to their recent merger with FNCB Bancorp and strong Q1 performance. Performance Trust Capital Partners served as sole placement agent.

KBRA has assigned key ratings to Peoples Financial Services Corp. (NASDAQ: PFIS) and its subsidiary, Peoples Security Bank and Trust Company, with a Stable outlook. The company's core strengths include a strong funding profile with 93% core deposits and favorable cost structure. Following the FNCB acquisition in Q3 2024, PFIS has seen improved performance with NIM benefiting from purchase accounting accretion (+32 bps in Q1 2025). The bank maintains solid asset quality with historically low non-performing assets (NPAs) and net charge-offs (NCOs). While CRE concentration is elevated at 311% of risk-based capital, office exposure is limited to 6% of total loans. The CET1 ratio stands at 10.6% as of Q1 2025, with management focusing on rebuilding capital metrics through 2025.

Peoples Financial Services Corp. (NASDAQ: PFIS) reported strong Q1 2025 financial results with net income of $15.0 million ($1.49 per diluted share), compared to $6.1 million ($0.61 per diluted share) in Q4 2024. The company saw significant improvements in key metrics, with Return on Average Assets at 1.22% and Return on Average Equity at 12.70%. The performance boost was primarily driven by higher net interest income, lower provision for credit losses, and reduced noninterest expenses. The results reflect the successful integration of FNCB Bancorp merger (completed July 2024), with merger-related expenses decreasing to $0.2 million from $5.0 million in Q4 2024. Notable achievements include a 50.6% increase in quarterly dividend to $0.6175 per share and improved efficiency ratio of 55.77%.