Peoples Ltd. Announces Fourth Quarter and Annual 2025 Financial Results

Rhea-AI Summary

Peoples Ltd. (OTC: PPLL) reported unaudited fourth-quarter and full-year 2025 results for the year ended December 31, 2025. Q4 net income was $2.796M, up 45.4% from $1.923M a year earlier. FY2025 net income was $10.110M, or $5.59 per share, a 40.1% increase versus 2024.

Total assets rose 10.3% to $641.890M, deposits increased 9.6% to $559.785M, and net loans grew 10.7% to $413.764M. ROA was 1.67% and ROE 16.94% for 2025. FY2025 included $553,000 life insurance proceeds; excluding that, net income was $9.557M.

Positive

• Net income +40.1% year-over-year to $10.11M for 2025
• Quarterly net income +45.4% to $2.796M in Q4 2025
• Total assets +10.3% to $641.89M as of Dec 31, 2025
• Net loans +10.7% to $413.764M, indicating loan growth
• Return on equity improved to 16.94% for 2025

Negative

• FY2025 net income included $553,000 life insurance proceeds, partly boosting results
• Salaries and operational expenses increased, offsetting some income gains

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WYALUSING, Pa., Jan. 30, 2026 /PRNewswire/ -- Peoples Ltd. (OTC: PPLL) Anthony J. Gabello, President and Chief Executive Officer of Peoples Ltd., holding company for PS Bank, has announced unaudited financial results for the fourth quarter 2025 and annual 2025 financial results for the year ending December 31, 2025.

For the quarter ended December 31, 2025, net income totaled $2,796,000 which compares to $1,923,000 for the fourth quarter 2024. This represents an increase of 45.4% or $873,000. Earnings per share of $1.55 compares to fourth quarter 2024 of $1.06 per share. Net income of $10,110,000 for the year ending 2025, or $5.59 earnings per share, reflects a 40.1% increase in net income from $7,214,000, or $3.99 per share as of the year ending December 31, 2024. Net income for 2025 includes income relating to proceeds from a life insurance policy of $553,000 recognized during the third quarter. Net income excluding the life insurance proceeds was $9,557,000 or $5.27 per share, which represents an increase of 32.5% from net income as of December 31, 2024.

Return on assets was 1.67% as of December 31, 2025 compared to 1.32% in 2024. Return on equity was 16.94% as of December 31, 2025 compared to year-end 2024 of 14.14%.

As of December 31, 2025, total assets were $641,890,000 representing an increase of $59,944,000 or 10.3% over year-end 2024. Total deposits increased 9.6% or $49,145,000 to $559,785,000. Net loans increased 10.7% or $40,527,000 to $413,764,000 as of December 31, 2025.

"Our bank finished a successful 2025 campaign, producing strong results and achieving record net income levels for the year. Solid loan growth and asset and loan repricings, combined with controlled interest expense, led to increased net interest income, which more than offset increases in salaries and operational expenses. 

Fourth quarter income for 2025 was an improvement of 45.4% over a solid fourth quarter 2024. For the full 2025 year, net income improved 40.1%, and excluding life insurance proceeds, improved 32.5%.

Our Keyser Village Office in Scranton, which opened in 2025, continues to outperform our expectations and is a positive factor in our growth in the Lackawanna County market. As we enter the new year, we remain committed to providing exceptional banking services on a daily basis. Our focus remains on our shareholders, our customers, and our communities," stated Gabello.

Note: This press release may contain forward-looking statements as defined in the Private Securities Litigation Reform Act of 1995. Actual results and trends could differ materially from those set forth in such statements due to various factors. These factors include operating, legal and regulatory risks; changing economic and competitive conditions and other risks and uncertainties.

Peoples Ltd. is the holding company for PS Bank. PS Bank is an independent community bank, established 1914, with locations throughout Bradford, Sullivan, Wyoming, Lackawanna, and Susquehanna counties. Stock of Peoples Ltd. is traded in the Over-the-Counter market under the symbol PPLL. Learn more about PS Bank at www.PSBanking.com. 

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SOURCE Peoples Ltd.

FAQ

What were Peoples Ltd. (PPLL) Q4 2025 earnings and EPS?

Peoples Ltd. reported Q4 2025 net income of $2.796M, or $1.55 per share. According to the company, this represents a 45.4% increase versus Q4 2024 and reflects improved net interest income and controlled interest expense.

How much net income did Peoples Ltd. (PPLL) report for full-year 2025?

Peoples Ltd. reported full-year 2025 net income of $10.110M, or $5.59 per share. According to the company, this was a 40.1% increase year-over-year and $9.557M excluding $553,000 life insurance proceeds.

What balance sheet growth did Peoples Ltd. (PPLL) report for 2025?

Total assets increased 10.3% to $641.890M and deposits rose 9.6% to $559.785M. According to the company, net loans grew 10.7% to $413.764M, driven by branch performance and loan repricings.

What were Peoples Ltd. (PPLL) profitability ratios for 2025?

Return on assets was 1.67% and return on equity was 16.94% for 2025. According to the company, both metrics improved from 2024, reflecting stronger net income and efficient capital use.

Did any one-time items affect Peoples Ltd. (PPLL) 2025 results?

Yes, 2025 results included $553,000 in life insurance proceeds recognized in Q3 2025. According to the company, excluding that amount, full-year net income was $9.557M, still up 32.5% versus 2024.