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Peoples Ltd. Announces Third Quarter Results

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Peoples Ltd. (OTC: PPLL) reported third quarter 2025 net income of $3.012M or $1.74 per share, up 62.54% versus Q3 2024. Excluding $553,000 of life insurance proceeds, Q3 net income was $2.459M or $1.42, up 32.70% year-over-year. Consolidated year-to-date net income was $7.314M or $4.23 per share, a 38.28% increase versus the nine months ended Sept 30, 2024; excluding the life insurance proceeds YTD net income was $6.761M or $3.91, up 27.83%.

Balance-sheet growth: total assets +$51.459M (8.15%) to $629.405M, deposits +$38.867M (7.61%) to $549.507M, and loans +$34.344M (9.05%) to $413.732M versus Dec 31, 2024. Year-to-date return on assets was 1.63% and return on average equity was 16.79%.

Peoples Ltd. (OTC: PPLL) ha riportato nel terzo trimestre 2025 un reddito netto di 3,012 M$ o 1,74$ per azione, in aumento del 62,54% rispetto al Q3 2024. Escludendo 553.000$ di proventi assicurativi sulla vita, il reddito netto del Q3 è stato di 2,459 M$ o 1,42$ per azione, in aumento del 32,70% anno su anno. Il reddito netto consolidato da inizio anno è stato di 7,314 M$ o 4,23$ per azione, un aumento del 38,28% rispetto ai nove mesi terminati il 30 settembre 2024; escludendo i proventi dell’assicurazione sulla vita, il reddito netto YTD è stato di 6,761 M$ o 3,91$, in crescita del 27,83%.

Crescita del bilancio: attivi totali +51,459 M$ (8,15%) a 629,405 M$, depositi +38,867 M$ (7,61%) a 549,507 M$, e prestiti +34,344 M$ (9,05%) a 413,732 M$ rispetto al 31 dic 2024. Il rendimento annuo sui beni è 1,63% e il rendimento medio sul patrimonio è 16,79%.

Peoples Ltd. (OTC: PPLL) reportó en el tercer trimestre de 2025 un ingreso neto de $3.012 millones o $1,74 por acción, un 62,54% más que en el Q3 de 2024. Excluyendo $553,000 de ingresos por seguros de vida, el ingreso neto del Q3 fue de $2,459 millones o $1,42 por acción, un 32,70% año con año. El ingreso neto consolidado acumulado fue de $7,314 millones o $4,23 por acción, un incremento del 38,28% frente a los nueve meses finalizados el 30 de septiembre de 2024; excluyendo los ingresos por seguros de vida, el ingreso neto YTD fue de $6,761 millones o $3,91, un alza del 27,83%.

Crecimiento del balance: activos totales +$51,459M (8,15%) a $629,405M, depósitos +$38,867M (7,61%) a $549,507M, y préstamos +$34,344M (9,05%) a $413,732M frente al 31 de dic de 2024. El rendimiento sobre activos (ROA) en lo que va del año fue 1,63% y el rendimiento sobre el patrimonio promedio (ROE) fue 16,79%.

Peoples Ltd. (OTC: PPLL) 는 2025년 3분기 순이익이 $3.012M 또는 주당 $1.74로 2024년 3분기 대비 62.54% 증가했다고 발표했습니다. 생명보험 수익 $553,000를 제외하면 3분기 순이익은 $2.459M 또는 주당 $1.42로 연간 비교 대비 32.70% 증가했습니다. 연간 누적 순이익은 $7.314M 또는 주당 $4.23로 2024년 9개월 종료일인 9월 30일 대비 38.28% 증가했습니다. 생명보험 수익을 제외한 YTD 순이익은 $6.761M 또는 주당 $3.9127.83% 증가했습니다.

대차대조표 성장: 총자산 +$51.459M (8.15%)$629.405M, 예금 +$38.867M (7.61%)$549.507M, 대출 +$34.344M (9.05%)$413.732M으로 2024년 12월 31일 대비 증가했습니다. 연간 자산수익률(ROA)은 1.63%, 평균 자기자본수익률(ROE)은 16.79%입니다.

Peoples Ltd. (OTC: PPLL) a annoncé un résultat net du troisième trimestre 2025 de $3,012M ou $1,74 par action, en hausse de 62,54% par rapport au T3 2024. En excluant $553,000 de produits d’assurance-vie, le résultat net du T3 était de $2,459M ou $1,42 par action, en hausse de 32,70% sur un an. Le résultat net consolidé cumulatif est de $7,314M ou $4,23 par action, en hausse de 38,28% par rapport aux neuf mois clos le 30 septembre 2024; en excluant les produits d’assurance-vie, le net year-to-date est de $6,761M ou $3,91, en hausse de 27,83%.

Croissance du bilan : actifs totaux + $51,459M (8,15%) à $629,405M, dépôts + $38,867M (7,61%) à $549,507M, et prêts + $34,344M (9,05%) à $413,732M par rapport au 31 déc. 2024. Le rendement sur actifs (ROA) cumulé est 1,63% et le rendement moyen sur capitaux propres (ROE) est 16,79%.

Peoples Ltd. (OTC: PPLL) meldete für das dritte Quartal 2025 einen Nettogewinn von $3,012M oder $1,74 pro Aktie, eine Steigerung von 62,54% gegenüber dem Q3 2024. Ohne $553.000 Lebensversicherungserträge betrug der Nettogewinn im Q3 $2,459M bzw. $1,42 pro Aktie, ein Anstieg um 32,70% im Jahresvergleich. Der konsolidierte Nettogewinn von Jahresbeginn betrug $7,314M oder $4,23 pro Aktie, eine Steigerung von 38,28% gegenüber den neun Monaten bis zum 30. September 2024; ohne die Lebensversicherungserträge betrug der YTD-Nettogewinn $6,761M bzw. $3,91, ein Plus von 27,83%.

Bilanzwachstum: Gesamtaktiva +$51,459M (8,15%) auf $629,405M, Einlagen +$38,867M (7,61%) auf $549,507M, und Kredite +$34,344M (9,05%) auf $413,732M gegenüber dem Stichtag 31.12.2024. Die jahreszeitgleiche Rendite auf Vermögenswerte (ROA) betrug 1,63% und die Rendite auf das durchschnittliche Eigenkapital (ROE) 16,79%.

Peoples Ltd. (OTC: PPLL) أبلغت عن صافي دخل للربع الثالث من عام 2025 قدره $3.012M أو $1.74 للسهم، بزيادة 62.54% مقارنة بالربع الثالث من 2024. باستثناء $553,000 من عوائد التأمين على الحياة، كان صافي دخل الربع الثالث $2.459M أو $1.42 للسهم، بارتفاع 32.70% على أساس سنوي. صافي الدخل الموحد حتى تاريخه كان $7.314M أو $4.23 للسهم، بزيادة 38.28% مقارنة بالأشهر التسعة المنتهية في 30 سبتمبر 2024؛ باستثناء عوائد التأمين على الحياة كان صافي الدخل حتى تاريخه $6.761M أو $3.91، بارتفاع 27.83%.

نمو الميزانية العمومية: الأصول الإجمالية + $51.459M (8.15%) إلى $629.405M، الودائع + $38.867M (7.61%) إلى $549.507M، والقروض + $34.344M (9.05%) إلى $413.732M مقارنة بــ31 ديسمبر 2024. العائد على الأصول للسنة حتى الآن 1.63% والعائد على حقوق الملكية المتوسطة 16.79%.

Peoples Ltd. (OTC: PPLL) 报告 2025 年第三季度净利润为 $3.012M,或每股 $1.74,同比增长 62.54%。若剔除生命保险业务收益 $553,000,第三季度净利润为 $2.459M,或每股 $1.42,同比增长 32.70%。年初至今的合并净利润为 $7.314M,或每股 $4.23,较截至 2024 年 9 月 30 日的前九个月增长 38.28%;若剔除生命保险收益,YTD 净利润为 $6.761M,或每股 $3.91,增长 27.83%

资产负债表增长:总资产增加 +$51.459M(8.15%)$629.405M,存款增加 +$38.867M(7.61%)$549.507M,贷款增加 +$34.344M(9.05%)$413.732M,较 2024 年 12 月 31 日。年初至今资产回报率(ROA)为 1.63%,平均股本回报率(ROE)为 16.79%

Positive
  • Q3 net income +62.54% year-over-year to $3.012M
  • Q3 net income excluding one-time gain +32.70% to $2.459M
  • YTD net income +38.28% to $7.314M
  • Total assets +8.15% to $629.405M
  • Loans +9.05% to $413.732M
  • Deposits +7.61% to $549.507M
Negative
  • Third-quarter results include a $553,000 life insurance gain boosting income
  • Management cited increases in salaries and operating expenses year-to-date

WYALUSING, Pa., Oct. 23, 2025 /PRNewswire/ -- Peoples Ltd. (OTC: PPLL). Anthony J. Gabello, President and Chief Executive Officer of Peoples Ltd., holding company for PS Bank, has announced results for the third quarter 2025. Net income for the third quarter of 2025 was $3,012,000 or $1.74 per share. Net income for the third quarter of 2025 represents an increase of 62.54% from the third quarter 2024 net income of $1,853,000. Net income from the third quarter 2025 includes income relating to proceeds from a life insurance policy of $553,000. Net income excluding the life insurance proceeds was $2,459,000 or $1.42 per share, which represents an increase of 32.70% from third quarter 2024.

Consolidated net income year-to-date was $7,314,000 or $4.23 earnings per share, an increase of 38.28% from consolidated year-to-date income of $5,289,000 or $3.06 earnings per share for the nine months ended September 30, 2024. Net income excluding the life insurance proceeds was $6,761,000 or $3.91 per share, which represents an increase of 27.83% from net income as of September 30, 2024.

Year-to-date return on assets was 1.63% as of September 30, 2025, compared to 1.31% for the same period in 2024. Year-to-date return on average equity was 16.79% as of September 30, 2025, compared to the prior year-to-date of 14.14%.

Total assets increased 8.15% to $629,405,000 from $581,946,000 as of December 31, 2024. Deposits increased 7.61% to $549,507,000 compared to $510,640,000 as of December 31, 2024. Loans increased 9.05% from $379,388,000 year-end 2024 to $413,732,000 as of September 30, 2025.

"Our bank produced strong results in the third quarter and has performed well year to date 2025. Improved net interest income levels from loan growth and asset repricings, as well as controlled interest expense levels, continued to more than offset increases in salaries and operating expenses throughout the year-to-date. While life insurance gains boosted our income in the third quarter, net income for the quarter still improved by 32.70% over prior year third quarter, excluding this gain. The bank had solid balance sheet growth in the third quarter and year-to-date, with growth in total assets, total loans, and total deposits. Our recently opened Keyser Village Office in Scranton has performed extremely well, exceeding our initial projections, and continues to grow our presence in this market. We remain committed to doing what we do best – providing superior banking services. 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. Peoples Ltd. is traded in the Over-the-Counter market under the symbol PPLL. Learn more about PS Bank at  PSBanking.com .

Cision View original content to download multimedia:https://www.prnewswire.com/news-releases/peoples-ltd-announces-third-quarter-results-302593110.html

SOURCE Peoples Ltd.

FAQ

What were Peoples Ltd. (PPLL) Q3 2025 earnings per share and net income?

Peoples Ltd. reported Q3 2025 net income of $3.012M or $1.74 per share.

How much did Peoples Ltd. (PPLL) net income grow year-over-year in Q3 2025 excluding one-time items?

Excluding a $553,000 life insurance gain, Q3 2025 net income rose 32.70% year-over-year.

What are Peoples Ltd. (PPLL) year-to-date results through Sept 30, 2025?

YTD net income was $7.314M or $4.23 per share, up 38.28% versus the prior year period.

How did Peoples Ltd. (PPLL) balance sheet change by Sept 30, 2025?

Total assets rose 8.15% to $629.405M; loans increased 9.05% to $413.732M; deposits rose 7.61% to $549.507M.

What were Peoples Ltd. (PPLL) profitability metrics for year-to-date Sept 30, 2025?

Year-to-date return on assets was 1.63% and return on average equity was 16.79%.

Did Peoples Ltd. (PPLL) report any one-time items in Q3 2025?

Yes. Q3 included $553,000 of proceeds from a life insurance policy that boosted net income.
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