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Peoples Financial Services Corp. 10-Q Filings

PFIS NASDAQ

Every 10-Q that Peoples Financial Services Corp. (PFIS) has filed with the SEC in the last 24 months is listed below, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.

A 10-Q covers the quarterly report filed between annual reports, so if you follow PFIS and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full PFIS filings page.

Rhea-AI Summary

Peoples Financial Services Corp. reported second-quarter 2026 net income of 14,805 (dollars in thousands), down from 16,956 a year earlier, with basic and diluted EPS of $1.48 versus $1.70 and $1.68. Net interest income rose to 45,604, but the provision for credit losses increased to 3,105 from a 239 benefit, offsetting that improvement. Noninterest income was 6,534 and noninterest expense grew to 30,610.

For the first six months of 2026, net income was 29,552 versus 31,965 in 2025, while loans expanded to 4,302,821 and deposits to 4,508,852 as of June 30, 2026. Total assets reached 5,440,546 and stockholders’ equity was 536,185, with the allowance for credit losses increasing to 42,311 and nonaccrual loans to 13,667.

The board declared a third-quarter 2026 dividend of $0.6250 per share, payable September 15, 2026 to shareholders of record on August 31, 2026, maintaining the prior quarter’s dividend level.

Rhea-AI Summary

Peoples Financial Services Corp. reported stable first-quarter 2026 results while modestly growing its balance sheet. Total assets reached $5.42 billion at March 31, 2026, up from $5.27 billion at year-end, driven mainly by higher loans.

Net income for the quarter was $14.7 million versus $15.0 million a year earlier, as stronger net interest income of $42.9 million and higher noninterest income were offset by a significantly larger provision for credit losses of $1.4 million compared with $0.2 million. Diluted earnings per share were $1.47, and the company declared quarterly dividends of $0.6250 per share.

Total loans increased to $4.19 billion from $4.07 billion, while total deposits were essentially flat at $4.43 billion. The allowance for credit losses rose slightly to $39.6 million, and nonaccrual loans stood at $11.4 million. Stockholders’ equity improved to $525.5 million, reflecting retained earnings growth despite negative other comprehensive income.

Rhea-AI Summary

Peoples Financial Services Corp. reported a profitable quarter. For Q3, net income was $15.2 million compared with a loss a year ago, and diluted EPS was $1.51. Net interest income rose to $41.2 million, helped by a credit loss release of $0.8 million versus a $14.5 million provision last year. Noninterest expense declined to $28.7 million from $35.5 million as prior acquisition costs rolled off.

The balance sheet expanded modestly: total assets reached $5.16 billion. Loans were $4.02 billion and deposits were $4.29 billion, compared with $3.99 billion and $4.41 billion at year‑end, respectively. Stockholders’ equity increased to $509.3 million, with accumulated other comprehensive loss improving to $29.2 million from $40.7 million at year‑end. Subordinated debt rose to $83.1 million.

Year to date, net income was $47.2 million with diluted EPS of $4.69. The board declared a $0.6175 per‑share dividend for Q4, payable December 15, 2025 to shareholders of record November 28, 2025. Shares outstanding were 9,994,595 as of November 1, 2025.

Rhea-AI Summary

Peoples Financial Services Corp. (PFIS) reported a materially stronger quarter for the period ended June 30, 2025, delivering net income of $16.956 million for the quarter and $31.965 million for the six months. Earnings per share rose to $1.70 basic for the quarter and $3.20 basic for six months, supported by higher interest income on loans (taxable loan interest $57.459 million for the quarter) that pushed net interest income to $42.197 million for the quarter and $81.745 million for six months.

On the balance sheet, total assets were $5.108 billion with loans of $3.998 billion and deposits of $4.287 billion (down from $4.408 billion at December 31, 2024). The allowance for credit losses was $40.890 million. The company completed the FNCB acquisition (consideration ~$133.7 million, issuance of 2,935,456 shares) which increased goodwill to $75.986 million and added intangibles now being amortized. Management also declared a quarterly dividend of $0.6175 per share.