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Peoples Financial Services
Peoples Financial Services (PFIS) investor relations material
Peoples Financial Services Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary30 Jan, 2026
Executive summary
Net income for Q4 2025 was $12.0 million ($1.19 per diluted share), down from $15.2 million in Q3 2025 but up from $6.1 million in Q4 2024, impacted by a $2.2 million pre-tax loss on securities repositioning.
Full-year 2025 net income was $59.2 million ($5.88 per diluted share), a significant increase from $8.5 million in 2024, driven by the FNCB merger and lower credit loss provisions.
Core net income (non-GAAP) for Q4 2025 was $13.7 million ($1.36 per share), and for the year was $61.1 million ($6.07 per share).
Financial highlights
Net interest income (FTE) for Q4 2025 rose to $43.7 million from $39.2 million in Q4 2024; full-year 2025 was $168.7 million, up from $118.4 million in 2024.
Noninterest income for Q4 2025 was $3.7 million, down from $5.5 million in Q4 2024 due to a $2.2 million loss on securities sales; full-year noninterest income was $21.7 million, up from $18.3 million.
Noninterest expense for Q4 2025 was $31.1 million, down from $34.8 million in Q4 2024; full-year expense was $115.4 million, up from $106.7 million, reflecting merger-related growth.
Provision for credit losses was $1.0 million in Q4 2025, down from $3.4 million in Q4 2024; full-year provision was $98 thousand, down from $19.1 million.
Outlook and guidance
Management expects the repositioning of the investment portfolio to benefit future periods, with the after-tax loss expected to be recovered within 10 months.
Focus remains on disciplined growth, operating efficiency, and long-term shareholder value.
AFS repositioning: Expected annual yield benefit
Uninsured deposits: Collateralization strategy
Nonperforming assets: Drivers of reduction
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Next Peoples Financial Services earnings date
Q1 202630 Apr, 2026
Peoples Financial Services
Next Peoples Financial Services earnings date
Q1 202630 Apr, 2026
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Frequently asked questions
Peoples Financial Services Corp. is the bank holding company for Peoples Security Bank and Trust Company, providing a wide range of commercial and retail banking services. The company offers various deposit products including savings, demand deposit, and certificates of deposit accounts. Its lending services encompass residential real estate, commercial real estate, personal, and business loans, among others. Additionally, Peoples Financial Services Corp. provides fiduciary and investment services, such as estate administration and investment management, as well as wealth management and retirement planning services. The company is headquartered in Scranton, Pennsylvania, and its shares are listed on the NASDAQ.
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