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Investor Relations14 Oct 2025
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Peoples Financial Services (PFIS) investor relations material
Peoples Financial Services Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary30 Jul, 2025
Executive summary
Net income for Q2 2025 was $17.0 million ($1.68 per diluted share), up from $3.3 million ($0.46 per share) in Q2 2024 and $15.0 million ($1.49 per share) in Q1 2025, driven by the FNCB merger and higher net interest income.
For the six months ended June 30, 2025, net income was $32.0 million ($3.18 per diluted share), compared to $6.7 million ($0.95 per share) in the prior year period.
The FNCB Bancorp acquisition, completed July 1, 2024, significantly increased assets, loans, deposits, and noninterest income and expenses.
Return on average assets (ROA) was 1.36% and return on average equity (ROE) was 13.87% for Q2 2025, both up sharply year-over-year.
Financial highlights
Net interest income for Q2 2025 was $42.2 million, up from $18.9 million in Q2 2024 and $2.7 million sequentially; for the six months, $81.7 million vs. $38.2 million year-over-year.
Net interest margin increased to 3.69% in Q2 2025 from 2.29% in Q2 2024 and 3.50% in Q1 2025.
Noninterest income for Q2 2025 was $6.2 million, up from $3.6 million in Q2 2024; for the six months, $12.5 million vs. $6.9 million year-over-year.
Noninterest expense for Q2 2025 was $28.3 million, up from $18.2 million in Q2 2024, reflecting merger-related costs and higher compensation.
Book value per share at June 30, 2025 was $49.44; tangible book value per share was $38.75.
Outlook and guidance
Management expects continued benefit from the FNCB merger, with higher earning asset yields and lower deposit costs supporting net interest income.
Interest rate risk is well managed, with simulation models indicating net interest income remains within policy limits under various rate scenarios.
Liquidity and capital positions are strong, supporting future growth and dividend payments.
Forward-looking statements caution on macroeconomic trends, interest rates, inflation, and regulatory changes as potential impacts.
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Next Peoples Financial Services earnings date
Q3 202524 Oct, 2025
Next Peoples Financial Services earnings date
Q3 202524 Oct, 2025
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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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