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Peoples Financial Services (PFIS) investor relations material
Peoples Financial Services Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary30 Oct, 2025
Executive summary
Net income for Q3 2025 was $15.2 million ($1.51 per diluted share), up from a net loss of $4.3 million in Q3 2024, driven by lower provision for credit losses, higher net interest income, and reduced noninterest expenses.
Year-to-date net income reached $47.2 million ($4.69 per diluted share), up from $2.4 million in the same period of 2024, primarily due to the FNCB merger and related purchase accounting impacts.
Completed merger with FNCB on July 1, 2024, expanding scale, diversifying earnings, and increasing transaction volumes.
Transitioned into a new headquarters and recognized a loss on pending sales of administrative properties.
Financial highlights
Total assets reached $5.16 billion at September 30, 2025, with net loans at $4.02 billion and total deposits at $4.29 billion.
Net interest income for Q3 2025 was $41.9 million, up $1.9 million year-over-year; for the nine months, $125.0 million, up $45.9 million.
Noninterest income for Q3 2025 was $5.5 million, with a $0.6 million impairment charge on property sales.
Noninterest expense for Q3 2025 was $28.7 million, down $6.8 million year-over-year due to lower acquisition-related costs.
Tangible book value per share increased to $40.43; book value per share rose to $50.95 at September 30, 2025.
Outlook and guidance
Management expects continued uncertainty in economic conditions and interest rates, with a focus on disciplined credit quality, efficiency, and long-term growth.
The company believes liquidity and capital positions are strong, with adequate resources to meet obligations and support growth.
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Next Peoples Financial Services earnings date
Q4 20255 Feb, 2026
Next Peoples Financial Services earnings date
Q4 20255 Feb, 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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