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Cash Flow
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Balance Sheet
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Income Overview
Revenue
$3,411K
Net Income
$16,765K
Net Profit Margin
491.50%
EPS
$1.48
Unit: Thousand (K) dollars
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Page 1
Quarterly
123
Page 1
Income Statement
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Revenue from contracts with customers-Bank Servicing
3,411
3,157
3,164
3,386
Revenue from contracts with customers-Credit Card
489
180
163
321
Revenue from contracts with customers-Commission And Fees On Fiduciary Activities
588
551
551*
607
Revenue from contracts with customers-Asset Management1
753
646
108*
950
Mortgage banking income
302
241
162
148
Increase in cash surrender value of life insurance
500
497
472
543
Interest rate swap gain
187
660
718
182
Net gains (losses) on equity investment securities
33
456
125
-21
Net gains on sale of investment securities available for sale
-
510
-1,568*
-
Net gains on sale of fixed assets
271
-
-171*
-615
Total noninterest income
6,534
6,898
3,723
5,501
And Fee Income Loans And Leases
59,483
56,316
58,576
57,621
And Fee Income Loans
2,155
2,068
1,658
2,151
Income Securities Taxable
3,926
4,035
4,371
4,335
Income Securities
1,261
1,133
708
537
Dividends
305
259
32
47
Interest on interest-bearing deposits in other banks
622
89
95
101
Interest on federal funds sold
-
804
1,332
372
Total interest income
67,752
64,704
66,772
65,164
Interest on deposits
18,188
18,139
19,830
20,194
Interest on short-term borrowings
536
372
311
341
Interest on long-term debt
1,500
1,404
1,665
1,509
Interest on subordinated debt
1,750
1,749
1,750
1,748
Interest on junior subordinated debt
174
173
182
189
Total interest expense
22,148
21,837
23,738
23,981
Net interest income
45,604
42,867
43,034
41,183
Provision (benefit) for credit losses
3,105
1,387
975
-838
Net interest income after provision (benefit) for credit losses
42,499
41,480
42,059
42,021
Salaries and employee benefits expense
15,087
14,517
14,971
14,128
Net occupancy and equipment expense
7,338
7,675
7,333
7,221
Acquisition related expenses
-
-
0
16
Amortization of intangible assets
1,518
1,517
1,515
1,515
Professional fees and outside services
1,068
1,086
1,856
935
Fdic insurance and assessments
709
756
683
607
Bank shares tax
-
744
-
-
Donations
-
-
-633
-
Advertising and corporate business development
1,449
1,304
-
1,106
Other expenses
3,441
2,264
5,339
3,150
Total noninterest expense
30,610
29,863
31,064
28,678
Income before income taxes
18,423
18,515
14,718
18,844
Income tax expense
3,618
3,768
2,742
3,598
Net income
14,805
14,747
11,976
15,246
Unrealized gains (losses) on investment securities available for sale
2,431
-3,383
2,728
7,415
Reclassification adjustment for net gains on available for sale securities included in net income
-
510
-2,746*
-
Change in benefit plan liabilities
-
-
-168*
-
Change in derivative fair value
80
156
50
18
Other comprehensive income (loss) before taxes
2,511
-3,737
5,693
7,433
Income tax expense (benefit) related to other comprehensive income (loss)
551
-820
1,208
1,621
Other comprehensive income (loss), net of income tax expense (benefit)
1,960
-2,917
4,485
5,812
Comprehensive income
16,765
11,830
16,461
21,058
Basic EPS
1.48
1.47
1.48*
1.53
Diluted EPS
1.48
1.47
1.632
1.51
Diluted Average Shares
10,036,037
10,029,213
10,083,623
10,086,915
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
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Income Statement
And Fee Income Loans
And Leases
$59,483K
(3.52%↑ Y/Y)
Income Securities
Taxable
$3,926K
(-14.73%↓ Y/Y)
And Fee Income Loans
$2,155K
(-6.39%↓ Y/Y)
Income Securities
$1,261K
(216.04%↑ Y/Y)
Interest on
interest-bearing deposits in...
$622K
(547.92%↑ Y/Y)
Dividends
$305K
(662.50%↑ Y/Y)
Total interest income
$67,752K
(3.70%↑ Y/Y)
Net interest income
$45,604K
(8.07%↑ Y/Y)
Revenue from contracts
with customers-Bank...
$3,411K
(-6.91%↓ Y/Y)
Revenue from contracts
with...
$753K
(21.65%↑ Y/Y)
Revenue from contracts
with...
$588K
(4.44%↑ Y/Y)
Increase in cash
surrender value of life...
$500K
(-6.54%↓ Y/Y)
Revenue from contracts
with...
$489K
(-16.27%↓ Y/Y)
Mortgage banking income
$302K
(141.60%↑ Y/Y)
Net gains on sale of
fixed assets
$271K
Interest rate swap gain
$187K
(14.02%↑ Y/Y)
Net gains (losses)
on equity...
$33K
(571.43%↑ Y/Y)
Total interest
expense
$22,148K
(-4.28%↓ Y/Y)
Net interest income
after provision...
$42,499K
(0.15%↑ Y/Y)
Unrealized gains (losses)
on investment...
$2,431K
(30.77%↑ Y/Y)
Change in derivative
fair value
$80K
(400.00%↑ Y/Y)
Total noninterest
income
$6,534K
(4.59%↑ Y/Y)
Provision (benefit) for
credit losses
$3,105K
(1399.16%↑ Y/Y)
Interest on deposits
$18,188K
(-10.42%↓ Y/Y)
Interest on subordinated
debt
$1,750K
(70.57%↑ Y/Y)
Interest on long-term
debt
$1,500K
(23.86%↑ Y/Y)
Interest on short-term
borrowings
$536K
(30.73%↑ Y/Y)
Interest on junior
subordinated debt
$174K
(-7.45%↓ Y/Y)
Income before income
taxes
$18,423K
(-9.78%↓ Y/Y)
Other comprehensive
income (loss) before...
$2,511K
(33.92%↑ Y/Y)
Total noninterest
expense
$30,610K
(8.31%↑ Y/Y)
Net income
$14,805K
(-12.69%↓ Y/Y)
Other comprehensive
income (loss), net of...
$1,960K
(33.70%↑ Y/Y)
Income tax expense
$3,618K
(4.42%↑ Y/Y)
Income tax expense
(benefit) related to other...
$551K
(34.72%↑ Y/Y)
Salaries and employee
benefits expense
$15,087K
(9.64%↑ Y/Y)
Net occupancy and
equipment expense
$7,338K
(16.77%↑ Y/Y)
Other expenses
$3,441K
(5.91%↑ Y/Y)
Amortization of intangible
assets
$1,518K
(-9.86%↓ Y/Y)
Advertising and corporate
business development
$1,449K
(34.92%↑ Y/Y)
Professional fees and outside
services
$1,068K
(-8.56%↓ Y/Y)
Fdic insurance and
assessments
$709K
(-27.36%↓ Y/Y)
Comprehensive income
$16,765K
(-8.99%↓ Y/Y)
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PEOPLES FINANCIAL SERVICES CORP. (PFIS)
PEOPLES FINANCIAL SERVICES CORP. (PFIS)