Peoples Financial Services Corp. (PFIS) quarterly income statement — complete revenue, gross profit & net income history
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 | Q2'21 |
|---|
| Net Interest Income | 42.87M | 43.03M | 41.14M | 42.16M | 39.51M | 38.48M | 39.19M | 18.91M | 19.32M | 20.27M | 21.28M | 22.09M | 23.04M | 24.41M | 25M | 23.7M | 22.63M | 21.59M | 21.96M | 20.27M |
| NII Growth % | 8.5% | 11.83% | 4.97% | 122.89% | 104.53% | 89.85% | 84.18% | -14.39% | -16.17% | -16.97% | -14.89% | -6.8% | 1.82% | 13.08% | 13.83% | 16.98% | 9.09% | 9.13% | 10.35% | -1.06% |
| Net Interest Margin % | 0.79% | 0.82% | 0.8% | 0.83% | 0.79% | 0.76% | 0.73% | 0.52% | 0.53% | 0.54% | 0.56% | 0.6% | 0.63% | 0.69% | 0.71% | 0.69% | 0.67% | 0.64% | 0.68% | 0.68% |
| Interest Income | 64.7M | 66.77M | 65.12M | 65.3M | 62.38M | 65.77M | 68.23M | 38.37M | 38.99M | 40.07M | 38.77M | 36.73M | 34.28M | 31.64M | 29.23M | 25.89M | 24.57M | 23.65M | 24.14M | 22.74M |
| Interest Expense | 21.84M | 23.74M | 23.98M | 23.14M | 22.88M | 27.29M | 29.04M | 19.46M | 19.68M | 19.8M | 17.49M | 14.64M | 11.23M | 7.23M | 4.23M | 2.19M | 1.94M | 2.06M | 2.18M | 2.47M |
| Loan Loss Provision | 1.39M | 975K | -838K | -239K | 200K | 3.37M | 14.46M | 596K | 708K | 1.67M | -166K | -2.2M | 1.26M | -2.15M | 450K | 950K | 300K | 0 | 400K | 100K |
| Non-Interest Income | 6.9M | 3.72M | 6.16M | 6.29M | 5.62M | 5.7M | 5.78M | 3.54M | 3.4M | 3.21M | 3.71M | 3.55M | 3.68M | 1.23M | 3.32M | 3.9M | 3.88M | 3.13M | 3.57M | 3.44M |
| Non-Interest Income % | 9.63% | 5.28% | 8.65% | 8.78% | 8.26% | 7.98% | 7.81% | 8.45% | 8.03% | 7.43% | 8.73% | 8.82% | 9.69% | 3.73% | 10.19% | 13.1% | 13.63% | 11.7% | 12.88% | 13.14% |
| Total Revenue | 71.6M | 70.5M | 71.28M | 71.58M | 68M | 71.47M | 74.01M | 41.92M | 42.4M | 43.29M | 42.48M | 40.29M | 37.95M | 32.87M | 32.55M | 29.79M | 28.45M | 26.78M | 27.71M | 26.18M |
| Revenue Growth % | 5.29% | -1.37% | -3.68% | 70.77% | 60.39% | 65.12% | 74.23% | 4.04% | 11.72% | 31.7% | 30.5% | 35.23% | 33.4% | 22.73% | 17.44% | 13.8% | 5.39% | -3.74% | -2.01% | -4.01% |
| Non-Interest Expense | 29.86M | 31.06M | 29.29M | 28.26M | 26.67M | 35M | 35.5M | 18.16M | 18.07M | 17.6M | 17.07M | 16.61M | 16.49M | 16.96M | 15.94M | 15.49M | 14.75M | 4.15M | 14.24M | 13.49M |
| Efficiency Ratio | 41.71% | 44.07% | 41.1% | 39.48% | 39.22% | 48.97% | 47.97% | 43.32% | 42.61% | 40.65% | 40.19% | 41.24% | 43.44% | 51.6% | 48.96% | 52% | 51.83% | 15.51% | 51.4% | 51.52% |
| Operating Income | 18.52M | 14.72M | 18.84M | 20.49M | 18.25M | 5.82M | -4.99M | 3.7M | 3.94M | 4.22M | 8.08M | 11.23M | 8.97M | 10.83M | 11.93M | 11.14M | 11.46M | 20.57M | 10.89M | 10.12M |
| Operating Margin % | 25.86% | 20.88% | 26.44% | 28.62% | 26.84% | 8.14% | -6.75% | 8.83% | 9.3% | 9.74% | 19.03% | 27.89% | 23.63% | 32.94% | 36.65% | 37.41% | 40.29% | 76.81% | 39.28% | 38.65% |
| Operating Income Growth % | 1.45% | 153.1% | 477.33% | 453.25% | 362.75% | 37.89% | -161.8% | -67.04% | -56.02% | -61.05% | -32.26% | 0.81% | -21.77% | -47.36% | 9.58% | 10.14% | -5.7% | 116.68% | 10.7% | 13.86% |
| Pretax Income | 18.52M | 14.72M | 18.84M | 20.42M | 18.25M | 5.82M | -4.99M | 3.7M | 3.94M | 4.22M | 8.08M | 11.23M | 8.97M | 10.83M | 11.93M | 11.14M | 11.46M | 20.57M | 10.89M | 10.12M |
| Pretax Margin % | 25.86% | 20.88% | 26.44% | 28.53% | 26.84% | 8.14% | -6.75% | 8.83% | 9.3% | 9.74% | 19.03% | 27.89% | 23.63% | 32.94% | 36.65% | 37.41% | 40.29% | 76.81% | 39.28% | 38.65% |
| Income Tax | 3.77M | 2.74M | 3.6M | 3.46M | 3.24M | -272K | -657K | 421K | 478K | 587K | 1.33M | 1.81M | 1.39M | 1.69M | 1.96M | 1.79M | 1.83M | 4.16M | 1.79M | 1.59M |
| Effective Tax Rate % | 20.35% | 18.63% | 19.09% | 16.97% | 17.76% | -4.68% | 13.16% | 11.37% | 12.12% | 13.92% | 16.52% | 16.11% | 15.49% | 15.6% | 16.45% | 16.08% | 15.99% | 20.2% | 16.45% | 15.69% |
| Net Income | 14.75M | 11.98M | 15.25M | 16.96M | 15.01M | 6.09M | -4.34M | 3.28M | 3.47M | 3.63M | 6.75M | 9.43M | 7.58M | 9.14M | 9.97M | 9.35M | 9.63M | 16.41M | 9.1M | 8.53M |
| Net Margin % | 20.6% | 16.99% | 21.39% | 23.69% | 22.07% | 8.52% | -5.86% | 7.83% | 8.17% | 8.39% | 15.88% | 23.39% | 19.97% | 27.81% | 30.63% | 31.39% | 33.85% | 61.29% | 32.82% | 32.59% |
| Net Income Growth % | -1.75% | 96.75% | 451.53% | 416.64% | 333.04% | 67.69% | -164.29% | -65.18% | -54.27% | -60.28% | -32.32% | 0.77% | -21.3% | -44.32% | 9.59% | 9.64% | 1.6% | 100.54% | 9.43% | 12.61% |
| Net Income (Continuing) | 14.75M | 11.98M | 15.25M | 16.96M | 15.01M | 6.09M | -4.34M | 3.28M | 3.47M | 3.63M | 6.75M | 9.43M | 7.58M | 9.14M | 9.97M | 9.35M | 9.63M | 16.41M | 9.1M | 8.53M |
| EPS (Diluted) | 1.47 | 1.19 | 1.51 | 1.68 | 1.49 | 0.61 | -0.43 | 0.46 | 0.49 | 0.51 | 0.95 | 1.31 | 1.05 | 1.27 | 1.38 | 1.30 | 1.33 | 2.28 | 1.26 | 1.18 |
| EPS Growth % | -1.34% | 95.08% | 451.16% | 265.22% | 204.08% | 19.61% | -145.26% | -64.89% | -53.33% | -59.84% | -31.16% | 0.77% | -21.05% | -44.3% | 9.52% | 10.17% | 1.53% | 101.77% | 10.53% | 14.56% |
| EPS (Basic) | 1.47 | 1.20 | 1.53 | 1.70 | 1.50 | 0.61 | -0.43 | 0.47 | 0.49 | 0.52 | 0.95 | 1.32 | 1.06 | 1.28 | 1.39 | 1.30 | 1.34 | 2.29 | 1.26 | 1.18 |
| Diluted Shares Outstanding | 10.03M | 10.08M | 10.09M | 10.08M | 10.04M | 10.05M | 10.04M | 7.11M | 7.1M | 7.09M | 7.12M | 7.18M | 7.2M | 7.2M | 7.21M | 7.22M | 7.22M | 7.21M | 7.23M | 7.24M |