- Peoples Financial Services Corp. reported **net income of $15.2 million**, or **$1.51 per diluted share**, for the three months ended September 30, 2025, a significant improvement from a **net loss of $4.3 million**, or **$0.43 per diluted share**, in the same period of 2024.  **[1056943_20251030PH11821:0]** 
- For the nine months ended September 30, 2025, net income was **$47.2 million**, or **$4.69 per diluted share**, compared to **$2.4 million**, or **$0.30 per diluted share**, for the comparable period of 2024, primarily due to higher net interest income and noninterest income, and a lower provision for credit losses.  **[1056943_20251030PH11821:0]** 
- The company's **Return on average assets (ROAA)** was **1.19%** and **Return on average equity (ROAE)** was **12.02%** for the three months ended September 30, 2025.  **[1056943_20251030PH11821:0]** 
- As of September 30, 2025, total assets were **$5.2 billion**, loans were **$4.0 billion**, and deposits were **$4.3 billion**.  **[1056943_20251030PH11821:4]**  Nonperforming assets decreased to **$16.8 million**, or **0.42% of loans, net, and foreclosed assets**, from $23.0 million or 0.58% at December 31, 2024.  **[1056943_20251030PH11821:6]**

Peoples Financial Services Corp. Reports Third Quarter and Year-to-Date 2025 Earnings

- Peoples Financial Services Corp. reported **net income of $15.2 million**, or **$1.51 per diluted share**, for the three months ended September 30, 2025, a significant increase from a net loss of $4.3 million, or $0.43 per diluted share, in Q3 2024.  **[1056943_0001104659-25-104365_pfis-20251030xex99d1.htm:1]** **[1056943_0001104659-25-104365_pfis-20251030xex99d1.htm:10]** **[1056943_0001104659-25-104365_pfis-20251030xex99d1.htm:14]** 
- For the nine months ended September 30, 2025, net income was **$47.2 million**, or **$4.69 per diluted share**, compared to $2.4 million, or $0.30 per diluted share, for the comparable period of 2024.  **[1056943_0001104659-25-104365_pfis-20251030xex99d1.htm:1]** **[1056943_0001104659-25-104365_pfis-20251030xex99d1.htm:11]** 
- The company's **Return on Average Assets (ROAA) was 1.19%** and **Return on Average Equity (ROAE) was 12.02%** for Q3 2025.  **[1056943_0001104659-25-104365_pfis-20251030xex99d1.htm:1]** **[1056943_0001104659-25-104365_pfis-20251030xex99d1.htm:10]** 
- As of September 30, 2025, **total assets stood at $5.2 billion**, with **total loans at $4.0 billion** and **total deposits at $4.3 billion**.  **[1056943_0001104659-25-104365_pfis-20251030xex99d1.htm:6]** 
- **Book value per common share rose to $50.95** and **tangible book value per common share increased to $40.43** at September 30, 2025, with the company maintaining a **well capitalized position**.  **[1056943_0001104659-25-104365_pfis-20251030xex99d1.htm:2]** **[1056943_0001104659-25-104365_pfis-20251030xex99d1.htm:6]** **[1056943_0001104659-25-104365_pfis-20251030xex99d1.htm:10]**

PEOPLES FINANCIAL SERVICES (PFIS)