Earnings summaries and quarterly performance for PEOPLES FINANCIAL SERVICES.
Executive leadership at PEOPLES FINANCIAL SERVICES.
Gerard Champi
Detailed
Chief Executive Officer
CEO
AV
Amy Vieney
Detailed
Chief Human Resource Officer
JB
James Bone Jr.
Detailed
Chief Financial Officer
JC
James Chiaro
Detailed
Chief Investment Services Officer
JD
Jeffrey Drobins
Detailed
Chief Lending Officer
JA
John Anderson III
Detailed
Chief Operating Officer
MG
Mary Griffin Cummings
Detailed
General Counsel
NK
Neal Koplin
Detailed
Chief Banking Officer
SW
Stephanie Westington
Detailed
Chief Accounting Officer
SH
Susan Hubble
Detailed
Chief Information Officer
TT
Thomas Tulaney
Detailed
President
TK
Timothy Kirtley
Detailed
Chief Risk Officer and Corporate Secretary
Board of directors at PEOPLES FINANCIAL SERVICES.
ER
Elisa Ramirez
Detailed
Director
JN
James Nicholas
Detailed
Director
JC
Joseph Coccia
Detailed
Director
JD
Joseph DeNaples
Detailed
Director
JW
Joseph Wright Jr.
Detailed
Director
KM
Kathleen McCarthy Lambert
Detailed
Director
KE
Keith Eckel
Detailed
Director
LD
Louis DeNaples Sr.
Detailed
Vice Chairman of the Board
RL
Richard Lochen Jr.
Detailed
Director
RK
Ronald Kukuchka
Detailed
Director
SB
Sandra Bodnyk
Detailed
Director
TM
Thomas Melone
Detailed
Director
WA
William Aubrey II
Detailed
Chairman of the Board
WB
William Bracey
Detailed
Director
WC
William Conaboy
Detailed
Director
Research analysts covering PEOPLES FINANCIAL SERVICES.
Recent press releases and 8-K filings for PFIS.
Peoples Financial Services Corp. Reports Q4 and Full Year 2025 Earnings
PFIS
Earnings
M&A
- Peoples Financial Services Corp. reported net income of $12.0 million, or $1.19 per diluted share, for the three months ended December 31, 2025, and $59.2 million, or $5.88 per diluted share, for the full year ended December 31, 2025.
- Fourth-quarter earnings were impacted by a $2.2 million pre-tax loss on the sale of available-for-sale investment securities as part of a strategic portfolio repositioning, which is expected to strengthen the balance sheet and recover the after-tax loss within approximately 10 months.
- The company's full-year 2025 net income significantly increased due to a full year of combined operations following the FNCB merger in July 2024, which contributed to higher net interest income and a lower provision for credit losses.
- At December 31, 2025, total assets reached $5.3 billion, total loans increased to $4.1 billion, and total deposits grew to $4.4 billion.
- Asset quality improved, with non-performing assets to total assets decreasing to 0.23% at December 31, 2025, from 0.45% at December 31, 2024, largely due to an $11.7 million decrease in nonaccrual loans.
7 days ago
Peoples Financial Services Corp. Reports Strong Full Year 2025 Earnings Driven by FNCB Merger and Strategic Actions
PFIS
Earnings
M&A
Dividends
- Peoples Financial Services Corp. reported net income of $12.0 million, or $1.19 per diluted share, for the three months ended December 31, 2025, and $59.2 million, or $5.88 per diluted share, for the full year 2025.
- Full-year 2025 net income significantly increased from $8.5 million in 2024, primarily due to a full year of combined operations following the FNCB merger on July 1, 2024, and a reduction in the provision for credit losses.
- Fourth quarter 2025 net income was negatively impacted by a $2.2 million pre-tax loss from a strategic repositioning of available-for-sale investment securities.
- Key financial metrics for Q4 2025 included a Return on Average Assets (ROAA) of 0.92% and a Net Interest Margin (NIM) of 3.60%.
- At December 31, 2025, total assets reached $5.3 billion, with total loans at $4.1 billion and deposits at $4.4 billion. Non-performing assets to total assets improved to 0.23%.
7 days ago
Peoples Financial Services Corp. Repositions Investment Portfolio
PFIS
New Projects/Investments
Guidance Update
- Peoples Financial Services Corp. (PFIS) completed a repositioning of a portion of its investment securities portfolio on December 23, 2025.
- The company sold approximately $78.6 million of lower-yielding U.S. treasury bonds with a weighted average yield of 1.18%.
- The sale resulted in a realized after-tax loss of approximately $1.85 million, which will be recognized during the fourth quarter of 2025.
- Net proceeds of approximately $76.1 million were used to purchase higher-yielding investment securities, including U.S. agency mortgage-backed securities and discounted tax-exempt municipal bonds, with an average book yield of approximately 4.67%.
- This repositioning is estimated to improve interest income from the securities portfolio by approximately $2.8 million over the next 12 months, and the company expects to recover the after-tax loss in approximately 10 months.
Dec 29, 2025, 1:35 PM
PEOPLES FINANCIAL SERVICES CORP. reports Q3 2025 financial results
PFIS
Earnings
M&A
- 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.
- For Q3 2025, the company's Return on Average Assets (ROAA) was 1.19%, Return on Average Tangible Common Equity (ROATCE) was 15.2%, and the efficiency ratio was 56.5%.
- As of September 30, 2025, the company held $4.3 billion in total deposits and $4.0 billion in total loans.
- The tangible book value per share increased to $40.43 as of September 30, 2025.
Nov 6, 2025, 1:30 PM
Peoples Financial Services Corp. Declares Fourth Quarter 2025 Dividend
PFIS
Dividends
M&A
- Peoples Financial Services Corp. declared a fourth quarter cash dividend of $0.6175 per share.
- The dividend is payable on December 15, 2025, to shareholders of record as of November 28, 2025.
- The company, which operates 39 full-service community banking offices, also noted the consummation of its merger with FNCB Bancorp, Inc. on July 1, 2024.
Oct 31, 2025, 8:05 PM
Peoples Financial Services Corp. Reports Third Quarter and Year-to-Date 2025 Earnings
PFIS
Earnings
M&A
New Projects/Investments
- 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.
- 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.
- 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.
- As of September 30, 2025, total assets were $5.2 billion, loans were $4.0 billion, and deposits were $4.3 billion. 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.
Oct 30, 2025, 8:44 PM
Peoples Financial Services Reports Strong Q3 2025 Earnings
PFIS
Earnings
M&A
Debt Issuance
- 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.
- 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.
- The company's Return on Average Assets (ROAA) was 1.19% and Return on Average Equity (ROAE) was 12.02% for Q3 2025.
- 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.
- 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.
Oct 30, 2025, 8:05 PM
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