Peoples Financial Services (PFIS) Financial Statements & Analysis

Peoples Financial Services (PFIS) Income Statement

Peoples Financial Services reported revenue of $187.76M in fiscal 2025 (fiscal year ended Dec 31, 2025), up 63.0% from $115.19M a year earlier. Net income was $59.19M, up 596.5% year over year, a net margin of 31.5%. Gross margin was 99.7% and operating margin 38.5%. In the most recent quarter, Q2 fiscal 2026 (ended Jun 30, 2026), revenue was $51.87M, up 6.5% from the same quarter a year earlier.

Peoples Financial Services Income Statement Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

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Peoples Financial Services Corp. income statement - Annual data in millions USD
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017
Revenue & Gross Profit
Revenue	187.76	115.19	100.32	108.07	98.33	110.77	108.50	98.32	89.15
Cost of Revenue	93.83	114.60	63.66	15.14	11.17	21.72	23.97	17.52	13.50
Gross Profit	187.12	115.19	100.34	108.52	96.58	89.04	84.53	80.80	75.65
Operating Expenses
Research & Development	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Selling, General & Administrative	60.99	30.55	23.71	34.85	30.85	31.01	32.03	29.50	27.50
Operating Expenses	114.89	106.73	67.84	63.16	43.06	54.87	55.64	52.49	49.02
Operating Income	72.23	8.47	32.50	45.37	53.52	34.18	28.89	28.31	26.64
Other Income/Expense
Interest Income	259.54	211.37	149.85	111.33	93.98	94.03	93.30	84.59	74.19
Interest Expense	93.74	95.47	63.10	15.59	9.42	14.32	17.87	13.32	8.70
Other Income/Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Income
Income Before Tax	72.23	8.47	32.50	45.37	53.52	34.18	28.89	28.31	26.64
Income Tax Expense	13.05	-0.03	5.12	7.28	10.00	4.82	3.16	3.39	8.18
Net Income	59.19	8.50	27.38	38.09	43.52	29.35	25.74	24.92	18.46
Net Income - Continuous Operations	59.19	8.50	27.38	38.09	43.52	29.35	25.74	24.92	18.46
Net Income - Discontinued Operations	-	-	-	-	-	-	-	-	-
EBITDA	82.86	7.24	3.50	4.03	57.16	38.43	33.10	31.53	29.62
EBIT	-	-	-	-	-	-	-	-	-
Depreciation & Amortization	6.40	7.24	0.11	0.36	0.49	4.25	4.21	3.21	2.98
Earnings Per Share
Basic EPS	6.00	1.00	4.00	5.00	6.00	4.00	4.00	3.00	3.00
Diluted EPS	6.00	1.00	4.00	5.00	6.00	4.00	4.00	3.00	3.00
Basic Shares Outstanding	9.99	8.53	7.11	7.17	7.20	7.31	7.40	7.40	7.40
Diluted Shares Outstanding	10.07	8.59	7.15	7.21	7.23	7.34	7.40	7.40	7.40

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About Peoples Financial Services Financial Statements

What was Peoples Financial Services's revenue in fiscal 2025?

Peoples Financial Services reported revenue of $187.76M in fiscal 2025 (fiscal year ended Dec 31, 2025). That was up 63.0% from $115.19M a year earlier.

Is Peoples Financial Services profitable?

Yes. Peoples Financial Services earned net income of $59.19M in fiscal 2025, a net margin of 31.5%. In fiscal 2024 it earned $8.50M.

What is Peoples Financial Services's operating margin?

Peoples Financial Services's operating income was $72.23M on revenue of $187.76M in fiscal 2025, an operating margin of 38.5%, compared with 7.4% a year earlier.

What is net profit margin?

Net profit margin is net income divided by revenue. It shows how much of each dollar of sales a company keeps as profit after all costs, interest and taxes. Full definition