Peoples Financial Services Reports Strong 2025 Financial Results
Written by Emily J. Thompson, Senior Investment Analyst
Updated: 3h ago
0mins
Source: Newsfilter
- Net Income Surge: In 2025, Peoples Financial Services reported net income of $59.2 million, or $5.88 per diluted share, a significant increase from $8.5 million in 2024, primarily driven by operational efficiencies from the merger with FNCB Bancorp and a reduction in credit loss provisions.
- Core Income Performance: The core net income for Q4 2025 was $13.7 million, or $1.36 per diluted share, up from $10.0 million and $0.99 per share in the same quarter of 2024, indicating continued growth supported by higher earning asset levels and increased transaction activity.
- Portfolio Repositioning: The company completed a repositioning of its investment securities portfolio in Q4 2025, selling $78.6 million of lower-yielding U.S. Treasury bonds, resulting in a pre-tax loss of approximately $2.2 million, but expects to recover this loss within 10 months, thereby strengthening its balance sheet.
- Improved Asset Quality: As of December 31, 2025, non-performing assets to total assets improved to 0.23% from 0.45% in 2024, reflecting positive progress in resolving commercial credit relationships and enhancing credit quality.
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Analyst Views on PFIS
Wall Street analysts forecast PFIS stock price to fall over the next 12 months. According to Wall Street analysts, the average 1-year price target for PFIS is 50.00 USD with a low forecast of 50.00 USD and a high forecast of 50.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
1 Analyst Rating
0 Buy
1 Hold
0 Sell
Hold
Current: 51.270
Low
50.00
Averages
50.00
High
50.00
Current: 51.270
Low
50.00
Averages
50.00
High
50.00
No data
About PFIS
Peoples Financial Services Corp. is the bank holding company of Peoples Security Bank and Trust Company (the Bank). The Bank is an independent community bank serving its retail and commercial customers through 39 full-service community banking offices located within Allegheny, Bucks, Lackawanna, Lebanon, Lehigh, Luzerne, Monroe, Montgomery, Northampton, Susquehanna, Wayne and Wyoming Counties in Pennsylvania, Middlesex County in New Jersey and Broome County in New York. It offers a range of financial products and services to individuals, businesses, not-for-profit organizations and government entities. Its primary lending products are real estate, commercial and consumer loans. It also offers automated teller machine access, debit and credit cards, online banking, active investment accounts, trust department services and other various lending, depository and related financial services. Its primary deposit products are savings and demand deposit accounts and certificates of deposit.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
Peoples Financial Services Reports Strong 2025 Financial Results
- Net Income Surge: In 2025, Peoples Financial Services reported net income of $59.2 million, or $5.88 per diluted share, a significant increase from $8.5 million in 2024, primarily driven by operational efficiencies from the merger with FNCB Bancorp and a reduction in credit loss provisions.
- Core Income Performance: The core net income for Q4 2025 was $13.7 million, or $1.36 per diluted share, up from $10.0 million and $0.99 per share in the same quarter of 2024, indicating continued growth supported by higher earning asset levels and increased transaction activity.
- Portfolio Repositioning: The company completed a repositioning of its investment securities portfolio in Q4 2025, selling $78.6 million of lower-yielding U.S. Treasury bonds, resulting in a pre-tax loss of approximately $2.2 million, but expects to recover this loss within 10 months, thereby strengthening its balance sheet.
- Improved Asset Quality: As of December 31, 2025, non-performing assets to total assets improved to 0.23% from 0.45% in 2024, reflecting positive progress in resolving commercial credit relationships and enhancing credit quality.
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Peoples Financial Services announces dividend of $0.6175
Dividend Declaration: Peoples Financial Services (PFIS) has declared a quarterly dividend of $0.6175 per share, consistent with previous dividends.
Dividend Details: The dividend has a forward yield of 5.56% and is payable on December 15, with shareholders of record on November 28, and an ex-dividend date also on November 28.
Financial Insights: Additional resources include PFIS's Dividend Scorecard, Yield Chart, and historical earnings data for further financial analysis.
Rating Status: Seeking Alpha’s Quant Rating indicates that Peoples Financial Services is still not ready for an upgrade.
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