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Peoples Financial Services PFIS Q3 2025 earnings

Reported October 30, 2025 · Before market open

Revenue$47.3MMiss by $951.0K
EPS$4.71Beat by $3.19
Revenue estimate$48.3M
EPS estimate$1.52

Next report

Jul 30, 2026 (Today)
Revenue estimate$52.4M
EPS estimate$1.64

Financials

Q3 2025

Income statement

See full
Revenue$46.7M+3.8%
Net income$15.2M+452%
EPS (diluted)$1.51+451%

Balance sheet

See full
Cash & equivalents$179.9M-37.0%
Total debt$76.3M+104%
Total equity$509.3M+7.2%
Total assets$5.2B-3.7%

Cash flow

See full
Operating cash flow$15.2M-30.5%
CapEx$2.2M-49.3%
Free cash flow$13.0M-25.9%

Valuation & ratios

Valuation

as of 09/30/25
See full
Market cap$485.84M+46.8%
Enterprise value$382.23M+362%
P/E9.1×-45.7×
P/S2.6×-0.3×

Profitability

See full
Net margin28.8%+23.5pp
FCF margin21.8%-5.2pp

Returns & leverage

See full
Return on equity10.8%+9.3pp
Debt / equity0.1×+0.1×

Segments

By product

See full
Bank Servicing$3.4M+0.1%
Asset Management1$950.0K+34.2%
Commission And Fees On Fiduciary Activities$607.0K-6.5%
Credit Card$321.0K+43.9%

Versus estimates

Revenue

Q1 2026$49.8MMiss by $185.0KQ4 2025$46.8MMiss by $1.5M
Q3 2025$47.3MMiss by $951.0K
Q2 2025$48.4MMiss by $506.0KQ1 2025$45.1MBeat by $1.1MQ4 2024$71.5M

Diluted EPS

Q1 2026$1.43Miss by $0.11Q4 2025$1.36Miss by $0.16
Q3 2025$4.71Beat by $3.19
Q2 2025$1.69Beat by $0.14Q1 2025$1.51Beat by $0.18Q4 2024$0.61

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Questions, answered.

When did Peoples Financial Services report Q3 2025 earnings?
Peoples Financial Services (PFIS) reported Q3 2025 earnings on October 30, 2025 before market open.
What were Peoples Financial Services's Q3 2025 revenue and EPS?
Peoples Financial Services reported revenue of $47.3M and eps of $4.71 for Q3 2025.
Did Peoples Financial Services beat estimates in Q3 2025?
Revenue missed the consensus estimate of $48.3M by $951.0K. EPS beat the consensus estimate of $1.52 by $3.19.
How did Peoples Financial Services's Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 5.2% from $45.0M a year earlier and eps grew 187.2% from $1.64.
Where can I find Peoples Financial Services's Q3 2025 SEC filings?
You can read the 10-Q periodic report (0001104659-25-108874) directly on SEC EDGAR. The filing index links above go to sec.gov.