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Peoples Financial Services PFIS Q4 2025 Annual earnings

Reported February 5, 2026 · After market close

Revenue$46.8MMiss by $1.5M
EPS$1.36Miss by $0.16
Revenue estimate$48.3M
EPS estimate$1.52

Next report

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

Financials

Q4 2025

Income statement

See full
Revenue$46.8M+5.8%
Net income$12.0M+96.7%
EPS (diluted)$1.19+72.5%

Balance sheet

See full
Cash & equivalents$269.0M+98.0%
Total debt$51.2M+78.9%
Total equity$519.8M+10.9%
Total assets$5.3B+3.5%

Cash flow

See full
Operating cash flow$16.1M+105%
CapEx$2.9M—
Free cash flow$13.2M+29.6%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$486.84M-4.8%
Enterprise value$269.01M-33.5%
P/E8.2×-52.0×
P/S2.6×-1.2×

Profitability

See full
Net margin31.5%+25.2pp
FCF margin23.1%-0.8pp

Returns & leverage

See full
Return on equity12%+9.9pp
Debt / equity0.1×0.0×

Segments

By product

See full
Bank Servicing$3.2M-10.5%
Asset Management1$739.0K+16.9%
Commission And Fees On Fiduciary Activities$560.0K+1.3%
Credit Card$163.0K-45.3%

Versus estimates

Revenue

Q1 2026$49.8MMiss by $185.0K
Q4 2025$46.8MMiss by $1.5M
Q3 2025$47.3MMiss by $951.0KQ2 2025$48.4MMiss by $506.0KQ1 2025$45.1MBeat by $1.1MQ4 2024$71.5M

Diluted EPS

Q1 2026$1.43Miss by $0.11
Q4 2025$1.36Miss by $0.16
Q3 2025$4.71Beat by $3.19Q2 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 Q4 2025 earnings?
Peoples Financial Services (PFIS) reported Q4 2025 earnings on February 5, 2026 after market close.
What were Peoples Financial Services's Q4 2025 revenue and EPS?
Peoples Financial Services reported revenue of $46.8M and eps of $1.36 for Q4 2025.
Did Peoples Financial Services beat estimates in Q4 2025?
Revenue missed the consensus estimate of $48.3M by $1.5M. EPS missed the consensus estimate of $1.52 by $0.16.
How did Peoples Financial Services's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue declined 34.6% from $71.5M a year earlier and eps grew 124.4% from $0.61.
Where can I find Peoples Financial Services's Q4 2025 SEC filings?
You can read the 10-K periodic report (0001104659-26-028106) directly on SEC EDGAR. The filing index links above go to sec.gov.