Peoples Financial Services Corp. (PFIS) Financial Statements

Income statement

Metric	TTM	2025	2024	2023	2022
Revenue
Total Revenue	287.7M	281.0M	229.8M	164.0M	123.7M
Cost of Revenue	96.3M	93.8M	114.6M	63.7M	15.1M
Gross Profit	191.3M	187.1M	115.2M	100.3M	108.5M
Operating Expenses
R&D Expense	—	—	—	—	—
SG&A Expense	82.8M	83.8M	48.9M	37.4M	34.9M
General & Admin Expense	81.7M	83.8M	48.9M	37.4M	34.9M
Selling & Marketing Expense	1.1M	—	—	—	—
Other Expenses	38.1M	31.1M	57.8M	30.4M	28.3M
Total Operating Expenses	120.8M	114.9M	106.7M	67.8M	63.2M
Cost and Expenses	217.2M	208.7M	221.3M	131.5M	78.3M
Operating Income (EBIT)	70.5M	72.2M	8.5M	32.5M	45.4M
Non-Operating
Interest Income	264.3M	259.7M	211.4M	149.8M	111.3M
Interest Expense	91.7M	93.7M	95.5M	63.1M	15.6M
Net Interest Income	172.6M	166.0M	115.9M	86.8M	95.7M
Other Non-Op Income/Expense	—	—	—	—	—
Non-Operating Income (excl Interest)	—	—	—	—	—
EBT (Pre-Tax Income)	70.5M	72.2M	8.5M	32.5M	45.4M
Income Tax Expense	13.7M	13.0M	(30.0K)	5.1M	7.3M
Bottom Line
Net Income	56.8M	59.2M	8.5M	27.4M	38.1M
Earnings from Cont. Ops	56.8M	59.2M	8.5M	27.4M	38.1M
Earnings from Discont. Ops	—	—	—	—	—
Bottom Line Net Income	56.8M	59.2M	8.5M	27.4M	38.1M
Per Share
Basic EPS	$5.68	$5.92	$1.00	$3.85	$5.31
Diluted EPS	$5.65	$5.88	$0.99	$3.83	$5.28
Revenue Per Share	$28.74	$28.11	$26.94	$23.07	$17.25
Shares
Basic Shares Outstanding	10.0M	10.0M	8.5M	7.1M	7.2M
Diluted Shares Outstanding	10.0M	10.1M	8.6M	7.2M	7.2M
Profitability Metrics
EBITDA	78.3M	82.9M	15.7M	36.0M	49.4M
D&A	7.8M	10.6M	7.2M	3.5M	4.0M
EBIT	70.5M	72.2M	8.5M	32.5M	45.4M

As reported, in the filing currency · TTM sums the four latest quarters; MRQ is the latest quarter · Negatives in parentheses; a dash is a line the filing does not carry · Data as of Jun 1, 2026