PEOPLES FINANCIAL SERVICES CORP. (PFIS) Financial Statements

Income statement

Metric	TTM	2025	2024	2023	2022
Revenue
Total Revenue	293.5M	281.0M	229.8M	164.0M	123.7M
Cost of Revenue	96.2M	93.8M	114.6M	63.7M	15.1M
Gross Profit	197.3M	187.1M	115.2M	100.3M	108.5M
Operating Expenses
R&D Expense	—	—	—	—	—
SG&A Expense	90.2M	83.8M	48.9M	37.4M	34.9M
General & Admin Expense	90.2M	83.8M	48.9M	37.4M	34.9M
Selling & Marketing Expense	—	—	—	—	—
Other Expenses	33.0M	31.1M	57.8M	30.4M	28.3M
Total Operating Expenses	123.2M	114.9M	106.7M	67.8M	63.2M
Cost and Expenses	219.5M	208.7M	221.3M	131.5M	78.3M
Operating Income (EBIT)	74.1M	72.2M	8.5M	32.5M	45.4M
Non-Operating
Interest Income	270.7M	259.7M	211.4M	149.8M	111.3M
Interest Expense	91.9M	93.7M	95.5M	63.1M	15.6M
Net Interest Income	178.8M	166.0M	115.9M	86.8M	95.7M
Other Non-Op Income/Expense	—	—	—	—	—
Non-Operating Income (excl Interest)	—	—	—	—	—
EBT (Pre-Tax Income)	74.1M	72.2M	8.5M	32.5M	45.4M
Income Tax Expense	13.4M	13.0M	(30.0K)	5.1M	7.3M
Bottom Line
Net Income	60.7M	59.2M	8.5M	27.4M	38.1M
Earnings from Cont. Ops	60.7M	59.2M	8.5M	27.4M	38.1M
Earnings from Discont. Ops	—	—	—	—	—
Bottom Line Net Income	60.7M	59.2M	8.5M	27.4M	38.1M
Per Share
Basic EPS	$6.06	$5.92	$1.00	$3.85	$5.31
Diluted EPS	$6.04	$5.88	$0.99	$3.83	$5.28
Revenue Per Share	$29.32	$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	10.1M	10.1M	8.6M	7.2M	7.2M
Profitability Metrics
EBITDA	82.0M	82.9M	15.7M	36.0M	49.4M
D&A	7.9M	10.6M	7.2M	3.5M	4.0M
EBIT	74.1M	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 Sep 1, 2026