Peoples Financial Services Corp.
PFIS · NASDAQ
9/30/2025 | 6/30/2025 | 3/31/2025 | 12/31/2024 | |
|---|---|---|---|---|
| Revenue | $71,280 | $71,582 | $68,002 | $71,474 |
| % Growth | -0.4% | 5.3% | -4.9% | – |
| Cost of Goods Sold | $23,143 | $22,899 | $23,078 | $30,661 |
| Gross Profit | $48,137 | $48,683 | $44,924 | $40,813 |
| % Margin | 67.5% | 68% | 66.1% | 57.1% |
| R&D Expenses | $0 | $0 | $0 | $0 |
| G&A Expenses | $14,735 | $14,737 | $1,011 | $16,538 |
| SG&A Expenses | $15,841 | $14,737 | $21,102 | $16,538 |
| Sales & Mktg Exp. | $1,106 | $0 | $20,091 | $0 |
| Other Operating Expenses | $13,452 | $13,525 | $5,571 | $18,460 |
| Operating Expenses | $29,293 | $28,262 | $26,673 | $34,998 |
| Operating Income | $18,844 | $20,487 | $18,251 | $5,815 |
| % Margin | 26.4% | 28.6% | 26.8% | 8.1% |
| Other Income/Exp. Net | $0 | -$66 | $0 | $0 |
| Pre-Tax Income | $18,844 | $20,421 | $18,251 | $5,815 |
| Tax Expense | $3,598 | $3,465 | $3,242 | -$272 |
| Net Income | $15,246 | $16,956 | $15,009 | $6,087 |
| % Margin | 21.4% | 23.7% | 22.1% | 8.5% |
| EPS | 1.53 | 1.7 | 1.5 | 0.61 |
| % Growth | -10% | 13.3% | 145.9% | – |
| EPS Diluted | 1.51 | 1.68 | 1.49 | 0.61 |
| Weighted Avg Shares Out | 9,995 | 9,995 | 9,993 | 9,995 |
| Weighted Avg Shares Out Dil | 10,087 | 10,082 | 10,043 | 10,051 |
| Supplemental Information | – | – | – | – |
| Interest Income | $65,117 | $65,295 | $62,385 | $65,773 |
| Interest Expense | $23,981 | $23,138 | $22,878 | $27,292 |
| Depreciation & Amortization | $2,540 | $2,701 | $2,765 | $2,394 |
| EBITDA | $21,384 | $23,122 | $21,016 | $8,209 |
| % Margin | 30% | 32.3% | 30.9% | 11.5% |