PEOPLES FINANCIAL SERVICES CORP.

For the period ended Oct 30, 2025. Filed Oct 30, 2025.

About this filing

A notice of a major event between regular reports, such as results, a deal or a change of executives. It is often the first formal record of the news.

Oct 30, 2025 · Filed Oct 30, 2025

Use the contents to explore the available documents and sections.

PFIS$72.24-1.0%Stored close · as of Nov 6, 2026

See the whole filing, with its images and exhibits

Contents

EX-99.1 · (In thousands, except per share data)

(In thousands, except per share data)


· Sept 30 · Sept 30
Nine months ended · · 2025 · · 2024
Interest income:
Interest and fees on loans:
Taxable	$170,292	$127,859
Tax-exempt	6,698	5,116
Interest and dividends on investment securities:
Taxable	13,073	8,561
Tax-exempt	1,332	1,153
Dividends	128	59
Interest on interest-bearing deposits in other banks	310	385
Interest on federal funds sold	1,092	2,524
Total interest income	192,925	145,657
Interest expense:
Interest on deposits	61,344	63,216
Interest on short-term borrowings	976	1,444
Interest on long-term debt	3,897	1,929
Interest on subordinated debt	3,217	1,330
Interest on junior subordinated debt	563	260
Total interest expense	69,997	68,179
Net interest income	122,928	77,478
(Credit to) provision for credit losses	(877)	15,762
Net interest income after (credit to) provision for credit losses	123,805	61,716
Noninterest income:
Service charges, fees, commissions and other	10,454	7,304
Merchant services income	1,136	598
Commissions and fees on fiduciary activities	1,707	1,717
Wealth management income	2,219	1,486
Mortgage banking income	387	263
Increase in cash surrender value of life insurance	1,604	1,116
Interest rate swap income	389	25
Net gains on equity investments	43	155
Net gains on sale of fixed assets	65	1
Total noninterest income	18,004	12,665
Noninterest expense:
Salaries and employee benefits expense	41,370	30,459
Net occupancy and equipment expense	20,115	15,745
Acquisition related expenses	236	11,210
Amortization of intangible assets	4,882	1,665
FDIC insurance and assessments	2,605	1,907
Other expenses	15,085	10,742
Total noninterest expense	84,293	71,728
Income before income taxes	57,516	2,653
Provision for income tax expense	10,305	242
Net income	$47,211	$2,411
Other comprehensive income:
Unrealized gains on investment securities available for sale	$14,846	$12,744
Reclassification adjustment for gains on available for sale securities included in net income		(1)
Change in derivative fair value	(114)	(185)
Income tax expense related to other comprehensive income	3,213	2,748
Other comprehensive income, net of income tax expense	11,519	9,810
Comprehensive income	$58,730	$12,221
Share and per share amounts:
Net income - basic	$4.72	$0.30
Net income - diluted	4.69	0.30
Cash dividends declared	$1.86	$1.44
Average common shares outstanding - basic	9,994,175	8,039,734
Average common shares outstanding - diluted	10,070,947	8,094,036

ContentsView on SEC.gov

The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.