Peoples Financial Services Corp. (PFIS) Earnings History
Steady Earner29 years of earnings data (1997–2025) · Positive but moderate multi-year EPS trajectory
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Peoples Financial Services Corp. (PFIS) Earnings Overview
As of June 29, 2026, Peoples Financial Services Corp. (PFIS) reported trailing twelve-month net income of $59M, reflecting +493.9% year-over-year growth. The company earned $5.88 per diluted share over the past four quarters, with a net profit margin of 21.1%.
Looking at the long-term picture, PFIS's 5-year EPS compound annual growth rate (CAGR) stands at +8.0%, showing solid earnings momentum. The company achieved its highest annual net income of $59M in fiscal 2025, representing a new all-time high.
Peoples Financial Services Corp. maintains industry-leading profitability with a gross margin of 66.6%, operating margin of 25.7%, and net margin of 21.1%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including NBTB ($184M net income, 19.5% margin), FULT ($393M net income, 20.7% margin), CZWI ($15M net income, 16.0% margin), PFIS has outperformed on profitability metrics. Compare PFIS vs NBTB →
PFIS Earnings vs Peers
Earnings metrics vs comparable public companies
PFIS Historical Earnings Data (1997–2025)
29 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $59M | +596.5% | $72M | $5.88 | 21.1% | 25.7% |
| 2024 | $8M | -69.0% | $8M | $0.99 | 3.7% | 3.7% |
| 2023 | $27M | -28.1% | $33M | $3.83 | 16.7% | 19.8% |
| 2022 | $38M | -12.5% | $45M | $5.28 | 30.8% | 36.7% |
| 2021 | $44M | +48.3% | $54M | $6.01 | 40.4% | 49.7% |
| 2020 | $29M | +14.1% | $34M | $4.00 | 26.5% | 30.9% |
| 2019 | $26M | +3.3% | $29M | $3.72 | 23.7% | 26.6% |
| 2018 | $25M | +35.0% | $28M | $3.37 | 25.3% | 28.8% |
| 2017 | $18M | -5.7% | $27M | $2.50 | 20.7% | 29.9% |
| 2016 | $20M | +10.5% | $25M | $2.65 | 23.9% | 30.0% |
| 2015 | $18M | +0.4% | $22M | $2.36 | 23.3% | 29.2% |
| 2014 | $18M | +208.5% | $23M | $2.34 | 22.9% | 30.0% |
| 2013 | $6M | -46.0% | $6M | $1.07 | 12.3% | 13.3% |
| 2012 | $11M | +0.6% | $14M | $2.37 | 22.9% | 29.5% |
| 2011 | $11M | +62.4% | $14M | $3.37 | 21.4% | 27.6% |
| 2010 | $6M | +28.4% | $8M | $2.06 | 21.6% | 26.4% |
| 2009 | $5M | +66.1% | $6M | $1.61 | 18.3% | 21.7% |
| 2008 | $3M | -37.6% | $3M | $0.97 | 10.5% | 10.8% |
| 2007 | $5M | +18.0% | $6M | $1.55 | 17.4% | 21.4% |
| 2006 | $4M | -7.8% | $5M | $1.31 | 16.2% | 19.2% |
| 2005 | $4M | +0.5% | $5M | $1.41 | 19.1% | 23.2% |
| 2004 | $4M | -20.0% | $5M | $1.40 | 20.7% | 25.4% |
| 2003 | $6M | +10.9% | $7M | $1.75 | 24.7% | 32.9% |
| 2002 | $5M | +3.7% | $7M | $1.59 | 22.9% | 30.0% |
| 2001 | $5M | +23.8% | $6M | $1.52 | 21.4% | 28.1% |
| 2000 | $4M | +3.1% | $5M | $1.20 | 32.1% | 41.1% |
| 1999 | $4M | +11.2% | $5M | $1.16 | 37.8% | 48.9% |
| 1998 | $3M | +13.1% | $4M | $1.04 | 35.6% | 45.0% |
| 1997 | $3M | - | $4M | $0.92 | 32.8% | 41.7% |
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PFIS — Frequently Asked Questions
Quick answers to the most common questions about buying PFIS stock.
What is PFIS earnings per share (EPS)?
PFIS trailing twelve-month (TTM) diluted EPS is $5.88, reflecting +493.9% year-over-year growth. The 5-year EPS CAGR is +8.0%. Complete EPS history from 1997 to 2025 is available in the table on this page.
What is Peoples Financial Services Corp.'s net income?
Peoples Financial Services Corp. (PFIS) trailing twelve-month net income is $59M as of 2025. Earnings grew +493.9% year-over-year. Peoples Financial Services Corp. has been profitable for 29 consecutive years.
Is PFIS profitable?
Yes, PFIS is profitable with a TTM net income of $59M and a net profit margin of +21.1%. Peoples Financial Services Corp. has generated profits for 29 consecutive years.
What is PFIS's earnings growth rate?
PFIS compound annual EPS growth rates (CAGR): 1-Year: +493.9%, 3-Year: +3.7%, 5-Year: +8.0%, 10-Year: +9.6%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 1997 to 2025.
What are PFIS's profit margins?
Peoples Financial Services Corp. net profit margin is +21.1%, operating margin is +25.7%, and gross margin is +66.6%. Above-average net margins reflect strong pricing power and competitive moat. Return on Equity is +12.0%.
Is PFIS growing earnings?
Yes, PFIS earnings are accelerating — EPS growth of +493.9% exceeds the 5-year CAGR of +8.0%. TTM net income reached $59M. Earnings momentum is strengthening.
What was PFIS's best earnings year?
Peoples Financial Services Corp.'s highest annual net income on record is $59M, achieved in fiscal year 2025. Earnings history on this page spans 1997 to 2025 and includes all annual and quarterly figures.
What were PFIS's earnings last quarter?
PFIS's most recent reported quarter was Q1 2026. Net income was $15M with diluted EPS of $1.47. For a full breakdown of all quarters, see the quarterly earnings table on this page.