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Peoples Financial Services (PFIS) earnings and revenue breakdown

Latest: Q3 2026 · 10-Q filed Nov 6, 2026 · Peoples Financial Services (PFIS) Q3 2026 earnings results →

Q3 2026 Revenue up 14% year over year to $53.0M · 36¢ of every $1 of revenue kept as net profit · operating margin 42.3%

Peoples Financial Services made $53.0M in Q3 2026 (+14% Y/Y): Net interest income $47.3M, Noninterest income $5.7M. Operating margin 42.3%, net earnings $19.1M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 6, 2026.

Revenue$53.0M
Year over year+14%
Operating margin42.3%
Net earnings$19.1M
Operating cash flow$14.8M

Drawing the Sankey…

Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF

What changed this quarter

Revenue was $53.0M in Q3 2026, up 13% year over year and up 2% from the previous quarter. Net interest income was the largest line at 89% of revenue. Net interest income added $6.1M year over year (up 15%), 97% of the total change.

Operating profit was $22.4M, a 42.3% margin (up 1.9 points year over year). Of the extra revenue versus a year earlier, 57% reached operating profit, above the 40% margin then. Total costs grew 10% against revenue growth of 13%. Net earnings were $19.1M, up 25% year over year. The effective tax rate was 14.6%.

Operating cash flow was $14.8M (down 2% year over year), 78% of net earnings. Non-cash charges added back $936K of depreciation and amortization and $584K of share-based compensation. Working capital and other items used $5.8M. Capital expenditures of $1.3M left free cash flow of $13.6M.

Quarterly history

QuarterFormFiledRevenueY/YOp. marginNet earningsOp. cash flow
Q3 202610-QNov 6, 2026$53.0M+14%42.3%$19.1M$14.8M

Charts

Peoples Financial Services: where the cash came from (+) and went (−), TTM to Q3 2026Peoples Financial Services: where the cash came from (+) and went (−), TTM to Q3 2026Other financing$382MOther investing−$248MCash drawn (+) / kept (−)−$125MOperating cash flow$53.1MNet borrowing (+) / repaid (−)−$33.6MDividends−$24.9MCapital spending−$7.7MAsset & business sales$4.4M
From the cash-flow statement as filed (SEC XBRL). Cash is fungible: the bars do not say which dollar paid for what.
Peoples Financial Services: profit against cash, quarter by quarterPeoples Financial Services: profit against cash, quarter by quarterNet incomeOperating cash flow$6.1M$7.9MQ4 2024$15.0M$9.1MQ1 2025$17.0M$13.9MQ2 2025$15.2M$15.2MQ3 2025$12.0M$16.1MQ4 2025$14.7M$8.3MQ1 2026$14.8M$13.9MQ2 2026$19.1M$14.8MQ3 2026
Latest (Q3 2026): Net income $19.1M, Operating cash flow $14.8M.
Peoples Financial Services: diluted shares by fiscal yearPeoples Financial Services: diluted shares by fiscal year7MFY20207MFY20217MFY20227MFY20239MFY202410MFY2025
+37.3% since FY2020: more shares outstanding (issuance, stock pay).
Peoples Financial Services: long-term debt falling due (FY2025)Peoples Financial Services: long-term debt falling due (FY2025)$51.6M2026$68.7M2027$14.2M2028
Cash $269M, short-term investments —, long-term debt — at 2025-12-31.
Peoples Financial Services in its industry: growth against margin (68 companies, SIC 6021)Peoples Financial Services in its industry: growth against margin (68 companies, SIC 6021)revenue growth, year over year →↑ operating marginmedian +8%median 37%JPMBACCWFCCOFUSBPNCTFCHBANKEYPNFPHSBC USA IncZIONUMBFWebster Financial CorpONBCFRVLYBOKFBANCFNBFHNFULTWSFSFFBCWSBCCBUPRKTRMKWAFDFRMENBTBCASHBANFOCFCNWBITBBKNICHOPEFCFDCOMNBHCBHRBAMTBWBHCCHCOALRSHAFCNEWTCACCBNKBFCFMCBWABCSHBICAREBCALSFSTMRBKFDBCFNLCFUNCLCNBATLOCFBKASRVNKSHPFIS (+14%, 42%)
National Commercial Banks; dot size is quarterly revenue; dashed lines are the industry's medians.

Interactive views

The same charts as the app — open one to draw it.

💵Where each $1 goesinteractive

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🌏Named in Asian annual reportsinteractive

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🔄Rotation against the market and its industry (RRG)interactive

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🔍Earnings qualityinteractive

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⚖️Fair value by methodinteractive

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🔭Outlook & guidanceinteractive

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📈Investments: gains and what it boughtinteractive

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🏭Its industry’s money flow (input-output)interactive

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About Peoples Financial Services

Peoples Financial Services Corp. is the bank holding company of Peoples Security Bank and Trust Company, an independent community bank serving its retail and commercial customers through 40 full-service community banking offices located within Allegheny, Bucks, Lackawanna, Lancaster, Lebanon, Lehigh, Luzerne, Monroe, Montgomery, Northampton, Susquehanna, Wayne and Wyoming Counties in Pennsylvania, Middlesex County in New Jersey and Broome County in New York. Each office, interdependent with the community, offers a comprehensive array of financial products and services to individuals, businesses, not-for-profit organizations, and government entities. Peoples’ business philosophy includes offering direct access to senior management and other officers and providing friendly, informed and courteous service, and local and timely decision making. For more information visit psbt.com.

In its own words, from its 8-K, filed Jul 30, 2026.

Peoples Financial Services against its National Commercial Banks peers

The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +14% against the peers' median +8%. Operating margin: 42.3% against the peers' median 32.5%.

CompanyQuarterRevenueY/YOp. margin
PFIS Peoples Financial ServicesQ3 2026$53.0M+14%42.3%
JPM JPMorgan ChaseQ3 2026$50.2B+8%40.1%
BAC Bank of AmericaQ3 2026$30.0B+3%29.9%
C CitigroupQ3 2026$23.8B+8%30.6%
WFC Wells FargoQ3 2026$21.9B+2%32.5%
COF Capital One FinancialQ3 2026$16.3B+6%28.0%
USB US BancorpQ3 2026$8.0B+9%35.1%
PNC PNC Financial Services GroupQ3 2026$6.6B+11%40.0%
TFC Truist FinancialQ3 2026$3.7B-28%23.9%

Source: Peoples Financial Services 10-Q on SEC EDGAR · CIK 1056943 · National Commercial Banks

Guidance and outlook

Peoples Financial Services: what its forward-looking statements are about (10-Q filed 2026-11-06)Peoples Financial Services: what its forward-looking statements are about (10-Q filed 2026-11-06)Other3Supply chain2The economy1
6 statements; tone -0.17 (−1 all cautious, +1 all confident); 1 hedged.
Peoples Financial Services: outlook statements against the filing beforePeoples Financial Services: outlook statements against the filing beforeConfident1Cautious2

13F: who owns PFIS and who is buying

Largest holders of PFIS (13F)Largest holders of PFIS (13F)BlackRock$49.4MVanguard Capital Management LLC$26.8MVanguard Group$24.6MDimensional Fund Advisors LP$22.5MGeode Capital Management, LLC$16.6MState Street$14.1MAmerican Century Companies$13.5MPeoples Financial Services$6.0MNorthern Trust$5.7MBridgeway Capital Management, LLC$5.5M
Funds' net buying of PFIS by quarter (13F)Funds' net buying of PFIS by quarter (13F)$3.2M2024-09$454K2024-12$4.0M2025-03$892K2025-06−$2.1M2025-09−$2.0M2025-12$3.1M2026-03$27.3M2026-06
Value of shares 13F filers added minus the value they sold, each quarter (quarters with most filings in).

More on PFIS

History

Every quarter: Q3 2026 results

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中文版：Peoples Financial Services（PFIS）财报

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