Filing Flows › Peoples Financial Services (PFIS) › Q3 2026 › vs Q3 2025
Peoples Financial Services (PFIS) Q3 2026 vs Q3 2025 (year over year)
Peoples Financial Services's revenue rose $6.3M (+13%) from $46.7M in Q3 2025 to $53.0M in Q3 2026. The biggest changes: Net interest income +$6.1M (+15%); Noninterest income +$178K (+3%). Operating margin 42.3% against 40.4% (+1.9 pts).
Peoples Financial Services, Q3 2026: revenue $53.0M (+14% year over year), operating margin 42.3%, net earnings $19.1M, operating cash flow $14.8M. The chart draws each line against Q3 2025, the increases inside each band.
Margins
| Q3 2026 | Q3 2025 | Change | |
|---|---|---|---|
| Operating margin | 42.3% | 40.4% | +1.9 pts |
| Net margin | 36.1% | 32.7% | +3.5 pts |
| Free cash flow margin | 25.6% | 27.9% | -2.3 pts |
Every line
| Line | Q3 2026 | Q3 2025 | Change | % |
|---|---|---|---|---|
| Net interest income | $47.3M | $41.2M | $6.1M | +15% |
| Noninterest income | $5.7M | $5.5M | $178K | +3% |
| Revenue | $53.0M | $46.7M | $6.3M | +13% |
| Operating profit | $22.4M | $18.8M | $3.6M | +19% |
| Costs & expenses | $30.6M | $27.8M | $2.7M | +10% |
| Pre-tax earnings | $22.4M | $18.8M | $3.6M | +19% |
| Net earnings | $19.1M | $15.2M | $3.9M | +25% |
| Income tax | $3.3M | $3.6M | −$319K | -9% |
| Depreciation & amortization | $936K | $823K | $113K | +14% |
| Share-based compensation | $584K | $267K | $317K | +119% |
| Working capital & other | $5.8M | $1.1M | $4.7M | +420% |
| Operating cash flow | $14.8M | $15.2M | −$379K | -2% |
| Free cash flow (OCF − capex) | $13.6M | $13.0M | $522K | +4% |
| Capital expenditures | $1.3M | $2.2M | −$901K | -41% |
Questions
How much did Peoples Financial Services's revenue grow year over year in Q3 2026?
Peoples Financial Services's revenue rose $6.3M (+13%) from $46.7M in Q3 2025 to $53.0M in Q3 2026.
What drove Peoples Financial Services's revenue change in Q3 2026?
Net interest income +$6.1M (+15%); Noninterest income +$178K (+3%).