Filing Flows › Peoples Financial Services (PFIS) › Q3 2026
Peoples Financial Services (PFIS) Q3 2026 earnings results (third quarter 2026)
10-Q filed Nov 6, 2026
Peoples Financial Services (PFIS) reported revenue of $53.0M for the third quarter 2026 (Q3 2026), +13% from a year earlier and +2% from the quarter before. Operating margin was 42.3%, net earnings $19.1M (36.1% of revenue).
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 follows the revenue to costs, profit and cash.
| Q3 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $53.0M | +2% | +13% |
| Operating profit | $22.4M | +22% | +19% |
| Net earnings | $19.1M | +29% | +25% |
| Operating cash flow | $14.8M | +7% | -2% |
| Free cash flow | $13.6M | +11% | +4% |
What changed
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.
Questions
What was Peoples Financial Services' revenue in the third quarter 2026?
Peoples Financial Services (PFIS) reported revenue of $53.0M for the third quarter 2026 (Q3 2026), +13% from a year earlier and +2% from the quarter before.
Was Peoples Financial Services profitable in the third quarter 2026?
Operating profit was $22.4M (42.3% of revenue) and net earnings $19.1M.