PEOPLES FINANCIAL SERVICES | 10-Q: FY2025 Q3 Revenue: USD 46.68 M

Revenue: As of FY2025 Q3, the actual value is USD 46.68 M.

EPS: As of FY2025 Q3, the actual value is USD 1.51, missing the estimate of USD 1.535.

EBIT: As of FY2025 Q3, the actual value is USD -22.34 M.

Segment Revenue

• Interest Income: Total interest income for the nine months ended September 30, 2025, was $192,925 thousand, compared to $145,657 thousand for the same period in 2024.

Operational Metrics

• Net Income: Net income for the nine months ended September 30, 2025, was $47,211 thousand, compared to $2,411 thousand for the same period in 2024.
• Provision for Credit Losses: There was a credit to provision for credit losses of - $877 thousand for the nine months ended September 30, 2025, compared to a provision of $15,762 thousand for the same period in 2024.

Cash Flow

• Operating Cash Flow: Net cash provided by operating activities was $38,182 thousand for the nine months ended September 30, 2025, compared to $26,861 thousand for the same period in 2024.

Unique Metrics

• Noninterest Income: Total noninterest income for the nine months ended September 30, 2025, was $18,004 thousand, compared to $12,665 thousand for the same period in 2024.

Future Outlook and Strategy

• Core Business Focus: The company aims to enhance market share positions in northeastern Pennsylvania and increase dividends for shareholders following the merger with FNCB Bancorp, Inc.
• Non-Core Business: The company completed the acquisition of FNCB Bancorp, Inc., which is expected to create meaningful value for shareholders and increase trading liquidity.