<span item_type="fundamental" item_id="e495ccd06ec831d92f80f15e0815f8d6" counter_id="ST/US/PFIS" env="prod"></span><span item_type="announcement" item_id="581240497867069825" env="prod"></span><p>Revenue: As of FY2025 Q3, the actual value is USD 46.68 M.</p><p>EPS: As of FY2025 Q3, the actual value is USD 1.51, missing the estimate of USD 1.535.</p><p>EBIT: As of FY2025 Q3, the actual value is USD -22.34 M.</p><p></p><h3>Segment Revenue</h3><ul><li><strong>Interest Income</strong>: 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.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1056943/000110465925108874/pfis-20250930x10q.htm"></span></li></ul><h3>Operational Metrics</h3><ul><li><strong>Net Income</strong>: 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.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1056943/000110465925108874/pfis-20250930x10q.htm"></span></li><li><strong>Provision for Credit Losses</strong>: 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.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1056943/000110465925108874/pfis-20250930x10q.htm"></span></li></ul><h3>Cash Flow</h3><ul><li><strong>Operating Cash Flow</strong>: 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.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1056943/000110465925108874/pfis-20250930x10q.htm"></span></li></ul><h3>Unique Metrics</h3><ul><li><strong>Noninterest Income</strong>: 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.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1056943/000110465925108874/pfis-20250930x10q.htm"></span></li></ul><h3>Future Outlook and Strategy</h3><ul><li><strong>Core Business Focus</strong>: The company aims to enhance market share positions in northeastern Pennsylvania and increase dividends for shareholders following the merger with FNCB Bancorp, Inc.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1056943/000110465925108874/pfis-20250930x10q.htm"></span></li><li><strong>Non-Core Business</strong>: The company completed the acquisition of FNCB Bancorp, Inc., which is expected to create meaningful value for shareholders and increase trading liquidity.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1056943/000110465925108874/pfis-20250930x10q.htm"></span></li></ul>

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