Peoples Financial Services Corp
pfis.q4ir.comWhat Do They Do?
Provides commercial and consumer banking, including loans and deposit accounts, to businesses, public organizations, and individuals.
10-K for FY2025, filed Mar 16, 2026Peoples Financial Services Corp., a bank holding company incorporated under the laws of Pennsylvania, provides a full range of financial…View ↗
Our primary commercial loan products are targeted to small and medium sized businesses and include various types of commercial real estate…View ↗
We generate interest income from our loan and securities portfolios. Other income is generated primarily from merchant transaction fees and…View ↗
How Do They Make Money?
Earns interest on loans and securities, plus fees from banking, merchant processing, trust and wealth services. Customers pay account fees periodically or as they use banking services; card and merchant fees vary with transaction and processing activity, while trust and wealth fees are charged for services or brokerage transactions.
10-K for FY2025, filed Mar 16, 2026We generate interest income from our loan and securities portfolios. Other income is generated primarily from merchant transaction fees and…View ↗
The Company’s primary sources of revenue are derived from interest and dividends earned on loans, investment securities, and other…View ↗
Service charges, fees, commissions and other. Service charges, fees and commissions on deposit accounts include fees for banking services…View ↗
Commission and fees on fiduciary activities. Commission and fees on fiduciary activities includes fees and commissions from investment…View ↗
Wealth management income. Wealth management income includes fees and commissions charged when the Company arranges for another party to…View ↗
Merchant services income. Merchant services revenue is derived from a third party vendor that processes credit card transactions on behalf…View ↗
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10-K for FY2025, filed Mar 16, 2026
FY2025 revenue by product or service (Revenue from contracts with customers) ↗
$259.7M
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10-K for FY2025, filed Mar 16, 2026
$259.7M ↗
| Segment | Share | Revenue | How money arrives |
|---|---|---|---|
|
Service charges, fees, commissions and other
|
68%
FY2022: 60%
|
Service charges, fees, commissions and other, FY2025
$13.6M Sources
|
|
|
Merchant services income
Usage-based
|
6.5%
FY2022: 8.2%
|
Merchant services income, FY2025
$1.3M Sources
|
Usage-based |
|
Commission and fees on fiduciary activities
Recurring
10-K for FY2025, filed Mar 16, 2026 |
11%
FY2022: 19%
|
Commission and fees on fiduciary activities, FY2025
$2.3M Sources
|
Recurring |
|
Wealth management income
Usage-based
10-K for FY2025, filed Mar 16, 2026 |
15%
FY2022: 12%
|
Wealth management income, FY2025
$3M Sources
|
Usage-based |
Who Are Their Customers?
Serves businesses and professionals, public and nonprofit organizations, and individual customers through community banking offices and online and mobile channels.
10-K for FY2025, filed Mar 16, 2026Our primary commercial loan products are targeted to small and medium sized businesses and include various types of commercial real estate…View ↗
We generate interest income from our loan and securities portfolios. Other income is generated primarily from merchant transaction fees and…View ↗
We provide customers with 24/7 access to banking services through our online banking platforms at psbt.com and through our mobile app.…View ↗
We operate our business as a single integrated business unit which provides a number of products and services to meet our customers banking…View ↗
Do Revenues Turn Into Profits?
Yes. It kept 23 cents of every revenue dollar as net income in FY2025 and turned 17 cents into free cash flow.
How Are They Changing?
10-Q for Q2 FY2026, filed Aug 7, 2026
Open tableView ↗
Growing. Revenue grew 2.8x in 4 years, from $94.1M in FY2021 to $259.7M in FY2025, about 29% a year.
Equipment financing
The latest report describes specialized equipment financing through a subsidiary, broadening the older report’s description of its commercial, municipal, and consumer lending products.
10-K for FY2022, filed Mar 15, 2023 10-K for FY2025, filed Mar 16, 2026
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