PEOPLES FINANCIAL SERVICES CORP.(PFIS)— Stock Profile, AI Score & Financials
Financials · Nasdaq · AI-powered stock analysis, 32-signal quality score, SEC EDGAR financials, and institutional holdings. Updated .
PEOPLES FINANCIAL SERVICES CORP. (PFIS) stock profile, AI quality score, and SEC EDGAR financial data, a Financials sector company. 13F Pro's AI-powered ranking engine scores PFIS at 70.0/100 on a 32-signal composite quality model, placing it at rank #238 of 2,960 stocks — the top 10% of the AI-ranked universe. PFIS scores in the top quartile across revenue growth (92.2), profitability (91.9), free cash flow (76.6). Areas of concern include revenue scale (23.5) and earnings quality (29.5), which score below median versus the broader universe. Based on the latest XBRL financial filings (Q2 2026), PEOPLES FINANCIAL SERVICES CORP. reports quarterly revenue of $52.1M, net income of $14.8M, an operating margin of 35.3%. Top institutional holders of PFIS by reported 13-F value include BlackRock, VANGUARD CAPITAL MANAGEMENT, DIMENSIONAL FUND ADVISORS, based on the most recent SEC filings. PFIS trades on the Nasdaq exchange and files with the SEC under CIK 1056943. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate PFIS daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for PEOPLES FINANCIAL SERVICES CORP. directly from SEC EDGAR.
AI Quality Score
70.0/100
AI Rank
#238
Revenue
$52.1M
Net Income
$14.8M
Free Cash Flow
$12.2M
Operating Margin
35.3%
PFIS key financials by period
PEOPLES FINANCIAL SERVICES CORP. reported revenue, net income and margins by fiscal period, from SEC filings.
Period
Form
Revenue
Net income
Operating margin
FY 2025
10-K
$187.7M
$59.2M
38.5%
FY 2023
10-K
$100.9M
$27.4M
32.2%
FY 2022
10-K
$107.6M
$38.1M
42.2%
FY 2021
10-K
$110.3M
$43.5M
48.5%
FY 2020
10-K
$96.4M
$29.4M
35.4%
FY 2019
10-K
$90.6M
$25.7M
31.9%
Institutions holding PFIS
Institutional investors reporting a position in PEOPLES FINANCIAL SERVICES CORP. on SEC Form 13F.
AI-extracted from the 10-Q filed 2026-08-07 — Q2 FY2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.
Net income fell to $14.8M ($1.48/diluted share) from $17.0M a year ago as a $3.1M credit-loss provision tied to strong loan growth outweighed higher net interest income.
Biggest Revenue Drivers
Net interest income$45.6M+8% YoY
Higher volume of earning assets, primarily loans, and lower deposit costs partially offset by lower loan yields
Noninterest income$6.5M+5% YoY
Gain on sale of a branch property plus increases in wealth management and mortgage banking income
Biggest Revenue Drivers
Net interest income$45.6M+8% YoY
Higher volume of earning assets, primarily loans, and lower deposit costs partially offset by lower loan yields
Noninterest income$6.5M+5% YoY
Gain on sale of a branch property plus increases in wealth management and mortgage banking income
Largest Expense Items
Salaries and employee benefits expense$15.1M+9.6% YoY
Annual merit increases and higher benefit costs
Net occupancy and equipment expense$7.3M+16.8% YoY
Higher leasing costs and data processing expenses
Provision for credit losses$3.1Mvs. a $0.2M benefit in Q2 2025
Impact of significant loan growth during the quarter
Margins: FTE net interest margin rose 13 bps YoY to 3.82% on lower deposit costs and higher earning-asset volumes, but the efficiency ratio worsened to 55.16% from 53.92% as noninterest expense growth outpaced revenue.
Watch Items from the Filing
Nonaccrual loans rose to $13.7M from $10.8M at year-end, driven by one commercial relationship (two loans) placed on nonaccrual at quarter-end.
Provision for credit losses swung to $3.1M from a $0.2M benefit a year ago, reflecting rapid loan growth (loans up 11.7% annualized) that could pressure reserves further.
Brokered time deposits jumped to $347.7M (7.7% of deposits) as the Company offset cyclical municipal deposit outflows, raising funding cost/concentration risk.
Estimated uninsured deposits were approximately $1.4 billion, or 31.0% of total deposits, at June 30, 2026.
AI-extracted and verified against SEC EDGAR filing text. Not investment advice.
