PEOPLES FINANCIAL SERVICES CORP. Declares Fourth Quarter 2025 Dividend
- Company Overview: Peoples Financial Services Corp. is highlighted with its logo featured in a PRNewsFoto release.
- Brand Recognition: The article emphasizes the visibility and branding efforts of Peoples Financial Services Corp. through media exposure.
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- Net Income Surge: In 2025, Peoples Financial Services reported net income of $59.2 million, or $5.88 per diluted share, a significant increase from $8.5 million in 2024, primarily driven by operational efficiencies from the merger with FNCB Bancorp and a reduction in credit loss provisions.
- Core Income Performance: The core net income for Q4 2025 was $13.7 million, or $1.36 per diluted share, up from $10.0 million and $0.99 per share in the same quarter of 2024, indicating continued growth supported by higher earning asset levels and increased transaction activity.
- Portfolio Repositioning: The company completed a repositioning of its investment securities portfolio in Q4 2025, selling $78.6 million of lower-yielding U.S. Treasury bonds, resulting in a pre-tax loss of approximately $2.2 million, but expects to recover this loss within 10 months, thereby strengthening its balance sheet.
- Improved Asset Quality: As of December 31, 2025, non-performing assets to total assets improved to 0.23% from 0.45% in 2024, reflecting positive progress in resolving commercial credit relationships and enhancing credit quality.
Dividend Declaration: Peoples Financial Services (PFIS) has declared a quarterly dividend of $0.6175 per share, consistent with previous dividends.
Dividend Details: The dividend has a forward yield of 5.56% and is payable on December 15, with shareholders of record on November 28, and an ex-dividend date also on November 28.
Financial Insights: Additional resources include PFIS's Dividend Scorecard, Yield Chart, and historical earnings data for further financial analysis.
Rating Status: Seeking Alpha’s Quant Rating indicates that Peoples Financial Services is still not ready for an upgrade.
- Company Overview: Peoples Financial Services Corp. is highlighted with its logo featured in a PRNewsFoto release.
- Brand Recognition: The article emphasizes the visibility and branding efforts of Peoples Financial Services Corp. through media exposure.

Income Investing Focus: Income investors prioritize generating consistent cash flow, primarily through dividends, which significantly contribute to long-term returns, often exceeding one-third of total returns.
Peoples Financial Services Overview: Peoples Financial Services (PFIS) offers a competitive dividend yield of 4.71%, with a recent annualized dividend increase of 20.2%, and is expected to see earnings growth of 58.36% in the upcoming fiscal year.
Dividend Declaration: Peoples Financial Services Corp. announced a third quarter cash dividend of $0.6175 per share, payable on September 15, 2025, to shareholders recorded by August 29, 2025.
Forward-Looking Statements: The company provided caution regarding forward-looking statements, highlighting risks and uncertainties that could affect actual results compared to expectations, particularly following its merger with FNCB Bancorp, Inc.

Investor Demand and Capital Raising: Peoples Financial Services Corp. successfully completed an oversubscribed private placement of $85 million in subordinated notes, which will be used for general corporate purposes and to redeem existing debt, enhancing the company's balance sheet and supporting growth.
Interest Rate Structure and Future Plans: The notes will initially have a fixed interest rate of 7.75% until June 2030, after which it will transition to a floating rate, with the company planning to redeem them starting from that date under certain conditions.








