NASDAQ$PFIS
Peoples Financial Services · Q4 2024 earnings
Q4 2024 earnings · · Investor relations
Briefing
Net income increased due to lower provisions for credit losses and noninterest expenses, offsetting reduced net interest income. The merger with FNCB Bancorp was consummated on July 1, 2024, impacting financial results.
Peoples Financial Services Corp. reported a net income of $6.1 million, or $0.61 per diluted share, for Q4 2024, which is an increase compared to the net loss of $4.3 million, or $0.43 per diluted share, for the previous quarter. Core net income, excluding non-recurring acquisition-related expenses, was $10.0 million, or $0.99 per diluted share.
- Net income increased primarily due to lower provisions for credit losses and noninterest expenses.
- Core net income, excluding non-recurring acquisition related expenses, totaled $10.0 million or $0.99 per diluted share.
- Pre-provision net revenue (PPNR) was $9.6 million or $0.96 per diluted share.
- Core pre-provision net revenue (PPNR) was $14.6 million or $1.46 per diluted share.
Headline financials
Revenue & EPS history
Peoples Financial · Revenue · Quarterly
$44.9M
Revenue by segment
Peoples Financial · $4.48M total across 7 segments · Q3 2020
- Service Charges, Fees, Commissions and Other$1.58M—35.4%
- Interest Rate Swap Income (Loss)$1.23M—27.4%
- Commissions and Fees on Fiduciary Activities$575K—12.8%
- Mortgage Banking Income$488K—10.9%
- Wealth Management Income$272K—6.1%
- Increase in Cash Surrender Value of Life Insurance$192K—4.3%
- Merchant Services Income$137K—3.1%
Historical earnings impact
How earnings announcements have historically affected this stock's price.
Avg. return before/after earnings
Based on 20 quarterly earnings reports · overlaid with Q4 2024
+0.8%
Avg return
Earnings day
+1.9%
Avg return
5 days after
+2.5%
Avg return
30 days after
49%
32 / 65 earnings
Positive
+16.8%
Q3 2024
Best reaction
-12.8%
Q4 2019
Worst reaction
| Quarter | Report date | Reaction (Day 0) | +5 days | +30 days |
|---|---|---|---|---|
| Q1 2026 | +0.6% | +0.6% | +4.8% | |
| Q4 2025 | +0.0% | +6.9% | +4.2% | |
| Q3 2025 | +2.9% | +3.9% | +10.6% | |
| Q1 2025 | +3.5% | +6.0% | +1.7% | |
| Q4 2024 | -3.5% | +0.5% | -11.3% | |
| Q3 2024 | +16.8% | +6.7% | +16.0% | |
| Q2 2024 | +3.6% | +1.1% | -3.2% | |
| Q1 2024 | -1.2% | -2.2% | +6.0% | |
| Q4 2023 | -1.6% | -2.2% | -15.9% | |
| Q3 2023 | +0.1% | +2.6% | +9.2% | |
| Q2 2023 | +1.0% | +0.7% | -5.1% | |
| Q1 2023 | +0.5% | -5.8% | +1.9% | |
| Q4 2022 | -0.3% | +0.0% | -1.9% | |
| Q3 2022 | +0.3% | +4.3% | +11.3% | |
| Q2 2022 | -1.3% | -1.4% | +1.7% | |
| Q1 2022 | -0.5% | +0.8% | +7.2% | |
| Q4 2021 | +2.5% | +1.0% | -2.6% | |
| Q3 2021 | +1.4% | -0.1% | +8.6% | |
| Q2 2021 | -0.7% | -0.5% | +5.2% | |
| Q1 2021 | +0.6% | +1.0% | +4.8% | |
| Q4 2020 | +8.3% | +9.2% | +22.9% | |
| Q3 2020 | +2.0% | +2.1% | +5.7% | |
| Q2 2020 | -0.4% | -0.2% | +2.6% | |
| Q1 2020 | +7.9% | +27.1% | +9.5% | |
| Q4 2019 | -12.8% | -12.2% | -9.6% | |
| Q3 2019 | +0.2% | +2.6% | +2.4% | |
| Q2 2019 | +0.2% | +1.3% | -2.7% | |
| Q1 2019 | -0.0% | -0.1% | -2.6% | |
| Q4 2018 | +1.1% | +6.7% | +6.7% | |
| Q3 2018 | -1.1% | +5.7% | +5.2% | |
| Q2 2018 | -0.6% | -0.6% | -3.0% | |
| Q1 2018 | +0.5% | -0.9% | +3.1% | |
| Q4 2017 | -3.0% | -5.6% | -6.7% | |
| Q3 2017 | -0.9% | +3.5% | +5.2% | |
| Q2 2017 | -0.2% | -0.9% | -5.8% | |
| Q1 2017 | -1.6% | +2.2% | -6.8% | |
| Q4 2016 | +1.2% | +3.9% | -2.2% | |
| Q3 2016 | -0.8% | +2.6% | +16.0% | |
| Q2 2016 | +2.5% | +2.1% | +3.4% | |
| Q1 2016 | -1.3% | — | — | |
| Q4 2015 | +0.2% | — | — | |
| Q3 2015 | -1.3% | — | — | |
| Q2 2015 | +4.0% | — | — | |
| Q1 2015 | -0.6% | — | — | |
| Q4 2014 | -0.3% | — | — | |
| Q3 2014 | +1.3% | — | — | |
| Q2 2014 | +3.0% | — | — | |
| Q1 2013 | -0.2% | — | — | |
| Q1 2014 | +4.3% | — | — | |
| Q2 2013 | +3.8% | — | — | |
| Q4 2012 | +3.8% | — | — | |
| Q4 2013 | +3.8% | — | — | |
| Q3 2012 | +0.0% | — | — | |
| Q3 2013 | +0.0% | — | — | |
| Q2 2012 | +5.9% | — | — | |
| Q1 2012 | +3.4% | — | — | |
| Q4 2010 | +0.0% | — | — | |
| Q4 2009 | +0.0% | — | — | |
| Q4 2011 | +0.0% | — | — | |
| Q3 2011 | -0.0% | — | — | |
| Q3 2010 | -0.0% | — | — | |
| Q2 2011 | -1.8% | — | — | |
| Q2 2010 | -1.8% | — | — | |
| Q1 2011 | -1.8% | — | — | |
| Q1 2010 | +1.0% | — | — |
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