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Income Statement
Balance Sheet
Cash Flow Statement

Common Size IS
Op Efficiency
Credit Analysis

PEOPLES FINANCIAL SERVICES CORP. (PFIS)

Income Statement

Standardized | As Reported Annual | Quarterly | TTM
  Older >>
In millions, except per share itemsDec-31-22Dec-31-21Dec-31-20Dec-31-19Dec-31-18Dec-31-17Dec-31-16Dec-31-15
   10-K10-K10-K10-K10-K10-K10-K10-K
    Interest income:  
        Interest income on loans  95.582.583.782.574.464.959.954.0
        Interest income on investments  15.411.210.210.610.19.19.08.9
        Interest income on repurchase agreements  0.30.30.10.1   0.0
       111.394.194.193.484.774.269.063.0
    Interest expense:  
        Interest on deposits  12.67.311.715.09.36.55.45.0
        Interest on borrowings  0.10.30.71.21.2   
       15.69.414.317.913.38.77.36.0
Net interest income  95.784.679.875.571.365.561.757.0
Provision for loan losses  -0.41.87.46.14.24.85.03.7
Net interest income after provision for loan losses  96.282.972.469.467.160.756.753.3
        Deposit and loan fees         6.2
        Gain on sale of investments, net  0.71.13.21.90.20.2 1.2
        Other non-interest income  11.224.513.413.213.517.015.98.3
Total non-interest income  11.825.616.615.113.717.215.915.7
Non-interest expenses  62.755.054.955.652.551.348.046.8
Pre-tax income before non-recurring items  45.453.534.228.928.328.924.622.2
Non-recurring items       2.3  
Pre-tax income  45.453.534.228.928.326.624.622.2
Income taxes  7.310.04.83.23.48.25.04.5
            Tax rate  16.0%18.7%14.1%10.9%12.0%30.7%20.4%20.3%
Net income  38.143.529.425.724.918.519.617.7
            Net margin  35.3%40.1%33.0%30.4%30.8%23.7%27.0%25.7%
   
Basic EPS  $5.28$6.01$4.00$3.47$3.37$2.50$2.65$2.36
Diluted EPS  $5.28$6.01$4.00$3.47$3.37$2.50$2.65$2.36
   
Shares outstanding (basic)  7.27.27.37.47.47.47.47.5
Shares outstanding (diluted)  7.27.27.37.47.47.47.47.5
   
EBIT is a non-GAAP figure that excludes all non-recurring expenses: restructuring costs, asset impairments, IPR&D writeoffs, and other unusual charges.  

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