Financials Peoples Financial Services Corp.

Equities

Market Closed - Nasdaq Other stock markets 02:30:00 19/02/2026 am IST			5-day change	1st Jan Change
55.72 ^USD	-2.54%		-0.38%	+14.39%

31/01	Peoples Financial Services Corp. Reports Net Charge-Offs for the Fourth Quarter Ended December 31, 2025	CI
31/01	Peoples Financial Services Corp. and Peoples Security Bank and Trust Company Announce Executive Changes	CI

Fiscal Period: December	2021	2022	2023	2024	2025	2026	2027
Net sales ¹	-	107.6	100.9	134.3	187.7	206	218
Change	-	-	-6.23%	33.14%	39.73%	9.76%	5.85%
EBITDA	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-
EBIT ¹	-	-	33.07	27.6	72.33	85.6	94.55
Change	-	-	-	-16.54%	162.08%	18.34%	10.46%
Interest Paid	-	-	-	-	-	-	-
Earnings before Tax (EBT) ¹	-	45.37	32.5	8.468	72.23	81.1	89.95
Change	-	-	-28.36%	-73.95%	753.02%	12.27%	10.91%
Net income ¹	43.52	38.09	27.38	8.498	59.19	65.45	72.7
Change	-	-12.48%	-28.12%	-68.96%	596.48%	10.58%	11.08%
Announcement Date	31/01/22	26/01/23	25/01/24	06/02/25	30/01/26	-	-

¹USD in Million

Estimates

Fiscal Period: December	2022 Q1	2022 Q2	2022 Q3	2022 Q4	2023 Q1	2023 Q2	2023 Q3	2023 Q4	2024 Q1	2024 Q2	2024 Q3	2024 Q4	2025 Q1	2025 Q2	2025 Q3	2025 Q4	2026 Q1	2026 Q2	2026 Q3	2026 Q4	2027 Q1	2027 Q2	2027 Q3
Net sales ¹	26.05	27.59	28.32	25.64	26.72	25.65	24.97	23.48	22.72	22.93	44.97	44.18	45.8	48.44	46.68	46.76	49.9	51	52.1	53	53.15	53.85	55.1
Change	-	5.9%	2.64%	-9.45%	4.21%	-4%	-2.65%	-5.95%	-3.25%	0.91%	96.13%	-1.74%	3.67%	5.76%	-3.63%	0.16%	6.72%	2.2%	2.16%	1.73%	0.28%	1.32%	2.32%
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBIT ¹	-	-	-	-	-	-	7.915	5.886	5.614	5.84	9.464	9.184	18.45	20.18	18.72	15.69	21.4	22.2	22.7	22.6	23.4	23.3	23.4
Change	-	-	-	-	-	-	-	-25.63%	-4.62%	4.03%	62.05%	-2.96%	100.9%	9.38%	-7.24%	-16.17%	36.37%	3.74%	2.25%	-0.44%	3.54%	-0.43%	0.43%
Charge d'intérêts	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Earnings before Tax (EBT) ¹	11.46	11.14	11.93	10.83	8.968	11.24	8.081	4.217	3.944	3.703	-4.994	5.815	18.25	20.42	18.84	14.72	19	19.95	20.9	21.3	21.45	22.05	22.9
Change	-	-2.77%	7.04%	-9.24%	-17.18%	25.28%	-28.07%	-47.82%	-6.47%	-6.11%	-234.86%	216.44%	213.86%	11.89%	-7.72%	-21.9%	29.09%	5%	4.76%	1.91%	0.7%	2.8%	3.85%
Net income ¹	9.63	9.353	9.968	9.139	7.579	9.425	6.746	3.63	3.466	3.282	-4.337	6.087	15.01	16.96	15.25	11.98	15.35	16.1	16.85	17.2	17.3	17.85	18.55
Change	-	-2.88%	6.58%	-8.32%	-17.07%	24.36%	-28.42%	-46.19%	-4.52%	-5.31%	-232.15%	240.35%	146.57%	12.97%	-10.08%	-21.45%	28.17%	4.89%	4.66%	2.08%	0.58%	3.18%	3.92%
Announcement Date	26/04/22	21/07/22	20/10/22	26/01/23	27/04/23	25/07/23	30/10/23	25/01/24	25/04/24	26/07/24	05/11/24	06/02/25	01/05/25	31/07/25	30/10/25	30/01/26	-	-	-	-	-	-	-

¹USD in Million

Estimates

Fiscal Period: December	2021	2022	2023	2024	2025	2026	2027
Net Debt	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-
Announcement Date	31/01/22	26/01/23	25/01/24	06/02/25	30/01/26	-	-

Estimates

Fiscal Period: December	2019	2020	2021	2022	2023	2024
CAPEX ¹	5.603	2.292	4.885	7.831	5.925	2.575
Change	-	-59.09%	113.13%	60.31%	-24.34%	-56.54%
Free Cash Flow (FCF) ¹	-	-	-	-	-	-
Change	-	-	-	-	-	-
Announcement Date	16/03/20	16/03/21	16/03/22	15/03/23	15/03/24	28/03/25

¹USD in Million

Estimates

Fiscal Period: December	2019	2020	2021	2022	2023	2024	2025	2026	2027
Profitability
EBITDA Margin (%)	-	-	-	-	-	-	-	-	-
EBIT Margin (%)	-	-	-	-	32.78%	20.55%	38.54%	41.55%	43.36%
EBT Margin (%)	-	-	-	42.16%	32.22%	6.3%	38.49%	39.37%	41.25%
Net margin (%)	-	-	-	35.4%	27.14%	6.33%	31.53%	31.77%	33.34%
FCF margin (%)	-	-	-	-	-	-	-	-	-
FCF / Net Income (%)	-	-	-	-	-	-	-	-	-
Profitability
ROA	-	-	-	1.16%	0.78%	0.72%	1.17%	1.22%	1.3%
ROE	-	-	-	12.35%	8.76%	7.88%	11.89%	12%	11.7%
Financial Health
Leverage (Debt/EBITDA)	-	-	-	-	-	-	-	-	-
Debt / Free cash flow	-	-	-	-	-	-	-	-	-
Capital Intensity
CAPEX / Current Assets (%)	-	-	-	-	-	-	-	-	-
CAPEX / EBITDA (%)	-	-	-	-	-	-	-	-	-
CAPEX / FCF (%)	-	-	-	-	-	-	-	-	-
Items per share
Cash flow per share ¹	-	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-	-
Dividend per Share ¹	-	-	-	-	1.64	2.06	2.47	2.47	2.47
Change	-	-	-	-	-	25.61%	19.9%	-0.4%	0%
Book Value Per Share ¹	-	-	-	-	48.35	46.94	52.01	56.04	60.41
Change	-	-	-	-	-	-2.92%	10.8%	8.04%	7.8%
EPS ¹	-	-	6.02	5.28	3.83	0.99	5.88	6.49	7.215
Change	-	-	-	-12.29%	-27.46%	-74.15%	493.94%	4.51%	11.17%
Nbr of stocks (in thousands)	-	-	7,173	7,163	7,041	9,995	9,995	9,995	9,995
Announcement Date	-	-	31/01/22	26/01/23	25/01/24	06/02/25	30/01/26	-	-