Peoples Financial Services
Runs Peoples Security Bank across Pennsylvania, New Jersey, and New York.
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Profile
Runs Peoples Security Bank, offering commercial and real estate lending, deposits, cash management, trust, and wealth services. The franchise is concentrated in Pennsylvania, New Jersey, and New York and is managed as one community banking segment shaped by loan credit, deposit funding, interest rates, and the FNCB merger.
Through its Peoples Security Bank subsidiary, operates an independent community bank serving retail, commercial, nonprofit, municipal, and government customers. Products include commercial lending and leasing, real-estate secured lending, equipment finance, working-capital lines, deposits, cash management, trust, and wealth management.
The franchise is concentrated in Pennsylvania, New Jersey, and New York, with a footprint enlarged by the FNCB merger. The bank is reported as a single operating segment, reflecting shared products, customers, delivery systems, and regulatory oversight across its offices.
Operating discipline centers on relationship banking: direct access to senior management, local decision-making, and consistently applied credit policies. Earnings depend on deposit funding, loan credit quality, commercial-real-estate exposure, interest rates, service-fee lines, and integration scale after FNCB.
Company facts
Categories
Key statistics
Year to date +44.9% · Average volume (30d) 57.9K
Analysts
No analyst consensus on record.
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Jul 30, 2026Q2 FY26 | $1.64 | $1.48 | −9.8% | $52.4M | $52.1M | −0.4% | −1.05% |
| Apr 30, 2026Q1 FY26 | $1.54 | $1.43 | −7.1% | $50.0M | $49.8M | −0.4% | −0.44% |
| Feb 5, 2026Q4 FY25 | $1.52 | $1.36 | −10.5% | $48.3M | $46.8M | −3.1% | +0.79% |
| Oct 30, 2025Q3 FY25 | $1.52 | $4.71 | +209.9% | $48.3M | $47.3M | −2.0% | −5.54% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $68.0M | $71.6M | $71.3M | $70.5M | $71.6M | $74.3M | |
| Gross profit | $44.9M | $48.7M | $48.1M | $45.8M | $48.4M | $49.0M | |
| Operating income | $18.3M | $20.5M | $18.8M | $14.7M | $18.5M | $18.4M | |
| Net income | $15.0M | $17.0M | $15.2M | $12.0M | $14.7M | $14.8M | |
| Diluted EPS | $1.49 | $1.68 | $1.51 | $1.19 | $1.47 | $1.48 | |
| Gross margin | 66.1% | 68.0% | 67.5% | 64.9% | 67.6% | 66.0% | |
| Operating margin | 26.8% | 28.6% | 26.4% | 20.9% | 25.9% | 24.8% |
Fiscal years (4-quarter sums)FY21 $107.7M · FY22 $123.7M · FY23 $164.0M · FY24 $229.8M · FY25 $281.4M
Revenue by product · Q2 FY26
Balance sheet, Jun 30, 2026Cash & short-term investments $74.9M · Total debt $239.8M · Total assets $5.44B · Shareholders' equity $536.2M
Dividends
Raised for 30 straight years — most recently to $0.625 from $0.6175 in Feb 2026. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| May 29, 2026 | May 29 | Jun 15 | $0.625 | |
| Feb 27, 2026 | Feb 27 | Mar 13 | $0.625 | raised from $0.6175 |
| Nov 28, 2025 | Nov 28 | Dec 15 | $0.6175 | |
| Aug 29, 2025 | Aug 29 | Sep 15 | $0.6175 | |
| May 30, 2025 | May 30 | Jun 13 | $0.6175 | |
| Feb 28, 2025 | Feb 28 | Mar 14 | $0.6175 | |
| Nov 29, 2024 | Nov 29 | Dec 13 | $0.6175 | |
| Aug 30, 2024 | Aug 30 | Sep 13 | $0.6175 | raised from $0.41 |
Ownership
Shares outstanding 10.01M · Float 9.17M · 91.6% free float
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| BlackRock, Inc. | 744.5K | 7.44% | 13F | Aug 7, 2026 |
| Vanguard Capital Management LLC | 403.2K | 4.03% | 13F | Aug 13, 2026 |
| Louis A. Denaples · director | 340.6K | 3.40% | Form 4 | Feb 3, 2026 |
| Dimensional Fund Advisors LP | 339.3K | 3.39% | 13F | Aug 11, 2026 |
| Geode Capital Management, LLC | 249.6K | 2.49% | 13F | Aug 12, 2026 |
Insider tradesForm 4
No open-market trades in the last 12 months.
View detailsPeers
- Fulton Financial
Broad Mid-Atlantic commercial, branch, and wealth overlap
- Community Financial System
Direct NY and northeastern PA banking and wealth overlap
- NBT Bancorp
Northeast community bank overlap in NY and Pennsylvania
- WSFS Bank
PA/NJ commercial, treasury, and wealth overlap
- Univest Financial
PA/NJ banking, municipal, wealth, and equipment overlap
- S&T Bancorp
Pennsylvania commercial, deposit, cash-management overlap
- Norwood Financial
Close NE PA and NY branch-market and municipal overlap
- Citizens & Northern
Close PA/NY community-bank, wealth, and lending overlap
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Peoples Financial Services | $69.63 | −0.30% | $697.1M | 12.3 | 9.9 | 2.4 | +7.6% |
| Fulton Financial | $23.69 | +0.02% | $4.53B | 11.3 | 10.6 | 2.4 | +13.5% |
| Community Financial System | $63.11 | −0.06% | $3.32B | 14.7 | 13.0 | 3.2 | +9.6% |
| NBT Bancorp | $51.55 | 0.00% | $2.68B | 12.6 | 11.8 | 2.8 | +9.4% |
| WSFS Bank | $78.30 | +0.03% | $4.08B | 13.1 | 11.9 | 3.0 | +5.6% |
| Univest Financial | $41.57 | +0.10% | $1.15B | 12.0 | 10.7 | 2.2 | +4.1% |
| S&T Bancorp | $49.79 | −0.02% | $1.76B | 13.3 | 12.6 | 3.1 | +5.2% |
| Norwood Financial | $34.15 | −0.29% | $371.9M | 10.9 | 9.1 | 2.6 | +37.8% |
| Citizens & Northern | $25.54 | +0.04% | $457.6M | 17.3 | 9.5 | 2.8 | +46.4% |
| Median | 12.9 | 11.2 | 2.8 | +9.5% |