Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 Form 10-Q ☒ Quarterly report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 for the quarterly period ended June 30, 2025 or ☐ Transition report pursuant to Section 13 or 15 (d) of the Securities Exchange Act of 1934 for the transition period from 001-36388 (Commission File Number) PEOPLES FINANCIAL SERVICES CORP. (Exact name of registrant as specified in its charter) Pennsylvania 23-2391852 (State ...

Getting big returns from financial portfolios, whether through stocks, bonds, ETFs, other securities, or a combination of all, is an investor's dream. But for income investors, generating consistent cash flow from each of your liquid investments is your primary focus.While cash flow can come from bond interest or interest from other types of investments, income investors hone in on dividends. A dividend is that coveted distribution of a company's earnings paid out to shareholders, and investors often view i ...

Exhibit 99.1 NEWS RELEASE TO BUSINESS EDITOR: PEOPLES FINANCIAL SERVICES CORP. Reports Unaudited Second Quarter and Year to Date 2025 Earnings Dunmore, PA, July 31, 2025/PRNEWSWIRE/ – Peoples Financial Services Corp. ("Peoples" or the "Company") (NASDAQ: PFIS), the bank holding company for Peoples Security Bank and Trust Company (the "Bank"), today reported unaudited financial results at and for the three and six months ended June 30, 2025. Peoples reported net income of $17.0 million, or $1.68 per diluted ...

Company Overview - Peoples Financial Services Corp. is the bank holding company for Peoples Security Bank and Trust Company, which operates 39 full-service community banking offices across Pennsylvania, New Jersey, and New York [2] - The bank serves retail and commercial customers, offering a wide range of financial products and services to individuals, businesses, not-for-profit organizations, and government entities [2] - The company's business philosophy emphasizes direct access to senior management and providing friendly, informed, and courteous service [2] Recent Financial Actions - The Board of Directors declared a third quarter cash dividend of $0.6175 per share, payable on September 15, 2025, to shareholders of record on August 29, 2025 [1]

Company Overview - Peoples Financial Services (PFIS) is based in Dunmore and operates in the Finance sector, with a year-to-date share price change of -0.25% [3] - The company is the holding entity for Peoples Security Bank and Trust, currently offering a dividend of $0.62 per share, resulting in a dividend yield of 4.84% [3] Dividend Performance - The current annualized dividend of $2.47 represents a 20.2% increase from the previous year [4] - Over the past five years, PFIS has raised its dividend four times, achieving an average annual increase of 11.43% [4] - The company's current payout ratio stands at 52%, indicating that it distributes 52% of its trailing 12-month earnings per share as dividends [4] Earnings Expectations - PFIS is projected to see earnings growth this fiscal year, with the Zacks Consensus Estimate for 2025 at $5.97 per share, reflecting a 58.36% increase from the previous year [5] Investment Appeal - PFIS is characterized as an attractive dividend investment, with a Zacks Rank of 1 (Strong Buy), suggesting it is a compelling investment opportunity [6] - The company is positioned favorably compared to the Banks - Northeast industry, which has a dividend yield of 2.72%, and the S&P 500, which has a yield of 1.55% [3]

Company Overview - Peoples Financial Services (PFIS) is headquartered in Dunmore and has experienced a price change of -3.09% this year [3] - The company currently pays a dividend of $0.62 per share, resulting in a dividend yield of 4.98%, which is significantly higher than the Banks - Northeast industry's yield of 2.77% and the S&P 500's yield of 1.58% [3] Dividend Performance - The current annualized dividend of $2.47 represents a 20.2% increase from the previous year [4] - Over the past 5 years, PFIS has increased its dividend 4 times year-over-year, averaging an annual increase of 9.97% [4] - The company's current payout ratio is 52%, indicating that it paid out 52% of its trailing 12-month earnings per share as dividends [4] Earnings Growth - Earnings growth for PFIS appears strong, with the Zacks Consensus Estimate for 2025 projected at $5.97 per share, reflecting a year-over-year growth rate of 58.36% [5] Investment Appeal - PFIS is considered a compelling investment opportunity due to its attractive dividend yield and strong Zacks Rank of 1 (Strong Buy) [7]

INVESTOR PRESENTATION 2024 Third Quarter Earnings psbt.com Nasdaq: PFIS CAUTIONARY NOTE ABOUT FORWARD-LOOKING STATEMENTS: We make statements in this presentation, and we may from time to time make other statements regarding our outlook or expectations for future financial or operating results and/or other matters regarding or affecting Peoples Financial Services Corp., Peoples Security Bank and Trust Company, and its subsidiaries (collectively, "Peoples") and other statements that are not historical fact th ...

Peoples Financial Services Corp. Holding Company for: Q1 2025 Investor Presentation CONFIDENTIAL DISCLAIMER This presentation (this "Presentation") has been prepared solely for general informational purposes by Peoples Financial Services Corp. (the "Company," the "holding company," "we" or "our"), a bank holding company registered under the Bank Holding Company Act of 1956, as amended, and 100% owner of Peoples Security Bank and Trust Company (the "Bank"), a Pennsylvania state-chartered bank. No representat ...

Company Overview - Peoples Financial Services (PFIS) is based in Dunmore and operates in the Finance sector, with a year-to-date share price change of -4.47% [3] - The company currently pays a dividend of $0.62 per share, resulting in a dividend yield of 5.05%, which is significantly higher than the Banks - Northeast industry's yield of 2.82% and the S&P 500's yield of 1.55% [3] Dividend Performance - The current annualized dividend of $2.47 represents a 20.2% increase from the previous year [4] - Over the past five years, PFIS has increased its dividend four times, achieving an average annual increase of 9.97% [4] - The company's current payout ratio is 52%, indicating that it pays out 52% of its trailing 12-month earnings per share as dividends [4] Earnings Growth Expectations - For the fiscal year 2025, the Zacks Consensus Estimate predicts earnings of $5.97 per share, reflecting a year-over-year growth rate of 58.36% [5] Investment Appeal - PFIS is considered an attractive dividend play and a compelling investment opportunity, currently holding a Zacks Rank of 1 (Strong Buy) [7]

Financial Performance - Net income for the three months ended March 31, 2025, was $15.0 million or $1.49 per diluted share, an increase of $11.5 million compared to $3.5 million or $0.49 per share for the same period in 2024[215]. - Net interest income increased to $20.2 million, contributing to a net interest margin of 3.50% for the first quarter of 2025, up from 2.29% in the same period of 2024[215][223]. - Noninterest income rose to $6.3 million, compared to $3.4 million in the year-ago period, reflecting growth from the FNCB merger[215]. - The efficiency ratio improved to 55.8% for the three months ended March 31, 2025, down from 75.7% in the same period of 2024, reflecting better management of operating expenses[220]. - Noninterest expenses rose to $27.4 million for the three months ended March 31, 2025, an increase of $9.3 million from $18.1 million in the same period a year ago, primarily due to merger-related increases in salaries and employee benefits[242]. Asset and Liability Management - Total assets decreased by $92.3 million or 7.4% annualized to $5.0 billion at March 31, 2025[163]. - Total loans decreased by $2.0 million to $4.0 billion at March 31, 2025, with a 0.20% annualized decline since December 31, 2024[175]. - Total deposits decreased by $90.6 million to $4.3 billion at March 31, 2025, with interest-bearing deposits down by $56.5 million[165]. - Total stockholders' equity increased by $12.9 million to $481.9 million at March 31, 2025, due to net income and a reduction in unrealized losses[166]. - Total borrowings decreased by $11.3 million to $144.3 million at March 31, 2025, from $155.6 million at December 31, 2024[190]. Loan and Deposit Trends - Commercial and industrial loans increased by $17.0 million to $853.0 million at March 31, 2025[175]. - Unused commitments totaled $780.8 million at March 31, 2025, a decrease from $800.9 million at December 31, 2024[179]. - Nonperforming assets increased by $0.7 million to $23.7 million, representing 0.47% of total assets as of March 31, 2025, up from 0.45% at December 31, 2024[180]. - Total estimated uninsured deposits were approximately $1.3 billion, or 30.0% of total deposits, as of March 31, 2025, down from 31.3% at December 31, 2024[187]. - Nonaccrual loans increased by $0.5 million to $23.0 million at March 31, 2025, from $22.5 million at December 31, 2024[181]. Interest Rate and Yield Analysis - The FTE yield on the investment portfolio increased by 115 basis points to 2.95% for the three months ended March 31, 2025[171]. - The FTE yield on the entire loan portfolio was 5.92% for the three months ended March 31, 2025, an increase of 88 basis points from the comparable period last year[177]. - The overall yield on earning assets increased by 94 basis points to 5.50% for the three months ended March 31, 2025, from 4.56% in the same period of 2024[224]. - The yield on loans increased by 88 basis points to 5.92% in the first quarter of 2025, from 5.04% in the first quarter of 2024[232]. - The cost of interest-bearing deposits decreased to 2.46% for the first quarter of 2025, compared to 2.90% for the same period in 2024[188]. Credit Losses and Provisions - The allowance for credit losses was $41.1 million, or 1.03% of loans, net, at March 31, 2025, down from $41.8 million, or 1.05%, at December 31, 2024[183]. - The provision for credit losses was $0.2 million for the three months ended March 31, 2025, down from $0.7 million in the prior year, reflecting changes in the loan portfolio and performance[239]. - The allowance for credit losses was $42.08 million as of March 31, 2025, indicating the company believes it is adequate to absorb known and inherent losses[238]. Strategic Initiatives and Future Outlook - The company implemented a strategy to reduce deposit costs, contributing to a higher earning asset yield during the current period[250]. - Management expects cash flow from the investment portfolio and adjustable rate loans to reprice higher than current portfolio rates, aiming to mitigate the impact of lower interest from floating rate loans[253]. - The simulation model indicates that a 100 basis point increase in interest rates would result in a projected decrease of 0.9% in NII for the 12 months ending March 31, 2025[254]. - The company completed its merger with FNCB on July 1, 2024, and is currently integrating FNCB into its internal control over financial reporting processes[258]. - The Asset Liability Management Committee (ALCO) regularly reviews interest rate risk exposure and has established policy limits to manage this risk effectively[246].