PFSMEDIUM SIGNALFINANCIAL10-K

PFS demonstrated solid financial performance with meaningfully higher net interest income and increased dividend payments to shareholders.

The company's net interest income grew substantially, indicating improved profitability from its core banking operations, likely benefiting from the interest rate environment. The 25% increase in dividend payments reflects management's confidence in cash generation and commitment to returning capital to shareholders.

Comparing 2026-02-27 vs 2025-02-28View on EDGAR →
FINANCIAL ANALYSIS

PFS delivered strong financial results with net interest income expanding notably from $1.0B to $1.3B year-over-year. The company increased dividend distributions to $125.9 million compared to $101.0 million in the prior year, demonstrating robust cash flow generation. The overall financial picture signals a healthy, profitable banking operation with improving core earnings and strong capital returns to shareholders.

FINANCIAL STATEMENT CHANGES
Dividends Paid
Cash Flow
+24.7%
$101.0M→$125.9M

Dividend payments increased 24.7% — management confidence in sustained cash generation.

Net Interest Income
P&L
+21.7%
$1.0B→$1.3B

Net interest income grew 21.7% — benefiting from rate environment or loan book expansion.

LANGUAGE CHANGES
NEW — 2026-02-27
PRIOR — 2025-02-28
ADDED
Proxy Statement for the 2026 Annual Meeting of Stockholders of the Registrant (Part III).
Changes in and Disagreements With Accountants on Accounting and Financial Disclosure 145 9A.
Government, tariffs, changes in accounting policies and practices that may be adopted by the regulatory agencies and the accounting standards setters, changes in government regulations affecting financial institutions, including regulatory fees and capital requirements, changes in prevailing interest rates, potential goodwill impairment, acquisitions and the integration of acquired businesses, credit risk management, asset-liability management, the financial and securities markets and the availability of and costs associated with sources of liquidity.
During 2025, the Company paid cash dividends totaling $125.9 million and repurchased 158,293 shares of its common stock at an average cost of $18.07 per share, which totaled $2.9 million, all of which were made in connection with withholding to cover income taxes on the vesting of stock-based compensation.
As of December 31, 2025, approximately 814,000 shares remained eligible for repurchase under the board-approved stock repurchase program.
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REMOVED
Proxy Statement for the 2025 Annual Meeting of Stockholders of the Registrant (Part III).
Changes in and Disagreements With Accountants on Accounting and Financial Disclosure 144 9A.
During 2024, the Company paid cash dividends totaling $101.0 million and repurchased 89,569 shares of its common stock at an average cost of $14.90 per share, which totaled $1.3 million, all of which were made in connection with withholding to cover income taxes on the vesting of stock-based compensation.
As of December 31, 2024, 3.1 million shares remained eligible for repurchase under the board-approved stock repurchase program.
As of December 31, 2024, non-performing assets were $81.5 million or 0.34% of total assets, compared to $61.3 million or 0.43% of total assets as of December 31, 2023.
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