{"schema_version":"secwatch.filing_event.v1","accession":"0001104659-26-052951","form_type":"8-K","ticker":"PFIS","cik":"0001056943","company_name":"PEOPLES FINANCIAL SERVICES CORP.","filed_at":"2026-04-30T23:59:59+00:00","discovered_at":"2026-05-14T18:02:31.883339+00:00","generated_at":"2026-05-15T00:31:34.228357+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"Peoples Financial Services Q1 net income $14.7M ($1.47 EPS), down from $15.0M ($1.49 EPS) YoY","bullets":["Net income $14.7M ($1.47 diluted) vs $15.0M ($1.49) in Q1 2025; ROAA 1.15% vs 1.22%, ROAE 11.26% vs 12.70%.","Provision for credit losses increased due to strong loan growth; net interest and non-interest income rose.","CEO cites disciplined expense management, credit oversight, and investment in capabilities for sustainable growth.","Non-GAAP metrics: adjusted EPS not provided; operating environment described as challenging but stable."],"urls":{"canonical":"https://secwatch.observer/filing/0001104659-26-052951","json":"https://secwatch.observer/filing/0001104659-26-052951.json","markdown":"https://secwatch.observer/filing/0001104659-26-052951.md","text":"https://secwatch.observer/filing/0001104659-26-052951.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1056943/000110465926052951/0001104659-26-052951-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1056943/000110465926052951/pfis-20260430x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-15T00:31:34.228357+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"c173d35b8e62debd4b54728521817d499a36ef4f","claim":"PEOPLES FINANCIAL SERVICES CORP. reported the three months ended March 31, 2026 results: net income $14.7 million, EPS $1.47 per diluted share.","evidence_excerpt":"Peoples Security Bank and Trust Company (the “Bank”), today reported unaudited financial results at and for the three months ended March 31, 2026. Peoples reported net income of $14.7 million, or $1.47 per diluted share for the three months ended March 31, 2026, compared to net income of $15.0 million, or $1.49 per diluted share for the three months ended March 31,","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1056943/000110465926052951/0001104659-26-052951-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the three months ended March 31, 2026"},{"label":"Net income","value":"$14.7 million"},{"label":"EPS","value":"$1.47 per diluted share"},{"label":"Result","value":"reported results"}]}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}