---
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"
generated_at: "2026-05-15T00:31:34.228357+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# Peoples Financial Services Q1 net income $14.7M ($1.47 EPS), down from $15.0M ($1.49 EPS) YoY

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-26-052951
- JSON: https://secwatch.observer/filing/0001104659-26-052951.json
- Plain text: https://secwatch.observer/filing/0001104659-26-052951.txt

## Key facts
- Earnings Releases
  PEOPLES FINANCIAL SERVICES CORP. reported the three months ended March 31, 2026 results: net income $14.7 million, EPS $1.47 per diluted share.
  - Period: the three months ended March 31, 2026
  - Net income: $14.7 million
  - EPS: $1.47 per diluted share
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/1056943/000110465926052951/0001104659-26-052951-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.