---
schema_version: "secwatch.filing_event.v1"
accession: "0001558370-22-010858"
form_type: "8-K"
ticker: "PFIS"
cik: "0001056943"
company_name: "PEOPLES FINANCIAL SERVICES CORP."
filed_at: "2022-07-21T23:59:59+00:00"
generated_at: "2026-06-24T09:48:46.417493+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Peoples Financial Q2 net income $9.4M ($1.30/diluted), up 10.2% YoY

## Summary
- Net income $9.4M, diluted EPS $1.30; six-month net income $19.0M, EPS $2.63 (record first-half).
- Non-PPP loan growth of $278.3M (24.8% annualized) in H1 2022; provision for loan losses $1.0M in Q2.
- Dividend paid $0.78/share in H1 2022, up 5.4% YoY.
- Net interest margin (tax-equiv) improved to 3.06% in Q2 from 2.96% in Q2 2021.
- Nonperforming assets improved to 0.18% of loans at June 30, 2022.

## SEC filing metadata
- accession: 0001558370-22-010858
- form_type: 8-K
- ticker: PFIS
- cik: 0001056943
- company_name: PEOPLES FINANCIAL SERVICES CORP.
- filed_at: 2022-07-21T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1056943/000155837022010858/0001558370-22-010858-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1056943/000155837022010858/pfis-20220721x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001558370-22-010858
- JSON: https://secwatch.observer/filing/0001558370-22-010858.json
- Plain text: https://secwatch.observer/filing/0001558370-22-010858.txt

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