Company: PFIS
Filing Date: 2025-03-18
Form Type: NT 10-K
Source: 0001104659-25-024783
Chunk: 2

Company: PEOPLES FINANCIAL SERVICES CORP.
Filing Date: 2025-03-18
Form: NT 10-K
Chunk 2
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2) | Have all other periodic reports required under Section 13 or 15(d) of the Securities Exchange Act of 1934 or Section 30 of the Investment Company Act of 1940 during the preceding 12 months or for such shorter period that the registrant was required to file such report(s) been filed? If answer is no, identify report(s). |     |            |     |                   |
|     |                                                                                                                                                                                                                                                                                                                                  |     |            |     | x Yes    ¨ No     |
| (3) | Is it anticipated that any significant change in results of operations from the corresponding period for the last fiscal year will be reflected by the earnings statements to be included in the subject report or portion thereof?                                                                                              |     |            |     |                   |
|     |                                                                                                                                                                                                                                                                                                                                  |     |            |     | x Yes    ¨  No    |
|     | If so, attach an explanation of the anticipated change, both narratively and quantitatively, and, if appropriate, state the reasons why                                                                                                                                                                                          
 a reasonable estimate of the results cannot be made.                                                                                                                                                                                                                                                                             
 The Form 10-K is the first annual report filed by the Registrant that will reflect                                                                                                                                                                                                                                               
 the effects of the FNCB merger on the Registrant’s consolidated financial statements and, as a result, the Registrant anticipates                                                                                                                                                                                                
 a significant change in the results of operations from the prior fiscal year. The Registrant will report $8.5 million of net income for                                                                                                                                                                                          
 fiscal year 2024, compared to $27.4 million of net income for fiscal year 2023.                                                                                                                                                                                                                                                  |     |            |     |                   |

<div align='center'>Peoples Financial Services Corp.

(Name of Registrant as Specified in Charter)</div>

has caused this notification to be signed on its
behalf by the undersigned hereunto duly authorized.

| Date | March 18, 2025 |     | By     | /s/ John R. Anderson, III                                      |
|:-----|:---------------|:----|:-------|:---------------------------------------------------------------|
|      |                |     | Name:  | John R. Anderson, III                                          |
|      |                |     | Title: | Executive Vice President and Chief Financial Officer           
 (Principal Financial Officer and Principal Accounting Officer) |

INSTRUCTION: The form may be signed by an executive officer of the
registrant or by any other duly authorized representative. The name and title of the