Company: PFIS
Filing Date: 2025-07-18
Form Type: S-4
Source: 0001104659-25-069074
Chunk: 4

Company: PEOPLES FINANCIAL SERVICES CORP.
Filing Date: 2025-07-18
Form: S-4
Chunk 4
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 the Securities and Exchange Commission and incorporated by reference into this prospectus.

Neither the Securities and Exchange Commission nor any state securities commission has approved or disapproved of these securities or determined if this prospectus is truthful or complete. Any representation to the contrary is a criminal offense.

The securities are not savings accounts, deposits or obligations of any bank and are not insured by the Federal Deposit Insurance Corporation or any other governmental agency.

#### The date of this prospectus is
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#### , 2025
TABLE OF CONTENTS

TABLE OF CONTENTS

| ​ |                                                                                | ​ | ​ | ​ | ​ |  i | ​ | ​ |
| ​ | About This Prospectus                                                          | ​ | ​ | ​ | ​ |  1 | ​ | ​ |
| ​ | Where You Can Find More Information                                            | ​ | ​ | ​ | ​ |  2 | ​ | ​ |
| ​ | Incorporation of Certain Documents By Reference                                | ​ | ​ | ​ | ​ |  3 | ​ | ​ |
| ​ | Cautionary Statement Regarding Forward-Looking Statements                      | ​ | ​ | ​ | ​ |  4 | ​ | ​ |
| ​ | Summary                                                                        | ​ | ​ | ​ | ​ |  5 | ​ | ​ |
| ​ | Summary of the Exchange Offer                                                  | ​ | ​ | ​ | ​ |  7 | ​ | ​ |
| ​ | Summary of the New Notes                                                       | ​ | ​ | ​ | ​ | 11 | ​ | ​ |
| ​ | Risk Factors                                                                   | ​ | ​ | ​ | ​ | 15 | ​ | ​ |
| ​ | Risks Related to our Business                                                  | ​ | ​ | ​ | ​ | 15 | ​ | ​ |
| ​ | Risks Related to the Exchange Offer                                            | ​ | ​ | ​ | ​ | 15 | ​ | ​ |
| ​ | Risks Related to the Notes                                                     | ​ | ​ | ​ | ​ | 16 | ​ | ​ |
| ​ | Use of Proceeds                                                                | ​ | ​ | ​ | ​ | 22 | ​ | ​ |
| ​ | The Exchange Offer                                                             | ​ | ​ | ​ | ​ | 23 | ​ | ​ |
| ​ | General                                                                        | ​ | ​ | ​ | ​ | 23 | ​ | ​ |
| ​ | Registration Rights Agreements                                                 | ​ | ​ | ​ | ​ | 24 | ​