Company: PFIS
Filing Date: 2025-05-05
Form Type: S-3/A
Source: 0001104659-25-044501
Chunk: 39

Company: PEOPLES FINANCIAL SERVICES CORP.
Filing Date: 2025-05-05
Form: S-3/A
Chunk 39
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 information set forth in the registration statement. You may review the registration statement, and the exhibits filed with the registration statement for further information regarding us and the securities we may offer. The registration statement and its exhibits are available on the SEC’s Internet site at the address set forth above.

We also maintain an Internet site at www.psbt.com, which contains information relating to us and our business. Information contained on our Internet site is not incorporated by reference into this prospectus, any prospectus supplement or the registration statement unless otherwise stated in this prospectus or any prospectus supplement.

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TABLE OF CONTENTS

### INCORPORATION OF INFORMATION THAT WE FILE WITH THE SEC
This prospectus incorporates by reference important business and financial information that we file with the SEC and that we are not including in or delivering with this prospectus. As the SEC allows, incorporated documents are considered part of this prospectus, and we can disclose important information to you by referring you to those documents.

We incorporate by reference the documents listed below (other than, in each case, documents or information deemed to have been furnished and not filed in accordance with the SEC’s rules):

•

our annual report on Form 10-K for the year ended December 31, 2024;

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the portions of our definitive proxy statement for the annual meeting of shareholders to be held on May 9, 2025that have been incorporated by reference into our Form 10-K for the year ended December 31, 2024;

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our current reports on Form 8-K filed on February 4, 2025and April 2, 2025; and

•

the description of our common stock contained in the “Description of Common Stock” (incorporated by reference to exhibit 4.2to our Form 10-K filed with the SEC on March 15, 2023).

We also incorporate by reference all documents to the extent they have been filed with the SEC under Sections 13(a), 13(c), 14 or 15(d) of the Exchange Act (1) after the date of this prospectus and (2) until an offering has been completed. Information in this prospectus supersedes related information in the documents listed above, and information in subsequently filed documents supersedes related information in both this prospectus and the incorporated documents.

We will promptly provide, without charge to you, upon written or oral request, a copy of any or all of the documents incorporated by reference in this prospect