Company: PFIS
Filing Date: 2025-05-05
Form Type: S-3/A
Source: 0001104659-25-044501
Chunk: 2

Company: PEOPLES FINANCIAL SERVICES CORP.
Filing Date: 2025-05-05
Form: S-3/A
Chunk 2
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 Other than the addition of the hyperlink to the Definitive Proxy Statement under the heading “INCORPORATION OF INFORMATION THAT WE FILE WITH THE SEC,” this Pre-Effective Amendment No. 1 does not amend any other sections of, or information included in, the prospectus or the registration statement.

TABLE OF CONTENTS

**The information in this prospectus is not complete and may be changed. We may not sell these securities until the registration statement filed with the Securities and Exchange Commission is effective. This prospectus is not an offer to sell these securities and is not soliciting an offer to buy these securities in any state where the offer or sale is not permitted.**

#### SUBJECT TO COMPLETION, DATED MAY 5, 2025

### PROSPECTUS
<div align='center'>**$150,000,000**</div>

#### Common Stock

#### Preferred Stock

#### Debt Securities

#### Warrants

#### Purchase Contracts

#### Rights

#### Units
**We may offer and sell from time to time in one or more offerings any combination of the securities listed above. We may offer and sell these securities in amounts, at prices and on terms determined at the time of the offering. The aggregate offering price of all securities we sell under this prospectus will not exceed $150,000,000. Offers and sales of these securities may be to or through one or more underwriters, dealers and agents, or directly to purchasers, on a continuous or delayed basis. We will provide the specific terms for securities to be offered in one or more supplements to this prospectus. The prospectus supplements may also add, update or change information contained in this prospectus. You should read this prospectus and any prospectus supplement carefully before you invest. This prospectus may not be used to sell securities unless accompanied by a prospectus supplement.

Investing in our securities involves risks. You should carefully read and consider the risk factors included in our periodic reports and that will be included in a supplement to this prospectus. See “Risk Factors” beginning on page 3of this prospectus.

Our common stock is listed on the Nasdaq Stock Market LLC under the symbol “PFIS”

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.

These securities will not be savings accounts, deposits or other obligations of any bank and are not insured or guaranteed by the Federal Deposit Insurance Corporation