Company: PFIS
Filing Date: 2025-04-21
Form Type: S-3
Source: 0001104659-25-036894
Chunk: 39

Company: PEOPLES FINANCIAL SERVICES CORP.
Filing Date: 2025-04-21
Form: S-3
Chunk 39
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 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;

•

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

•

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 prospectus, other than exhibits to those documents, unless the exhibits are specifically incorporated by reference in those documents. Requests should be directed to:

<div align='center'>Investor Relations 
 Peoples Financial Services Corp. 
 102 East Drinker Street, 
 Dunmore, PA 18512 
 Telephone: (570) 346-7741</div>

You should rely only on the information incorporated by reference or provided in this prospectus or any supplement relating to the offered securities. No one else is authorized to provide you with different information. You should not assume that the information in this prospectus or any supplement is accurate as of any date other than the date on the front of those documents because our business, financial condition and results of operations may have changed since that date.

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