Company: PFIS
Filing Date: 2025-08-01
Form Type: 424B3
Source: 0001104659-25-073147
Chunk: 3

Company: PEOPLES FINANCIAL SERVICES CORP.
Filing Date: 2025-08-01
Form: 424B3
Chunk 3
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| ​ | No Sinking Fund; Non-Convertible                                               | ​ | ​ | ​ | ​ | 41 | ​ | ​ |
| ​ | Form, Denomination, Transfer, Exchange and Book-Entry Procedures               | ​ | ​ | ​ | ​ | 42 | ​ | ​ |
| ​ | Indenture Covenants                                                            | ​ | ​ | ​ | ​ | 43 | ​ | ​ |
| ​ | Events of Default; Right of Acceleration; Failure to Pay Principal or Interest | ​ | ​ | ​ | ​ | 44 | ​ | ​ |
| ​ | Amendment, Supplement and Waiver                                               | ​ | ​ | ​ | ​ | 45 | ​ | ​ |
| ​ | Satisfaction and Discharge of the Indenture; Defeasance                        | ​ | ​ | ​ | ​ | 46 | ​ | ​ |
| ​ | Regarding the Trustee                                                          | ​ | ​ | ​ | ​ | 47 | ​ | ​ |

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TABLE OF CONTENTS

| ​ | No Personal Liability of Shareholders, Employees, Officers, Directors or Exchange Agent | ​ | ​ | ​ | ​ | 48 | ​ | ​ |
| ​ | Governing Law                                                                           | ​ | ​ | ​ | ​ | 48 | ​ | ​ |
| ​ | Material U.S. Federal Income Tax Consequences                                           | ​ | ​ | ​ | ​ | 49 | ​ | ​ |
| ​ | Plan of Distribution                                                                    | ​ | ​ | ​ | ​ | 50 | ​ | ​ |
| ​ | Legal Matters                                                                           | ​ | ​ | ​ | ​ | 51 | ​ | ​ |
| ​ | Experts                                                                                 | ​ | ​ | ​ | ​ | 52 | ​ | ​ |

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TABLE OF CONTENTS

### ABOUT THIS PROSPECTUS
This prospectus is part of a Registration Statement on Form S-4, which we refer to as the “registration statement,” that we have filed with the Securities and Exchange Commission (the “SEC”) under the Securities Act of 1933, as amended (the “Securities Act”). This prospectus does not contain all the information set forth in the registration statement, certain parts of which are omitted in accordance with the rules and regulations of the SEC. For further information with respect to us, the exchange offer and the securities offered by this prospectus, reference is made to the registration statement, including the exhibits to the registration statement and the documents incorporated