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

Company: PEOPLES FINANCIAL SERVICES CORP.
Filing Date: 2025-05-05
Form: S-3/A
Chunk 3
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, the Deposit Insurance Fund or any other governmental agency or instrumentality.**

<div align='center'>The date of this prospectus is , 2025</div>

TABLE OF CONTENTS

TABLE OF CONTENTS

| ​ | About this Prospectus                                  | ​ | ​ | ​ | ​ | ii | ​ | ​ |
| ​ | Summary                                                | ​ | ​ | ​ | ​ |  1 | ​ | ​ |
| ​ | Risk Factors                                           | ​ | ​ | ​ | ​ |  3 | ​ | ​ |
| ​ | Forward-Looking and Cautionary Statements              | ​ | ​ | ​ | ​ |  4 | ​ | ​ |
| ​ | The Company                                            | ​ | ​ | ​ | ​ |  5 | ​ | ​ |
| ​ | Use of Proceeds                                        | ​ | ​ | ​ | ​ |  7 | ​ | ​ |
| ​ | Description of Securities                              | ​ | ​ | ​ | ​ |  8 | ​ | ​ |
| ​ | Description of Capital Stock                           | ​ | ​ | ​ | ​ |  8 | ​ | ​ |
| ​ | Description of Debt Securities                         | ​ | ​ | ​ | ​ | 13 | ​ | ​ |
| ​ | Description Of Warrants                                | ​ | ​ | ​ | ​ | 17 | ​ | ​ |
| ​ | Description of Purchase Contracts                      | ​ | ​ | ​ | ​ | 19 | ​ | ​ |
| ​ | Description of Rights                                  | ​ | ​ | ​ | ​ | 20 | ​ | ​ |
| ​ | Description of Units                                   | ​ | ​ | ​ | ​ | 22 | ​ | ​ |
| ​ | Plan of Distribution                                   | ​ | ​ | ​ | ​ | 22 | ​ | ​ |
| ​ | Experts                                                | ​ | ​ | ​ | ​ | 25 | ​ | ​ |
| ​ | Legal Matters                                          | ​ | ​ | ​ | ​ | 25 | ​ | ​ |
| ​ | Where You Can Find More Information                    | ​ | ​ | ​ | ​ | 25 | ​ | ​ |
| ​ | Incorporation of Information that we File with the SEC | ​ | ​ | ​ | ​ | 26 | ​ | ​ |

i

TABLE OF CONTENTS

### ABOUT THIS PROSPECTUS
This document is called a prospectus and is part of a registration statement that we have filed with