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

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

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TABLE OF CONTENTS

### ABOUT THIS PROSPECTUS
This document is called a prospectus and is part of a registration statement that we have filed with the Securities and Exchange Commission (the “SEC”) using a “shelf” registration process. Under this shelf registration process, we may, from time to time, sell any combination of the securities described in this prospectus in one or more offerings in amounts that we will determine from time to time that do not exceed $150,000,000 in the aggregate.

This prospectus provides you with a general description of the securities we may offer. Each time we sell securities, we will provide a prospectus supplement, information that is incorporated by reference into this prospectus, or other offering material containing specific information about the terms of the securities we are offering. That prospectus supplement, information incorporated by reference, or other offering material may include a discussion of any risk factors or other special considerations that apply to those securities or the specific