Peoples Financial (PFIS) Director Buys 100 Shares—Form 4 Disclosure

Rhea-AI Filing Summary

Richard S. Lochen Jr., a director of Peoples Financial Services Corp. (PFIS), reported a purchase of company common stock on 08/15/2025. The Form 4 shows a non-derivative acquisition of 100 shares at a reported price of $50.10 per share. After the transaction, the filing reports 18,419.023 shares held directly and additional indirect holdings of 4,246.031 shares (IRA) plus 165.93 shares held as custodian under UTMA/PA twice listed. The filing was signed by an attorney-in-fact on 08/19/2025. The disclosure documents an insider purchase and the resulting beneficial ownership levels without additional commentary or plans disclosed in this filing.

Insights

Financial Analyst

TL;DR: Insider bought 100 PFIS shares at $50.10; transaction size is small relative to reported holdings, so market impact is likely negligible.

The Form 4 documents a straightforward open-market acquisition by a company director. The purchase increases the director's direct stake to 18,419.023 shares while the filing separately reports indirect IRA and custodial holdings. The absolute transaction value (~$5,010) is small relative to typical institutional or market-moving trades, so this is informational rather than material. No options, sales, or changes to derivative positions are disclosed.

Corporate Governance Expert

TL;DR: Director-level purchase disclosed properly; filing meets Section 16 reporting requirements with no red flags.

The Form 4 identifies the reporting person as a director and records the acquisition code 'P' (purchase). Reporting was completed by attorney-in-fact and signed on 08/19/2025. The filing lists direct and multiple indirect holdings, including an IRA and UTMA custodial positions. There are no indications of unusual reporting delays beyond the signature date, nor are there listed dispositions or related-party transactions. The disclosure is routine and compliant in form.

Insider Trade Summary

Net Buyer: 100 shares ($5,010)

Net Buy 4 txns

Insider LOCHEN RICHARD S JR

Role Director

Bought 100 shs ($5K)

Type	Security	Shares	Price	Value
Purchase	Common Stock	100	$50.10	$5K
holding	Common Stock	--	--	--
holding	Common Stock	--	--	--
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 18,419.023 shares (Direct); Common Stock — 4,246.031 shares (Indirect, IRA)

Footnotes (1)

Form 4 Insider Transactions: What Each Field Means →

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

LOCHEN RICHARD S JR

(Last) (First) (Middle)

102 E. DRINKER ST

(Street)

DUNMORE PA 18512

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
PEOPLES FINANCIAL SERVICES CORP. [ PFIS ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director		10% Owner
	Officer (give title below)		Other (specify below)

3. Date of Earliest Transaction (Month/Day/Year)
08/15/2025

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	08/15/2025		P		100	A	$50.1	18,419.023	D
Common Stock								4,246.031	I	IRA
Common Stock								165.93	I	As Custodian for child under the UTMA/PA
Common Stock								165.93	I	As Custodian for child under the UTMA/PA

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

	/s/ James M. Bone, Jr. as Attorney-in-Fact for Richard S. Lochen Jr.	08/19/2025
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

What did Richard S. Lochen Jr. report on the PFIS Form 4?

The filing reports a purchase of 100 shares of Peoples Financial Services Corp. common stock on 08/15/2025 at a price of $50.10 per share.

What is Richard S. Lochen Jr.'s relationship to PFIS?

The Form 4 identifies Richard S. Lochen Jr. as a director of Peoples Financial Services Corp.

How many PFIS shares does the director beneficially own after the transaction?

The filing reports 18,419.023 shares held directly after the reported purchase, plus 4,246.031 shares (IRA) and 165.93 shares held as custodian under UTMA/PA.

Was the transaction for derivative securities or stock options?

No. Table II for derivative securities contains no entries; the reported transaction is a non-derivative common stock purchase.

When was the Form 4 signed and filed?

The signature block shows the form was signed by an attorney-in-fact on 08/19/2025.