[Form 4] Peoples Financial Services Corp. Insider Trading Activity

Rhea-AI Filing Summary

Louis A. DeNaples, a director of Peoples Financial Services Corp. (PFIS), reported a purchase of 1,709 shares of the issuer's common stock on 08/29/2025 at a reported price of $53 per share. After the transaction, Mr. DeNaples is reported to beneficially own a total of 332,626.469 shares directly, which includes 331,682.6710 shares held by him (including DRP purchases in March and June 2025) and 943.7980 shares held jointly with his spouse. The filing also discloses indirect holdings of 356 shares by DeNaples Equipment Company, 6,741.134 shares via a family partnership, and 2,861.82 shares held by his spouse. The form is signed by an attorney-in-fact on 09/03/2025.

Positive

• Director purchase reported: Louis A. DeNaples acquired 1,709 shares at $53, showing insider buying.
• High existing insider ownership: Reporting person beneficially owns 332,626.469 shares, indicating substantial alignment with shareholders.
• DRP participation disclosed: Filing explicitly notes Dividend Reinvestment Plan acquisitions in March and June 2025.

Negative

• None.

Insights

Financial Analyst

TL;DR: Director purchased a small number of shares, modestly increasing his already substantial ownership.

The 1,709-share acquisition at $53 is explicitly reported and increases Mr. DeNaples' direct beneficial stake within a very large overall holding of 332,626.469 shares. Given the scale of his total holdings, this transaction appears modest in size and unlikely to be materially transformative for valuation or control. The filing documents prior Dividend Reinvestment Plan (DRP) activity, indicating ongoing incremental accumulation. No derivative transactions or dispositions were reported.

Corporate Governance Expert

TL;DR: Routine insider purchase by a director with significant existing ownership; governance impact is limited.

The report shows continued insider ownership consolidation through direct and indirect holdings and DRP participation. The disclosure is complete in identifying direct, joint, and indirect ownership and includes the attorney-in-fact signature. From a governance perspective, the filing signals alignment with shareholders but does not reflect a change in control or a material governance event.

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^*

DENAPLES LOUIS A

(Last) (First) (Middle)

C/O PEOPLES SECURITY BANK & TRUST CO.

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)
08/29/2025

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	08/29/2025		A		1,709	A	$53	332,626.469(1)	D
Common Stock								356	I	By DeNaples Equipment Company(3)
Common Stock								6,741.134(2)	I	Family Partnership(3)
Common Stock								2,861.82	I	By Spouse

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:

1. This amount includes 331,682.6710 shares held by Mr. DeNaples which includes 131.2220 shares acquired in March 2025 and 4,164.5440 shares acquired in June 2025 pursuant to the Issuer's Dividend Reinvestment Stock Purchase Plan (DRP); and 943.7980 shares held jointly with his spouse, which includes 11.7980 shares acquired in June 2025 pursuant to the Issuer's Dividend Reinvestment Stock Purchase Plan (DRP).

2. This amount includes 87.263 shares acquired in March 2025 and 84.266 shares acquired in June 2025 pursuant to the DRP.

3. To the extent permitted under applicable law, the Reporting Person disclaims beneficial ownership of the shares held by such entity.

	/s/ James M. Bone, Jr. as Attorney-in-Fact for Louis A. DeNaples	09/03/2025
	** 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.
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FAQ

What transaction did Louis A. DeNaples report for PFIS?

The filing reports an acquisition of 1,709 shares of PFIS common stock on 08/29/2025 at a price of $53 per share.

How many PFIS shares does Louis A. DeNaples beneficially own after the transaction?

He beneficially owns a total of 332,626.469 shares following the reported transaction.

Does the Form 4 disclose indirect holdings for the reporting person?

Yes. The filing discloses 356 shares via DeNaples Equipment Company, 6,741.134 shares via a family partnership, and 2,861.82 shares held by his spouse.

Were Dividend Reinvestment Plan (DRP) purchases noted in the filing?

Yes. The explanation states DRP acquisitions in March 2025 and June 2025 contributed to the reported share totals.

When was the Form 4 signed and by whom?

The form is signed by James M. Bone, Jr. as attorney-in-fact for Louis A. DeNaples on 09/03/2025.