Welcome to our dedicated page for Peoples Finl Svcs SEC filings (Ticker: PFIS), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
Peoples Financial Services Corp. filings document the public-company records of a Pennsylvania bank holding company and its Peoples Security Bank and Trust Company subsidiary. Recent 8-K reports furnish unaudited results of operations and financial condition, Regulation FD presentation materials, and leadership changes affecting executive roles at the holding company and bank.
Proxy materials cover annual meeting governance, director matters, executive compensation, equity awards and shareholder voting disclosures. The filing record also identifies core bank-regulatory investor topics such as capital structure, board oversight, officer matters, and exhibits tied to earnings releases and material events.
Peoples Financial Services Corp. reports on a transformational year marked by the completed merger with FNCB Bancorp, which added $1.8 billion in assets, $1.2 billion in loans and $1.4 billion in deposits, for total consideration of about $133.7 million and $12.6 million of goodwill.
At December 31, 2025, commercial real estate loans totaled $2.31 billion, or 56.9% of the loan portfolio, within a diversified mix by property type. Total loans held for investment were $4.07 billion, supported by an allowance for credit losses of $39.0 million, equal to 0.96% of loans.
Asset quality improved: nonperforming assets fell to $12.1 million from $23.0 million, and the ACL coverage of nonperforming loans rose to 344.6%. The bank remained strongly capitalized, with a common equity Tier 1 ratio of 13.06% and total risk-based capital ratio of 14.01%, and maintained $2.27 billion in available liquidity across FHLB, Federal Reserve capacity, brokered deposits and unencumbered securities.
Peoples Financial Services Corp. EVP/Chief Information Officer Susan L. Hubble exercised restricted stock units and had shares withheld for taxes. On March 11, 2026, 279 restricted stock units converted into 279 shares of common stock, including 279 shares credited to an IRA at an exercise price of $0.0000 per share.
A separate Form 4 entry shows 164 common shares, held indirectly through an IRA, were disposed of at $51.8000 per share under code F, meaning they were delivered to satisfy tax or exercise obligations rather than sold on the open market. Following these transactions, Hubble holds 2,010 common shares directly and 2,625 common shares indirectly through an IRA, along with 540 restricted stock units.
Footnotes explain that the RSUs convert one-for-one into common stock and relate to a grant of 819 RSUs made on March 28, 2025, vesting in three annual installments. Of that grant, 279 RSUs vested on March 11, 2026, with 271 scheduled to vest on March 11, 2027 and 269 on March 11, 2028.
PEOPLES FINANCIAL SERVICES CORP. Executive Vice President and Chief Financial Officer James M. Bone Jr. exercised 317 restricted stock units on common stock, converting them into 317 shares of common stock at a stated price of $0.0000 per share. Following this derivative exercise, he directly owns 10,797.9104 shares of common stock and 615 restricted stock units, which are scheduled to vest in installments of 308 units on March 11, 2027 and 307 units on March 11, 2028. In addition, 159.3854 common shares are held indirectly through his spouse.
PEOPLES FINANCIAL SERVICES CORP. Chief Executive Officer Gerard A. Champi exercised restricted stock units that vested into 689 shares of common stock on March 11, 2026. These RSUs convert into common stock on a one-for-one basis and represent the first vesting installment from a prior grant.
After this transaction, Champi directly holds 20,436 shares of common stock, which include time-based restricted shares and jointly held shares with his spouse, and 1,335 restricted stock units outstanding. This filing reflects routine equity compensation vesting rather than an open-market purchase or sale.
PEOPLES FINANCIAL SERVICES CORP. executive vice president and chief risk officer Timothy Kirtley exercised 281 restricted stock units into common stock on March 11, 2026. These RSUs convert into common stock on a one-for-one basis.
To cover tax obligations, 168 common shares were withheld at a price of $51.80 per share, a non-market tax-withholding disposition rather than an open-market sale. After these transactions, he held 6,600 common shares directly and 240 shares indirectly through the PSBT 401(k) Profit Sharing Plan, along with 3,332 RSUs representing contingent rights to receive common stock.
Footnotes explain that 826 RSUs were granted on March 28, 2025, vesting in three annual installments starting March 11, 2025, with 281 RSUs vesting on March 11, 2026 and additional tranches scheduled to vest on March 11, 2027 and March 11, 2028. Another RSU award vests in five equal annual installments beginning August 29, 2026.
PEOPLES FINANCIAL SERVICES CORP. executive Jeffrey A. Drobins exercised restricted stock units that vested into common shares and had shares withheld for taxes. On March 11, 2026, 274 restricted stock units converted into 274 shares of common stock at an exercise price of $0.00 per share.
A total of 236 common shares were disposed of at $51.80 per share to cover tax obligations, leaving 5,236.582 common shares owned directly. Footnotes state these holdings include 155 shares of time-based restricted stock and 5,081.582 other directly owned shares. Drobins also continues to hold 11,763 restricted stock units, each representing a contingent right to receive one share of common stock, with portions vesting annually through 2028 and further RSUs vesting in seven equal annual installments beginning August 29, 2026.
PEOPLES FINANCIAL SERVICES CORP. EVP and Chief Accounting Officer Stephanie A. Westington exercised restricted stock units into common stock as part of her equity compensation. On March 11, 2026, 90 restricted stock units converted into 90 shares of common stock at a stated price of $0.00 per share. Of these shares, 30 were withheld at $51.80 per share to cover tax obligations, leaving a net 60 new common shares. Following these transactions, she directly holds 3,352 shares of common stock. The filing notes a prior grant of 263 RSUs on March 28, 2025, with 90 RSUs vesting on March 11, 2026, and 87 and 86 RSUs scheduled to vest on March 11, 2027 and March 11, 2028, respectively.
PEOPLES FINANCIAL SERVICES CORP. executive Amy Vieney exercised restricted stock units and had shares withheld for taxes. On March 11, 2026, 95 RSUs converted into 95 shares of common stock, increasing her directly owned common shares to 824.058 before tax withholding.
On the same date, 66 common shares were withheld at $51.80 per share to cover tax obligations related to the vesting, leaving her with 758.058 common shares held directly. Footnotes state the original 277 RSU grant from March 28, 2025 vests in three annual installments, with 95 RSUs vesting on March 11, 2026, and 92 and 90 RSUs scheduled to vest on March 11, 2027 and March 11, 2028, respectively.
PEOPLES FINANCIAL SERVICES CORP. President Thomas P. Tulaney reported routine equity compensation activity. On March 11, 2026, 366 restricted stock units converted into the same number of common shares at a price of $0.00 per share, reflecting RSU vesting.
To cover tax obligations, 264 common shares were withheld and disposed of at $51.80 per share, a non-market tax-withholding transaction. Following these changes, Tulaney directly held 22,288 common shares, and an IRA associated with him held 19,519.4883 common shares indirectly.
Footnotes state that the RSUs convert into common stock on a one-for-one basis and clarify that 366 RSUs vested on March 11, 2026, with additional RSUs scheduled to vest in 2027 and 2028.
PEOPLES FINANCIAL SERVICES CORP. senior executive Neal D. Koplin exercised 323 restricted stock units, converting them into an equal number of common shares. These RSUs convert to common stock on a one-for-one basis.
To cover tax obligations, 233 common shares were withheld at a price of $51.80 per share, resulting in a net increase of 90 shares. After these transactions, Koplin directly holds 10,711.211 common shares, including 183 shares of time-based restricted stock, plus additional indirect holdings through an IRA and a 401(k) plan. He also has 627 RSUs remaining to vest in 2027 and 2028.