PennyMac Financial Services (PFSI) director gifts 5,000 shares, details stake

Rhea-AI Filing Summary

PennyMac Financial Services, Inc. director Mr. Mazzella reported a change in his ownership of company stock. On 12/22/2025 he made a bona fide gift of 5,000 shares of PennyMac common stock at a reported price of $0, meaning no sale proceeds were received.

After this gift, he beneficially owns 81,320 shares directly, consisting of 1,547 restricted stock units and 79,773 common shares, which will be delivered as shares upon vesting for the restricted units. He also reports 165,031 shares held indirectly through the Mazzella Family Irrevocable Trust, maintaining a substantial overall stake in the company.

Insider Trade Summary

5,000 shares gifted

Mixed 2 txns

Insider MAZZELLA JOSEPH F

Role Director

Type	Security	Shares	Price	Value
Gift	Common Stock	5,000	$0.00	--
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 81,320 shares (Direct); Common Stock — 165,031 shares (Indirect, Mazzella Family Irrevocable Trust)

Footnotes (1)

1. Represents a bona fide gift of shares. The reported amount consists of 1,547 restricted stock units and 79,773 shares of Common Stock. The restricted stock units are to be settled in an equal number of shares of Common Stock upon vesting.

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^*

MAZZELLA JOSEPH F

(Last) (First) (Middle)

C/O PENNYMAC FINANCIAL SERVICES, INC.

3043 TOWNSGATE ROAD

(Street)

WESTLAKE VILLAGE CA 91361

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
PennyMac Financial Services, Inc. [ PFSI ]

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)
12/22/2025

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	12/22/2025		G		5,000(1)	D	$0	81,320(2)	D
Common Stock								165,031	I	Mazzella Family Irrevocable Trust

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. Represents a bona fide gift of shares.

2. The reported amount consists of 1,547 restricted stock units and 79,773 shares of Common Stock. The restricted stock units are to be settled in an equal number of shares of Common Stock upon vesting.

	/s/ Derek W. Stark, attorney-in-fact for Mr. Mazzella	12/23/2025
	** 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 insider transaction did PennyMac Financial Services (PFSI) report?

The filing reports that director Mr. Mazzella made a bona fide gift of 5,000 shares of PennyMac Financial Services, Inc. common stock on 12/22/2025 at a reported price of $0.

How many PennyMac (PFSI) shares does the director own after the reported transaction?

Following the gift, Mr. Mazzella beneficially owns 81,320 shares of PennyMac common stock directly and 165,031 shares indirectly through the Mazzella Family Irrevocable Trust.

What portion of the director’s PennyMac (PFSI) holdings are restricted stock units?

Of the 81,320 directly owned securities, 1,547 are restricted stock units and 79,773 are common shares. The restricted stock units will be settled in an equal number of common shares upon vesting.

Was the PennyMac (PFSI) insider transaction a sale or a gift?

The transaction was reported as a bona fide gift of 5,000 shares of PennyMac common stock, not a market sale, with a reported price of $0.

What is the director’s relationship to PennyMac Financial Services (PFSI)?

The reporting person is identified as a director of PennyMac Financial Services, Inc., and the filing is a Form 4 submitted by one reporting person.

How are the indirectly owned PennyMac (PFSI) shares held?

The filing shows 165,031 shares of PennyMac common stock held indirectly through the Mazzella Family Irrevocable Trust, indicating trust-based beneficial ownership.