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PFIS on Nasdaq

PEOPLES FINANCIAL SERVICES CORP.

American national commercial bank that raised $85 million in 2025 (SEC Form D)2

In its 2026 annual report the company says: “The Bank is a state-chartered bank and trust company under the jurisdiction of the Pennsylvania Department of Banking and Securities and the Federal Deposit Insurance Corporation.”4 It is headquartered in Dunmore, United States.2 Its shares trade on Nasdaq under the symbol PFIS.2

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Last updated Oct 21, 2026.

Overview

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  • TickerPFIS on Nasdaq2
  • IndustryNational Commercial Banks2
  • HeadquartersDunmore, United States2
  • Incorporated inPA3
  • Business address30 E D Preate Drive, Moosic, Pa 185073
  • Filer categoryAccelerated filer3
  • Legal formCorporation2
  • LEI254900HXI30XMTDCGJ182
  • StatusActive2
  • LEI statusIssued and current2
  • Registered addressC/O MARY GRIFFIN CUMMINGS, 18507 Moosic, United States2
  • Registered withPennsylvania Department of State, 8994842

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Peoples Financial Services Corp., a bank holding company incorporated under the laws of Pennsylvania, provides a full range of financial services through its wholly-owned direct and indirect subsidiaries, including Peoples Security Bank and Trust Company and 1 st Equipment Finance, Inc (1 st Equipment Finance”).4 From its latest annual report

Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

What sells

Revenue by product, business segment and region, as the company reports it to the SEC.

Products and services

Bank Servicing brought in 68% of the revenue PEOPLES FINANCIAL SERVICES CORP. broke down this way in fiscal 2025.

  1. Bank Servicing$13.6M568%up 26% from 2024
  2. Asset Management$3.0M515%up 40% from 2024
  3. Commission And Fees On Fiduciary Activities$2.3M511%down 0% from 2024
  4. Credit Card$1.3M56%up 45% from 2024
Products and services by year
Products and services202320242025
Bank Servicing$7.7M$10.8M$13.6M
Asset Management$1.6M$2.1M$3.0M
Commission And Fees On Fiduciary Activities$2.2M$2.3M$2.3M
Credit Card$693.0K$896.0K$1.3M

Financial statements

Net income67895$59.2M in 2025+130% since 2019
0$20.0M$40.0M$60.0M2019: $25.7M$25.7M20192020: $29.4M$29.4M2020+14%2021: $43.5M$43.5M2021+48%2022: $38.1M$38.1M2022−12%2023: $27.4M$27.4M2023−28%2024: $8.5M$8.5M2024−69%2025: $59.2M$59.2M2025+596%

Every line of the income statement as filed: the last 3 fiscal years, latest first.5

Period ending2025-12-312024-12-312023-12-31
Taxable$228.9M$184.9M$129.0M
Tax-exempt$8.4M$7.4M$5.6M
Taxable$17.4M$12.9M$7.9M
Tax-exempt$2.0M$1.6M$1.6M
Dividends$160.0K$89.0K$4.0K
Interest on interest-bearing deposits in other banks$405.0K$498.0K$335.0K
Interest on federal funds sold$2.4M$4.1M$5.4M
Total interest income$259.7M$211.5M$149.9M
Interest on deposits$81.2M$87.9M$58.6M
Interest on short-term borrowings$1.3M$2.0M$1.9M
Interest on long-term debt$5.6M$3.3M$842.0K
Interest on subordinated debt$5.0M$1.8M$1.8M
Interest on junior subordinated debt$745.0K$415.0K
Total interest expense$93.7M$95.5M$63.1M
Net interest income$166.0M$116.0M$86.8M
Provision for credit losses$98.0K$19.1M$566.0K
Net interest income after provision for credit losses$165.9M$96.9M$86.2M
Mortgage banking income$549.0K$389.0K$390.0K
Increase in cash surrender value of life insurance$2.1M$1.6M$1.1M
Interest rate swap gain$1.1M$285.0K$390.0K
Net gains (losses) on equity investment securities$168.0K$132.0K-$11.0K
Net (losses) gains on sale of investment securities available for sale-$2.2M$1.0K$81.0K
Net losses on sale of fixed assets-$74.0K-$165.0K-$3.0K
Total noninterest income$21.7M$18.3M$14.1M
Salaries and employee benefits expense$56.3M$45.7M$35.3M
Net occupancy and equipment expense$27.4M$22.3M$17.1M
Acquisition related expenses$236.0K$16.2M$1.8M
Amortization of intangible assets$6.4M$3.4M$105.0K
Professional fees and outside services$5.0M$3.3M$2.8M
FDIC insurance and assessments$3.3M$3.2M$2.1M
Donations$2.4M$1.8M$1.6M
Other expenses$14.3M$10.9M$6.9M
Total noninterest expense$115.4M$106.7M$67.8M
Income before income taxes$72.2M$8.5M$32.5M
Income tax expense (benefit)$13.0M-$30.0K$5.1M
Net income$59.2M$8.5M$27.4M
Unrealized gain on investment securities available for sale$17.6M$2.6M$14.8M
Reclassification adjustment for losses (gains) on available for sale securities included in net income$2.2M-$1.0K-$81.0K
Change in benefit plan liabilities$674.0K$1.5M$1.1M
Change in derivative fair value-$64.0K$632.0K-$824.0K
Other comprehensive income$20.4M$4.7M$15.0M
Income tax expense related to other comprehensive income$4.4M$1.1M$3.0M
Other comprehensive income, net of income tax expense$16.0M$3.7M$12.0M
Comprehensive income$75.2M$12.2M$39.4M
Basic$5.92$1.00$3.85
Diluted$5.88$0.99$3.83
Basic10.0M shares8.5M shares7.1M shares
Diluted10.1M shares8.6M shares7.2M shares
Dividends declared$2.47$2.06$1.64

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Corporate structure

PEOPLES FINANCIAL SERVICES CORP. sits at the top of its group. 2 entities, 1 country on record. Switch between the flow chart and the network, and select any entity to see its details.

Major holders of PEOPLES FINANCIAL SERVICES CORP.

  • VANGUARD GROUP INC Filed SCHEDULE 13G/A on PEOPLES FINANCIAL SERVICES CORP., latest Mar 27, 2026 (2 filings since Jan 30, 2026)
  • BlackRock Filed SC 13G/A on PEOPLES FINANCIAL SERVICES CORP., latest Jan 26, 2024 (3 filings since Feb 1, 2022)
  • PEOPLES FINANCIAL SERVICES CORP. Dunmore, Pennsylvania, United States
    • Peoples Security Bank and Trust Company Subsidiary · Scranton, Pennsylvania, United States

Built from parent and subsidiary links from GLEIF, the Global Legal Entity Identifier Foundation (CC0); major holders from Schedules 13D and 13G. Each entity in the chart links to its source.

What it owns

What PEOPLES FINANCIAL SERVICES CORP. reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Properties, in its own words

Our corporate headquarters is located at 30 E D Preate Drive Moosic, Pennsylvania, which houses executive offices, human resources and investor services divisions as well as other administrative and operational teams. An additional operations division is located at 82 Franklin Avenue, Hallstead, Pennsylvania.

We operate forty full-service community banking offices located within the Allegheny, Bucks, Lackawanna, Lancaster, Lebanon, Lehigh, Luzerne, Monroe, Montgomery, Northampton, Susquehanna and Wyoming Counties of Pennsylvania, Middlesex County of New Jersey and Broome County of New York. Sixteen offices are leased and the balance are owned by the Bank.

The rest of Item 2

We lease several remote ATM locations throughout our market area. Our community banking offices and ATM locations are monitored through a variety of means including cameras, alarms, and other monitoring and anti-tampering solutions.

We consider our properties to be suitable and adequate for our current and immediate future purposes.

Item 2 of the 10-K filed Mar 16, 2026.4

Leadership

Who has led PEOPLES FINANCIAL SERVICES CORP., and when. Pick a name to see everywhere that person has worked.

Chief executive

  1. John W. Ord2006
  2. Richard S. Lochen Jr.2007–2009
  3. Alan W. Dakey2009–2012
  4. Craig W. Best2013–2024
  5. Gerard A. Champi2025–now

Chair

  1. John W. Ord2006
  2. William E. Aubrey Ii.2025–now

President

  1. Richard S. Lochen Jr.2006–2009
  2. Alan W. Dakey2009–2012
  3. Craig W. Best2013–2020
  4. Thomas P. Tulaney2021–2024
  5. Gerard A. Champi2024

Chief financial officer

  1. Scott A. Seasock2011–2016
  2. James M. Bone Jr.2025–now

Chief operating officer

  1. Debra E. Dissinger2013–2017
  2. Thomas P. Tulaney2017–2022
2010201520202025
Board members and other officers (46)

Named in SEC Form D filings

People the company listed in its private-offering notices.

  • Executive Vice President and Chief Operating Officer of the IssuerJohn R. Anderson, III named Jun 20, 202571

Former names

  • PEOPLES FINANCIAL SERVICES CORP/Nov 16, 1998 to Apr 2, 20093

Timeline

  1. Sep 1, 20268-K Executive or director change72
  2. Aug 28, 20268-K Shareholder vote73
  3. Aug 19, 20268-K Regulation FD disclosure74
  4. Jul 30, 20268-K Results of operations75
  5. May 27, 20268-K Executive or director change; Shareholder vote76
  6. May 15, 20268-K Regulation FD disclosure77
  7. Apr 30, 20268-K Results of operations78
  8. Apr 2, 20268-K Executive or director change79
  9. Mar 16, 20268-K Regulation FD disclosure80
  10. Jan 30, 20268-K Results of operations81
  11. Jan 30, 20268-K Executive or director change; Regulation FD disclosure82
  12. Dec 29, 20258-K Other events83
  13. Apr 1, 2025New chief executive Gerard A. Champi becomes CEO14
  14. Dec 10, 2013New chief executive Craig W. Best becomes CEO15
  15. Nov 23, 2009New chief executive Alan W. Dakey becomes CEO16
  16. Jan 23, 2007New chief executive Richard S. Lochen Jr. becomes CEO17
  17. Aug 10, 2006New chief executive John W. Ord becomes CEO18
  18. Feb 6, 1986Founded PEOPLES FINANCIAL SERVICES CORP. is founded2

Calendar

Coming up

  1. Oct 29, 2026Reports results for the quarter ending Sep/2026 A year earlier it reported $4.71 a share, on Oct 30, 2025.84

When it reported results

  1. Jul 30, 2026Reported quarterly or annual results75
  2. Apr 30, 2026Reported quarterly or annual results78
  3. Jan 30, 2026Reported quarterly or annual results81
  4. Oct 30, 2025Reported quarterly or annual results85
  5. Jul 31, 2025Reported quarterly or annual results86
  6. May 1, 2025Reported quarterly or annual results87
  7. Feb 6, 2025Reported quarterly or annual results88
  8. Nov 5, 2024Reported quarterly or annual results89

Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar

Filings

441 filings to the SEC since October 2021: 5 annual reports, 15 quarterly reports, 58 major events, 294 insider forms, 5 large holders, 1 private raises, 63 other. The latest 20:

  1. Sep 1, 20264 EDGAR
  2. Sep 1, 20264 EDGAR
  3. Sep 1, 20268-K EDGAR
  4. Aug 31, 2026N-PX EDGAR
  5. Aug 28, 20268-K/A EDGAR
  6. Aug 19, 20268-K EDGAR
  7. Aug 7, 202610-Q EDGAR
  8. Jul 30, 20268-K EDGAR
  9. Jul 22, 202613F-HR EDGAR
  10. Jun 30, 20264 EDGAR
  11. Jun 30, 20264 EDGAR
  12. Jun 30, 20264 EDGAR
  13. Jun 30, 20264 EDGAR
  14. Jun 30, 20264 EDGAR
  15. Jun 30, 20264 EDGAR
  16. Jun 30, 20264 EDGAR
  17. Jun 30, 20264 EDGAR
  18. Jun 30, 20264 EDGAR
  19. Jun 30, 20264 EDGAR
  20. Jun 11, 2026S-8 EDGAR

The 441 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Insider trades

30 open-market trades by officers, directors and large owners since October 2021: 26 buys and 4 sales. Grants, option exercises and gifts are left out.

DateWhoTradeSharesPriceValueFiling
Aug 15, 2025LOCHEN RICHARD S JRDirectorBuy100$50.10$5.0KForm 4
Aug 6, 2025LOCHEN RICHARD S JRDirectorBuy1,000$47.67$47.7KForm 4
Mar 5, 2025LOCHEN RICHARD S JRDirectorBuy1,000$47.12$47.1KForm 4
Nov 27, 2024BEST CRAIG WCEOSale2,500$57.01$142.5KForm 4
Nov 21, 2024BEST CRAIG WCEOSale4,341$54.00$234.4KForm 4
Nov 13, 2024BEST CRAIG WCEOSale659$54.00$35.6KForm 4
Nov 11, 2024BEST CRAIG WCEOSale5,000$52.00$260.0KForm 4
Aug 7, 2024LOCHEN RICHARD S JRDirectorBuy122$43.54$5.3KForm 4
Aug 5, 2024LOCHEN RICHARD S JRDirectorBuy1,000$43.90$43.9KForm 4
Jul 30, 2024CONABOY WILLIAM PDirectorBuy2,208$48.78$107.7KForm 4
Jul 30, 2024KUKUCHKA RONALD GDirectorBuy482$49.37$23.8KForm 4
Jan 11, 2024Bodnyk SandraDirectorBuy300Form 4
May 24, 2023Ramirez Elisa ZDirectorBuy1,250$40.06$50.1KForm 4
May 24, 2023Ramirez Elisa ZDirectorBuy100$40.06$4.0KForm 4
May 17, 2023WRIGHT JOSEPH T JRDirectorBuy2,378$37.00$88.0KForm 4
May 16, 2023TULANEY THOMAS PPRESIDENTBuy1,000$37.45$37.5KForm 4
May 16, 2023Aubrey William E IICHAIRMANBuy2,715$38.46$104.4KForm 4
May 15, 2023LOCHEN RICHARD S JRDirectorBuy1,000$37.00$37.0KForm 4
May 15, 2023KUKUCHKA RONALD GDirectorBuy2,500$37.00$92.5KForm 4
Feb 9, 2023LOCHEN RICHARD S JRDirectorBuy627$53.10$33.3KForm 4

All 30 trades can be filtered by person here when JavaScript is on.

From Forms 4 filed with the SEC.

Major holders

Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.

Money raised

Private offerings the company reported to the SEC on Form D.

  1. Jun 6, 2025Raised $85 million in a private offering of debt Form D: 52 investors so far Form D

Held by these funds

The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026, the top 25 of 100. Change is in shares since the quarter before.

FundSharesValueShare of the fundChange
BlackRock, Inc.744,487$49.4M0.0%+109,791
Vanguard Capital Management LLC403,159$26.8M0.0%+11,125
Dimensional Fund Advisors LP339,265$22.5M0.0%+22,644
Geode Capital Management, LLC249,636$16.6M0.0%+14,266
State Street Corp212,476$14.1M0.0%+12,041
American Century Companies Inc202,754$13.5M0.0%+83,727
Peoples Financial Services Corp.90,401$6.0M2.6%−640
Northern Trust Corp86,119$5.7M0.0%+11,946
Bridgeway Capital Management, LLC82,968$5.5M0.1%+4,257
Vanguard Portfolio Management LLC78,816$5.2M0.0%+25,119
Vanguard Fiduciary Trust Co61,975$4.1M0.0%+799
Empowered Funds, LLC60,068$4.0M0.0%+4,257
Bank of New York Mellon Corp52,639$3.5M0.0%+1,627
Morgan Stanley49,157$3.3M0.0%+15,906
PNC Financial Services Group, Inc.48,429$3.2M0.0%No change
Alliance Wealth Advisors, LLC44,933$3.0M1.2%+227
Segall Bryant & Hamill, LLC37,621$2.5M0.0%−2,590
Two Sigma Investments, LP34,944$2.3M0.0%+13,009
First Trust Advisors LP34,125$2.3M0.0%+1,338
Wells Fargo & Company/mn33,876$2.2M0.0%+4,153
Hotchkis & Wiley Capital Management LLC30,140$2.0M0.0%+200
Cutler Capital Management, LLC28,746$1.9M0.6%−2
Eagle Wealth Strategies LLC28,655$1.9M0.7%No change
Quantinno Capital Management LP27,396$1.8M0.0%+11,034
Charles Schwab Investment Management Inc26,445$1.8M0.0%+2,346

13F reports cover disclosed long positions in U.S. stocks only.

SEC filer profile

How PEOPLES FINANCIAL SERVICES CORP. is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

  • Name on EDGARPEOPLES FINANCIAL SERVICES CORP.1
  • CIK0001056943
  • Employer ID (EIN)23-23918524
  • Filer statusAccelerated filer not an emerging growth company; not a smaller reporting company; not a shell company4
  • Incorporated inPennsylvania4
  • Fiscal year endsDecember 311
  • Industry code (SIC)6021 National Commercial Banks1
  • SEC reviewing officeOffice of Finance, Division of Corporation Finance1
  • Business address30 E D Preate Drive, Moosic, PA 185071
  • Phone570-346-77411
  • Shares outstanding10,010,367 as of Aug 1, 202811
  • Public float$454.3M as of Jun 30, 20254
  • AuditorBaker Tilly US, LLP, Allentown, Pennsylvania PCAOB ID 23; it also attests to the company’s internal control over financial reporting4
  • On EDGAR sinceMar 4, 19981
  • Filings1,464 in all: 4 (643), 8-K (267), 5 (147), 10-Q (82), 4/A (59), 3 (57), 13F-HR (51), 10-K (27)1
    All 45 form types

    DEF 14A (26), 425 (12), 8-K/A (7), CORRESP (7), UPLOAD (7), ARS (6), DEFA14A (5), S-8 (5), 424B3 (4), EFFECT (4), NO ACT (4), SC 13G/A (4), 10-Q/A (3), 5/A (3), N-PX (3), S-4 (3), S-4/A (3), 10-K/A (2), D (2), PRE 14A (2), S-3 (2), S-3DPOS (2), 10-12G (1), 10-12G/A (1), 15-12G (1), 15-15D (1), 3/A (1), 8-A12B (1), 8-K12G3 (1), 8-K12G3/A (1), CERTNAS (1), NT 10-K (1), NT 10-Q (1), S-3/A (1), SC 13G (1), SCHEDULE 13G (1), SCHEDULE 13G/A (1)

  • Latest filingsAnnual report (10-K) Mar 16, 2026
    Quarterly report (10-Q) Aug 7, 2026
    Proxy statement (DEF 14A) Apr 10, 2026
    Latest 8-K (8-K) Sep 1, 2026

Securities registered for trading

ClassSymbolExchange
Common stock, $2.00 par valuePFISThe Nasdaq Stock Market

From the cover page of the 10-K filed Mar 16, 2026 (Section 12(b) of the Exchange Act).4

Risk factors and legal proceedings

The risks PEOPLES FINANCIAL SERVICES CORP. names in Item 1A of its 10-K filed Mar 16, 2026: 32 risks under these headings, as written.4

  • Risks Related to Interest Rates
  • Changes in interest rates could adversely impact our financial condition and results of operations.
  • Changes in interest rates could affect our investment values and impact comprehensive income and stockholders’ equity.
  • Our results of operations may be materially and adversely affected by impairment charges relating to our investment portfolio.
  • Risks Related to Asset Quality
  • We are subject to credit risk in connection with our lending activities, and our financial condition and results of operations may be negatively impacted by economic conditions and other factors that adversely affect our borrowers.
  • We make commercial and industrial, construction, commercial real estate and equipment financing loans, which present greater risks than other types of loans.
  • Our ACL may not be adequate to absorb actual credit losses, and we may be required to make further provisions for credit losses and charge off additional loans in the future, which could materially and adversely affect our business.
  • Risks Related to Liquidity
  • Liquidity is essential to our business.
  • We rely substantially on deposits obtained from customers in our target markets to provide liquidity and support growth.
  • Unrealized Losses in Our Securities Portfolio Could Affect Liquidity.
The other 23 risks
  • The liquidity of our holding company depends on payments from the Bank, which are subject to restrictions.
  • Risks Related to Operations
  • The requirement to record certain assets and liabilities at fair value may adversely affect our financial results.
  • Changes in the value of goodwill and intangible assets could reduce our earnings.
  • We need to continually attract and retain qualified personnel for our operations.
  • Our disclosure controls and procedures and our internal control over financial reporting may not achieve their intended objectives.
  • We are subject to losses due to errors, omissions or fraud by our employees, clients, counterparties or other third parties.
  • We are exposed to environmental liabilities with respect to real estate.
  • Our reliance on third-party vendors and service providers exposes us to certain operational, regulatory and reputational risks.
  • Demand for the Company’s services is influenced by general economic and consumer trends beyond the Company’s control.
  • Strong competition within our market area may limit our growth and profitability.
  • Consumers may increasingly decide not to use banks to complete their financial transactions, which could have a material adverse impact on our financial condition and operations.
  • The soundness of other financial services institutions may adversely affect our credit risk.
  • The development and use of Artificial Intelligence (“AI”) presents risks and challenges that may adversely impact our business.
  • Our financial performance may suffer if our information technology is unable to keep pace with growth or industry developments.
  • A failure in or a breach of our information systems or infrastructure, including as a result of cybersecurity incidents, could disrupt our business, damage our reputation, and could have a material adverse effect on our business, financial condition and results of operations.
  • Risks Related to Government Regulation
  • We operate in a highly regulated environment and may be adversely affected by changes in laws and regulations.
  • Our earnings are significantly affected by the fiscal and monetary policies of the federal government and its agencies.
  • The regulations issued by the CFPB have increased and may continue to increase our costs of operations.
  • Regulations relating to privacy, information security and data protection could increase our costs, affect or limit how we collect and use personal information and adversely affect our business opportunities.
  • Our ability to make opportunistic acquisitions is subject to significant risks, including the risk that regulators will not provide the requisite approvals.
  • Risks Related to Our Common Stock
  • Our ability to pay dividends or repurchase shares is subject to limitations.
  • Future issuances of our common stock could adversely affect the market price of our common stock and could be dilutive.
  • Our governing documents and Pennsylvania law contain provisions which may reduce the likelihood of a change in control transaction that may otherwise be available and attractive to shareholders.

Legal proceedings

Neither the Company nor any of its property is subject to any material legal proceedings. Management, after consultation with legal counsel, does not anticipate that the ultimate liability, if any, arising out of pending and threatened lawsuits will have a material effect on the operating results or financial position of the Company.

The opening of Item 3, Legal Proceedings.4

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