Statement of Changes in Beneficial Ownership (Form 4)

FORM 4 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 that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP OF SECURITIES Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934 or Section 30(h) of the Investment Company Act of 1940

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(Print or Type Responses)

1. Name and Address of Reporting Person * LOCHEN RICHARD S JR 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) (Last) (First) (Middle) C/O PEOPLES SECURITY BANK & TRUST CO, 30 E D PREATE DRIVE 3. Date of Earliest Transaction (Month/Day/Year) 01/30/2026 (Street) MOOSIC, PA 18507 4. If Amendment, Date 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 (City) (State) (Zip) 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 01/30/2026 A(1) 297 A $ 0 18,891.042(2) D COMMON STOCK 4,459.822(3) I IRA COMMON STOCK 169.817(4) I As Custodian for child under the UTMA/PA COMMON STOCK 169.817(4) I As Custodian for child under the UTMA/PA

Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
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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 Underlying Securities (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 of Derivative Security: 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

Reporting Owners

Reporting Owner Name / Address	Relationships
	Director	10% Owner	Officer	Other
LOCHEN RICHARD S JR C/O PEOPLES SECURITY BANK & TRUST CO 30 E D PREATE DRIVE MOOSIC, PA 18507	X

Signatures

/s/ James M. Bone, Jr. As Attorney in Fact for Richard S. Lochen, Jr.		02/03/2026
**Signature of Reporting Person		Date

Explanation of Responses:

*	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).
(1)	Mr. Lochen was granted a stock award pursuant to Peoples Financial Services Corp.'s Director compensation plan.
(2)	This amount includes 8,841.0000 held individually by Mr. Lochen; and 10,050.042 shares held jointly with his spouse which includes 87.5800 shares acquired on 9/15/2025 and 87.439 shares acquired on 12/15/2025 pursuant to the Dividend Reinvestment and Stock Purchase Plan (DRP).
(3)	This amount includes 213.7910 shares acquired in 2025 pursuant to the DRP.
(4)	This amount includes 1.9450 shares acquired on 9/15/2025 and 1.9420 shares acquired on 12/15/2025 pursuant to the DRP.

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