Peoples Financial Services reports results for Q3 2026.

Item 2.02 Results of Operations and Financial Condition.

On October 30, 2026, Peoples Financial Services Corp. issued a press release announcing unaudited results of operations for the three and nine months ended September 30, 2026 and financial condition at September 30, 2026. A copy of the press release is attached hereto as Exhibit 99.1 and is incorporated herein by reference.

Item 9.01 Financial Statements and Exhibits.

(d)

Exhibits

The following exhibits are filed with this Form 8-K:

Exhibit

No.

Description

99.1

Press release dated October 30, 2026 announcing results of operations and financial condition.

2

Exhibit Index

Exhibit

No.

Description

99.1

Press release dated October 30, 2026 announcing results of operations and financial condition.

104

Cover Page Interactive Data File (embedded within the Inline XBRL document).

3

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

PEOPLES FINANCIAL SERVICES CORP.

By:

/s/ Gerard A. Champi

Gerard A. Champi

President and Chief Executive Officer

(Principal Executive Officer)

By:

/s/James M. Bone, Jr.

James M. Bone, Jr., CPA

Executive Vice President and Chief Financial Officer

(Principal Financial Officer)

Date: October 30, 2026

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NEWS RELEASE TO BUSINESS EDITOR:

PEOPLES FINANCIAL SERVICES CORP.

Reports Unaudited Third Quarter and Year to Date 2026 Earnings

Moosic, PA, October 30, 2026/BUSINESSWIRE/ – Peoples Financial Services Corp. ("Peoples" or the "Company") (NASDAQ: PFIS), the bank holding company for Peoples Security Bank and Trust Company (the "Bank"), today reported unaudited financial results at and for the three and nine months ended September 30, 2026.

Peoples reported net income of $19.1 million, or $1.90 per diluted share for the three months ended September 30, 2026, an increase of $3.9 million compared to net income of $15.2 million, or $1.51 per diluted share for the three months ended September 30, 2025. Net income for the nine months ended September 30, 2026 totaled $48.7 million, or $4.85 per diluted share, an increase of $1.5 million, compared to $47.2 million, or $4.69 per diluted share for the same nine months of 2025. Return on average assets ("ROAA") and return on average equity ("ROAE")