PFIS on Nasdaq

PEOPLES FINANCIAL SERVICES CORP.

American national commercial bank that raised $85 million in 2025 (SEC Form D). Summary from the record

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Last updated Oct 19, 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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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. Apr 1, 2025New chief executive Gerard A. Champi becomes CEO14
  2. Dec 10, 2013New chief executive Craig W. Best becomes CEO15
  3. Nov 23, 2009New chief executive Alan W. Dakey becomes CEO16
  4. Jan 23, 2007New chief executive Richard S. Lochen Jr. becomes CEO17
  5. Aug 10, 2006New chief executive John W. Ord becomes CEO18
  6. Feb 6, 1986Founded PEOPLES FINANCIAL SERVICES CORP. is founded2

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.

Sources

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