PFBX on OTC

PEOPLES FINANCIAL CORP /MS/

American state commercial bank, incorporated in Mississippi. Summary from the record

Price unavailable

Last updated Oct 19, 2026.

Overview

Compare with another stock.

  • TickerPFBX on OTC1
  • IndustryState Commercial Banks1
  • HeadquartersBiloxi, Mississippi1
  • Incorporated inMS2
  • Business address152 Lameuse Street, P O Box 529, Biloxi, Ms 395302
  • Filer categoryNon-accelerated filer, Smaller reporting company2

See how the biggest companies compare on our leaderboards

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

Service charges on deposit accounts brought in 56% of the revenue PEOPLES FINANCIAL CORP /MS/ broke down this way in fiscal 2025.

  1. Service charges on deposit accounts$3.2M356%down 0% from 2024
  2. Trust Department Income and Fees$2.5M344%up 1% from 2024
Products and services by year
Products and services202320242025
Service charges on deposit accounts$3.2M$3.2M$3.2M
Trust Department Income and Fees$2.4M$2.5M$2.5M

Financial statements

Net income45673$3.9M in 2025+133% since 2019
-$10.0M0$10.0M$20.0M$30.0M2019: $1.7M$1.7M20192020: -$2.6M-$2.6M20202021: $8.9M$8.9M20212022: $8.9M$8.9M2022+0%2023: $9.2M$9.2M2023+3%2024: $21.7M$21.7M2024+137%2025: $3.9M$3.9M2025−82%

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

Period ending2025-12-312024-12-312023-12-31
Interest and fees on loans$14.9M$14.8M$12.9M
U. S. Treasuries$5.1M$7.1M$6.6M
Mortgage-backed securities$1.6M$2.4M$3.6M
Collateralized mortgage obligations$2.1M$3.0M$3.5M
States and political subdivisions$3.7M$3.8M$4.3M
Other investments$46.0K$144.0K$105.0K
Interest on balances due from depository institutions$1.2M$1.8M$1.6M
Total interest income$28.5M$33.1M$32.6M
Deposits$7.8M$7.6M$5.7M
Borrowings$313.0K$2.0M$409.0K
Total interest expense$8.1M$9.6M$6.2M
Net interest income$20.4M$23.5M$26.5M
Provision for (reduction of) credit losses$3.0K-$162.0K-$272.0K
Net interest income after provision for (reduction of) credit losses$20.4M$23.6M$26.7M
Increase in cash surrender value of life insurance$558.0K$532.0K$485.0K
Gain from death benefits from life insurance$133.0K
Gain (loss) on sale of property, plant and equipment, net$0$9.0K$30.0K
Other income$795.0K$813.0K$788.0K
Total non-interest income$7.2M$7.0M$6.9M
Salaries and employee benefits$10.7M$10.5M$11.1M
Net occupancy$2.3M$2.2M$2.1M
Equipment rentals, depreciation and maintenance$2.9M$3.0M$2.8M
Other expense$6.7M$6.6M$6.3M
Total non-interest expense$22.7M$22.2M$22.4M
Income before income taxes$4.8M$8.4M$11.3M
Income tax (benefit) expense$900.0K-$13.3M$2.1M
Net income$3.9M$21.7M$9.2M
Basic earnings per share (in dollars per share)$0.85$4.66$1.96
Diluted earnings per share (in dollars per share)$0.85$4.66$1.96
Dividends declared per share (in dollars per share)$0.36$0.44$0.53

Compare PEOPLES FINANCIAL CORP /MS/ with another company

Leadership

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

Chief executive

  1. Chevis Swetman2006–now

President

  1. Chevis Swetman2006–now

Chief financial officer

  1. Lauri A. Wood2006–2022
2010201520202025
Board members and other officers (23)

Former names

  • PEOPLES FINANCIAL CORPSep 9, 1996 to Feb 12, 19982

Timeline

  1. Jan 24, 2006New chief executive Chevis Swetman becomes CEO11

Filings

328 filings to the SEC since October 2021: 5 annual reports, 15 quarterly reports, 48 major events, 176 insider forms, 22 large holders, 62 other. The latest 20:

  1. Aug 24, 20264 PRIMARY DOCUMENT EDGAR
  2. Aug 14, 202610-Q EDGAR
  3. Aug 4, 2026SCHEDULE 13D/A EDGAR
  4. Aug 3, 20264 EDGAR
  5. Jul 22, 20268-K EDGAR
  6. Jul 17, 20264 EDGAR
  7. Jul 14, 20264 EDGAR
  8. Jul 6, 20264 EDGAR
  9. Jun 16, 202611-K EDGAR
  10. Jun 4, 20264 EDGAR
  11. May 29, 20264 PRIMARY DOCUMENT EDGAR
  12. May 29, 20264 PRIMARY DOCUMENT EDGAR
  13. May 28, 20264 PRIMARY DOCUMENT EDGAR
  14. May 28, 20264 PRIMARY DOCUMENT EDGAR
  15. May 27, 20264 EDGAR
  16. May 27, 20268-K EDGAR
  17. May 19, 20264 EDGAR
  18. May 13, 20264 EDGAR
  19. May 12, 20264 EDGAR
  20. May 12, 202610-Q EDGAR

The 328 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

123 open-market trades by officers, directors and large owners since October 2021: 120 buys and 3 sales. Grants, option exercises and gifts are left out.

DateWhoTradeSharesPriceValueFiling
Aug 24, 2026SWETMAN CHEVISCEO/PresidentBuy1,000$23.25$23.2KForm 4
Jul 31, 2026Stilwell Value Partners VII, L.P.10% ownerBuy42,658$22.25$949.1KForm 4
Jul 15, 2026Stilwell Activist Investments, L.P.10% ownerBuy2,500$21.75$54.4KForm 4
Jul 13, 2026Stilwell Activist Investments, L.P.10% ownerBuy200$21.50$4.3KForm 4
Jul 2, 2026Stilwell Joseph10% ownerBuy507$21.25$10.8KForm 4
Jul 1, 2026Stilwell Joseph10% ownerBuy2,150$21.25$45.7KForm 4
Jun 3, 2026Stilwell Activist Investments, L.P.10% ownerBuy200$21.25$4.2KForm 4
May 29, 2026Sliman George J IIIDirectorBuy2,000$21.25$42.5KForm 4
May 29, 2026Swetman Andrew TFirst Vice PresidentSale2,000$21.25$42.5KForm 4
May 28, 2026Barnes Ronald GDirectorBuy1,000$21.25$21.2KForm 4
May 28, 2026Swetman Andrew TFirst Vice PresidentSale1,000$21.25$21.2KForm 4
May 26, 2026Stilwell Joseph10% ownerBuy1,717$21.25$36.5KForm 4
May 18, 2026Stilwell Value LLC10% ownerBuy999$21.25$21.2KForm 4
May 12, 2026Stilwell Joseph10% ownerBuy500$21.25$10.6KForm 4
May 11, 2026Stilwell Activist Investments, L.P.10% ownerBuy789$21.25$16.8KForm 4
May 8, 2026Stilwell Activist Fund, L.P.10% ownerBuy2,212$21.25$47.0KForm 4
May 6, 2026Stilwell Joseph10% ownerBuy2,058$21.25$43.7KForm 4
May 4, 2026Stilwell Value LLC10% ownerBuy500$21.50$10.8KForm 4
Apr 29, 2026SWETMAN CHEVISCEO/PresidentBuy2,500$21.50$53.8KForm 4
Apr 27, 2026Dennis Padrick DDirectorBuy4,003$21.50$86.1KForm 4

All 123 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.

  • Joseph StilwellSCHEDULE 13D/A, 15 filings Feb 7, 2022 to Aug 4, 202635
  • Chevis SwetmanSCHEDULE 13G/A, 5 filings Feb 10, 2022 to Feb 9, 202636
  • Jeffrey L. GendellSC 13G/A, 2 filings Feb 11, 2022 to Feb 14, 202337

Sources

The numbers on this page point here. Each one links to the record it came from.

  1. 1
  2. 2
  3. 3
  4. 4
  5. 5
  6. 6
  7. 7
  8. 8
  9. 9
  10. 10
  11. 11
  12. 12
  13. 13
  14. 14
  15. 15
  16. 16
  17. 17
  18. 18
  19. 19
  20. 20
  21. 21
  22. 22
  23. 23
  24. 24
  25. 25
  26. 26
  27. 27
  28. 28
  29. 29
  30. 30
  31. 31
  32. 32
  33. 33
  34. 34
  35. 35
  36. 36
  37. 37