Peoples Financial (PFBX)

Peoples Financial Corp. operates as a bank holding company, which engages in the provision of banking and financial services. The firm offers a variety of services to individuals and small to middle market businesses within its trade area through its subsidiaries. It focuses on lending services such as business, commercial, real estate, construction, personal and instalment loans. It also offers deposits services such as interest bearing and non-interest bearing checking accounts, savings accounts, certificates of deposit, and Individual Retirement Account accounts. Its Asset Management and Trust Services Department provides personal trust, agencies and estate services, including living and testamentary trusts, executorships, guardianships, and conservatorships, and other related products including safe deposit box rental, wire transfer, night drop facilities, collection, cash management, as well as internet banking. The company was founded on December 18, 1984 and is headquartered in Biloxi, MS.

Company profile

Ticker

PFBX

Exchange

NASDAQ

Website

www.thepeoples.com

CEO

Chevis C. Swetman

Incorporated

Mississippi

Location

Mississippi

Fiscal year end

Dec 31

Sector

Finance and Insurance > Commercial Banking

Industry (SIC)

State Commercial Banks

Bank Of New York Mellon • State Street • Ally Financial • Citizens Financial • Northern Trust • M & T Bank • Popular • Fifth Third Bancorp • Associated Banc-Corp. • First Citizens Bancshares, Inc ...

Former names

PEOPLES FINANCIAL CORP

SEC CIK

0000770460

Corporate docs

Articles of Incorporation & Bylaws

Plans of Reorganization

Indentures

Material Contracts & Credit Agreements

IRS number

640709834

PFBX stock data

1M 1Y 5Y

Press releases

From Benzinga Pro

PEOPLES FINANCIAL CORPORATION REPORTS RESULTS FOR THE FIRST QUARTER OF 2022

11 May 22

BILOXI, Miss., May 11, 2022 /PRNewswire/ -- Peoples Financial Corporation (the "Company")(OTCQX Best Market: PFBX), parent of The Peoples Bank, announced earnings for the first quarter ending March 31, 2022.

PEOPLES FINANCIAL CORPORATION ANNOUNCES RETIREMENT OF CHIEF FINANCIAL OFFICER

1 Apr 22

BILOXI, Miss., April 1, 2022 /PRNewswire/ -- Peoples Financial Corporation (the "Company") (OTCQX Best Market: PFBX), parent of The Peoples Bank, today announced that on April 1, 2022, Lauri A. Wood, Chief

Calendar

13 May 22

26 Jun 22

31 Dec 22

Financial summary

Financial statements Chart PFBX financial data

Quarter (USD)	Mar 22	Dec 21	Sep 21	Jun 21
Revenue
Cost of revenue
Operating income
Operating margin
Net income
Net profit margin
Cash on hand
Change in cash
Diluted EPS

Annual (USD)	Dec 21	Dec 20	Dec 19	Dec 18
Revenue
Cost of revenue
Operating income
Operating margin
Net income
Net profit margin
Cash on hand
Change in cash
Diluted EPS

Cash burn rate (est.)	Burn method: Change in cash		Burn method: Operating income		Burn method: FCF (opex + capex)
	Last Q	Avg 4Q	Last Q	Avg 4Q	Last Q	Avg 4Q
Cash on hand (at last report)	169.63M	169.63M	169.63M	169.63M	169.63M	169.63M
Cash burn (monthly)	(no burn)	(no burn)	1.76M	81.08K	(no burn)	(no burn)
Cash used (since last report)	n/a	n/a	5.06M	232.77K	n/a	n/a
Cash remaining	n/a	n/a	164.57M	169.4M	n/a	n/a
Runway (months of cash)	n/a	n/a	93.4	2089.1	n/a	n/a

Beta Read what these cash burn values mean

Financial data from company earnings reports.

Recent insider trades

PFBX insider ownership history Insider history

Date	Owner	Security	Transaction	Code	Indirect	10b5-1	#Shares	#Remaining
31 Dec 21	Lauri A Wood	Peoples Financial Corp/MS/	Other	Acquire J	No	No	41	1,379
31 Dec 21	J Patrick Wild	Peoples Financial Corp/MS/	Other	Acquire J	No	No	7	2,418
31 Dec 21	A Wes Fulmer	Peoples Financial Corp/MS/	Other	Acquire J	No	No	26	10,398
31 Dec 21	A Wes Fulmer	Peoples Financial Corp/MS/	Other	Acquire J	No	No	6	10,404

Data from 3, 4 and 5 filings. Values as filed, not updated for current price.

Institutional ownership, Q4 2021

PFBX institutional ownership history Ownership history

22.5% owned by funds/institutions

13F holders	Current	Prev Q	Change
Total holders	3	2	+50.0%
Opened positions	1	0	NEW
Closed positions	0	0
Increased positions	0	0
Reduced positions	0	0

13F shares	Current	Prev Q	Change
Total value	1.17M	1.17M	–
Total shares	1.05M	571.5K	+83.9%
Total puts	0	0
Total calls	0	0
Total put/call ratio	–	–	–

Largest owners	Shares	Value	Change
Stilwell Joseph	484.65K	$0	0.0%
Gendell Jeffrey L	479.27K	$0	NEW
M3 Partners	86.85K	$1.17M	0.0%

Largest transactions	Shares	Bought/sold	Change
Gendell Jeffrey L	479.27K	+479.27K	NEW
Stilwell Joseph	484.65K	0	0.0%
M3 Partners	86.85K	0	0.0%

Data from 13F filings, for the last complete 13F reporting period. For most recent data, click the ownership history button. Values as filed, not updated for current price. Long positions only.

Content analysis

Positive
Negative
Uncertain
Constraining
Legalese
Litigous
Readability	H.S. freshman Bad

New words: added, Aquisition, ASC, book, Bulletin, create, cumulative, cumulatively, deficiency, detected, entity, error, expert, expertise, failed, failure, fee, fiscal, Fulton, immaterial, interst, Joint, Leslie, LIHTC, misstatement, partner, personnel, perspective, prevented, Quantifying, quantitative, relevant, remediate, remediated, remediation, represented, separate, set, substantially, training, trend, Trustmark, wholly

Removed: ATM, card, close, Commission, conversion, DDA, debit, emergency, encouraging, executed, expired, faith, gain, good, invested, June, Lauri, legislation, making, materially, occurred, outreach, Overview, President, processed, processing, prudently, regular, repurchase, respond, response, resumed, round, serve, TDR, termination, Wood, worked

From filing 10-Q 2022 Q1

Financial reports

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