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
Website
CEO
Chevis C. Swetman
Employees
Incorporated
Location
Fiscal year end
Sector
Industry (SIC)
Former names
PEOPLES FINANCIAL CORP
SEC CIK
Corporate docs
IRS number
640709834
PFBX stock data
Calendar
13 May 22
26 Jun 22
31 Dec 22
Financial summary
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Diluted EPS |
Annual (USD) | Dec 21 | Dec 20 | Dec 19 | Dec 18 | |
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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 |
Recent insider trades
Date | Owner | Security | Transaction | Code | Indirect | 10b5-1 | $Price | #Shares | $Value | #Remaining |
---|---|---|---|---|---|---|---|---|---|---|
31 Dec 21 | Lauri A Wood | Peoples Financial Corp/MS/ | Other | Acquire J | No | No | 0 | 41 | 0 | 1,379 |
31 Dec 21 | J Patrick Wild | Peoples Financial Corp/MS/ | Other | Acquire J | No | No | 0 | 7 | 0 | 2,418 |
31 Dec 21 | A Wes Fulmer | Peoples Financial Corp/MS/ | Other | Acquire J | No | No | 0 | 26 | 0 | 10,398 |
31 Dec 21 | A Wes Fulmer | Peoples Financial Corp/MS/ | Other | Acquire J | No | No | 0 | 6 | 0 | 10,404 |
Institutional ownership, Q4 2021
22.5% owned by funds/institutions
13F holders | Current |
---|---|
Total holders | 3 |
Opened positions | 1 |
Closed positions | 0 |
Increased positions | 0 |
Reduced positions | 0 |
13F shares | Current |
---|---|
Total value | 1.17M |
Total shares | 1.05M |
Total puts | 0 |
Total calls | 0 |
Total put/call ratio | – |
Largest owners | Shares | Value |
---|---|---|
Stilwell Joseph | 484.65K | $0 |
Gendell Jeffrey L | 479.27K | $0 |
M3 Partners | 86.85K | $1.17M |
Content analysis
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Readability |
H.S. freshman Bad
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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
Financial reports
Current reports
8-K
Results for the First Quarter of 2022
11 May 22
8-K
Submission of Matters to a Vote of Security Holders
3 May 22
8-K/A
Other Events
26 Apr 22
8-K
Other Events
25 Apr 22
8-K
Peoples Financial Corporation Announces Retirement of Chief Financial Officer
1 Apr 22
8-K
Trustmark National Bank Enters Agreement to Sell Corporate Trust Business to The Peoples Bank, Biloxi, Mississippi
18 Mar 22
8-K
Peoples Financial Corporation Declares
11 Mar 22
8-K
Departure of Directors or Certain Officers
7 Feb 22
8-K
Results of Operations and Financial Condition
26 Jan 22
8-K
Departure of Directors or Certain Officers
3 Jan 22
Proxies
DEFA14A
Additional proxy soliciting materials
12 Apr 22
DFAN14A
Additional proxy materials by non-management
4 Apr 22
DFRN14A
Revised proxy by non-management
4 Apr 22
DEFC14A
Proxy in contested situation
25 Mar 22
DFAN14A
Additional proxy materials by non-management
15 Mar 22
DFRN14A
Revised proxy by non-management
14 Mar 22
PREC14A
Preliminary proxy with contested solicitation
10 Mar 22
PRE 14A
Preliminary proxy
10 Mar 22
DEFA14A
Additional proxy soliciting materials
10 Mar 22
DEFC14A
Proxy in contested situation
10 Mar 22
Other
CORRESP
Correspondence with SEC
8 Apr 21
UPLOAD
Letter from SEC
5 Apr 21
CORRESP
Correspondence with SEC
1 Apr 21
UPLOAD
Letter from SEC
23 Mar 21
UPLOAD
Letter from SEC
13 Jan 16
CORRESP
Correspondence with SEC
13 Dec 15
UPLOAD
Letter from SEC
7 Dec 15
UPLOAD
Letter from SEC
16 Oct 13
CORRESP
Correspondence with SEC
23 Sep 13
UPLOAD
Letter from SEC
12 Sep 13
Ownership
SC 13D/A
PEOPLES FINANCIAL / STILWELL JOSEPH ownership change
4 Apr 22
SC 13D/A
PEOPLES FINANCIAL / STILWELL JOSEPH ownership change
15 Mar 22
3
PEOPLES FINANCIAL / Katherine Paige Riley ownership change
18 Feb 22
SC 13G/A
PEOPLES FINANCIAL / GENDELL JEFFREY L ownership change
11 Feb 22
SC 13G/A
PEOPLES FINANCIAL / SWETMAN CHEVIS ownership change
10 Feb 22
SC 13D/A
PEOPLES FINANCIAL / STILWELL JOSEPH ownership change
7 Feb 22
4
PEOPLES FINANCIAL / CHEVIS SWETMAN ownership change
4 Feb 22
4
PEOPLES FINANCIAL / CHEVIS SWETMAN ownership change
4 Feb 22
4
PEOPLES FINANCIAL / Andrew T Swetman ownership change
4 Feb 22
5
PEOPLES FINANCIAL / Jeffrey H O'Keefe ownership change
4 Feb 22