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PEOPLES FINANCIAL CORP (PFBX) reported an insider share purchase by CEO/President and ten percent owner Chevis Swetman. On 2026-08-24, Swetman purchased 1,000 shares of Peoples Financial Corp/MS/ common stock in an open-market or private transaction at $23.25 per share, reported as direct ownership. The transaction was not affirmatively reported as made under a Rule 10b5-1 trading plan.
Peoples Financial Corporation reported modest balance sheet growth but lower profitability for the quarter and six months ended June 30, 2026. Total assets increased to $771,025,000 from $727,121,000 at December 31, 2025, driven by higher loans of $277,162,000 and a larger available-for-sale securities portfolio. Deposits rose slightly to $609,777,000, while Federal Home Loan Bank advances increased to $38,500,000.
For the quarter, net interest income was $4,919,000, down from $5,472,000 a year earlier, and net income declined to $897,000 (earnings per share $0.19) from $1,242,000 ($0.27). For the six months, net income was $2,343,000 versus $2,552,000, while dividends remained $0.18 per share. Credit quality metrics remained relatively stable, with nonaccrual loans of $486,000 and an allowance for credit losses on loans of $3,100,000.
Investment funds associated with Joseph Stilwell, as part of a Section 13(d) group owning over 10% of Peoples Financial Corp., reported net purchases of 42,658 shares of common stock on July 31, 2026 at an average price of 22.2489 per share, through Stilwell Value Partners VII and Stilwell Activist Investments. Joseph Stilwell reports only indirect interests in these holdings, limited to his pecuniary interest.
Peoples Financial Corporation reported second quarter 2026 net income of $897,000, down from $1,242,000 a year earlier, with earnings per share of $0.19 versus $0.27. For the first six months of 2026, net income was $2,343,000 compared with $2,552,000 for the same 2025 period.
The decline was driven mainly by a $553,000 reduction in net interest income to $4,919,000, as interest income on securities and federal funds fell and interest expense edged higher. Return on average assets was 0.63% and the efficiency ratio rose to 80%. As of June 30, 2026, total assets were $771.0 million, deposits $609.8 million and shareholders’ equity $101.7 million. Unrealized losses on available-for-sale securities increased to $29.4 million, but management attributes this to higher interest rates, not credit issues, and does not expect near-term sales realizing these losses. The bank’s leverage ratio remained high at 15.22%, with an allowance for credit losses on loans of $3.1 million (1.12% of loans) and nonaccrual loans of $486,000, indicating stable asset quality and strong capital and liquidity.
Peoples Financial Corp reported an insider group led by Joseph Stilwell that beneficially owns more than 10% of its common stock. On 2026-07-15, Stilwell Activist Investments, L.P. purchased 2,500 common shares at $21.75 per share, increasing its indirect holdings to 479,822 shares. Related funds report additional indirect holdings of 67,505 and 205,760 shares. Joseph Stilwell reports these positions indirectly through Stilwell Value LLC and disclaims beneficial ownership except to the extent of his pecuniary interest.
Peoples Financial Corp. entities associated with large shareholder Joseph Stilwell reported an open-market purchase of 200 shares of common stock at $21.50 per share on July 13, 2026. The position is held indirectly through investment partnerships and an LLC that serve as general partners.
Following these entries, the filing lists indirect holdings of 477,322, 205,760, and 67,505 shares of Peoples Financial common stock across affiliated funds. Stilwell disclaims beneficial ownership of shares reported as owned indirectly except to the extent of his pecuniary interest.
Peoples Financial Corp. insider-affiliated funds increased their indirect stake through small open-market purchases. Entities associated with Joseph Stilwell bought a total of 2,657 shares of Common Stock at $21.25 per share on July 1–2, 2026.
One indirect account purchased 2,150 shares, bringing its reported holdings to 476,615 shares. Another indirect account purchased 507 shares, raising its reported holdings to 477,122 shares. The filing also reflects other indirect holdings of 205,760 and 67,505 shares in related partnerships, with Joseph Stilwell disclaiming beneficial ownership beyond his pecuniary interest.
Peoples Financial Corp (PFBX) reported an insider-related open-market purchase of common stock by entities associated with investor Joseph Stilwell. On June 3, 2026, an affiliated entity indirectly acquired 200 shares of common stock at $21.25 per share in an open-market transaction.
The filing shows indirect ownership positions of 474,465 shares, 205,760 shares, and 67,505 shares of Peoples Financial common stock held through Stilwell-related limited partnerships. The footnotes state that these shares are owned directly by Stilwell Activist Fund, L.P., Stilwell Value Partners VII, L.P., and Stilwell Activist Investments, L.P., and indirectly by Joseph Stilwell via Stilwell Value LLC as general partner, with Stilwell disclaiming beneficial ownership except to the extent of his pecuniary interest.
Peoples Financial Corp/MS/ First Vice President Andrew T. Swetman reported an open-market sale of 2,000 common shares at $21.25 each. After this transaction, he directly holds 515,184 shares, and is identified as both an officer and a ten percent owner.