PFBX senior vice president Andrew Swetman boosts direct stake with 86 shares

Rhea-AI Filing Summary

Peoples Financial Corp (PFBX) senior vice president and 10% owner Andrew T. Swetman reported a small increase in his holdings. On December 31, 2025, he acquired 86 shares of Peoples Financial Corp at $0 per share, reflecting an allocation of 401(k) plan shares. Following this transaction, he beneficially owns 522,187 shares directly.

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

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Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Swetman Andrew T

(Last) (First) (Middle)

152 LAMEUSE STREET

(Street)

BILOXI MS 39530

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
PEOPLES FINANCIAL CORP /MS/ [ PFBX ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director	X	10% Owner
X	Officer (give title below)		Other (specify below)
	Senior Vice President

3. Date of Earliest Transaction (Month/Day/Year)
12/31/2025

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Peoples Financial Corp/MS/	12/31/2025	12/31/2025	J		86	A	$0	522,187	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

Remarks:

Adding Shares for Reporting Person Due to Allocation of 401(k) Plan Shares as of 12-31-2025.

	Andrew T. Swetman	02/11/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
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FAQ

What insider transaction did Form 4 report for Peoples Financial Corp (PFBX)?

The Form 4 reports that Andrew T. Swetman acquired 86 shares of Peoples Financial Corp on December 31, 2025, at $0 per share. The shares were added through an allocation of 401(k) plan shares, modestly increasing his direct beneficial ownership.

Who is Andrew T. Swetman in relation to Peoples Financial Corp (PFBX)?

Andrew T. Swetman is a senior vice president and a 10% owner of Peoples Financial Corp. His roles indicate both an executive management position and significant share ownership, which is why his transactions must be reported on Form 4 under SEC rules.

How many PFBX shares does Andrew T. Swetman own after this transaction?

After the reported transaction, Andrew T. Swetman beneficially owns 522,187 shares of Peoples Financial Corp directly. This figure includes the additional 86 shares credited from his 401(k) plan allocation as of December 31, 2025, as disclosed in the filing.

What was the nature of the 86-share transaction reported for PFBX?

The 86-share transaction is coded “J” and priced at $0 per share, indicating a non-market acquisition. The remarks explain it reflects an allocation of Peoples Financial Corp shares to Andrew T. Swetman’s 401(k) plan as of December 31, 2025.

Was the PFBX insider transaction a direct or indirect holding for Andrew T. Swetman?

The Form 4 indicates that Andrew T. Swetman’s 522,187 shares, including the 86 newly allocated shares, are held with direct ownership. No indirect ownership structure or related entity is referenced in the filing’s ownership fields or footnotes.