Peoples Financial (PFBX) CEO Swetman reports 2,888-share ESOP allocation

Rhea-AI Filing Summary

Peoples Financial Corp CEO and 10% owner Chevis Swetman reported an allocation of 2,888 shares of Peoples Financial Corp/MS/ common stock on December 31, 2025, coded as an "other" transaction (Code J) at a stated price of $0 per share.

According to the filing, this reflects an addition of shares due to an allocation of PFC ESOP Plan shares as of that date, increasing Swetman’s directly held stake to 422,951 shares after the transaction.

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 CHEVIS

(Last) (First) (Middle)

P.O. BOX 1416

(Street)

BILOXI MS 39533-1416

(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)
	CEO/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		2,888	A	$0	422,951	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 PFC ESOP Plan Shares as of 12-31-2025.

	Chevis C. 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 PFBX CEO Chevis Swetman report?

Chevis Swetman reported receiving 2,888 PFBX shares. The Form 4 shows an "other" transaction (Code J) on December 31, 2025, reflecting an allocation of PFC ESOP Plan shares, rather than an open-market purchase or sale.

How many Peoples Financial Corp (PFBX) shares does the CEO hold after this Form 4?

After the reported transaction, Chevis Swetman directly holds 422,951 PFBX shares. The 2,888-share allocation from the PFC ESOP Plan increased his directly owned position to this level, as disclosed in the Form 4.

What does transaction code J mean in the PFBX Form 4 filing?

Code J indicates "other acquisition or disposition" of securities. In this case, the Form 4 notes an addition of 2,888 shares due to allocation of PFC ESOP Plan shares as of December 31, 2025, at a stated price of $0.

Was the 2,888-share PFBX transaction a market purchase or sale?

No, it was not reported as a market trade. The transaction is coded J (other) at a price of $0 per share and is described as adding shares from a PFC ESOP Plan allocation, rather than a buy or sell in the open market.

What role does Chevis Swetman hold at Peoples Financial Corp (PFBX)?

Chevis Swetman is CEO, President, and a 10% owner of PFBX. The Form 4 identifies him as an officer with the title CEO/President and as a more-than-10% beneficial owner, reflecting a significant insider position.

How is ownership form reported for the PFBX shares in this Form 4?

The 422,951 PFBX shares are reported as directly owned. The Form 4 lists ownership type as "D" for direct, with no nature of indirect beneficial ownership specified for this transaction.