STOCK TITAN

Stilwell funds buy 620 Peoples Financial (PFBX) shares

Filing Impact
(Neutral)
Filing Sentiment
(Positive)
Form Type
4

Rhea-AI Filing Summary

Peoples Financial Corp. reported an insider transaction by investment entities associated with ten percent owner Joseph Stilwell. On April 24, these entities made an open-market purchase of 620 shares of common stock at $21.50 per share, increasing their indirect holdings to 465,490 shares. Related entities also report indirect holdings of 205,760 and 67,505 shares. Joseph Stilwell reports these positions indirectly through Stilwell Value LLC and disclaims beneficial ownership beyond his pecuniary interest.

Positive

  • None.

Negative

  • None.
Insider Stilwell Joseph, Stilwell Value LLC, Stilwell Value Partners VII, L.P., Stilwell Activist Fund, L.P., Stilwell Activist Investments, L.P.
Role null | null | null | null | null
Bought 620 shs ($13K)
Type Security Shares Price Value
Purchase Common Stock 620 $21.50 $13K
holding Common Stock -- -- --
holding Common Stock -- -- --
Holdings After Transaction: Common Stock — 465,490 shares (Indirect, See footnote)
Footnotes (1)
  1. These shares are owned directly by Stilwell Activist Fund, L.P. ("SAF") and indirectly by Joseph Stilwell in his capacity as the managing member and owner of Stilwell Value LLC ("Value"), which is the general partner of SAF. Joseph Stilwell disclaims beneficial ownership of all shares reported as owned indirectly except to the extent of his pecuniary interest therein. These shares are owned directly by Stilwell Value Partners VII, L.P. ("SVP VII") and indirectly by Joseph Stilwell in his capacity as the managing member and owner of Value, which is the general partner of SVP VII. Joseph Stilwell disclaims beneficial ownership of all shares reported as owned indirectly except to the extent of his pecuniary interest therein. These shares are owned directly by Stilwell Activist Investments, L.P. ("SAI") and indirectly by Joseph Stilwell in his capacity as the managing member and owner of Value, which is the general partner of SAI. Joseph Stilwell disclaims beneficial ownership of all shares reported as owned indirectly except to the extent of his pecuniary interest therein.
Open-market purchase 620 shares Common Stock bought on April 24 in open market
Purchase price $21.50 per share Price for 620-share open-market buy
Indirect holdings after trade 465,490 shares Total shares following transaction for one Stilwell entity
Additional indirect block 205,760 shares Shares reported for another Stilwell-related entity
Additional indirect block 67,505 shares Shares reported for a third Stilwell-related entity
Net share change 620 shares Net buy reported in transaction summary
open-market purchase financial
"transaction_action: "open-market purchase" for the 620-share trade"
An open-market purchase is when an investor or a company buys shares on a public stock exchange at the going market price, rather than through a private deal. It matters to investors because these purchases change how many shares are available, can push the stock price up or signal confidence from large buyers, and often affect per-share metrics like earnings—think of it like someone buying lots of apples off a grocery shelf, reducing supply and potentially raising the price.
ten percent owner financial
"reporting persons are each flagged as "is_ten_percent_owner": 1"
indirect ownership financial
"ownership_type is "indirect" with ownership_code "I""
beneficial ownership financial
"Joseph Stilwell disclaims beneficial ownership of all shares reported as owned indirectly"
Beneficial ownership means the person or entity that actually enjoys the benefits of owning shares or other assets — such as receiving dividends, voting rights, or price gains — even if the legal title is held in another name. For investors it matters because knowing who truly controls and profits from a company reveals who can influence decisions, exposes potential conflicts of interest or hidden concentration of power, and affects transparency and risk in the stock.
pecuniary interest financial
"except to the extent of his pecuniary interest therein"
SEC Form 4
FORM 4UNITED 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
OMB APPROVAL
OMB Number:3235-0287
Estimated average burden
hours per response:0.5
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*
Stilwell Joseph

(Last)(First)(Middle)
200 CALLE DEL SANTO CRISTO

(Street)
SAN JUAN PUERTO RICO 00901

(City)(State)(Zip)

UNITED STATES

(Country)
2. Issuer Name and Ticker or Trading Symbol
PEOPLES FINANCIAL CORP /MS/ [ PFBX ]
5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)
DirectorX10% Owner
Officer (give title below)Other (specify below)
2a. Foreign Trading Symbol
3. Date of Earliest Transaction (Month/Day/Year)
04/24/2026
6. Individual or Joint/Group Filing (Check Applicable Line)
Form filed by One Reporting Person
XForm filed by More than One Reporting Person
4. If Amendment, Date of Original Filed (Month/Day/Year)

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)
CodeVAmount(A) or (D)Price
Common Stock67,505ISee footnote(1)
Common Stock205,760ISee footnote(2)
Common Stock04/24/2026P620A$21.5465,490ISee footnote(3)
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)
CodeV(A)(D)Date ExercisableExpiration DateTitleAmount or Number of Shares
1. Name and Address of Reporting Person*
Stilwell Joseph

(Last)(First)(Middle)
200 CALLE DEL SANTO CRISTO

(Street)
SAN JUAN PUERTO RICO 00901

(City)(State)(Zip)

UNITED STATES

(Country)

Relationship of Reporting Person(s) to Issuer
DirectorX10% Owner
Officer (give title below)Other (specify below)
1. Name and Address of Reporting Person*
Stilwell Value LLC

(Last)(First)(Middle)
111 BROADWAY, 12TH FLOOR

(Street)
NEW YORK NEW YORK 10006

(City)(State)(Zip)

UNITED STATES

(Country)

Relationship of Reporting Person(s) to Issuer
DirectorX10% Owner
Officer (give title below)Other (specify below)
1. Name and Address of Reporting Person*
Stilwell Value Partners VII, L.P.

(Last)(First)(Middle)
111 BROADWAY, 12TH FLOOR

(Street)
NEW YORK NEW YORK 10006

(City)(State)(Zip)

UNITED STATES

(Country)

Relationship of Reporting Person(s) to Issuer
DirectorX10% Owner
Officer (give title below)Other (specify below)
1. Name and Address of Reporting Person*
Stilwell Activist Fund, L.P.

(Last)(First)(Middle)
111 BROADWAY, 12TH FLOOR

(Street)
NEW YORK NEW YORK 10006

(City)(State)(Zip)

UNITED STATES

(Country)

Relationship of Reporting Person(s) to Issuer
DirectorX10% Owner
Officer (give title below)Other (specify below)
1. Name and Address of Reporting Person*
Stilwell Activist Investments, L.P.

(Last)(First)(Middle)
111 BROADWAY, 12TH FLOOR

(Street)
NEW YORK NEW YORK 10006

(City)(State)(Zip)

UNITED STATES

(Country)

Relationship of Reporting Person(s) to Issuer
DirectorX10% Owner
Officer (give title below)Other (specify below)
Explanation of Responses:
1. These shares are owned directly by Stilwell Activist Fund, L.P. ("SAF") and indirectly by Joseph Stilwell in his capacity as the managing member and owner of Stilwell Value LLC ("Value"), which is the general partner of SAF. Joseph Stilwell disclaims beneficial ownership of all shares reported as owned indirectly except to the extent of his pecuniary interest therein.
2. These shares are owned directly by Stilwell Value Partners VII, L.P. ("SVP VII") and indirectly by Joseph Stilwell in his capacity as the managing member and owner of Value, which is the general partner of SVP VII. Joseph Stilwell disclaims beneficial ownership of all shares reported as owned indirectly except to the extent of his pecuniary interest therein.
3. These shares are owned directly by Stilwell Activist Investments, L.P. ("SAI") and indirectly by Joseph Stilwell in his capacity as the managing member and owner of Value, which is the general partner of SAI. Joseph Stilwell disclaims beneficial ownership of all shares reported as owned indirectly except to the extent of his pecuniary interest therein.
Remarks:
The reporting persons are jointly filing this statement as members of a Section 13(d) group that beneficially owns more than 10% of the issuer's common stock.
/s/ Joseph Stilwell as authorized agent for Stilwell Value Partners VII, L.P.04/27/2026
/s/ Joseph Stilwell as authorized agent for Stilwell Activist Fund, L.P.04/27/2026
/s/ Joseph Stilwell as authorized agent for Stilwell Activist Investments, L.P.04/27/2026
/s/ Joseph Stilwell04/27/2026
/s/ Joseph Stilwell as authorized agent for Stilwell Value LLC04/27/2026
** Signature of Reporting PersonDate
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).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.
* Form 4: SEC 1474 (03-26)

FAQ

What insider transaction did Stilwell entities report in PFBX?

Entities associated with Joseph Stilwell reported buying 620 shares of Peoples Financial common stock at $21.50 per share. The purchase was an open-market transaction and increased their reported indirect ownership position in the company.

How many Peoples Financial (PFBX) shares do Stilwell entities now hold?

After the April 24 transaction, one Stilwell-related entity reports 465,490 Peoples Financial shares, while other related entities report 205,760 and 67,505 shares indirectly. These amounts reflect holdings reported in the filing, not necessarily Joseph Stilwell’s direct ownership.

Was the PFBX insider trade a buy or a sell?

The reported insider activity was a buy. Stilwell-related entities executed an open-market purchase of 620 Peoples Financial common shares at $21.50 each, and no sales were reported in this Form 4 transaction summary.

Who is Joseph Stilwell in relation to Peoples Financial (PFBX)?

Joseph Stilwell is identified as a ten percent owner of Peoples Financial through investment entities he controls. He reports indirect ownership via Stilwell Value LLC but disclaims beneficial ownership of indirectly held shares beyond his pecuniary interest.

Are the PFBX shares held directly by Joseph Stilwell?

The shares referenced are held directly by limited partnerships such as Stilwell Activist Fund, Stilwell Value Partners VII, and Stilwell Activist Investments. Stilwell reports them indirectly through Stilwell Value LLC and disclaims beneficial ownership except for his pecuniary interest.