OTC · Finance

Peoples Financial Corp (PFBX)

Operating cash flow minus capital spending left $4.2M of free cash flow in fiscal 2025. At June 30, 2026 it held $24.1M in cash. Its latest periodic report to the SEC is the quarterly report (10-Q) filed on August 14, 2026.

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Price

$24.00

0.00% on the day · September 25, 2026

52-week range $20.20 to $24.50

Market cap

$110.8M

P/E

28.2

on FY2025 diluted EPS

What Peoples Financial Corp does

Peoples Financial Corp is registered with the SEC under industry code SIC 6022 (State Commercial Banks). Its shares trade on OTC under the ticker PFBX.

Revenue and profit by year

Net income

Fiscal years as reported in annual reports. Amounts in USD.

Key figures

Fiscal year	Revenue	Operating income	Net income	Diluted EPS	Free cash flow
2025	n/a	n/a	$3.9M	$0.85	$4.2M
2024	n/a	n/a	$21.7M	$4.66	$5.1M
2023	n/a	n/a	$9.2M	$1.96	$6.5M
2022	n/a	n/a	$8.9M	$1.91	n/a
2021	n/a	n/a	$8.9M	$1.77	$2.6M
2020	n/a	n/a	-$2.6M	-$0.56	$5.5M

Full financial statements: income, balance sheet and cash flow

Next report expected around October 21, 2026.

Estimated from its filing rhythm: 52 weeks after its report of October 22, 2025. Not a date the company has announced. See the report calendar

Dividends

Peoples Financial Corp declared $0.36 per share in fiscal 2025. At the current price that is a yield of 1.50%. It paid out $1.7M in cash dividends, 42% of its net income.

Fiscal year	Per share	Paid out	Of profit
2025	$0.36	$1.7M	42%
2024	$0.44	$2M	9%
2023	$0.53	$2.5M	27%
2022	$0.19	$889K	10%
2021	$0.16	$769K	9%
2020	$0.02	$98K	n/a

Per share as declared (or paid, where only that is reported), adjusted for stock splits the company itself restated. Yield is the latest fiscal year's dividend over the current price.

Latest SEC filings

What Peoples Financial Corp has filed recently, newest first. Each links to the original document on SEC EDGAR.

August 14, 2026
Quarterly report 10-Q · period to June 30, 2026Diluted EPS $0.19 versus $0.27.
August 4, 2026
Activist stake changed SCHEDULE 13D/A
July 22, 2026
Quarterly results 8-K
June 16, 2026
Employee plan annual report 11-K
May 27, 2026
Quarterly results 8-K
May 12, 2026
Quarterly report 10-Q · period to March 31, 2026Diluted EPS $0.31 versus $0.28.
April 27, 2026
Shareholder vote results 8-K
April 22, 2026
Quarterly results 8-K
March 24, 2026
Form DFAN14A filing DFAN14A
March 24, 2026
Form DFRN14A filing DFRN14A

Recent insider filings (Forms 3, 4 and 144): 10, the latest on August 24, 2026. Insider transactions on SEC

Insider trades

What the people running Peoples Financial Corp did with its shares, from the Form 4 filings they must send the SEC within two business days.

Insiders bought $1.1M worth of shares on the open market in the last 90 days and sold none.

Bought (open market)

$1.1M

last 90 days

Sold

last 90 days

Net bought

49,015

$1.1M

Date	Insider	What	Shares	Price	Value	Filing
August 24, 2026	Swetman ChevisCEO/President, 10% owner	Bought	1,000	$23.25	$23.3K	Form 4
July 31, 2026	Stilwell Joseph10% owner	Boughtindirect	4,692	$22.25	$104.4K	Form 4
July 31, 2026	Stilwell Joseph10% owner	Boughtindirect	37,966	$22.25	$844.7K	Form 4
July 15, 2026	Stilwell Joseph10% owner	Boughtindirect	2,500	$21.75	$54.4K	Form 4
July 13, 2026	Stilwell Joseph10% owner	Boughtindirect	200	$21.50	$4.3K	Form 4
July 2, 2026	Stilwell Joseph10% owner	Boughtindirect	507	$21.25	$10.8K	Form 4
July 1, 2026	Stilwell Joseph10% owner	Boughtindirect	2,150	$21.25	$45.7K	Form 4
June 3, 2026	Stilwell Joseph10% owner	Boughtindirect	200	$21.25	$4.3K	Form 4
May 29, 2026	Swetman Andrew TFirst Vice President, 10% owner	Sold	2,000	$21.25	$42.5K	Form 4
May 29, 2026	Sliman George J IIIDirector	Bought	2,000	$21.25	$42.5K	Form 4
May 28, 2026	Swetman Andrew TFirst Vice President, 10% owner	Sold	1,000	$21.25	$21.3K	Form 4
May 28, 2026	Barnes Ronald GDirector	Bought	1,000	$21.25	$21.3K	Form 4

All insider filings on SEC.gov · Where insiders are buying across the market

Who owns PFBX

Three views from three kinds of SEC filings, each with its own date. They overlap and are not added up.

5% holders

Anyone who owns more than 5% of a class of shares must say so on Schedule 13D (if they may seek to influence the company) or 13G (a passive holder). The latest filing of each holder is shown: 13G filings of the last 2 years, 13D of the last 3.

Holder	Of class	Shares	Filed
Andrew Tanner Swetman13G, passive with 2 related filers	18.76%	866,078	February 9, 2026
Stilwell Value Partners VII, L.P.13D, may seek influence with 4 related filers	17.2%	795,745	August 4, 2026

Largest institutional holders

No Form 13F positions imported for this company yet.

Insiders

Reported holdings of insiders who filed a Form 4 in the last 12 months: the shares each one held after their latest reported transaction. This is not the total held by all insiders.

4 insiders reported holding 1,041,667 shares in total, about $25M at the last price.

Holder	Shares	As of
Stilwell Joseph10% owner	517,788517,788 held indirectly	July 31, 2026
Swetman Andrew TFirst Vice President, 10% owner	515,184	May 29, 2026
Sliman George J IIIDirector	5,000	May 29, 2026
Barnes Ronald GDirector	3,695	May 28, 2026

Schedule 13D/13G filings on SEC.gov

All filings on SEC EDGAR

Questions about PFBX

What does Peoples Financial Corp do?

Peoples Financial Corp is registered with the SEC under industry code SIC 6022 (State Commercial Banks). Its shares trade on OTC under the ticker PFBX.

Is Peoples Financial Corp profitable?

Yes. Over the twelve months to June 30, 2026 it reported net income of $3.7M.

When did Peoples Financial Corp last report?

Its most recent periodic report is the quarterly report (10-Q) filed on August 14, 2026. It covers the period to June 30, 2026. Its newest filing of any kind is the insider trade from August 24, 2026.

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Where the numbers come from

Financial figures are the values Peoples Financial Corp tagged in its own SEC filings (XBRL), taken from the latest filing for each period, so restatements replace older figures. Revenue, profit and cash flow are for full fiscal years unless marked as the last twelve months, which is the sum of the four most recent quarters. Where a company reports only the full year, the fourth quarter is the year minus the first three.

Prices are delayed end-of-day market data in the listing currency, and market cap moves with the price. P/E is shown only when earnings per share are positive. Nothing here is investment advice.