Company research
PEOPLES FINANCIAL CORP /MS/
CIK 770460Updated Sep 27, 2026
SecurityPFBX · OTC · equity
Name history
PEOPLES FINANCIAL CORP · through Feb 12, 1998
PFBX price & chart
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Recent filings
4 filing
10-Q filing
SCHEDULE 13D/A filing
Results of Operations and Financial Condition
Items 2.02, 9.01
11-K filing
Show 5 more recent filings
4 filing
Results of Operations and Financial Condition
Items 2.02, 9.01
10-Q filing
Submission of Matters to a Vote of Security Holders
Items 5.07
Results of Operations and Financial Condition
Items 2.02, 9.01
Financials
FY 2025 · USDSource
Source
Source
balance sheet · annual statements
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|
| ASSETS | ||||
| AssetsUSD | 727,121,000Source | 831,849,000Source | 797,738,000Source | 861,639,000Source |
| Property, Plant and Equipment, NetUSD | 17,387,000Source | 18,712,000Source | 19,470,000Source | 18,499,000Source |
| Intangible Assets, Net (Excluding Goodwill)USD | 414,000Source | 476,000Source | 538,000Source | 600,000Source |
| LIABILITIES AND EQUITY | ||||
| LiabilitiesUSD | 626,454,000Source | 741,848,000Source | 728,455,000Source | 806,445,000Source |
| Stockholders’ equity: | ||||
| Common Stock, Value, IssuedUSD | 4,617,000Source | 4,617,000Source | 4,662,000Source | 4,678,000Source |
| Retained Earnings (Accumulated Deficit)USD | 58,740,000Source | 56,491,000Source | 37,574,000Source | 31,154,000Source |
| Accumulated Other Comprehensive Income (Loss), Net of TaxUSD | -28,470,000Source | -36,887,000Source | -38,733,000Source | -46,418,000Source |
| Stockholders' Equity Attributable to ParentUSD | 100,667,000Source | 90,001,000Source | 69,283,000Source | 55,194,000Source |
| Additional Paid in Capital, Common StockUSD | 65,780,000Source | 65,780,000Source | 65,780,000Source | 65,780,000Source |
| Liabilities and EquityUSD | 727,121,000Source | 831,849,000Source | 797,738,000Source | 861,639,000Source |
| Additional Financial Items | ||||
| Deferred Tax Liabilities, NetUSD | 2,123,000Source | 2,566,000Source | 2,164,000Source | 2,345,000Source |
cash flow · annual statements
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|
| Cash flows from operating activities: | ||||
| Net Income (Loss), Including Portion Attributable to Noncontrolling InterestUSD | 3,911,000Source | — | — | — |
| Adjustments to reconcile net income to net cash provided by operating activities: | ||||
| Depreciation and amortization | — | — | — | — |
| Deferred Income Tax Expense (Benefit)USD | 61,000Source | -13,760,000Source | 1,711,000Source | -2,446,000Source |
| Net Cash Provided by (Used in) Operating ActivitiesUSD | 4,503,000Source | 6,034,000Source | 9,051,000Source | 7,908,000Source |
| Cash flows from investing activities: | ||||
| Net Cash Provided by (Used in) Investing ActivitiesUSD | 24,497,000Source | 68,007,000Source | 62,378,000Source | -104,227,000Source |
| Payments to Acquire Property, Plant, and EquipmentUSD | 302,000Source | — | — | — |
| Cash flows from financing activities: | ||||
| Payments for Repurchase of Common StockUSD | — | 792,000Source | 208,000Source | — |
| Net Cash Provided by (Used in) Financing ActivitiesUSD | -117,163,000Source | 10,909,000Source | -81,471,000Source | 79,164,000Source |
| Payments of Ordinary Dividends, Common StockUSD | 1,662,000Source | 2,039,000Source | 2,473,000Source | 889,000Source |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate EffectUSD | -88,163,000Source | 84,950,000Source | -10,042,000Source | -17,155,000Source |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash EquivalentsUSD | 19,581,000Source | 107,744,000Source | 22,794,000Source | 32,836,000Source |
| Supplemental disclosure of cash flow information: | ||||
| Interest Paid, Excluding Capitalized Interest, Operating ActivitiesUSD | 8,174,887Source | 9,601,972Source | 6,133,216Source | 2,156,429Source |
| Income Taxes Paid, NetUSD | — | 835,000Source | 495,000Source | 0Source |
| Additional Financial Items | ||||
| Amortization of Intangible AssetsUSD | 62,000Source | 62,000Source | 62,000Source | 21,000Source |
| Bank Owned Life Insurance IncomeUSD | 558,000Source | 532,000Source | 485,000Source | 445,000Source |
| Debt and Equity Securities, Gain (Loss)USD | — | — | 0Source | — |
| DepreciationUSD | 1,626,000Source | 1,678,000Source | 1,551,000Source | 1,664,000Source |
| Equipment ExpenseUSD | 2,943,000Source | 3,003,000Source | 2,774,000Source | 2,905,000Source |
| FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversalUSD | 19,000Source | -200,000Source | — | — |
| Gain (Loss) on Disposition of Property Plant EquipmentUSD | 0Source | 9,000Source | 30,000Source | — |
| Income Tax Expense (Benefit)USD | 900,000Source | -13,323,000Source | 2,121,000Source | -2,431,000Source |
| Net Income (Loss) Attributable to ParentUSD | 3,911,000Source | 21,703,000Source | 9,166,000Source | 8,941,000Source |
| Proceeds from Maturities, Prepayments and Calls of Debt Securities, Available-for-saleUSD | 141,690,000Source | 198,497,000Source | 54,123,000Source | 89,879,000Source |
| Financing Receivable, Credit Loss, Expense (Reversal)USD | 3,000Source | -162,000Source | -272,000Source | 80,000Source |
income statement · annual statements
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|
| Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling InterestUSD | 4,811,000Source | 8,380,000Source | 11,287,000Source | 6,510,000Source |
| Income Tax Expense (Benefit)USD | 900,000Source | -13,323,000Source | 2,121,000Source | -2,431,000Source |
| Net Income (Loss) Attributable to ParentUSD | 3,911,000Source | 21,703,000Source | 9,166,000Source | 8,941,000Source |
| Earnings Per Share, BasicUSD per share | 0.85Source | 4.66Source | 1.96Source | 1.91Source |
| Earnings Per Share, DilutedUSD per share | 0.85Source | 4.66Source | — | — |
| Weighted Average Number of Shares Outstanding, Basicshares | 4,617,466Source | 4,656,370Source | 4,675,067Source | 4,678,186Source |
| Weighted Average Number of Shares Outstanding, Dilutedshares | 4,617,466Source | — | — | — |
| Additional Financial Items | ||||
| Amortization of Intangible AssetsUSD | 62,000Source | 62,000Source | 62,000Source | 21,000Source |
| Bank Owned Life Insurance IncomeUSD | 558,000Source | 532,000Source | 485,000Source | 445,000Source |
| Common Stock, Dividends, Per Share, DeclaredUSD per share | 0.36Source | 0.44Source | 0.53Source | 0.19Source |
| Current Income Tax Expense (Benefit)USD | 839,000Source | 437,000Source | 410,000Source | 15,000Source |
| Debt and Equity Securities, Gain (Loss)USD | — | — | 0Source | — |
| Depreciation, Depletion and Amortization, NonproductionUSD | 1,626,000Source | 1,678,000Source | 1,551,000Source | — |
| Equipment ExpenseUSD | 2,943,000Source | 3,003,000Source | 2,774,000Source | 2,905,000Source |
| FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversalUSD | 19,000Source | -200,000Source | — | — |
| Interest and Other IncomeUSD | 28,502,000Source | 33,094,000Source | 32,629,000Source | 23,708,000Source |
| Interest ExpenseUSD | — | — | 6,155,000Source | 2,158,000Source |
| InterestExpenseOperatingUSD | 8,147,000Source | 9,643,000Source | — | — |
| Interest Income (Expense), NetUSD | 20,355,000Source | 23,451,000Source | 26,474,000Source | 21,550,000Source |
| Labor and Related ExpenseUSD | 10,747,000Source | 10,499,000Source | 11,144,000Source | 11,341,000Source |
| Other ExpensesUSD | 2,023,000Source | 1,837,000Source | 1,897,000Source | 1,564,000Source |
Filing attachments
pfbx-20260722xex99d1.htm · 8-K · 2026-07-22
EX-99.1 2 pfbx-20260722xex99d1.htm EX-99.1 Exhibit 99.1 FOR IMMEDIATE RELEASE For more information, contact: Chevis C. Swetman, President and CEO 228-435-8205 cswetman@thepeoples.com PEOPLES FINANCIAL CORPORATION REPORTS RESULTS FOR THE SECOND QUARTER OF 2026 BILOXI, MS (July 22, 2026) - Peoples Financial Corporation (the “Company”)(OTCQX Best Market: PFBX), parent of The Peoples Bank (the “Bank”), announced earnings for the second quarter ending June 30, 2026. Second Quarter Earning…
Read attachment ↗pfbx-20260527xex99d1.htm · 8-K · 2026-05-27
EX-99.1 2 pfbx-20260527xex99d1.htm EX-99.1 Exhibit 99.1 FOR IMMEDIATE RELEASE For more information, contact: Chevis C. Swetman, President and CEO 228-435-8205 cswetman@thepeoples.com PEOPLES FINANCIAL CORPORATION ANNOUNCES A REGULAR CASH DIVIDEND BILOXI, MS (May 27, 2026) - Peoples Financial Corporation (the “Company”)(OTCQX Best Market: PFBX), parent of The Peoples Bank (the “Bank”), announced the declaration of a regular semi-annual cash dividend of $0.18 per common share payable on…
Read attachment ↗pfbx-20260422xex99d1.htm · 8-K · 2026-04-22
EX-99.1 2 pfbx-20260422xex99d1.htm EX-99.1 Exhibit 99.1 FOR IMMEDIATE RELEASE For more information, contact: Chevis C. Swetman, President and CEO 228-435-8205 cswetman@thepeoples.com PEOPLES FINANCIAL CORPORATION REPORTS RESULTS FOR THE FIRST QUARTER OF 2026 BILOXI, MS (April 22, 2026) - Peoples Financial Corporation (the “Company”)(OTCQX Best Market: PFBX), parent of The Peoples Bank (the “Bank”), announced earnings for the first quarter ending March 31, 2026. First Quarter Earnings…
Read attachment ↗pfbx-20260128xex99d1.htm · 8-K · 2026-01-29
EX-99.1 2 pfbx-20260128xex99d1.htm EX-99.1 Exhibit 99.1 FOR IMMEDIATE RELEASE For more information, contact: Chevis C. Swetman, President and CEO 228-435-8205 cswetman@thepeoples.com PEOPLES FINANCIAL CORPORATION REPORTS RESULTS FOR THE FOURTH QUARTER OF 2025 BILOXI, MS (January 29, 2026) - Peoples Financial Corporation (the “Company”) (OTCQX Best Market: PFBX), parent of The Peoples Bank (the “Bank”), announced earnings for the fourth quarter ending December 31, 2025. Additionally, t…
Read attachment ↗pfbx-20251022xex99d1.htm · 8-K · 2025-10-22
EX-99.1 2 pfbx-20251022xex99d1.htm EX-99.1 Exhibit 99.1 FOR IMMEDIATE RELEASE For more information, contact: Chevis C. Swetman, President and CEO 228-435-8205 cswetman@thepeoples.com PEOPLES FINANCIAL CORPORATION REPORTS RESULTS FOR THE THIRD QUARTER OF 2025 BILOXI, MS (October 22, 2025) - Peoples Financial Corporation (the “Company”)(OTCQX Best Market: PFBX), parent of The Peoples Bank (the “Bank”), announced earnings for the third quarter ending September 30, 2025. Third Quarter Ea…
Read attachment ↗pfbx-20250723xex99d1.htm · 8-K · 2025-07-23
EX-99.1 2 pfbx-20250723xex99d1.htm EX-99.1 Exhibit 99.1 FOR IMMEDIATE RELEASE For more information, contact: Chevis C. Swetman, President and CEO 228-435-8205 cswetman@thepeoples.com PEOPLES FINANCIAL CORPORATION REPORTS RESULTS FOR THE SECOND QUARTER OF 2025 BILOXI, MS (July 23, 2025) - Peoples Financial Corporation (the “Company”)(OTCQX Best Market: PFBX), parent of The Peoples Bank (the “Bank”), announced earnings for the second quarter ending June 30, 2025. Second Quarter Earning…
Read attachment ↗