23.76
+0.17%
Close of 9 Nov 2026, in USD
Search any instrument
Reference data, closing prices and charts across 45,000 companies, plus crypto, commodities and currencies.
About Peoples Financial
From its filings with the US Securities and Exchange Commission
Peoples Financial is based in Biloxi, Mississippi and is incorporated in Mississippi. Its shares trade on OTC under the ticker PFBX. The SEC classifies its business as state commercial banks. In the fiscal year to 31 December 2025, it reported net income of $3.9m. At that date it held total assets of $727.1m and shareholders' equity of $100.7m.
Peoples Financial Corporation (the “Company”) is a corporation that was organized as a one bank holding company in 1985. The Company is headquartered in Biloxi, Mississippi. At December 31, 2025, the Company operated in the state of Mississippi through its wholly owned subsidiary, The Peoples Bank, Biloxi, Mississippi (the “Bank”). The Company is engaged, through this subsidiary, in the banking business. The Bank is the Company’s principal asset and primary source of revenue.
The main office, operations center and asset management and trust services of the Bank are located in downtown Biloxi, MS. At December 31, 2025, the Bank also had 17 branches located throughout Harrison, Hancock, Jackson and Stone Counties. The Bank has automated teller machines (“ATM”) at its main office, all branch locations and at one non-proprietary location.
The Company’s wholly-owned bank subsidiary was originally chartered in 1896 in Biloxi, Mississippi, as The Peoples Bank of Biloxi. The Bank is a state chartered bank whose deposits are insured under the Federal Deposit Insurance Act. The Bank is not a member of the Federal Reserve System. The legal name of the Bank was changed to The Peoples Bank, Biloxi, Mississippi, during 1991.
Quoted from its 10-K, filed 18 Mar 2026. Read the filing on SEC.gov ↗
Company facts
- Sector
- Financials
- Industry
- Banks
- Listed since
- 10 May 2000
- Employees
- 130
- Head office
- 152 LAMEUSE STREET, BILOXI, MS, 39530
- Incorporated in
- MS
- Classification
- State Commercial Banks
- Filer status
- Non-accelerated filer<br>Smaller reporting company
Leadership
Pay as last reported
- Mr. Chevis SwetmanChairman of the Board, President, Chief Executive Officer, since 1984$293,100
- Ms. Leslie FultonChief Financial Officer, Controller
- Mr. A. Wes FulmerExecutive Vice President$181,705
- Ms. Christy IrelandVice President, Company Secretary
- Mr. A. Tanner SwetmanSecond Vice President
- Mr. J. Patrick WildFirst Vice President$174,112
- Mr. Ronald BarnesDirector
- Mr. Padrick DennisDirector
- Mr. Paige RileyDirector
- Mr. George SlimanDirector
- Mr. Jeffrey O'KeefeIndependent Director
Environmental, social and governance
Scores out of 100, from our data supplier
- Overall
- 0
- Environment
- 0
- Social
- 0
- Governance
- 0
SWOT analysis
AI-generated by our data supplier. Not written or checked by our editors.
Strengths
- Established Reputation: Peoples Financial Corp enjoys a strong and respected brand name in the financial industry, which promotes trust and attracts clients.
- Wide Range of Products and Services: The company offers a diverse portfolio of financial products and services, including banking, insurance, investment, and wealth management, allowing it to cater to various customer needs.
- Strong Financial Position: Peoples Financial Corp boasts robust financials, with healthy profitability, low debt levels, and a stable cash flow, enabling it to withstand economic fluctuations.
Weaknesses
- Limited Geographic Presence: The company's operations are primarily concentrated in a specific region, which restricts its market share and potential customer base compared to national or international competitors.
- Dependence on Interest Rates: As a significant portion of its revenue is generated through interest income, Peoples Financial Corp becomes vulnerable to fluctuations in interest rates and may experience reduced earnings during periods of low rates.
- Relatively Small Scale: Compared to larger financial institutions, Peoples Financial Corp may face challenges in terms of economies of scale, limiting its ability to negotiate favorable terms with suppliers or invest in cutting-edge technologies.
Opportunities
- Market Expansion: By exploring new geographic regions or potential mergers/acquisitions with smaller local banks, Peoples Financial Corp can increase its market reach and diversify its customer base.
- Technological Advancements: Leveraging emerging technologies such as AI, digital banking, and mobile apps can facilitate process automation, enhance customer experience, and improve operational efficiency.
- Growing Demand for Sustainable Investments: As customers show increasing interest in environmental and socially responsible investments, Peoples Financial Corp has the opportunity to develop and offer products that align with these preferences, attracting new clients.
Threats
- Intense Competition: The financial services industry is highly competitive, with both traditional banks and disruptive fintech startups vying for market share. Peoples Financial Corp must continue to innovate and differentiate to withstand and overcome this fierce competition.
- Regulatory Environment: Changing regulations and compliance requirements pose a threat to the operations of Peoples Financial Corp, as non-compliance or inability to adapt may result in financial penalties or reputational damage.
- Economic Volatility: Fluctuations in economic conditions, such as recessions or financial crises, can impact the financial industry, leading to reduced consumer confidence, lower investments, and potential credit defaults, which may negatively affect the performance of Peoples Financial Corp.
Sources and methodology
- Data on this tab
- Our data supplier
- Chart on the Overview
- TradingView
Nothing here is investment advice. Prices can be delayed or wrong, so check with the exchange before relying on them. Data for this page. How we cover markets.