PFBX
Peoples Financial Corporation
OTC Markets OTCQXUSDEQUITY
Financial Services
DELAYED
Buy
+43/100
Last price
24.10
▼ 0.44 (1.79%)
MARKET · —
Price
Chart style
Interval
Intraday intervals only cover recent history. The site picks the finest interval the range allows.
Overlays
Session levels
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Both series are rebased to 0% at the left edge, so the lines show relative performance rather than price.
Tool
1D
—
H —
L —
Range —
Vol —
vs
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Open
23.40
Prev close
24.54
Day high
24.10
Day low
23.40
Volume
411
Market cap
$111.28M
P/E (TTM)
29.75
52W range
20.20 – 24.54
Day trading desk
Gap from prior close
-2.70%
Prior close 24.05
VWAP
24.10
0.00% from price
Relative volume
0.19×
Quiet session
Session range
2.99%
23.40 – 24.10
Position in range
100%
Near session high
ATR (14D)
0.12
0.51% of price
Prior day high
24.05
PDH
Prior day low
24.05
PDL
Bid / ask spread
—
Quote not published
Session volume
283
Avg 1.48K
VWAP and the session figures are computed from the delayed intraday series on this page, so they lag the live tape and will not match a broker's real-time VWAP exactly. Turn on Prior day H/L/C, Opening range and Volume profile in the chart's Studies menu to see these levels drawn on price.
Trailing performance
Returnvs SPY
1W
-1.79%
-3.7%
1M
-0.82%
-2.3%
3M
+13.04%
+9.6%
6M
+14.71%
-0.3%
YTD
+18.37%
+4.4%
1Y
+14.22%
-1.5%
3Y
+96.73%
+14.8%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Free account
5 more panels on PFBX open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Insider net activity
Net shares
+59.11K
Net buying
Buy transactions
17
66.11K shares
Sell transactions
3
7.00K shares
Net transactions
+20
Buys less sells
Sell : buy shares
0.1 : 1
Mixed
Insider-held shares
1.85M
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Aug 24, 26 | SWETMAN CHEVIS C Chief Executive Officer |
BUY | 1.00K | $23.25K | Direct |
| Jul 31, 26 | STILWELL JOSEPH D Beneficial Owner of more than 10% of a Class of Security |
BUY | 42.66K | $949.09K | Indirect |
| Jul 15, 26 | STILWELL JOSEPH D Beneficial Owner of more than 10% of a Class of Security |
BUY | 2.50K | $54.38K | Indirect |
| Jul 13, 26 | STILWELL JOSEPH D Beneficial Owner of more than 10% of a Class of Security |
BUY | 200 | $4.30K | Indirect |
| Jul 2, 26 | STILWELL JOSEPH D Beneficial Owner of more than 10% of a Class of Security |
BUY | 2.66K | $56.46K | Indirect |
| Jun 3, 26 | STILWELL JOSEPH D Beneficial Owner of more than 10% of a Class of Security |
BUY | 200 | $4.25K | Indirect |
| May 29, 26 | SWETMAN ANDREW TANNER Officer and Beneficial Owner of more than 10% of a Class of Security |
SELL | 2.00K | $42.50K | Direct |
| May 28, 26 | BARNES RONALD G Director |
BUY | 1.00K | $21.25K | Direct |
| May 28, 26 | SWETMAN ANDREW TANNER Officer and Beneficial Owner of more than 10% of a Class of Security |
SELL | 1.00K | $21.25K | Direct |
| May 26, 26 | STILWELL JOSEPH D Beneficial Owner of more than 10% of a Class of Security |
BUY | 1.72K | $36.49K | Indirect |
| May 18, 26 | STILWELL JOSEPH D Beneficial Owner of more than 10% of a Class of Security |
BUY | 999 | $21.23K | Indirect |
| May 12, 26 | STILWELL JOSEPH D Beneficial Owner of more than 10% of a Class of Security |
BUY | 500 | $10.63K | Indirect |
| May 11, 26 | STILWELL JOSEPH D Beneficial Owner of more than 10% of a Class of Security |
BUY | 789 | $16.77K | Indirect |
| May 8, 26 | STILWELL JOSEPH D Beneficial Owner of more than 10% of a Class of Security |
BUY | 2.21K | $47.01K | Indirect |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
BARNES RONALD G |
Director | 3.69K | Purchase |
DENNIS PADRICK D |
Director | 21.19K | Purchase |
FULMER A WES |
Officer | 11.32K | Purchase |
STILWELL JOSEPH D |
Beneficial Owner of more than 10% of a Class of Security | — | Purchase |
SWETMAN ANDREW TANNER |
Officer and Beneficial Owner of more than 10% of a Class of Security | 515.18K | Sale |
SWETMAN CHEVIS C |
Chief Executive Officer | 428.71K | Purchase |
Fundamentals
Market cap$111.28M
Enterprise value$125.50M
Revenue (TTM)$27.25M
Gross profit$27.25M
EBITDA—
Net income$3.70M
EPS (TTM)$0.81
Free cash flow—
Total cash$24.05M
Total debt$38.50M
Book value / share$22.03
Shares outstanding4.62M
Float1.62M
Short % of float0.07%
Dividend yield1.50%
Beta (5Y)0.17
Valuation & profitability ratios
Trailing P/E29.75
Forward P/E—
PEG ratio—
Price / sales—
Price / book1.09
EV / revenue4.61
EV / EBITDA—
Gross margin0.00%
Operating margin16.31%
Profit margin13.58%
Return on equity3.74%
Return on assets0.48%
Debt / equity—
Current ratio—
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Total revenue | $26.89M | $29.81M | $32.74M | $27.94M | -9.8% |
| Operating revenue | $26.89M | $29.81M | $32.74M | $27.94M | -9.8% |
| Selling, general & admin | $11.50M | $11.30M | $12.02M | $12.15M | +1.7% |
| Pre-tax income | $4.81M | $8.38M | $11.29M | $6.51M | -42.6% |
| Tax provision | $900.00K | -$13.32M | $2.12M | -$2.43M | +106.8% |
| Net income | $3.91M | $21.70M | $9.17M | $8.94M | -82.0% |
| Net income to common | $3.91M | $21.70M | $9.17M | $8.94M | -82.0% |
| Basic EPS | 0.85 | 4.66 | 1.96 | 1.91 | -81.8% |
| Diluted EPS | 0.85 | 4.66 | 1.96 | 1.91 | -81.8% |
| Basic shares | 4.62M | 4.66M | 4.68M | 4.68M | -0.8% |
| Diluted shares | 4.62M | 4.66M | 4.68M | 4.68M | -0.8% |
| Line item | 2025 | 2024 | 2023 | 2022 | 2021 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $19.58M | $107.74M | $22.79M | $32.84M | — | -81.8% |
| Accounts receivable | $3.06M | $3.52M | $3.52M | $3.27M | — | -13.0% |
| Property, plant & equipment | $17.39M | $18.71M | $19.47M | $18.50M | — | -7.1% |
| Goodwill & intangibles | $414.00K | $476.00K | $538.00K | $600.00K | — | -13.0% |
| Total assets | $727.12M | $831.85M | $797.74M | $861.64M | — | -12.6% |
| Long-term debt | $800.00K | — | $18.50M | — | $889.00K | — |
| Total debt | $800.00K | — | $18.50M | — | $889.00K | — |
| Total liabilities | $626.45M | $741.85M | $728.46M | $806.45M | — | -15.6% |
| Retained earnings | $58.74M | $56.49M | $37.57M | $31.15M | — | +4.0% |
| Shareholder equity | $100.67M | $90.00M | $69.28M | $55.19M | — | +11.9% |
| Net tangible assets | $100.25M | $89.53M | $68.75M | $54.59M | — | +12.0% |
| Shares issued | 4.62M | 4.62M | 4.66M | 4.68M | — | 0.0% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Net income | $3.91M | $21.70M | $9.17M | $8.94M | -82.0% |
| Depreciation & amortisation | $1.69M | $1.74M | $1.61M | $1.69M | -3.0% |
| Change in working capital | $240.00K | -$15.17M | $1.29M | -$2.48M | +101.6% |
| Operating cash flow | $4.50M | $6.03M | $9.05M | $7.91M | -25.4% |
| Capital expenditure | -$302.00K | -$977.00K | -$2.54M | -$2.17M | +69.1% |
| Investing cash flow | $24.50M | $68.01M | $62.38M | -$104.23M | -64.0% |
| Share buybacks | $0 | -$792.00K | -$208.00K | $0 | +100.0% |
| Dividends paid | -$1.66M | -$2.04M | -$2.47M | -$889.00K | +18.5% |
| Financing cash flow | -$117.16M | $10.91M | -$81.47M | $79.16M | -1,174.0% |
| Free cash flow | $4.20M | $5.06M | $6.51M | $5.74M | -16.9% |
| End cash position | $19.58M | $107.74M | $22.79M | $32.84M | -81.8% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | YoY |
|---|---|---|---|---|---|---|---|
| Total revenue | $6.55M | $7.18M | $6.70M | $6.11M | $7.00M | — | -8.7% |
| Operating revenue | $6.55M | $7.18M | $6.70M | $6.11M | $7.00M | — | -8.7% |
| Selling, general & admin | $2.89M | $2.76M | $2.94M | $2.91M | $2.83M | — | +4.7% |
| Pre-tax income | $1.01M | $1.85M | $853.00K | $786.00K | $1.49M | — | -45.1% |
| Tax provision | $117.00K | $402.00K | $137.00K | $143.00K | $245.00K | — | -70.9% |
| Net income | $897.00K | $1.45M | $716.00K | $643.00K | $1.24M | — | -38.0% |
| Net income to common | $897.00K | $1.45M | $716.00K | $643.00K | $1.24M | — | -38.0% |
| Basic EPS | 0.19 | 0.31 | 0.16 | — | 0.27 | 0.28 | -38.7% |
| Diluted EPS | 0.19 | 0.31 | 0.16 | — | 0.27 | 0.28 | -38.7% |
| Basic shares | 4.62M | 4.62M | 4.62M | 4.62M | 4.62M | — | 0.0% |
| Diluted shares | 4.62M | 4.62M | 4.62M | 4.62M | 4.62M | — | 0.0% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $24.05M | $57.39M | $19.58M | $41.90M | $18.38M | -58.1% |
| Accounts receivable | $2.98M | $3.02M | $3.06M | $3.12M | $3.40M | -1.3% |
| Property, plant & equipment | $16.80M | $17.21M | $17.39M | $17.77M | $18.11M | -2.4% |
| Goodwill & intangibles | $383.00K | $398.00K | $414.00K | $429.00K | $445.00K | -3.8% |
| Total assets | $771.02M | $788.26M | $727.12M | $758.07M | $761.34M | -2.2% |
| Long-term debt | $38.50M | — | $800.00K | — | — | — |
| Total debt | $38.50M | — | $800.00K | — | — | — |
| Total liabilities | $669.32M | $686.87M | $626.45M | $658.06M | $664.83M | -2.6% |
| Retained earnings | $60.25M | $60.19M | $58.74M | $58.85M | $58.21M | +0.1% |
| Shareholder equity | $101.71M | $101.39M | $100.67M | $100.01M | $96.51M | +0.3% |
| Net tangible assets | $101.33M | $101.00M | $100.25M | $99.58M | $96.06M | +0.3% |
| Shares issued | 4.62M | 4.62M | 4.62M | 4.62M | 4.62M | 0.0% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Net income | $897.00K | $1.45M | $716.00K | $643.00K | $1.24M | -38.0% |
| Depreciation & amortisation | $426.00K | $418.00K | $413.00K | $408.00K | $431.00K | +1.9% |
| Change in working capital | -$92.00K | -$360.00K | $349.00K | $344.00K | -$198.00K | +74.4% |
| Operating cash flow | $717.00K | $1.27M | $1.47M | $985.00K | $858.00K | -43.4% |
| Capital expenditure | -$182.00K | -$230.00K | -$21.00K | -$48.00K | -$214.00K | +20.9% |
| Investing cash flow | -$15.30M | -$24.42M | $9.39M | $29.27M | $30.60M | +37.3% |
| Dividends paid | — | — | -$831.00K | $0 | — | — |
| Financing cash flow | -$18.74M | $60.96M | -$33.18M | -$6.74M | -$108.51M | -130.7% |
| Free cash flow | $535.00K | $1.04M | $1.45M | $937.00K | $644.00K | -48.4% |
| End cash position | $24.05M | $57.39M | $19.58M | $41.90M | $18.38M | -58.1% |
Options analytics
Put / call volume
—
—
Put / call open interest
—
Positioning, not flow
Max pain
—
—
ATM implied vol
—
Nearest strike to spot
Skew (10% OTM)
—
—
Call volume
0
Contracts, this expiry
Put volume
0
Contracts, this expiry
Heaviest call OI
—
—
Heaviest put OI
—
—
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Earnings
Reported vs expected · EPS
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Mar 2018 | — | 0.06 | — |
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | — | — | $0 | — |
| Next quarter | — | — | $0 | — |
| Current year | — | — | $0 | — |
| Next year | — | — | $0 | — |
Analyst targets & ownership
Mean target—
High target—
Low target—
Implied upside—
Analyst count—
ConsensusNONE
Strong buy / Buy— / —
Hold—
Sell / Strong sell— / —
Held by insiders39.99%
Held by institutions27.30%
Institutions holding3
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
24.14
-0.16% from price
SMA 20
24.10
+0.00% from price
SMA 50
23.54
+2.37% from price
SMA 100
22.71
+6.10% from price
SMA 200
21.83
+10.41% from price
EMA 12
24.10
-0.01% from price
EMA 26
23.96
+0.60% from price
EMA 50
23.58
+2.20% from price
RSI (14)
54.9
Neutral
MACD (12,26,9)
0.15
Hist -0.05
ATR (14)
0.12
0.51% of price
Realised vol 30D
25.0%
Annualised
Bollinger upper
24.44
20, 2σ
Bollinger lower
23.76
20, 2σ
50 / 200 cross
Golden
23.54 vs 21.83
Trend bias
Above 200
+10.41%
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Risk profile
Beta vs SPY
0.22
Less volatile than market
Correlation to SPY
0.12
Largely independent
Realised vol 30D
25.0%
Annualised
Market vol 1Y
13.0%
SPY, annualised
Max drawdown 1Y
-9.6%
Peak to trough
Max drawdown 5Y
-34.9%
Peak to trough
ATR 14
0.12
0.51% of price
Beta (reported)
0.17
5Y monthly, from filing
Short interest
Shares short
2.55K
Prior 1.93K
Change vs prior
+32.1%
Shorts adding
% of float
0.07%
Normal
% of shares out
0.05%
Against total outstanding
Days to cover
0.3
Liquid
Float
1.62M
Freely tradeable shares
Exchanges publish short interest twice a month with a settlement lag, so this is roughly two weeks behind. Days to cover divides shares short by average daily volume — it estimates how long covering would take, not whether it will happen.
Rating changes
| Date | Firm | Action | From | To |
|---|---|---|---|---|
| Oct 26, 12 | FIG Partners | UPGRADE | Market Perform | Outperform |
Dividends & splits
Forward rate$0.36 / yr
Forward yield1.50%
5-year avg yield1.30%
Payout ratio44.44%
Ex-dividend dateJun 5, 2026
Next pay dateJun 11, 2026
Last split2:1
Split dateApr 19, 2000
SEC filings
Periodic Financial Reports
10-Q · 2026-08-14
Corporate Changes & Voting Matters
8-K · 2026-07-22
Annual report of employee stock purchase
11-K · 2026-06-16
Corporate Changes & Voting Matters
8-K · 2026-05-27
Periodic Financial Reports
10-Q · 2026-05-12
Corporate Changes & Voting Matters
8-K · 2026-04-27
Corporate Changes & Voting Matters
8-K · 2026-04-22
Proxy Statements
DEFC14A · 2026-03-18
Headlines
PRIVATE STRATEGY · BY QUALIFICATION
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