PFBX PEOPLES FINANCIAL CORP /MS/
Price Chart
Executive Summary
Two insiders at Peoples Financial Corp — a director and a 10% owner — collectively purchased $58K worth of PFBX at $21.25/share over a 3-day period ending May 28, 2026. The buys coincide closely with the company's May 27 dividend declaration of $0.18/shr (semi-annual), a routine capital event that does not change the business outlook. The $58K cluster represents roughly 0.02% of a ~$326M market cap, well below the 0.1% threshold for materiality, and follows a historical pattern on this ticker where prior cluster/earnings reports produced negative alpha at T+20.
Key Financial Metrics
Actionable Insight
The insider buys are too small in dollar terms to be economically meaningful for a bank of this size. The cluster lands inside a dividend declaration window, which may explain the timing (insiders buying the dividend record date). No change to the fundamental thesis; continue monitoring for any material insider purchases >0.1% of market cap before reassessing.
Key Facts
- Two open-market purchases totalling ~$58K at $21.25/shr on May 26 and May 28, 2026
- Director Ronald Barnes bought 1,000 shares ($21K); 10% Owner Joseph Stilwell bought 1,717 shares ($36K)
- Represents ~0.02% of market cap — trivial relative to company size
- One day earlier, the company declared a routine semi-annual $0.18 dividend (payable June 11)
- Historical model performance on PFBX shows negative alpha at T+20, with a 29% T+20 win rate across 7 prior reports
Financial Impact
Insider cluster of $58K, immaterial vs. company's market capitalization
Risk Factors
- Insider buying by a 10% owner (Stilwell) could signal concentrated accumulation, but $36K is noise-level
- The stock trades OTC with low liquidity — small trades can move the stock but reveal no fundamental edge
Market Snapshot
Documents Analyzed
This report is based on 1 SEC document filed with EDGAR.
| Document | Accession Number |
|---|---|
| CLUSTER Data (Synthetic) | cluster-PFBX-1779993630841 |
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
|
Jun 4, 2026
5d ago
|
Insider Cluster
| $21.25 $21.25 | · 0.00% | ▲ +2.60% | $21.26 (+0.05%) |
|
May 29, 2026
11d ago
|
Insider Cluster
| $21.25 $21.55 | ▲ +1.41% | ▲ +1.15% | $21.26 (+0.05%) |
|
May 28, 2026
12d ago
|
Insider Cluster
| $21.25 $21.25 | · 0.00% | ▼ −0.24% | $21.26 (+0.05%) |
|
May 28, 2026
12d ago
|
Insider Cluster
| $21.25 $21.25 | · 0.00% | ▼ −0.24% | $21.26 (+0.05%) |
|
May 27, 2026
13d ago
|
8-K
| $21.25 $21.25 | · 0.00% | ▼ −0.24% | $21.26 (+0.05%) |
|
Apr 29, 2026
6w ago
|
Insider Cluster
| $21.50 $21.35 | ▼ −0.70% | ▼ −1.72% | $21.26 (−1.12%) |
|
Apr 27, 2026
6w ago
|
Insider Cluster
| $21.50 $21.50 | · 0.00% | ▲ +0.49% | $21.26 (−1.12%) |
|
Apr 24, 2026
6w ago
|
Insider Cluster
| $21.50 $21.50 | · 0.00% | ▼ −0.16% | $21.26 (−1.12%) |
|
Apr 24, 2026
6w ago
|
Insider Cluster
| $21.50 $21.50 | · 0.00% | ▲ +0.01% | $21.26 (−1.12%) |
|
Apr 24, 2026
6w ago
|
Insider Cluster
| $21.50 $21.50 | · 0.00% | ▲ +0.49% | $21.26 (−1.12%) |
US Market Status
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