PFBX / Peoples Financial Corporation - Документы SEC, Годовой отчет, Доверенное заявление

Народная финансовая корпорация
US ˙ OTCPK ˙ US71103B1026

Основная статистика
CIK 770460
SEC Filings
All companies that sell securities in the United States must register with the Securities and Exchange Commission (SEC) and file reports on a regular basis. These reports include company annual reports (10K, 10Q), news updates (8K), investor presentations (found in 8Ks), insider trades (form 4), ownership reports (13D, and 13G), and reports related to the specific securities sold, such as registration statements and prospectus. This page shows recent SEC filings related to Peoples Financial Corporation
SEC Filings (Chronological Order)
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September 2, 2025 8-K/A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K/A AMENDMENT NO.1 CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) April 23, 2025 PEOP

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K/A AMENDMENT NO.

August 12, 2025 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 or 15 (D) OF THE SECURITIES EXCHANGE ACT OF 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 or 15 (D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2025 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number 001-12103 PEOPLES FINANCIAL CORPORATION (Exact name of registrant

July 23, 2025 EX-99.1

PEOPLES FINANCIAL CORPORATION REPORTS RESULTS FOR THE SECOND QUARTER OF 2025

Exhibit 99.1 FOR IMMEDIATE RELEASE For more information, contact: Chevis C. Swetman, President and CEO 228-435-8205 [email protected] 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

July 23, 2025 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) July 23, 2025 PEOPLES FINANCIAL CORP

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) July 23, 2025 PEOPLES FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Mississippi (State or Other Jurisdiction of Incorporation) 001-12103 64-0709834 (Commission File Number) (IRS Employer Identification No.

June 27, 2025 11-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 ☒ ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 ☒ ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2024 or ☐ TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commissi

May 28, 2025 EX-99.1

PEOPLES FINANCIAL CORPORATION ANNOUNCES A REGULAR CASH DIVIDEND

Exhibit 99.1 FOR IMMEDIATE RELEASE For more information, contact: Chevis C. Swetman, President and CEO 228-435-8205 [email protected] PEOPLES FINANCIAL CORPORATION ANNOUNCES A REGULAR CASH DIVIDEND BILOXI, MS (May 28, 2025) - 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

May 28, 2025 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) May 28, 2025 PEOPLES FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Mississippi (State or Other Jurisdiction of Incorporation) 001-12103 64-0709834 (Commission File Number) (IRS Employer Identification No.

May 13, 2025 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 or 15 (D) OF THE SECURITIES EXCHANGE ACT OF 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 or 15 (D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2025 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number 001-12103 PEOPLES FINANCIAL CORPORATION (Exact name of registran

April 29, 2025 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) April 23, 2025 PEOPLES FINANCIAL COR

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) April 23, 2025 PEOPLES FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Mississippi (State or Other Jurisdiction of Incorporation) 001-12103 64-0709834 (Commission File Number) (IRS Employer Identification No.

April 23, 2025 EX-99.1

PEOPLES FINANCIAL CORPORATION REPORTS RESULTS FOR THE FIRST QUARTER OF 2025

Exhibit 99.1 FOR IMMEDIATE RELEASE For more information, contact: Chevis C. Swetman, President and CEO 228-435-8205 [email protected] PEOPLES FINANCIAL CORPORATION REPORTS RESULTS FOR THE FIRST QUARTER OF 2025 BILOXI, MS (April 23, 2025) - Peoples Financial Corporation (the “Company”)(OTCQX Best Market: PFBX), parent of The Peoples Bank (the “Bank”), announced earnings for the first quarter

April 23, 2025 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) April 22, 2025 PEOPLES FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Mississippi (State or Other Jurisdiction of Incorporation) 001-12103 64-0709834 (Commission File Number) (IRS Employer Identification No.

March 24, 2025 DFAN14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Ame

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ☐ Filed by a Party other than the Registrant ☒ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confide

March 21, 2025 DFRN14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Ame

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. 1) Filed by the Registrant ☐ Filed by a Party other than the Registrant ☒ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confid

March 19, 2025 EX-19

Insider Trading Policy and Procedures

Exhibit 19 STATEMENT OF POLICY AND PROCEDURES GOVERNING TRADING IN SHARES OF Peoples Financial Corporation APPROVED October 23, 2024 In light of the potential severe penalties to both the individual and the company than can result from the trading in a company’s securities while a person is in possession of material nonpublic information (commonly referred to as “insider trading”) or improperly disclosing such information (commonly referred to as “tipping”), Peoples Financial Corporation (The Company) has adopted an insider trading Policy and related procedures which must be followed when trading in its securities.

March 19, 2025 DEFC14A

COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A INFORMATION (Rule 14a-101) Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A INFORMATION (Rule 14a-101) Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ☒Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐Preliminary Proxy Statement ☐Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ☒Definitive Proxy Statement ☐Definitiv

March 19, 2025 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15 (d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2024 ☐ TRANSITION REPORT PURSUANT TO SECT

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15 (d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2024 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15 (d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 001-12103 PEOPLE

March 11, 2025 DFAN14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Ame

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ☐ Filed by a Party other than the Registrant ☒ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confide

March 11, 2025 DEFC14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Ame

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ☐ Filed by a Party other than the Registrant ☒ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confide

February 28, 2025 PREC14A

COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A INFORMATION (Rule 14a-101) Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A INFORMATION (Rule 14a-101) Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ☒Filed by a Party other than the Registrant ☐ Check the appropriate box: ☒Preliminary Proxy Statement ☐Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ☐Definitive Proxy Statement ☐Definitiv

February 28, 2025 PREC14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Ame

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ☐ Filed by a Party other than the Registrant ☒ Check the appropriate box: ☒ Preliminary Proxy Statement ☐ Confide

February 27, 2025 PRE 14A

COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A INFORMATION (Rule 14a-101) Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A INFORMATION (Rule 14a-101) Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ☒Filed by a Party other than the Registrant ☐ Check the appropriate box: ☒Preliminary Proxy Statement ☐Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ☐Definitive Proxy Statement ☐Definitiv

January 28, 2025 DFAN14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Ame

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ☐ Filed by a Party other than the Registrant ☒ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confide

January 27, 2025 EX-1.C

SCHEDULE C Item 2(e)

EX-1.C 4 ex1cto13da2110318019012725.htm SCHEDULE C - ITEM 2(E) SCHEDULE C Item 2(e) On September 25, 2024, Stilwell Value LLC consented to the entry of a Securities and Exchange Commission (“SEC”) administrative cease and desist order (the “Order”) that, among other things, alleges violations of Section 13(d)(1) and 13(d)(2) of the Securities Exchange Act of 1934 and rules 13d-1 and 13d-2 promulga

January 27, 2025 EX-1.B

SCHEDULE B Stilwell Activist History

EX-1.B 3 ex1bto13da2110318019012725.htm SCHEDULE B - STILWELL ACTIVIST HISTORY SCHEDULE B Stilwell Activist History Since 2000, members or affiliates of the Group have taken an “activist position” in 76 other publicly-traded companies. In each instance, our purpose has been to profit from the appreciation in the market price of the shares we held by asserting shareholder rights. In addition, we be

January 27, 2025 EX-25

NOMINEE AGREEMENT

EX-25 5 ex25to13da2110318019012725.htm NOMINEE AGREEMENT, DATED JANUARY 23, 2025, WITH STEWART F. PECK Exhibit 25 NOMINEE AGREEMENT This Nominee Agreement (this “Agreement”) is made this 23rd day of January 2025, by and among Stilwell Activist Investments, L.P., Stilwell Activist Fund, L.P., and Stilwell Value Partners VII, L.P., (collectively, the “Stilwell Funds”), their General Partner, Stilwel

January 27, 2025 EX-1.A

SCHEDULE A Identity of Participants

EX-1.A 2 ex1ato13da2110318019012725.htm SCHEDULE A - IDENTITY OF PARTICIPANTS SCHEDULE A Identity of Participants Stewart F. Peck’s principal business address is 601 Poydras St., Suite 2775, New Orleans, Louisiana, 70130. During the past five years, Mr. Peck has not been convicted in a criminal proceeding (excluding traffic violations or similar misdemeanors). During the past five years, Mr. Peck

January 23, 2025 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) January 23, 2025 PEOPLES FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Mississippi (State or Other Jurisdiction of Incorporation) 001-12103 64-0709834 (Commission File Number) (IRS Employer Identification No.

January 23, 2025 EX-99.1

PEOPLES FINANCIAL CORPORATION REPORTS RESULTS FOR THE FOURTH QUARTER OF 2024, ANNOUNCES NEW STOCK REPURCHASE PROGRAM, AND SETS DATE FOR ANNUAL MEETING

Exhibit 99.1 FOR IMMEDIATE RELEASE For more information, contact: Chevis C. Swetman, President and CEO 228-435-8205 [email protected] PEOPLES FINANCIAL CORPORATION REPORTS RESULTS FOR THE FOURTH QUARTER OF 2024, ANNOUNCES NEW STOCK REPURCHASE PROGRAM, AND SETS DATE FOR ANNUAL MEETING BILOXI, MS (January 23, 2025) - Peoples Financial Corporation (the “Company”)(OTCQX Best Market: PFBX), paren

November 29, 2024 EX-99.1

PEOPLES FINANCIAL CORPORATION ANNOUNCES A REGULAR CASH DIVIDEND AND THE PAYMENT OF A SPECIAL DIVIDEND

Exhibit 99.1 FOR IMMEDIATE RELEASE For more information, contact: Chevis C. Swetman, President and CEO 228-435-8205 [email protected] PEOPLES FINANCIAL CORPORATION ANNOUNCES A REGULAR CASH DIVIDEND AND THE PAYMENT OF A SPECIAL DIVIDEND BILOXI, MS (November 26, 2024) - Peoples Financial Corporation (the “Company”)(OTCQX Best Market: PFBX), parent of The Peoples Bank (the “Bank”), announced th

November 29, 2024 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) November 26, 2024 PEOPLES FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Mississippi (State or Other Jurisdiction of Incorporation) 001-12103 64-0709834 (Commission File Number) (IRS Employer Identification No.

November 12, 2024 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 or 15 (D) OF THE SECURITIES EXCHANGE ACT OF 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 or 15 (D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2024 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number 001-12103 PEOPLES FINANCIAL CORPORATION (Exact name of regis

November 1, 2024 S-8 POS

As filed with the Securities and Exchange Commission on November 1, 2024

As filed with the Securities and Exchange Commission on November 1, 2024 Registration No.

October 23, 2024 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) October 23, 2024 PEOPLES FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Mississippi (State or Other Jurisdiction of Incorporation) 001-12103 64-0709834 (Commission File Number) (IRS Employer Identification No.

October 23, 2024 EX-99.1

PEOPLES FINANCIAL CORPORATION REPORTS RESULTS FOR THE THIRD QUARTER OF 2024

Exhibit 99.1 FOR IMMEDIATE RELEASE For more information, contact: Chevis C. Swetman, President and CEO 228-435-8205 [email protected] PEOPLES FINANCIAL CORPORATION REPORTS RESULTS FOR THE THIRD QUARTER OF 2024 BILOXI, MS (October 23, 2024) - Peoples Financial Corporation (the “Company”)(OTCQX Best Market: PFBX), parent of The Peoples Bank (the “Bank”), announced earnings for the third quarte

September 26, 2024 SC 13D/A

PFBX / Peoples Financial Corporation / STILWELL JOSEPH - SC 13D/A Activist Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D (Rule 13d-101) INFORMATION TO BE INCLUDED IN STATEMENTS FILED PURSUANT TO § 240.13d-1(a) AND AMENDMENTS THERETO FILED PURSUANT TO § 240.13d-2(a) (Amendment No. 20)1 PEOPLES FINANCIAL CORPORATION (Name of Issuer) Common Stock, par value $1.00 per share (Title of Class of Securities) 71103B102 (CUSIP Number) Mr. Jos

August 12, 2024 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 or 15 (D) OF THE SECURITIES EXCHANGE ACT OF 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 or 15 (D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2024 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number 001-12103 PEOPLES FINANCIAL CORPORATION (Exact name of registrant

July 24, 2024 EX-99.1

PEOPLES FINANCIAL CORPORATION REPORTS RESULTS FOR THE SECOND QUARTER OF 2024

Exhibit 99.1: Peoples Financial Corporation Press Release Dated July 24, 2024 FOR IMMEDIATE RELEASE For more information, contact: Chevis C. Swetman, President and CEO 228-435-8205 [email protected] PEOPLES FINANCIAL CORPORATION REPORTS RESULTS FOR THE SECOND QUARTER OF 2024 BILOXI, MS (July 24, 2024) - Peoples Financial Corporation (the “Company”)(OTCQX Best Market: PFBX), parent of The Peo

July 24, 2024 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) July 24, 2024 PEOPLES FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Mississippi (State or Other Jurisdiction of Incorporation) 001-12103 (Commission File Number) 64-0709834 (IRS Employer Identification No.

July 11, 2024 11-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 ☒ ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2023 or ☐ TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission file number 001

June 28, 2024 11-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 ☒ ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 ☒ ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2023 or ☐ TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission file number 001

June 28, 2024 NT 11-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 12b-25 SEC FILE NUMBER NOTIFICATION OF LATE FILING CUSIP NUMBER (Check one): ☐ Form 10-K ☐ Form 20-F ✔ Form 11-K ☐ Form 10-Q ☐ Form 10-D ☐ Form N-CEN ☐ Form N-CSR For Period Ended December 31, 2023 ☐ Transition Report on Form 10-K ☐ Transition Report on Form 20-F ☐ Transition Report on Form 11-K ☐ Transition Report on For

May 22, 2024 EX-99.1

PEOPLES FINANCIAL CORPORATION ANNOUNCES A CASH DIVIDEND

Exhibit 99.1 Exhibit 99.1: Peoples Financial Corporation Press Release Dated May 22, 2024 FOR IMMEDIATE RELEASE For more information, contact: Chevis C. Swetman, President and CEO 228-435-8205 [email protected] PEOPLES FINANCIAL CORPORATION ANNOUNCES A CASH DIVIDEND BILOXI, MS (May 22, 2024) - Peoples Financial Corporation (the “Company”)(OTCQX Best Market: PFBX), parent of The Peoples Bank

May 22, 2024 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) May 22, 2024 PEOPLES FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Mississippi (State or Other Jurisdiction of Incorporation) 001-12103 64-0709834 (Commission File Number) (IRS Employer Identification No.

May 14, 2024 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 or 15 (D) OF THE SECURITIES EXCHANGE ACT OF 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 or 15 (D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2024 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number 001-12103 PEOPLES FINANCIAL CORPORATION (Exact name of registran

April 29, 2024 8-K

Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) April 24, 2024 PEOPLES FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Mississippi (State or Other Jurisdiction of Incorporation) 001-12103 (Commission File Number) 64-0709834 (IRS Employer Identification No.

April 24, 2024 EX-99.1

PEOPLES FINANCIAL CORPORATION REPORTS RESULTS FOR THE FIRST QUARTER OF 2024 AND ANNOUNCES NEW STOCK REPURCHASE PROGRAM

Exhibit 99.1 Exhibit 99.1: Peoples Financial Corporation Press Release Dated April 24, 2024 PEOPLES FINANCIAL CORPORATION REPORTS RESULTS FOR THE FIRST QUARTER OF 2024 AND ANNOUNCES NEW STOCK REPURCHASE PROGRAM BILOXI, MS (April 24, 2024) - Peoples Financial Corporation (the “Company”)(OTCQX Best Market: PFBX), parent of The Peoples Bank (the “Bank”), announced earnings for the first quarter endin

April 24, 2024 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) April 24, 2024 PEOPLES FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Mississippi (State or Other Jurisdiction of Incorporation) 001-12103 (Commission File Number) 64-0709834 (IRS Employer Identification No.

April 5, 2024 DEFA14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A INFORMATION (Rule 14a-101) Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A INFORMATION (Rule 14a-101) Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2

April 1, 2024 DFAN14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Ame

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ☐ Filed by a Party other than the Registrant ☒ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confide

March 22, 2024 DFRN14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Ame

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. 1) Filed by the Registrant ☐ Filed by a Party other than the Registrant ☒ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confid

March 20, 2024 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15 (d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2023 ☐ TRANSITION REPORT PURSUANT TO SECT

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15 (d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15 (d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 001-12103 PEOPLES FINANCIAL CORPOR

March 20, 2024 DEFC14A

COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A INFORMATION (Rule 14a-101) Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A INFORMATION (Rule 14a-101) Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ☒ Definitive Proxy Statement ☐ Defi

March 12, 2024 DFAN14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Ame

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ☐ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confide

March 12, 2024 DEFC14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Ame

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ☐ Filed by a Party other than the Registrant ☒ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confide

March 4, 2024 PREC14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A INFORMATION (Rule 14a-101) Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A INFORMATION (Rule 14a-101) Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☒ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2

March 1, 2024 PREC14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Ame

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ☐ Filed by a Party other than the Registrant ☒ Check the appropriate box: ☒ Preliminary Proxy Statement ☐ Confide

February 15, 2024 SC 13G/A

PFBX / Peoples Financial Corporation / SWETMAN CHEVIS - SCHEDULE 13G/A Passive Investment

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 25) Peoples Financial Corporation (Name of Issuer) Common Stock (Title of Class of Securities) 71103B102 (CUSIP Number) Check the appropriate box to designate the rule pursuant to which this Schedule is filed: ☐ Rule 13d-1(b) ☒ Rule 13d-1(c) ☐ Rule 13d-1(d) *The remainder

January 24, 2024 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) January 24, 2024 PEOPLES FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Mississippi (State or Other Jurisdiction of Incorporation) 001-12103 (Commission File Number) 64-0709834 (IRS Employer Identification No.

January 24, 2024 EX-99.1

PEOPLES FINANCIAL CORPORATION REPORTS RESULTS FOR 2023, THE THIRD BEST YEAR OF EARNINGS EVER, AND SETS DATE FOR ANNUAL MEETING

Exhibit 99.1 Exhibit 99.1: Peoples Financial Corporation Press Release Dated January 24, 2024 FOR IMMEDIATE RELEASE For more information, contact: Chevis C. Swetman, President and CEO 228-435-8205 [email protected] PEOPLES FINANCIAL CORPORATION REPORTS RESULTS FOR 2023, THE THIRD BEST YEAR OF EARNINGS EVER, AND SETS DATE FOR ANNUAL MEETING BILOXI, MS (January 24, 2024) - Peoples Financial Co

January 22, 2024 EX-24

NOMINEE AGREEMENT

EX-24 3 ex24to13da1910318019012224.htm NOMINEE AGREEMENT, DATED JANUARY 19, 2024, WITH SCOTT POLAKOFF Exhibit 24 NOMINEE AGREEMENT This Nominee Agreement (this “Agreement”) is made this 19th day of January 2024, by and among Stilwell Activist Investments, L.P., Stilwell Activist Fund, L.P., and Stilwell Value Partners VII, L.P., (collectively, the “Stilwell Funds”), their General Partner, Stilwell

January 22, 2024 SC 13D/A

PFBX / Peoples Financial Corporation / STILWELL JOSEPH - AMENDMENT NO. 19 TO THE SCHEDULE 13D Activist Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D (Rule 13d-101) INFORMATION TO BE INCLUDED IN STATEMENTS FILED PURSUANT TO § 240.13d-1(a) AND AMENDMENTS THERETO FILED PURSUANT TO § 240.13d-2(a) (Amendment No. 19)1 PEOPLES FINANCIAL CORPORATION (Name of Issuer) Common Stock, par value $1.00 per share (Title of Class of Securities) 71103B102 (CUSIP Number) Mr. Jos

January 22, 2024 DFAN14A

DFAN14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D (Rule 13d-101) INFORMATION TO BE INCLUDED IN STATEMENTS FILED PURSUANT TO § 240.13d-1(a) AND AMENDMENTS THERETO FILED PURSUANT TO § 240.13d-2(a) (Amendment No. 19) 1 PEOPLES FINANCIAL CORPORATION (Name of Issuer) Common Stock, par value $1.00 per share (Title of Class of Securities) 71103B102 (CUSIP Number) Mr. Jo

January 22, 2024 DFAN14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Ame

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ☐ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confide

January 19, 2024 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) January 12, 2024 PEOPLES FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Mississippi (State or Other Jurisdiction of Incorporation) 001-12103 (Commission File Number) 64-0709834 (IRS Employer Identification No.

December 8, 2023 EX-16.1

Letter from Postlethwaite & Netterville to the Securities and Exchange Commission, dated December 8, 2023

Exhibit 16.1

December 8, 2023 8-K

Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) December 6, 2023 PEOPLES FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Mississippi (State or Other Jurisdiction of Incorporation) 001-12103 (Commission File Number) 64-0709834 (IRS Employer Identification No.

November 8, 2023 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 or 15 (D) OF THE SECURITIES EXCHANGE ACT OF 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 or 15 (D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2023 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number 001-12103 PEOPLES FINANCIAL CORPORATION (Exact name of regis

October 27, 2023 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) October 27, 2023 PEOPLES FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Mississippi (State or Other Jurisdiction of Incorporation) 001-12103 (Commission File Number) 64-0709834 (IRS Employer Identification No.

October 27, 2023 EX-99.1

PEOPLES FINANCIAL CORPORATION REPORTS RESULTS FOR THE THIRD QUARTER OF 2023 AND ANNOUNCES A 50% INCREASE IN REGULAR CASH DIVIDENDS AND THE PAYMENT OF A SPECIAL DIVIDEND

Exhibit 99.1: Peoples Financial Corporation Press Release Dated October 27, 2023 FOR IMMEDIATE RELEASE For more information, contact: Chevis C. Swetman, President and CEO 228-435-8205 [email protected] PEOPLES FINANCIAL CORPORATION REPORTS RESULTS FOR THE THIRD QUARTER OF 2023 AND ANNOUNCES A 50% INCREASE IN REGULAR CASH DIVIDENDS AND THE PAYMENT OF A SPECIAL DIVIDEND BILOXI, MS (October 27,

October 3, 2023 SC 13D/A

PFBX / Peoples Financial Corp Miss / STILWELL JOSEPH - SC 13D/A Activist Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D Under the Securities Exchange Act of 1934 (Amendment No. 18) PEOPLES FINANCIAL CORPORATION (Name of Issuer) Common Stock, par value $1.00 per share (Title of Class of Securities) 71103B102 (CUSIP Number) Mr. Joseph Stilwell 200 Calle del Santo Cristo Segundo Piso San Juan, Puerto Rico 00901 Telephone: (787) 985-21

August 8, 2023 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 or 15 (D) OF THE SECURITIES EXCHANGE ACT OF 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 or 15 (D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2023 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number 001-12103 PEOPLES FINANCIAL CORPORATION (Exact name of registrant

August 1, 2023 EX-99.1

PEOPLES FINANCIAL CORPORATION ANNOUNCES NEW STOCK REPURCHASE PROGRAM

Exhibit 99.1: Peoples Financial Corporation Press Release Dated July 31, 2023 FOR IMMEDIATE RELEASE For more information, contact: Chevis C. Swetman, President and CEO 228-435-8205 [email protected] PEOPLES FINANCIAL CORPORATION ANNOUNCES NEW STOCK REPURCHASE PROGRAM BILOXI, MS (July 31, 2023) ‐- The board of directors of Peoples Financial Corporation (the “Company”)(OTCQX Best Market: PFBX)

August 1, 2023 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) July 31, 2023 PEOPLES FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Mississippi (State or Other Jurisdiction of Incorporation) 001-12103 (Commission File Number) 64-0709834 (IRS Employer Identification No.

July 26, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) July 26, 2023 PEOPLES FINANCIAL CORP

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) July 26, 2023 PEOPLES FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Mississippi (State or Other Jurisdiction of Incorporation) 001-12103 (Commission File Number) 64-0709834 (IRS Employer Identification No.

July 26, 2023 EX-99.1

PEOPLES FINANCIAL CORPORATION REPORTS RESULTS FOR THE SECOND QUARTER OF 2023, EARNINGS INCREASED $1,818,000 OVER THE SECOND QUARTER OF 2022

Exhibit 99.1 FOR IMMEDIATE RELEASE For more information, contact: Chevis C. Swetman, President and CEO 228-435-8205 [email protected] PEOPLES FINANCIAL CORPORATION REPORTS RESULTS FOR THE SECOND QUARTER OF 2023, EARNINGS INCREASED $1,818,000 OVER THE SECOND QUARTER OF 2022 BILOXI, MS (July 26, 2023) - Peoples Financial Corporation (the “Company”)(OTCQX Best Market: PFBX), parent of The Peopl

June 27, 2023 11-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 ☒ ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 ☒ ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022 or ☐ TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission file number 001

June 27, 2023 11-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 ☒ ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 ☒ ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022 or ☐ TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission file number 001

May 15, 2023 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 or 15 (D) OF THE SECURITIES EXCHANGE ACT OF 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 or 15 (D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2023 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number 001-12103 PEOPLES FINANCIAL CORPORATION (Exact name of registran

May 1, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) April 26, 2023 PEOPLES FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Mississippi (State or Other Jurisdiction of Incorporation) 001-12103 (Commission File Number) 64-0709834 (IRS Employer Identification No.

April 20, 2023 EX-99.1

PEOPLES FINANCIAL CORPORATION REPORTS RESULTS FOR THE FIRST QUARTER OF 2023 AND ANNOUNCES A 20% DIVIDEND INCREASE

Exhibit 99.1 FOR IMMEDIATE RELEASE For more information, contact: Chevis C. Swetman, President and CEO 228-435-8205 [email protected] PEOPLES FINANCIAL CORPORATION REPORTS RESULTS FOR THE FIRST QUARTER OF 2023 AND ANNOUNCES A 20% DIVIDEND INCREASE BILOXI, MS (APRIL 20, 2023) - Peoples Financial Corporation (the “Company”)(OTCQX Best Market: PFBX), parent of The Peoples Bank (the “Bank”), ann

April 20, 2023 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) April 20, 2023 PEOPLES FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Mississippi (State or Other Jurisdiction of Incorporation) 001-12103 (Commission File Number) 64-0709834 (IRS Employer Identification No.

April 19, 2023 DFAN14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A (RULE 14a-101) Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A (RULE 14a-101) Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ¨ Filed by a Party other than the Registrant x Check the appropriate box: ¨ Preliminary Proxy Statement ¨ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ¨ Definit

April 19, 2023 SC 13D/A

PFBX / Peoples Financial Corp Miss / STILWELL JOSEPH - SC 13D/A Activist Investment

SC 13D/A 1 tm2313155d2sc13da.htm SC 13D/A UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D Under the Securities Exchange Act of 1934 (Amendment No. 17) PEOPLES FINANCIAL CORPORATION (Name of Issuer) Common Stock, par value $1.00 per share (Title of Class of Securities) 71103B102 (CUSIP Number) Mr. Joseph Stilwell 200 Calle del Santo Cristo Segundo Piso San Juan,

April 13, 2023 DEFA14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A INFORMATION (Rule 14a-101) Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A INFORMATION (Rule 14a-101) Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2

April 12, 2023 DFAN14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A (RULE 14a-101) Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A (RULE 14a-101) Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ¨ Filed by a Party other than the Registrant x Check the appropriate box: ¨ Preliminary Proxy Statement ¨ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ¨ Definit

April 12, 2023 SC 13D/A

PFBX / Peoples Financial Corp Miss / STILWELL JOSEPH - SC 13D/A Activist Investment

SC 13D/A 1 tm2312477d1sc13da.htm SC 13D/A UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D Under the Securities Exchange Act of 1934 (Amendment No. 16) PEOPLES FINANCIAL CORPORATION (Name of Issuer) Common Stock, par value $1.00 per share (Title of Class of Securities) 71103B102 (CUSIP Number) Mr. Joseph Stilwell 200 Calle del Santo Cristo Segundo Piso San Juan,

March 23, 2023 DFAN14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A (RULE 14a-101) Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A (RULE 14a-101) Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ¨ Filed by a Party other than the Registrant x Check the appropriate box: ¨ Preliminary Proxy Statement ¨ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ¨ Definit

March 23, 2023 EX-99.19

STILWELL ACTIVIST INVESTMENTS, L.P. 111 BROADWAY, 12TH FLOOR NEW YORK, NY 10006 (787) 985-2194

Exhibit 19 STILWELL ACTIVIST INVESTMENTS, L.P. 111 BROADWAY, 12TH FLOOR NEW YORK, NY 10006 (787) 985-2194 [email protected] March 23, 2023 Dear Fellow Stockholders, Since the turn of the century, Chevis Swetman has received over $8 million from our bank. During these 23 years of his stewardship, the share value of our stock has fallen.* In the last year alone, our Company lost over $6 per sha

March 23, 2023 SC 13D/A

PFBX / Peoples Financial Corp Miss / STILWELL JOSEPH - SC 13D/A Activist Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D Under the Securities Exchange Act of 1934 (Amendment No. 15) PEOPLES FINANCIAL CORPORATION (Name of Issuer) Common Stock, par value $1.00 per share (Title of Class of Securities) 71103B102 (CUSIP Number) Mr. Joseph Stilwell 200 Calle del Santo Cristo Segundo Piso San Juan, Puerto Rico 00901 Telephone: (787) 985-21

March 22, 2023 8-K/A

Financial Statements and Exhibits, Changes in Registrant's Certifying Accountant

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K/A CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) September 28, 2022 PEOPLES FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Mississippi (State or Other Jurisdiction of Incorporation) 001-12103 64-0709834 (Commission File Number) (IRS Employer Identification No.

March 22, 2023 EX-16.1

Letter from Wipfli LLP

Exhibit 16.1 235 Peachtree Street, NE Suite 1800 Atlanta, GA 30303 404 588 4200 wipfli.com March 21, 2023 Securities and Exchange Commission 100 F Street, NE Washington, D.C. 20549-7561 Dear Sirs/Madams: We have read Item 4.01 of Peoples Financial Corporation’s Form 8-KA dated March 21, 2023, and have the following comments: 1. We agree with the statements made in the first through fourth paragrap

March 16, 2023 DFRN14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Ame

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. 1) Filed by the Registrant ☐ Filed by a Party other than the Registrant ☒ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confid

March 15, 2023 DEFC14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A INFORMATION (Rule 14a-101) Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A INFORMATION (Rule 14a-101) Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2

March 15, 2023 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15 (d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022 ☐ TRANSITION REPORT PURSUANT TO SECT

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15 (d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15 (d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 001-12103 PEOPLES FINANCIAL CORPOR

March 10, 2023 DEFC14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ☐ Filed by a Party other than the Registrant ☒ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of

March 1, 2023 PREC14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A INFORMATION (Rule 14a-101) Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A INFORMATION (Rule 14a-101) Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☒ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2

February 28, 2023 PREC14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Ame

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ☐ Filed by a Party other than the Registrant ☒ Check the appropriate box: ☒ Preliminary Proxy Statement ☐ Confide

February 14, 2023 SC 13G/A

PFBX / Peoples Financial Corp. / GENDELL JEFFREY L - AMENDMENT NO. 7 Passive Investment

SC 13G/A 1 pfbx213233sc13ga7.htm AMENDMENT NO. 7 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G/A Under the Securities Exchange Act of 1934 (Amendment No. 7)* Peoples Financial Corporation (Name of Issuer) Common Stock, $1 par value (Title of Class of Securities) 71103B102 (CUSIP Number) December 31, 2022 (Date of Event which Requires Filing of this Statement)

February 10, 2023 SC 13G

PFBX / Peoples Financial Corp. / SWETMAN CHEVIS - SCHEDULE 13G Passive Investment

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 24) Peoples Financial Corporation (Name of Issuer) Common Stock (Title of Class of Securities) 71103B102 (CUSIP Number) Check the appropriate box to designate the rule pursuant to which this Schedule is filed: ☐ Rule 13d-1(b) ☒ Rule 13d-1(c) ☐ Rule 13d-1(d) *The remainder

January 26, 2023 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) January 25, 2023 PEOPLES FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Mississippi (State or Other Jurisdiction of Incorporation) 001-12103 64-0709834 (Commission File Number) (IRS Employer Identification No.

January 26, 2023 EX-99.1

PEOPLES FINANCIAL CORPORATION REPORTS RESULTS FOR 2022 AND SETS DATE FOR ANNUAL MEETING

Exhibit 99.1: Peoples Financial Corporation Press Release Dated January 25, 2023 FOR IMMEDIATE RELEASE For more information, contact: Chevis C. Swetman, President and CEO 228-435-8205 [email protected] PEOPLES FINANCIAL CORPORATION REPORTS RESULTS FOR 2022 AND SETS DATE FOR ANNUAL MEETING BILOXI, MS (January 25, 2023) - Peoples Financial Corporation (the “Company”)(OTCQX Best Market: PFBX),

January 25, 2023 EX-15

NOMINEE AGREEMENT

Exhibit 15 NOMINEE AGREEMENT This Nominee Agreement (this “Agreement”) is made this 23rd day of January 2023, by and among Stilwell Activist Investments, L.

January 25, 2023 EX-16

NOMINEE AGREEMENT

EX-16 3 tm234374d1ex16.htm EXHIBIT 99.16 Exhibit 16 NOMINEE AGREEMENT This Nominee Agreement (this “Agreement”) is made this 23rd day of January 2023, by and among Stilwell Activist Investments, L.P., Stilwell Activist Fund, L.P., and Stilwell Value Partners VII, L.P., (collectively, the “Stilwell Funds”), their General Partner, Stilwell Value LLC (“Stilwell Value” and together with the Stilwell F

January 25, 2023 DFAN14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A (RULE 14a-101) Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A (RULE 14a-101) Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ¨ Filed by a Party other than the Registrant x Check the appropriate box: ¨ Preliminary Proxy Statement ¨ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ¨ Definit

January 25, 2023 EX-17

AMENDED JOINT FILING AGREEMENT

EX-17 4 tm234374d1ex17.htm EXHIBIT 99.17 Exhibit 17 AMENDED JOINT FILING AGREEMENT In accordance with Rule 13d-1(k) under the Securities Exchange Act of 1934, as amended, the persons named below agree to the joint filing on behalf of each of them of a statement on Schedule 13D (including amendments thereto) with respect to the Common Stock of the Issuer and further agree that this Amended Joint Fi

January 25, 2023 SC 13D/A

PFBX / Peoples Financial Corp. / STILWELL JOSEPH - SC 13D/A Activist Investment

SC 13D/A 1 tm234374d1sc13da.htm SC 13D/A UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D Under the Securities Exchange Act of 1934 (Amendment No. 14) PEOPLES FINANCIAL CORPORATION (Name of Issuer) Common Stock, par value $1.00 per share (Title of Class of Securities) 71103B102 (CUSIP Number) Mr. Joseph Stilwell 200 Calle del Santo Cristo Segundo Piso San Juan,

January 25, 2023 EX-18

POWER OF ATTORNEY

EX-18 5 tm234374d1ex18.htm EXHIBIT 99.18 Exhibit 18 POWER OF ATTORNEY Know all by these presents, that the undersigned hereby constitutes and appoints Joseph D. Stilwell and Megan Parisi, or either of them, the undersigned’s true and lawful attorney-in-fact to take any and all action in connection with (i) the undersigned’s beneficial ownership of, or participation in a group with respect to, secu

November 22, 2022 EX-3.1

Amended and Restated Bylaws

Exhibit 3.1 BYLAWS OF PEOPLES FINANCIAL CORPORATION BILOXI, MISSISSIPPI Adopted March 21, 1985 As Amended November 22, 2022 PEOPLES FINANCIAL CORPORATION BILOXI, MISSISSIPPI BYLAWS ARTICLE I OFFICES Section 1.01 Principal Office. The principal office of PFC (`the Corporation") shall be at Biloxi, Harrison County, Mississippi. The Corporation may have such other offices as are allowable by the laws

November 22, 2022 8-K

Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) November 22, 2022 PEOPLES FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Mississippi (State or Other Jurisdiction of Incorporation) 001-12103 (Commission File Number) 64-0709834 (IRS Employer Identification No.

November 9, 2022 EX-99.1

Item 4: Controls and Procedures as filed on Form 10-Q for the quarter ended March 31, 2022.

Exhibit 99.1 Item 4: Controls and Procedures as filed on Form 10-Q for the quarter ended March 31, 2022. As of March 31, 2022, an evaluation was performed under the supervision and with the participation of the Chief Executive Officer and Chief Financial Officer of the effectiveness of the Company?s disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e)). Based on that eval

November 9, 2022 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 or 15 (D) OF THE SECURITIES EXCHANGE ACT OF 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ? QUARTERLY REPORT PURSUANT TO SECTION 13 or 15 (D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2022 or ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number 001-12103 PEOPLES FINANCIAL CORPORATION (Exact name of regis

October 26, 2022 EX-99.1

PEOPLES FINANCIAL CORPORATION REPORTS RESULTS FOR THE THIRD QUARTER OF 2022 AND ANNOUNCES DIVIDEND

Exhibit 99.1: Peoples Financial Corporation Press Release Dated October 26, 2022 FOR IMMEDIATE RELEASE For more information, contact: Chevis C. Swetman, President and CEO 228-435-8205 [email protected] PEOPLES FINANCIAL CORPORATION REPORTS RESULTS FOR THE THIRD QUARTER OF 2022 AND ANNOUNCES DIVIDEND BILOXI, MS (October 26, 2022) — Peoples Financial Corporation (the “Company”) (OTCQX Best Mar

October 26, 2022 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) October 26, 2022 PEOPLES FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Mississippi (State or Other Jurisdiction of Incorporation) 001-12103 (Commission File Number) 64-0709834 (IRS Employer Identification No.

October 3, 2022 8-K

Financial Statements and Exhibits, Changes in Registrant's Certifying Accountant

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) September 28, 2022 PEOPLES FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Mississippi (State or Other Jurisdiction of Incorporation) 001-12103 (Commission File Number) 64-0709834 (IRS Employer Identification No.

October 3, 2022 EX-16.1

Letter from Wipfli LLP

Exhibit 16.1 235 Peachtree Street, NE Suite 1800 Atlanta, GA 30303 404 588 4200 wipfli.com October 3, 2022 Securities and Exchange Commission 100 F Street, NE Washington, D.C. 20549-7561 Dear Sirs/Madams: We have read Item 4.01 of Peoples Financial Corporation?s Form 8-K dated October 3, 2022, and have the following comments: 1. We agree with the statements made in the first through fifth paragrap

August 16, 2022 EX-99.1

Trustmark Completes Sale of Corporate Trust Business to The Peoples Bank, Biloxi, Mississippi

Exhibit 99.1: Trustmark Corporation and Peoples Financial Corporation Press Release dated August 15, 2022 PRESS RELEASE Trustmark Completes Sale of Corporate Trust Business to The Peoples Bank, Biloxi, Mississippi JACKSON, MS and Biloxi, MS-(August 15, 2022)?Trustmark National Bank (?Trustmark?), a wholly-owned subsidiary of Trustmark Corporation (NASDAQGS: TRMK), and The Peoples Bank, whose paren

August 16, 2022 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) August 15, 2022 PEOPLES FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Mississippi (State or Other Jurisdiction of Incorporation) 001-12103 (Commission File Number) 64-0709834 (IRS Employer Identification No.

August 10, 2022 EX-99.1

Item 4: Controls and Procedures as filed on Form 10-Q for the quarter ended March 31, 2022.

Exhibit 99.1 Item 4: Controls and Procedures as filed on Form 10-Q for the quarter ended March 31, 2022. As of March 31, 2022, an evaluation was performed under the supervision and with the participation of the Chief Executive Officer and Chief Financial Officer of the effectiveness of the Company?s disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e)). Based on that eval

August 10, 2022 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 or 15 (D) OF THE SECURITIES EXCHANGE ACT OF 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ? QUARTERLY REPORT PURSUANT TO SECTION 13 or 15 (D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2022 or ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number 001-12103 PEOPLES FINANCIAL CORPORATION (Exact name of registrant

July 27, 2022 EX-99.1

PEOPLES FINANCIAL CORPORATION REPORTS RESULTS FOR THE SECOND QUARTER OF 2022

Exhibit 99.1: Peoples Financial Corporation Press Release Dated July 27, 2022 FOR IMMEDIATE RELEASE For more information, contact: Chevis C. Swetman, President and CEO 228-435-8205 [email protected] PEOPLES FINANCIAL CORPORATION REPORTS RESULTS FOR THE SECOND QUARTER OF 2022 BILOXI, MS (July 27, 2022) ? Peoples Financial Corporation (the ?Company?) (OTCQX Best Market: PFBX), parent of The Pe

July 27, 2022 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) July 27, 2022 PEOPLES FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Mississippi (State or Other Jurisdiction of Incorporation) 001-12103 (Commission File Number) 64-0709834 (IRS Employer Identification No.

July 12, 2022 SC 13D/A

PFBX / Peoples Financial Corp. / STILWELL JOSEPH - SC 13D/A Activist Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D Under the Securities Exchange Act of 1934 (Amendment No. 13) PEOPLES FINANCIAL CORPORATION (Name of Issuer) Common Stock, par value $1.00 per share (Title of Class of Securities) 71103B102 (CUSIP Number) Mr. Joseph Stilwell 200 Calle del Santo Cristo Segundo Piso San Juan, Puerto Rico 00901 Telephone: (787) 985-21

June 27, 2022 11-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 ☒ ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

11-K 1 pfbx20220620b11k.htm FORM 11-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 ☒ ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2021 or ☐ TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE

June 27, 2022 11-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 ☒ ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 ? ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2021 or ? TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission file number 001

May 13, 2022 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 or 15 (D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2022 ☐ TRANSITION REPORT PURSUANT TO

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ? QUARTERLY REPORT PURSUANT TO SECTION 13 or 15 (D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2022 or ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number 001-12103 PEOPLES FINANCIAL CORPORATION (Exact name of registran

May 11, 2022 EX-99.1

PEOPLES FINANCIAL CORPORATION REPORTS RESULTS FOR THE FIRST QUARTER OF 2022

Exhibit 99.1: Peoples Financial Corporation Press Release Dated May 11, 2022 FOR IMMEDIATE RELEASE For more information, contact: Chevis C. Swetman, President and CEO 228-435-8205 [email protected] PEOPLES FINANCIAL CORPORATION REPORTS RESULTS FOR THE FIRST QUARTER OF 2022 BILOXI, MS (May 11, 2022) ? Peoples Financial Corporation (the ?Company?)(OTCQX Best Market: PFBX), parent of The People

May 11, 2022 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) May 11, 2022 PEOPLES FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Mississippi (State or Other Jurisdiction of Incorporation) 001-12103 (Commission File Number) 64-0709834 (IRS Employer Identification No.

May 3, 2022 8-K

Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) April 27, 2022 PEOPLES FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Mississippi (State or Other Jurisdiction of Incorporation) 001-12103 (Commission File Number) 64-0709834 (IRS Employer Identification No.

April 26, 2022 8-K/A

Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K/A AMENDMENT NO.

April 25, 2022 8-K

Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) April 25, 2022 PEOPLES FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Mississippi (State or Other Jurisdiction of Incorporation) 001-12103 (Commission File Number) 64-0709834 (IRS Employer Identification No.

April 12, 2022 DEFA14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A INFORMATION (Rule 14a-101) Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A INFORMATION (Rule 14a-101) Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ? Filed by a Party other than the Registrant ? Check the appropriate box: ? Preliminary Proxy Statement ? Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2

April 4, 2022 DFRN14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of The Securities Exchange Act of 1934 (Ame

DFRN14A 1 dfrn14a1031801904042022.htm UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of The Securities Exchange Act of 1934 (Amendment No. 2) Filed by the Registrant ☐ Filed by a Party other than the Registrant ☒ Check the appropriate box:

April 4, 2022 EX-99.14

THE STILWELL GROUP 262 CALLE DEL SANTO CRISTO SEGUNDO PISO SAN JUAN, PUERTO RICO 00901 (787) 985-2194

Exhibit 14 THE STILWELL GROUP 262 CALLE DEL SANTO CRISTO SEGUNDO PISO SAN JUAN, PUERTO RICO 00901 (787) 985-2194 INFO@STILWELLGROUP.

April 4, 2022 DFAN14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A (RULE 14a-101) Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

DFAN14A 1 tm2211615d2dfan14a.htm DFAN14A UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A (RULE 14a-101) Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ¨ Filed by a Party other than the Registrant x Check the appropriate box: ¨ Preliminary Proxy Statement ¨ Confidential, for Use of the Commission Only (as

April 4, 2022 SC 13D/A

PFBX / Peoples Financial Corp. / STILWELL JOSEPH - SC 13D/A Activist Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D Under the Securities Exchange Act of 1934 (Amendment No. 12) PEOPLES FINANCIAL CORPORATION (Name of Issuer) Common Stock, par value $1.00 per share (Title of Class of Securities) 71103B102 (CUSIP Number) Mr. Joseph Stilwell 200 Calle del Santo Cristo Segundo Piso San Juan, Puerto Rico 00901 Telephone: (787) 985-21

April 1, 2022 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) April 1, 2022 PEOPLES FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Mississippi (State or Other Jurisdiction of Incorporation) 001-12103 (Commission File Number) 64-0709834 (IRS Employer Identification No.

April 1, 2022 EX-99.1

PEOPLES FINANCIAL CORPORATION ANNOUNCES RETIREMENT OF CHIEF FINANCIAL OFFICER

Exhibit 99.1: Press Release dated April 1, 2022 FOR IMMEDIATE RELEASE For more information, contact: Chevis C. Swetman, President and CEO 228-435-8205 [email protected] PEOPLES FINANCIAL CORPORATION ANNOUNCES RETIREMENT OF CHIEF FINANCIAL OFFICER BILOXI, MS (April 1, 2022) ? Peoples Financial Corporation (the ?Company?)(OTCQX Best Market: PFBX), parent of The Peoples Bank, today announced th

March 25, 2022 DEFC14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A INFORMATION (Rule 14a-101) Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

DEFC14A 1 pfbx20220317defc14a.htm FORM DEFC14A UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A INFORMATION (Rule 14a-101) Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the C

March 25, 2022 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15 (d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2021 ☐ TRANSITION REPORT PURSUANT TO SECT

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K ? ANNUAL REPORT PURSUANT TO SECTION 13 OR 15 (d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2021 OR ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15 (d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 001-12103 PEOPLES FINANCIAL CORPOR

March 18, 2022 EX-99.1

Trustmark National Bank Enters Agreement to Sell Corporate Trust Business to The Peoples Bank, Biloxi, Mississippi

Exhibit 99.1: Trustmark Corporation and Peoples Financial Corporation Press Release Dated March 17, 2022 Trustmark National Bank Enters Agreement to Sell Corporate Trust Business to The Peoples Bank, Biloxi, Mississippi JACKSON, MS-(BUSINESS WIRE)?Trustmark National Bank (?Trustmark?), a wholly-owned subsidiary of Trustmark Corporation (NASDAQGS: TRMK), and The Peoples Bank, whose parent company i

March 18, 2022 EX-2.1

Asset Purchase Agreement By and Between Trustmark National Bank and The Peoples Bank

Exhibit 2.1 Asset Purchase Agreement ASSET PURCHASE AGREEMENT by and between TRUSTMARK NATIONAL BANK (?Seller?) and THE PEOPLES BANK (?Buyer?) dated as of March 17, 2022 Table of Contents Page ARTICLE I. DEFINITIONS 1.1 Definitions. 1 ARTICLE II. The TRANSACTION 2.1 The Transaction. 4 2.2 Purchase Price. 4 2.3 Adjustment to Purchase Price. 4 ARTICLE III. CLOSING 3.1 Closing. 5 3.2 Closing Deliveri

March 18, 2022 8-K

Entry into a Material Definitive Agreement, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) March 17, 2022 PEOPLES FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Mississippi (State or Other Jurisdiction of Incorporation) 001-12103 (Commission File Number) 64-0709834 (IRS Employer Identification No.

March 15, 2022 EX-99.13

THE STILWELL GROUP 262 CALLE DEL SANTO CRISTO SEGUNDO PISO SAN JUAN, PUERTO RICO 00901 (787) 985-2194

Exhibit 13 THE STILWELL GROUP 262 CALLE DEL SANTO CRISTO SEGUNDO PISO SAN JUAN, PUERTO RICO 00901 (787) 985-2194 INFO@STILWELLGROUP.

March 15, 2022 SC 13D/A

PFBX / Peoples Financial Corp. / STILWELL JOSEPH - SC 13D/A Activist Investment

SC 13D/A 1 tm229277d1sc13da.htm SC 13D/A UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D Under the Securities Exchange Act of 1934 (Amendment No. 11) PEOPLES FINANCIAL CORPORATION (Name of Issuer) Common Stock, par value $1.00 per share (Title of Class of Securities) 71103B102 (CUSIP Number) Mr. Joseph Stilwell 200 Calle del Santo Cristo Segundo Piso San Juan,

March 15, 2022 DFAN14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A (RULE 14a-101) Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

DFAN14A 1 tm229277d2dfan14a.htm DFAN14A UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A (RULE 14a-101) Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ¨ Filed by a Party other than the Registrant x Check the appropriate box: ¨ Preliminary Proxy Statement ¨ Confidential, for Use of the Commission Only (as

March 14, 2022 DFRN14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of The Securities Exchange Act of 1934 (Ame

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of The Securities Exchange Act of 1934 (Amendment No. 1) Filed by the Registrant ☐ Filed by a Party other than the Registrant ☒ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confid

March 11, 2022 EX-99.1

PEOPLES FINANCIAL CORPORATION DECLARES SEMI-ANNUAL DIVIDEND

Exhibit 99.1: Peoples Financial Corporation Press Release Dated March 11, 2022 For more information, contact: FOR IMMEDIATE RELEASE Chevis C. Swetman, President and CEO 228-435-8205 [email protected] PEOPLES FINANCIAL CORPORATION DECLARES SEMI-ANNUAL DIVIDEND BILOXI, MS (March 11, 2022) ? Peoples Financial Corporation (the ?Company?)(OTCQX Best Market: PFBX), parent of The Peoples Bank, anno

March 11, 2022 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) March 11, 2022 PEOPLES FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Mississippi (State or Other Jurisdiction of Incorporation) 001-12103 (Commission File Number) 64-0709834 (IRS Employer Identification No.

March 10, 2022 PRE 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A INFORMATION (Rule 14a-101) Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A INFORMATION (Rule 14a-101) Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ? Filed by a Party other than the Registrant ? Check the appropriate box: ? Preliminary Proxy Statement ? Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2

March 10, 2022 DEFC14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of The Securities Exchange Act of 1934 (Ame

DEFC14A 1 defc14a1031801902282022.htm UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of The Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ☐ Filed by a Party other than the Registrant ☒ Check the appropriate box: ☐

March 10, 2022 DEFA14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A INFORMATION (Rule 14a-101) Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A INFORMATION (Rule 14a-101) Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ? Filed by a Party other than the Registrant ? Check the appropriate box: ? Preliminary Proxy Statement ? Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2

March 10, 2022 PREC14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A INFORMATION (Rule 14a-101) Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A INFORMATION (Rule 14a-101) Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ? Filed by a Party other than the Registrant ? Check the appropriate box: ? Preliminary Proxy Statement ? Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2

February 28, 2022 PREC14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of The Securities Exchange Act of 1934 (Ame

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of The Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ? Filed by a Party other than the Registrant ? Check the appropriate box: ? Preliminary Proxy Statement ? Confide

February 11, 2022 SC 13G/A

PFBX / Peoples Financial Corp. / GENDELL JEFFREY L - AMENDMENT NO. 6 Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G/A Under the Securities Exchange Act of 1934 (Amendment No. 6)* Peoples Financial Corporation (Name of Issuer) Common Stock, $1 par value (Title of Class of Securities) 71103B102 (CUSIP Number) December 31, 2021 (Date of Event which Requires Filing of this Statement) Check the appropriate box to designate the rule

February 10, 2022 SC 13G/A

PFBX / Peoples Financial Corp. / SWETMAN CHEVIS - SCHEDULE 13G/A Passive Investment

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 23) Peoples Financial Corporation (Name of Issuer) Common Stock (Title of Class of Securities) 71103B102 (CUSIP Number) Check the appropriate box to designate the rule pursuant to which this Schedule is filed: ? Rule 13d-1(b) ? Rule 13d-1(c) ? Rule 13d-1(d) *The remainder

February 7, 2022 EX-99.9

NOMINEE AGREEMENT

Exhibit 9 NOMINEE AGREEMENT This Nominee Agreement is made this 1st day of February 2022, by and among Stilwell Activist Investments, L.

February 7, 2022 EX-99.11

NOMINEE AGREEMENT

Exhibit 11 NOMINEE AGREEMENT This Nominee Agreement is made this 2nd day of February 2022, by and among Stilwell Activist Investments, L.

February 7, 2022 SC 13D/A

PFBX / Peoples Financial Corp. / STILWELL JOSEPH - SC 13D/A Activist Investment

SC 13D/A 1 tm225711d1sc13da.htm SC 13D/A UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D Under the Securities Exchange Act of 1934 (Amendment No. 10) PEOPLES FINANCIAL CORPORATION (Name of Issuer) Common Stock, par value $1.00 per share (Title of Class of Securities) 71103B102 (CUSIP Number) Mr. Joseph Stilwell 200 Calle del Santo Cristo Segundo Piso San Juan,

February 7, 2022 EX-99.10

NOMINEE AGREEMENT

Exhibit 10 NOMINEE AGREEMENT This Nominee Agreement is made this 2nd day of February 2022, by and among Stilwell Activist Investments, L.

February 7, 2022 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) February 4, 2022 PEOPLES FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Mississippi (State or Other Jurisdiction of Incorporation) 001-12103 (Commission File Number) 64-0709834 (IRS Employer Identification No.

February 7, 2022 EX-99.12

NOMINEE AGREEMENT

Exhibit 12 NOMINEE AGREEMENT This Nominee Agreement is made this 3rd day of February 2022, by and among Stilwell Activist Investments, L.

February 7, 2022 DFAN14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A (RULE 14a-101) Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A (RULE 14a-101) Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ? Filed by a Party other than the Registrant x Check the appropriate box: ? Preliminary Proxy Statement ? Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ? Definit

January 26, 2022 EX-99.1

PEOPLES FINANCIAL CORPORATION REPORTS 2021 RESULTS – NET INCOME OF $8,579,000 4TH BEST YEAR EVER; ANNUAL MEETING DATE SET

Exhibit 99.1 Exhibit 99.1: Peoples Financial Corporation Press Release Dated January 26, 2022 FOR IMMEDIATE RELEASE For more information, contact: Chevis C. Swetman, President and CEO 228-435-8205 [email protected] PEOPLES FINANCIAL CORPORATION REPORTS 2021 RESULTS ? NET INCOME OF $8,579,000 4TH BEST YEAR EVER; ANNUAL MEETING DATE SET BILOXI, MS (January 26, 2022) - Peoples Financial Corpora

January 26, 2022 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) January 26, 2022 PEOPLES FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Mississippi (State or Other Jurisdiction of Incorporation) 001-12103 (Commission File Number) 64-0709834 (IRS Employer Identification No.

January 3, 2022 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) December 31, 2021 PEOPLES FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Mississippi (State or Other Jurisdiction of Incorporation) 001-12103 (Commission File Number) 64-0709834 (IRS Employer Identification No.

November 30, 2021 8-K

Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) November 23, 2021 PEOPLES FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Mississippi (State or Other Jurisdiction of Incorporation) 001-12103 (Commission File Number) 64-0709834 (IRS Employer Identification No.

November 23, 2021 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) November 23, 2021 PEOPLES FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Mississippi (State or Other Jurisdiction of Incorporation) 001-12103 (Commission File Number) 64-0709834 (IRS Employer Identification No.

November 23, 2021 EX-99.1

PEOPLES FINANCIAL CORPORATION DECLARES SEMI-ANNUAL DIVIDEND

Exhibit 99.1: Peoples Financial Corporation Press Release Dated November 23, 2021 For more information, contact: FOR IMMEDIATE RELEASE Chevis C. Swetman, President and CEO 228-435-8205 [email protected] PEOPLES FINANCIAL CORPORATION DECLARES SEMI-ANNUAL DIVIDEND BILOXI, MS (November 23, 2021) ? Peoples Financial Corporation (the ?Company?)(OTCQX Best Market: PFBX), parent of The Peoples Bank

November 19, 2021 8-K

Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) November 19, 2021 PEOPLES FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Mississippi (State or Other Jurisdiction of Incorporation) 001-12103 64-0709834 (Commission File Number) (IRS Employer Identification No.

November 10, 2021 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 or 15 (D) OF THE SECURITIES EXCHANGE ACT OF 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 or 15 (D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2021 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number 001-12103 PEOPLES FINANCIAL CORPORATION (Exact name of regis

October 27, 2021 EX-99.1

PEOPLES FINANCIAL CORPORATION REPORTS RESULTS FOR THE THIRD QUARTER OF 2021

Exhibit 99.1: Peoples Financial Corporation Press Release Dated October 27, 2021 FOR IMMEDIATE RELEASE For more information, contact: Chevis C. Swetman, President and CEO 228-435-8205 [email protected] PEOPLES FINANCIAL CORPORATION REPORTS RESULTS FOR THE THIRD QUARTER OF 2021 BILOXI, MS (October 27, 2021) - Peoples Financial Corporation (the ?Company?)(OTCQX Best Market: PFBX), parent of Th

October 27, 2021 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) October 27, 2021 PEOPLES FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Mississippi (State or Other Jurisdiction of Incorporation) 001-12103 (Commission File Number) 64-0709834 (IRS Employer Identification No.

August 11, 2021 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 or 15 (D) OF THE SECURITIES EXCHANGE ACT OF 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ? QUARTERLY REPORT PURSUANT TO SECTION 13 or 15 (D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2021 or ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number 001-12103 PEOPLES FINANCIAL CORPORATION (Exact name of registrant

July 28, 2021 EX-99.1

PEOPLES FINANCIAL CORPORATION REPORTS RESULTS FOR THE SECOND QUARTER OF 2021

Exhibit 99.1: Peoples Financial Corporation Press Release Dated July 28, 2021 FOR IMMEDIATE RELEASE For more information, contact: Chevis C. Swetman, President and CEO 228-435-8205 [email protected] PEOPLES FINANCIAL CORPORATION REPORTS RESULTS FOR THE SECOND QUARTER OF 2021 BILOXI, MS (July 28, 2021) - Peoples Financial Corporation (the ?Company?)(OTCQX Best Market: PFBX), parent of The Peo

July 28, 2021 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8 - K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) July 28, 2021 PEOPLES FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Mississippi (State or Other Jurisdiction of Incorporation) 001-12103 (Commission File Number) 64-0709834 (IRS Employer Identification No.

June 28, 2021 11-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 ☒ ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 ☒ ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2020 or ☐ TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission file number 001

June 28, 2021 11-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 ☒ ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 ☒ ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2020 or ☐ TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission file number 001

May 20, 2021 DEFA14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8 - K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) May 19, 2021 PEOPLES FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Mississippi (State or Other Jurisdiction of Incorporation) 001-12103 (Commission File Number) 64-0709834 (IRS Employer Identification No.

May 20, 2021 8-K

Other Events, Submission of Matters to a Vote of Security Holders

8-K 1 pfbx202105208k.htm FORM 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8 - K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) May 19, 2021 PEOPLES FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Mississippi (State or Other Jurisdiction of Incorpor

May 12, 2021 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 or 15 (D) OF THE SECURITIES EXCHANGE ACT OF 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ? QUARTERLY REPORT PURSUANT TO SECTION 13 or 15 (D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2021 or ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number 001-12103 PEOPLES FINANCIAL CORPORATION (Exact name of registran

May 6, 2021 DEFA14A

- FORM DEFA14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A INFORMATION (Rule 14a-101) Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ? Filed by a Party other than the Registrant ? Check the appropriate box: ? Preliminary Proxy Statement ? Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2

May 5, 2021 DEFA14A

- FORM DEFA14A

DEFA14A 1 pfbx20210505defa14a.htm FORM DEFA14A UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A INFORMATION (Rule 14a-101) Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the C

May 5, 2021 DFAN14A

-

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of The Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ? Filed by a Party other than the Registrant ? Check the appropriate box: ? Preliminary Proxy Statement ? Confide

May 5, 2021 SC 13D/A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D Under the Securities Exchange Act of 1934 (Amendment No. 9) PEOPLES FINANCIAL CORPORATION (Name of Issuer) Common Stock, par value $1.00 per share (Title of Class of

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D Under the Securities Exchange Act of 1934 (Amendment No. 9) PEOPLES FINANCIAL CORPORATION (Name of Issuer) Common Stock, par value $1.00 per share (Title of Class of Securities) 71103B102 (CUSIP Number) Mr. Joseph Stilwell 111 Broadway, 12th Floor New York, New York 10006 Telephone: (212) 269-1551 (Name, Address a

May 5, 2021 DFAN14A

- DFAN14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A (RULE 14a-101) Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ? Filed by a Party other than the Registrant x Check the appropriate box: ? Preliminary Proxy Statement ? Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ? Definit

May 5, 2021 DFAN14A

- DFAN14A

DFAN14A 1 tm2115270d3dfan14a.htm DFAN14A UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A (RULE 14a-101) Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ¨ Filed by a Party other than the Registrant x Check the appropriate box: ¨ Preliminary Proxy Statement ¨ Confidential, for Use of the Commission Only (as

May 3, 2021 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

8-K 1 pfbx202104298k.htm FORM 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8 - K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) May 3, 2021 PEOPLES FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Mississippi (State or Other Jurisdiction of Incorpora

May 3, 2021 EX-99.1

Gulf South Bank Conference Presentation dated May 3, 2021

Exhibit 99.1

April 28, 2021 EX-99.1

PEOPLES FINANCIAL CORPORATION ANNOUNCES NEW STOCK REPURCHASE PROGRAM

Exhibit 99.1 Press Release Dated April 28, 2021 FOR IMMEDIATE RELEASE For more information, contact: Chevis C. Swetman, President and CEO 228-435-8205 [email protected] PEOPLES FINANCIAL CORPORATION ANNOUNCES NEW STOCK REPURCHASE PROGRAM BILOXI, MS (April 28, 2021) ?- The board of directors of Peoples Financial Corporation (the ?Company?)(OTCQX Best Market: PFBX), parent of The Peoples Bank

April 28, 2021 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8 - K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) April 28, 2021 PEOPLES FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Mississippi (State or Other Jurisdiction of Incorporation) 001-12103 (Commission File Number) 64-0709834 (IRS Employer Identification No.

April 23, 2021 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

8-K 1 pfbx202104228k.htm FORM 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8 - K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) April 23, 2021 PEOPLES FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Mississippi (State or Other Jurisdiction of Incorp

April 23, 2021 EX-99.1

Burkenroad Reports Virtual Investment Conference Presentation dated April 23, 2021

Exhibit 99.1

April 20, 2021 EX-99.7

The Stilwell Group 111 Broadway, 12th Floor New York, NY 10006 (212) 269-1551

Exhibit 7 The Stilwell Group 111 Broadway, 12th Floor New York, NY 10006 (212) 269-1551 Info@StilwellGroup.

April 20, 2021 DFAN14A

- DFAN14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A (RULE 14a-101) Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ? Filed by a Party other than the Registrant x Check the appropriate box: ? Preliminary Proxy Statement ? Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ? Definit

April 20, 2021 SC 13D/A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D Under the Securities Exchange Act of 1934 (Amendment No. 8 ) PEOPLES FINANCIAL CORPORATION (Name of Issuer) Common Stock, par value $1.00 per share (Title of Class o

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D Under the Securities Exchange Act of 1934 (Amendment No. 8 ) PEOPLES FINANCIAL CORPORATION (Name of Issuer) Common Stock, par value $1.00 per share (Title of Class of Securities) 71103B102 (CUSIP Number) Mr. Joseph Stilwell 111 Broadway, 12th Floor New York, New York 10006 Telephone: (212) 269-1551 (Name, Address

April 19, 2021 EX-99.1

PEOPLES FINANCIAL CORPORATION REPORTS RESULTS FOR THE FIRST QUARTER OF 2021

EX-99.1 2 ex241654.htm EXHIBIT 99.1 Exhibit 99.1: Peoples Financial Corporation Press Release Dated April 19, 2021 FOR IMMEDIATE RELEASE For more information, contact: Chevis C. Swetman, President and CEO 228-435-8205 [email protected] PEOPLES FINANCIAL CORPORATION REPORTS RESULTS FOR THE FIRST QUARTER OF 2021 BILOXI, MS (April 19, 2021)—Peoples Financial Corporation (the “Company”)(OTCQX Be

April 19, 2021 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8 - K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) April 19, 2021 PEOPLES FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Mississippi (State or Other Jurisdiction of Incorporation) 001-12103 (Commission File Number) 64-0709834 (IRS Employer Identification No.

April 19, 2021 DFAN14A

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DFAN14A 1 dfan14a1031801904192021.htm UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of The Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ☐ Filed by a Party other than the Registrant ☒ Check the appropriate box: ☐

April 19, 2021 DFAN14A

- DFAN14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A (RULE 14a-101) Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ? Filed by a Party other than the Registrant x Check the appropriate box: ? Preliminary Proxy Statement ? Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ? Definit

April 15, 2021 DEFC14A

- FORM DEFC14A

DEFC14A 1 pfbx20210409defc14a.htm FORM DEFC14A UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A INFORMATION (Rule 14a-101) Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the C

April 9, 2021 CORRESP

April 9, 2021

Thomas E. Walker, Jr. D: 601.949.4631 F: 601.949.4861 [email protected] April 9, 2021 VIA EDGAR Division of Corporation Finance Office of Mergers and Acquisitions Securities and Exchange Commission 100 F Street, N.E. Washington, D.C. 20549 Attention: Valian A. Afshar, Special Counsel Re: Peoples Financial Corporation Preliminary Proxy Statement on Schedule 14A Filed on April 2, 2021 Commissi

April 9, 2021 PRER14A

- FORM PRER14A

AMENDED PRELIMINARY PROXY STATEMENT SUBJECT TO COMPLETION ? DATED APRIL 9, 2021 UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.

April 8, 2021 DFAN14A

- DFAN14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A (RULE 14a-101) Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ? Filed by a Party other than the Registrant x Check the appropriate box: ? Preliminary Proxy Statement ? Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ? Definit

April 8, 2021 SC 13D/A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D Under the Securities Exchange Act of 1934 (Amendment No. 7 ) PEOPLES FINANCIAL CORPORATION (Name of Issuer) Common Stock, par value $1.00 per share (Title of Class o

SC 13D/A 1 tm2112478d2sc13da.htm SCHEDULE 13D/A UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D Under the Securities Exchange Act of 1934 (Amendment No. 7 ) PEOPLES FINANCIAL CORPORATION (Name of Issuer) Common Stock, par value $1.00 per share (Title of Class of Securities) 71103B102 (CUSIP Number) Mr. Joseph Stilwell 111 Broadway, 12th Floor New York, New York

April 8, 2021 EX-99.6

The Stilwell Group 111 Broadway, 12th Floor New York, NY 10006 (212) 269-1551

Exhibit 6 The Stilwell Group 111 Broadway, 12th Floor New York, NY 10006 (212) 269-1551 Info@StilwellGroup.

April 8, 2021 DFAN14A

- DFAN14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A (RULE 14a-101) Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant o Filed by a Party other than the Registrant x Check the appropriate box: ? Preliminary Proxy Statement ? Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ? Definit

April 5, 2021 DFAN14A

- DFAN14A

DFAN14A 1 tm2112151d2dfan14a.htm DFAN14A UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A (RULE 14a-101) Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ¨ Filed by a Party other than the Registrant x Check the appropriate box: ¨ Preliminary Proxy Statement ¨ Confidential, for Use of the Commission Only (as

April 5, 2021 SC 13D/A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D Under the Securities Exchange Act of 1934 (Amendment No. 6 ) PEOPLES FINANCIAL CORPORATION (Name of Issuer) Common Stock, par value $1.00 per share (Title of Class o

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D Under the Securities Exchange Act of 1934 (Amendment No. 6 ) PEOPLES FINANCIAL CORPORATION (Name of Issuer) Common Stock, par value $1.00 per share (Title of Class of Securities) 71103B102 (CUSIP Number) Mr. Joseph Stilwell 111 Broadway, 12th Floor New York, New York 10006 Telephone: (212) 269-1551 (Name, Address

April 2, 2021 PREC14A

- FORM PREC14A

PREC14A 1 pfbx20210331prec14a.htm FORM PREC14A PRELIMINARY PROXY STATEMENT SUBJECT TO COMPLETION – DATED APRIL 2, 2021 UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A INFORMATION (Rule 14a-101) Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropr

April 2, 2021 CORRESP

Thomas E. Walker, Jr.

Thomas E. Walker, Jr. D: 601.949.4631 F: 601.949.4861 [email protected] April 2, 2021 Securities and Exchange Commission Washington, DC 20549 Re: Preliminary Proxy Soliciting Materials for the Annual Meeting of Shareholders Peoples Financial Corporation Commission File No. 001-12103 Ladies and Gentlemen: Peoples Financial Corporation (the ?Company?) has filed preliminary proxy solicitation m

March 31, 2021 DFAN14A

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DFAN14A 1 dfan14a1031801903302021.htm UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of The Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ☐ Filed by a Party other than the Registrant ☒ Check the appropriate box: ☐

March 29, 2021 DEFC14A

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UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (Rule 14a-101) Information Required in Proxy Statement Schedule 14a Information Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ? Filed by a Party other than the Registrant x Check the appropriate box: ? Preliminary Proxy Statement ? Confidential, for Use of

March 29, 2021 EX-99.5

The Stilwell Group 111 Broadway, 12th Floor New York, NY 10006 (212) 269-1551 March 29, 2021

Exhibit 5 The Stilwell Group 111 Broadway, 12th Floor New York, NY 10006 (212) 269-1551 Info@StilwellGroup.

March 29, 2021 SC 13D/A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D Under the Securities Exchange Act of 1934 (Amendment No. 5 ) PEOPLES FINANCIAL CORPORATION (Name of Issuer) Common Stock, par value $1.00 per share (Title of Class o

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D Under the Securities Exchange Act of 1934 (Amendment No. 5 ) PEOPLES FINANCIAL CORPORATION (Name of Issuer) Common Stock, par value $1.00 per share (Title of Class of Securities) 71103B102 (CUSIP Number) Mr. Joseph Stilwell 111 Broadway, 12th Floor New York, New York 10006 Telephone: (212) 269-1551 (Name, Address

March 29, 2021 EX-3.1

Articles of Incorporation

EX-3.1 2 ex236572.htm EXHIBIT 3.1 Exhibit 3.1 RESTATED ARTICLES OF INCORPORATION OF PEOPLES FINANCIAL CORPORATION The Articles of Incorporation of Peoples Financial Corporation ("Corporation") are hereby restated pursuant to § 79-4-10.07 to read in their entirety as follows: FIRST: The name of the Corporation is Peoples Financial Corporation. SECOND: The period of its duration is ninety-nine (99)

March 29, 2021 10-K

Annual Report - FORM 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K ? ANNUAL REPORT PURSUANT TO SECTION 13 OR 15 (d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2020 OR ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15 (d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 001-12103 PEOPLES FINANCIAL CORPOR

March 29, 2021 DFAN14A

- DFAN14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A (RULE 14a-101) Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ? Filed by a Party other than the Registrant x Check the appropriate box: ? Preliminary Proxy Statement ? Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ? Definit

March 29, 2021 EX-3.2

BYLAWS PEOPLES FINANCIAL CORPORATION BILOXI, MISSISSIPPI Adopted March 21, 1985 As Amended January 27, 2021 PEOPLES FINANCIAL CORPORATION BILOXI, MISSISSIPPI ARTICLE I OFFICES

EX-3.2 3 ex236573.htm EXHIBIT 3.2 Exhibit 3.2 BYLAWS OF PEOPLES FINANCIAL CORPORATION BILOXI, MISSISSIPPI Adopted March 21, 1985 As Amended January 27, 2021 PEOPLES FINANCIAL CORPORATION BILOXI, MISSISSIPPI BYLAWS ARTICLE I OFFICES Section 1.01 Principal Office. The principal office of PFC (`the Corporation") shall be at Biloxi, Harrison County, Mississippi. The Corporation may have such other off

March 29, 2021 EX-4.1

Description of Common Stock

Exhibit 4.1 DESCRIPTION OF THE REGISTRANT?S SECURITIES REGISTERED PURSUANT TO SECTION 12 OF THE SECURITIES EXCHANGE ACT OF 1934 The following summary of the terms of our capital stock is not meant to be complete and is qualified by reference to the relevant provisions of the Mississippi Business Corporation Act and our amended and restated articles of incorporation, as amended (our ?articles of in

March 29, 2021 DFAN14A

- DFAN14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A (RULE 14a-101) Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ? Filed by a Party other than the Registrant x Check the appropriate box: ? Preliminary Proxy Statement ? Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ? Definit

March 29, 2021 DFAN14A

-

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of The Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ? Filed by a Party other than the Registrant ? Check the appropriate box: ? Preliminary Proxy Statement ? Confide

March 24, 2021 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8 - K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) March 24, 2021 PEOPLES FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Mississippi (State or Other Jurisdiction of Incorporation) 001-12103 (Commission File Number) 64-0709834 (IRS Employer Identification No.

March 24, 2021 EX-99.1

PEOPLES FINANCIAL CORPORATION INCREASES DIVIDEND 400%

EX-99.1 2 ex236272.htm EXHIBIT 99.1 Exhibit 99.1: Peoples Financial Corporation Press Release Dated March 24, 2021 For more information, contact: Chevis C. Swetman, President and CEO 228-435-8205 [email protected] FOR IMMEDIATE RELEASE PEOPLES FINANCIAL CORPORATION INCREASES DIVIDEND 400% BILOXI, MS (March 24, 2021) ── The board of directors of Peoples Financial Corporation (OTCQX Best Marke

March 24, 2021 PRRN14A

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UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (Rule 14a-101) Information Required in Proxy Statement Schedule 14a Information Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. 1) Filed by the Registrant ? Filed by a Party other than the Registrant x Check the appropriate box: x Preliminary Proxy Statement ? Confid

March 17, 2021 PREC14A

-

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (Rule 14a-101) Information Required in Proxy Statement Schedule 14a Information Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ¨ Filed by a Party other than the Registrant x Check the appropriate box: x Preliminary Proxy Statement ¨ Confide

March 17, 2021 DFAN14A

- DFAN14A

DFAN14A 1 tm2110099d2dfan14a.htm DFAN14A UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A (RULE 14a-101) Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant o Filed by a Party other than the Registrant x Check the appropriate box: ¨ Preliminary Proxy Statement ¨ Confidential, for Use of the Commission Only (as

March 17, 2021 EX-99.4

LETTER TO SHAREHOLDERS The Stilwell Group 111 Broadway, 12th Floor New York, NY 10006 (212) 269-1551

Exhibit 4 LETTER TO SHAREHOLDERS The Stilwell Group 111 Broadway, 12th Floor New York, NY 10006 (212) 269-1551 Info@StilwellGroup.

March 17, 2021 SC 13D/A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D Under the Securities Exchange Act of 1934 (Amendment No. 4 ) PEOPLES FINANCIAL CORPORATION (Name of Issuer) Common Stock, par value $1.00 per share (Title of Class o

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D Under the Securities Exchange Act of 1934 (Amendment No. 4 ) PEOPLES FINANCIAL CORPORATION (Name of Issuer) Common Stock, par value $1.00 per share (Title of Class of Securities) 71103B102 (CUSIP Number) Mr. Joseph Stilwell 111 Broadway, 12th Floor New York, New York 10006 Telephone: (212) 269-1551 (Name, Address

March 16, 2021 DFAN14A

- DFAN14A

DFAN14A 1 tm219959-1dfan14a.htm DFAN14A UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A (RULE 14a-101) Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ¨ Filed by a Party other than the Registrant x Check the appropriate box: ¨ Preliminary Proxy Statement ¨ Confidential, for Use of the Commission Only (as

March 12, 2021 EX-99.3

NOMINEE AGREEMENT

EX-99.3 2 tm219601d1ex-3.htm EXHIBIT 3 Exhibit 3 NOMINEE AGREEMENT This Nominee Agreement is made this 16th day of February 2021, by and among Stilwell Activist Investments, L.P., Stilwell Activist Fund, L.P., and Stilwell Value Partners VII, L.P., (collectively, the “Stilwell Funds”), their General Partner, Stilwell Value LLC (“Stilwell Value” and together with the Stilwell Funds, “The Stilwell G

March 12, 2021 DFAN14A

- DFAN14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A (RULE 14a-101) Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ¨ Filed by a Party other than the Registrant x Check the appropriate box: ¨ Preliminary Proxy Statement ¨ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ¨ Definit

March 12, 2021 SC 13D/A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D Under the Securities Exchange Act of 1934 (Amendment No. 3 ) PEOPLES FINANCIAL CORPORATION (Name of Issuer) Common Stock, par value $1.00 per share (Title of Class o

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D Under the Securities Exchange Act of 1934 (Amendment No. 3 ) PEOPLES FINANCIAL CORPORATION (Name of Issuer) Common Stock, par value $1.00 per share (Title of Class of Securities) 71103B102 (CUSIP Number) Mr. Joseph Stilwell 111 Broadway, 12th Floor New York, New York 10006 Telephone: (212) 269-1551 (Name, Address

March 11, 2021 DEFA14A

- FORM DEFA14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A INFORMATION (Rule 14a-101) Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ? Filed by a Party other than the Registrant ? Check the appropriate box: ? Preliminary Proxy Statement ? Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2

March 11, 2021 8-K

Submission of Matters to a Vote of Security Holders

8-K 1 pfbx202103118k.htm FORM 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8 - K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) March 10, 2021 PEOPLES FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Mississippi (State or Other Jurisdiction of Incorp

February 22, 2021 EX-99.1

PEOPLES FINANCIAL CORPORATION ANNOUNCES RECOVERY OF $4,510,359 ON PREVIOUSLY CHARGED OFF LOAN

Exhibit 99.1: Peoples Financial Corporation Press Release Dated February 22, 2021 FOR IMMEDIATE RELEASE For more information, contact: Chevis C. Swetman, President and CEO 228-435-8205 [email protected] PEOPLES FINANCIAL CORPORATION ANNOUNCES RECOVERY OF $4,510,359 ON PREVIOUSLY CHARGED OFF LOAN BILOXI, MS (February 22, 2021) ── Peoples Financial Corporation (OTCQX Best Market: PFBX), parent

February 22, 2021 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

8-K 1 pfbx202102228k.htm FORM 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8 - K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) February 22, 2021 PEOPLES FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Mississippi (State or Other Jurisdiction of Inc

February 12, 2021 SC 13G/A

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G/A (Rule 13d-102) INFORMATION TO BE INCLUDED IN STATEMENTS FILED PURSUANT TO RULE 13d-1(b), (c), AND (d) AND AMENDMENTS THERETO FILED PURSUANT TO RULE 13d-2(b) (Amendment No. 1)

SC 13G/A 1 fp0062243sc13ga.htm SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G/A (Rule 13d-102) INFORMATION TO BE INCLUDED IN STATEMENTS FILED PURSUANT TO RULE 13d-1(b), (c), AND (d) AND AMENDMENTS THERETO FILED PURSUANT TO RULE 13d-2(b) (Amendment No. 1) Peoples Financial Corporation (Name of Issuer) Common Stock (Title of Class of Securities) 71103B102 (CUSIP Number) Decem

February 11, 2021 SC 13G/A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G/A Under the Securities Exchange Act of 1934 (Amendment No. 5)*

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G/A Under the Securities Exchange Act of 1934 (Amendment No. 5)* Peoples Financial Corporation (Name of Issuer) Common Stock, $1 par value (Title of Class of Securities) 71103B102 (CUSIP Number) December 31, 2020 (Date of Event which Requires Filing of this Statement) Check the appropriate box to designate the rule

February 11, 2021 DEF 14A

- FORM DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A INFORMATION (Rule 14a-101) Proxy Statement Pursuant to section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2

February 9, 2021 EX-99.2

The Stilwell Group 111 Broadway, 12th Floor New York, NY 10006 (212) 269-1551

EX-99.2 2 tm215923d2ex2.htm EXHIBIT 2 Exhibit 2 The Stilwell Group 111 Broadway, 12th Floor New York, NY 10006 (212) 269-1551 [email protected] February 9, 2021 Dear Fellow PFBX Owner, For a generation, our Company has performed dismally. Earnings are subpar; loan underwriting is poor; capital allocation is seemingly nonexistent; expenses are bloated; dividends are meager; and the shareholder

February 9, 2021 SC 13D/A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D Under the Securities Exchange Act of 1934 (Amendment No. 2 ) PEOPLES FINANCIAL CORPORATION (Name of Issuer) Common Stock, par value $1.00 per share (Title of Class o

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D Under the Securities Exchange Act of 1934 (Amendment No. 2 ) PEOPLES FINANCIAL CORPORATION (Name of Issuer) Common Stock, par value $1.00 per share (Title of Class of Securities) 71103B102 (CUSIP Number) Mr. Joseph Stilwell 111 Broadway, 12th Floor New York, New York 10006 Telephone: (212) 269-1551 (Name, Address

February 9, 2021 DFAN14A

- DFAN14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A (RULE 14a-101) Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ¨ Filed by a Party other than the Registrant x Check the appropriate box: ¨ Preliminary Proxy Statement ¨ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ¨ Definit

February 9, 2021 DFAN14A

- DFAN14A

DFAN14A 1 tm215923d3dfan14a.htm DFAN14A UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A (RULE 14a-101) Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant o Filed by a Party other than the Registrant x Check the appropriate box: ¨ Preliminary Proxy Statement ¨ Confidential, for Use of the Commission Only (as

February 2, 2021 SC 13G/A

SECURITIES AND EXCHANGE COMMISSION

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 22) Peoples Financial Corporation (Name of Issuer) Common Stock (Title of Class of Securities) 71103B102 (CUSIP Number) Check the appropriate box to designate the rule pursuant to which this Schedule is filed: [ ] Rule 13d-1(b) [x] Rule 13d-1(c) [ ] Rule 13d-1(d) *The rem

January 28, 2021 PRE 14A

- FORM PRE 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A INFORMATION (Rule 14a-101) Proxy Statement Pursuant to section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☒ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2

January 27, 2021 8-K

Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8 - K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) January 27, 2021 PEOPLES FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Mississippi (State or Other Jurisdiction of Incorporation) 001-12103 64-0709834 (Commission File Number) (IRS Employer Identification No.

January 27, 2021 EX-3.1

Amendments to the Company Bylaws as of January 27, 2021.

EX-3.1 2 ex222947.htm EXHIBIT 3.1 Exhibit 3.1 AMENDMENTS TO BYLAWS PEOPLES FINANCIAL CORPORATION 1. The Bylaws shall be amended by deleting Section 2.12 of Article II in its entirety which presently reads as follows: “Cumulative Voting. At each election for Directors every stockholder entitled to vote at such election shall have the right to vote, in person or by proxy, the number of shares owned

January 27, 2021 EX-99.1

PEOPLES FINANCIAL CORPORATION REPORTS RESULTS FOR THE FOURTH QUARTER OF 2020

Exhibit 99.1: Peoples Financial Corporation Press Release Dated January 27, 2021 FOR IMMEDIATE RELEASE For more information, contact: Chevis C. Swetman, President and CEO 228-435-8205 [email protected] PEOPLES FINANCIAL CORPORATION REPORTS RESULTS FOR THE FOURTH QUARTER OF 2020 BILOXI, MS (January 27, 2021)—Peoples Financial Corporation (OTCQX Best Market: PFBX), parent of The Peoples Bank,

December 23, 2020 SC 13D/A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D Under the Securities Exchange Act of 1934 (Amendment No. 1 ) PEOPLES FINANCIAL CORPORATION (Name of Issuer) Common Stock, par value $1.00 per share (Title of Class o

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D Under the Securities Exchange Act of 1934 (Amendment No. 1 ) PEOPLES FINANCIAL CORPORATION (Name of Issuer) Common Stock, par value $1.00 per share (Title of Class of Securities) 71103B102 (CUSIP Number) Mr. Joseph Stilwell 111 Broadway, 12th Floor New York, New York 10006 Telephone: (212) 269-1551 (Name, Address

November 23, 2020 SC 13D

PFBX / Peoples Financial Corp. / STILWELL JOSEPH - SC 13D Activist Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D Under the Securities Exchange Act of 1934 (Amendment No. ) PEOPLES FINANCIAL CORPORATION (Name of Issuer) Common Stock, par value $1.00 per share (Title of Class of Securities) 71103B102 (CUSIP Number) Mr. Joseph Stilwell 111 Broadway, 12th Floor New York, New York 10006 Telephone: (212) 269-1551 (Name, Address an

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