Stilwell Value LLC

10% owner Stilwell Joseph bought 2,657 shares for $56,461.25 across 2 transactions at PFBX, current price $21.25

Stilwell Joseph, a 10% shareholder, executed 2 separate purchases of 2,657 shares (2.7K shares) on consecutive days (July 1–2, 2026) at a blended average price of $21.25, increasing holdings from 474.5K to 477.1K shares (+0.6%). The current price of $21.25 matches the transaction price exactly, placing the trade near the lower end of the 52-week range of $19.80–$22.95 and -7.4% below the 52-week high. Notably, Stilwell has completed 5 prior acquisitions at PFBX within the recent period (May 8–May 26, 2026), all at or near similar price levels, establishing a pattern of steady accumulation at this valuation. His cross-ticker track record across 20 prior buys shows a 100% win rate with 90-day average returns of +3.2%, though outcomes at PFBX specifically are not yet measurable beyond 30 days.

10% owner Stilwell Joseph bought 1,717 shares of PFBX at $21.25; stock -5.7% from 52-week high.

Stilwell Joseph, a 10% owner of Peoples Financial Corp, purchased 1,717 shares at $21.25 on 2026-05-26, increasing holdings from 472,548 to 474,265 shares. This represents a modest 0.4% addition to his position. The purchase occurs near the lower end of the 52-week range ($19.50–$22.54), with the stock currently 5.7% below its 52-week high. Notably, Joseph has executed five trades at PFBX over a short window in May 2026, with all prior same-ticker outcomes showing flat or near-flat 90-day returns, and none of the 3 measurable prior buys proving well-timed at the 90-day mark. While his cross-ticker track record shows positive average returns (avg 90d return +2.2%, 70.59% win rate), the flat performance of recent trades at this specific ticker and the P/E of 24.15 provide limited evidence of compelling value or timing precision in his buying pattern here.

10% Owner Stilwell Joseph purchases 999 shares of PFBX at $21.25; holdings reach 472,548 shares

Stilwell Joseph, a 10% owner, bought 999 shares of PEOPLES FINANCIAL CORP /MS/ (PFBX) at $21.25 on 2026-05-18 for $21,228.75, increasing his holdings by 0.2% to 472,548 shares. The current price of $21.25 sits -5.7% from the 52-week high of $22.54, and the stock has moved +1.1% over both the 30-day and 90-day periods. His cross-ticker track record shows 20 prior buys with an average 90-day return of +2.1% and a 90d win rate of 72.22%, though at PFBX specifically, his 5 prior trades show mixed outcomes: two trades with +0.0% 90-day returns, one with -1.2%, and two still measuring. This incremental purchase represents routine portfolio activity at the holding level rather than a significant accumulation signal.

10% owner Stilwell Joseph adds 500 shares at PFBX; stock down from 52-week high despite profitable fundamentals and repeat buyer pattern.

Stilwell Joseph, a 10% institutional holder of Peoples Financial, purchased 500 shares on open market, marking his sixth purchase at this company in the 36-month window. The stock is currently trading well below its 52-week high, and the company remains profitable with stable earnings. However, Stilwell's track record at this specific ticker shows mixed timing outcomes: all five prior purchases at PFBX were followed by short-term declines within 30 days, though one recovered to modest gains at the 90-day mark, suggesting near-term weakness after his accumulation attempts. This repeat purchase comes as the stock has moved slightly higher over recent months, yet Stilwell continues to add to his already substantial holdings at prices still below the 52-week peak.

10% beneficial owner Stilwell Joseph purchases shares as stock trades below 52-week highs; prior buying pattern shows mixed near-term timing.

Stilwell Joseph, a beneficial owner holding at least 10% of PFBX, purchased shares at current market prices while the stock trades notably below its 52-week highs. This is not an insider with operational knowledge but rather an institutional holder making a portfolio management decision. Joseph has been an active buyer across his Form 4 history, with over 150 open-market purchases in the trailing three-year window against only 56 sales, suggesting a net accumulation posture across his holdings. However, his historical timing at this specific stock has been inconsistent: all five of his prior purchases at PFBX resulted in near-term declines, though one recovered modestly over a longer horizon. The company itself remains profitable with stable earnings, trading at a moderate valuation, which provides fundamental support for the stock but does not explain the pattern of declines following his prior entries. This purchase extends a buying pattern at a 10% owner who has previously accumulated shares without success timing upside—a pattern that may warrant monitoring for volume or price momentum changes, but does not inherently signal conviction given the owner's mixed track record at this specific name.

10% owner Stilwell Joseph purchases 2,212 shares; part of 3-insider buying cluster in 14-day window.

Stilwell Joseph, a beneficial 10% owner of Peoples Financial, purchased 2,212 shares on this date, adding to his already substantial stake in the profitable financial services company. This purchase is part of a noteworthy cluster: three insiders bought shares within a 14-day window, suggesting broad interest in the stock at current levels. Joseph's own track record at this ticker shows conflicting short-term and long-term results—three of four recent purchases gained value over 30 days while one showed a modest decline, but all five prior buys at this company were followed by gains over longer horizons. The stock is trading modestly below its 52-week high and has moved slightly higher over the past three months, making this purchase neither a classic dip-buy nor a chase into strength. Across all filings in the past three years, Joseph has made 150 open-market purchases and 56 sales, indicating active portfolio management rather than a concentrated long-term accumulation strategy.

10% beneficial owner Stilwell Joseph purchases 2,058 shares; joins three-insider buying cluster with proven track record at this stock.

Stilwell Joseph, a 10% beneficial owner of Peoples Financial, added to his stake with a purchase of 2,058 shares while the stock trades modestly below its recent highs—positioning that reflects continued conviction rather than panic buying at distressed levels. His purchase joins a cluster of three insider purchases within two weeks, suggesting broader confidence in the stock's outlook. Particularly noteworthy is Joseph's track record at this specific company: his five prior purchases have generated consistently positive results, with subsequent stock performance showing gains across nearly all timeframes. The company itself is profitable and trading at a reasonable valuation, providing financial foundation for the insider activity. This combination—a proven buyer adding to his position in step with other insiders, with a profitable company in the backdrop—suggests institutional-level conviction in Peoples Financial's near-term prospects.

10% owner Stilwell Joseph purchases 500 shares of PFBX in open-market buy, joining cluster of institutional activity

Stilwell Joseph, a 10% beneficial owner of Peoples Financial (likely an investment fund or institutional holder), purchased a modest 500-share stake in an open-market transaction, adding to a cluster of three buying transactions within a two-week window. This activity is not insider conviction per se, but rather portfolio rebalancing or accumulation by a major shareholder. The company itself is profitable with solid earnings and trading modestly below its recent highs after a modest recovery over the past months—not a distressed name, but not an obvious bargain either. The cluster pattern suggests institutional holders see value at current levels, though the small size of this particular transaction and the institutional nature of the buyer limits what we can infer about underlying company strength. This merits tracking as part of a broader accumulation signal, but a single fund's purchase alone doesn't constitute a major catalyst.

Insider open-market purchase of 620 shares at market price; stock trading below recent highs amid profitable operations.

An insider at Peoples Financial Corp purchased over 600 shares at the current market price, signaling confidence in the stock's value. The company remains solidly profitable with consistent quarterly earnings, though the stock is trading a few percentage points below its recent highs after a modest recovery over the past quarter. The insider is buying into fundamentals that appear sound rather than catching a falling knife—the company is generating steady earnings and the valuation reflects a reasonable multiple for a profitable regional financial institution. This purchase suggests the insider sees value at the current level, especially given that the stock has recovered somewhat from its 52-week lows. The modest size of the holding increase (less than one-tenth of a percent) limits the signal strength, but the timing and price point align with a reasoned conviction buy rather than opportunistic accumulation.

10% Owner Stilwell Joseph bought 2,657 shares of PFBX at $21.00 on 2026-03-06; fifth consecutive buy in 5 weeks.

Stilwell Joseph, a 10% owner of Peoples Financial Corp, purchased 2,657 shares at $21.00 on 2026-03-06, representing a net addition of 0.6% to his 462,213-share pre-transaction holding. This is the fifth consecutive open-market buy by this insider at PFBX within five weeks, following purchases on 2026-02-18, 2026-02-04, 2026-02-03 (two separate transactions), and 2026-01-29. The current stock price of $21.11 is only 0.5% above the transaction price and sits 6.0% below the 52-week high of $22.45; the stock has gained 2.5% over 30 days and 4.2% over 90 days. Across his cross-ticker trading history, Stilwell has achieved 83.33% win rate on buys over 90 days with an average return of 2.8%, though at PFBX specifically, his prior four measurable buys posted 30-day returns of +2.0% to +2.7%, with no 90-day outcomes yet measurable at this ticker. The absence of any 90-day well-timed buys at PFBX thus far leaves open the question of whether this series of acquisitions will track his broader cross-ticker pattern.