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PFBX Stock Chart & Stats
$22.58
$0.21(0.93%)
At close: 4:00 PM EDT
$22.58
$0.21(0.93%)
Day’s Range― - ―
52-Week Range$19.83 - $24.00
Previous CloseN/A
Volume536.00
Average Volume (3M)613.00
Market Cap
$105.07M
Enterprise Value$39.63
Total Cash (Recent Filing)$356.48M
Total Debt (Recent Filing)$0.00
Price to Earnings (P/E)28.4
Beta0.12
Next Earnings
Oct 28, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield1.58%
Share Statistics
EPS (TTM)0.80
Shares Outstanding4,617,466
10 Day Avg. Volume158
30 Day Avg. Volume613
Financial Highlights & Ratios
PEG Ratio-0.29
Price to Book (P/B)0.93
Price to Sales (P/S)3.42
P/FCF Ratio22.38
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
Conservative Balance SheetEssentially no debt and a stable equity base materially lower financial risk and provide durable flexibility. This conservative capital structure supports lending through downturns, cushions credit losses, and enables strategic actions (capital returns or selective acquisitions) without forcing distress financing.
Solid Cash GenerationFree cash flow roughly equaling net income indicates reported profits are largely backed by cash, supporting sustainable operations and internal funding. Consistent cash conversion enhances the bank's ability to service deposits, fund loan growth, and maintain capital returns without relying on volatile external financing.
Traditional Community Bank FranchiseA deposit-funded, net-interest-income-driven model with fee income is structurally stable for a community bank. Local deposit sticks and diversified fee streams reduce reliance on wholesale funding, supporting predictable margin capture and long-term customer relationships in the bank's regional markets.
Bears Say
Declining Revenue TrendA persistent top-line decline compresses long-term growth optionality and can limit reinvestment in products or branches. If loan demand or fee volumes remain weak, sustaining growth and offsetting margin pressures becomes harder, challenging the bank's ability to expand earnings sustainably.
Low Returns On EquityROE near 4% signals modest profitability versus the capital base, limiting shareholder return potential and capital efficiency. Low ROE reduces flexibility for organic capital deployment, makes dividend increases or buybacks harder, and may pressure management to pursue higher-risk growth to lift returns.
Choppy Multi-year Cash Flow PatternAlthough cash conversion is currently strong, variability across years undermines predictability of internal funding. Episodic FCF makes planning for dividends, loan growth, or technology investments less reliable and raises the risk that temporary weakness could force slower strategic initiatives.
Peoples Financial News
PFBX FAQ
What was Peoples Financial Corp.’s price range in the past 12 months?
Peoples Financial Corp. lowest stock price was $19.83 and its highest was $24.00 in the past 12 months.
What is Peoples Financial Corp.’s market cap?
Peoples Financial Corp.’s market cap is $105.07M.
When is Peoples Financial Corp.’s upcoming earnings report date?
Peoples Financial Corp.’s upcoming earnings report date is Oct 28, 2026 which is in 73 days.
How were Peoples Financial Corp.’s earnings last quarter?
Currently, no data Available
Is Peoples Financial Corp. overvalued?
According to Wall Street analysts Peoples Financial Corp.’s price is currently Overvalued.
Does Peoples Financial Corp. pay dividends?
Peoples Financial Corp. pays a Semiannually dividend of $0.18 which represents an annual dividend yield of 1.58%. See more information on Peoples Financial Corp. dividends here
What is Peoples Financial Corp.’s EPS estimate?
Peoples Financial Corp.’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Peoples Financial Corp. have?
Peoples Financial Corp. has 4,617,466 shares outstanding.
What happened to Peoples Financial Corp.’s price movement after its last earnings report?
Currently, no data Available
Which hedge fund is a major shareholder of Peoples Financial Corp.?
Currently, no hedge funds are holding shares in PFBX
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Peoples Financial Stock Smart Score
Neutral
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10
Technicals
SMA
Positive
20 days / 200 days
Momentum
19.99%
12-Months-Change
Fundamentals
Return on Equity
1.58%
Trailing 12-Months
Asset Growth
0.94%
Trailing 12-Months
Company Description
Peoples Financial Corp.
Peoples Financial Corporation functions as the bank holding company for The Peoples Bank, delivering a comprehensive suite of banking, financial, and trust services. These offerings cater to individuals, governmental bodies, and both small and commercial enterprises throughout Mississippi. Its deposit portfolio includes interest and non-interest-bearing checking accounts, savings accounts, certificates of deposit, and various individual retirement accounts (IRAs). The corporation extends a diverse range of lending solutions, encompassing business, commercial, real estate, construction, personal, and installment loans. Furthermore, it manages personal trusts, agencies, and estate services, such as living and testamentary trusts, executorships, guardianships, and conservatorships. For its corporate clientele, the company facilitates self-directed IRAs, alongside escrow management, stock transfer, and bond paying agency accounts. Additional conveniences comprise safe deposit box rentals, wire transfer capabilities, night drop facilities, collection services, cash management, and internet banking. By December 31, 2021, the company maintained 17 branch locations across Harrison, Hancock, Jackson, and Stone counties. Its network also featured 28 automated teller machines (ATMs) situated at its branches and various off-site or non-proprietary locations. Established in 1896, the corporation is headquartered in Biloxi, Mississippi.
Technical Analysis
Ownership Overview
33.99% Insiders
16.92% Other Institutional Investors
49.09% Public Companies and
Individual Investors