Peoples Financial Corp. (PFBX)
OTHER OTC:PFBX
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PFBX Stock Chart & Stats
$20.62
$0.00(0.00%)
At close: 4:00 PM EST
$20.62
$0.00(0.00%)
Day’s Range― - ―
52-Week Range$19.58 - $22.54
Previous CloseN/A
Volume7.00
Average Volume (3M)613.00
Market Cap
$98.14M
Enterprise Value$40.74M
Total Cash (Recent Filing)$380.93M
Total Debt (Recent Filing)$0.00
Price to Earnings (P/E)24.2
Beta0.07
Next Earnings
Jul 29, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield1.76%
Share Statistics
EPS (TTM)0.88
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 Cap0.42
Enterprise Value/Revenue1.56
Enterprise Value/Gross Profit1.46
Enterprise Value/Ebitda6.20
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 SheetA near-zero debt profile and a stable equity base (~$101M) materially reduce financial risk, giving the bank flexibility to absorb credit losses, fund lending or buybacks, and maintain regulatory ratios. This conservatism supports resilience across economic cycles.
Solid Cash GenerationFree cash flow nearly matches net income and positive operating cash (~$4.6M TTM) indicate earnings are backed by cash, supporting recurring capital needs, dividend capacity and loan originations. Reliable cash conversion strengthens funding self-sufficiency.
Governance ContinuityShareholder support for the incumbent board, auditor ratification and approval of executive pay reduce governance uncertainty and turnover risk. This continuity aids steady execution of strategy, consistent oversight and smoother regulatory and audit relationships.
Bears Say
Top-line WeaknessA persistent TTM revenue decline signals weakening loan growth, fee income or both; over several quarters this erodes the bank's growth runway, pressures reinvestment and makes it harder to expand margins or cover fixed costs without restoring origination or deposit momentum.
Low And Falling ROESub-5% returns on equity, trending down from stronger years, indicate limited profitability relative to capital. Persistently low ROE constrains the firm’s ability to generate shareholder value, may limit retained-earnings growth, and reduces flexibility for strategic investments.
Choppy Multi-year Cash Flow PatternAlthough cash conversion is currently good, uneven free cash flow across years increases uncertainty for capital allocation, provisioning and dividend predictability. This variability complicates planning and raises the risk of funding shortfalls in adverse conditions.
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 $19.58 and its highest was $22.54 in the past 12 months.
What is Peoples Financial Corp.’s market cap?
Peoples Financial Corp.’s market cap is $98.14M.
When is Peoples Financial Corp.’s upcoming earnings report date?
Peoples Financial Corp.’s upcoming earnings report date is Jul 29, 2026 which is in 51 days.
How were Peoples Financial Corp.’s earnings last quarter?
Peoples Financial Corp. released its earnings results on Apr 22, 2026. The company reported $0.313 earnings per share for the quarter, beating the consensus estimate of N/A by $0.313.
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 1.76%. 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?
Peoples Financial Corp. reported an EPS of $0.313 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went same 0%.
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
Company Description
Peoples Financial Corp.
Peoples Financial Corporation operates as the bank holding company for The Peoples Bank that provides banking, financial, and trust services to government entities, individuals, and small and commercial businesses in Mississippi. It accepts various deposits, such as interest and non-interest-bearing checking accounts, savings accounts, certificates of deposit, and individual retirement accounts (IRAs). The company also offers business, commercial, real estate, construction, personal, and instalment loans; and personal trust, agencies, and estate services, including living and testamentary trusts, executorships, guardianships, and conservatorships. In addition, it provides self-directed IRAs; and escrow management, stock transfer, and bond paying agency accounts to corporate customers. Further, the company offers various other services consisting of safe deposit box rental, wire transfer, night drop facilities, collection, cash management, and internet banking services. As of December 31, 2021, the company operated through 17 branches located in Harrison, Hancock, Jackson, and Stone counties. It also has 28 automated teller machines at its branch locations, as well as other off-site and non-proprietary locations. The company was founded in 1896 and is headquartered in Biloxi, Mississippi.
Technical Analysis
Ownership Overview
37.51% Insiders
16.92% Other Institutional Investors
45.57% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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