Peoples Financial Corp. (PFBX)
OTHER OTC:PFBX
Want to see PFBX full AI Analyst Report?
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$19.40 - $22.54
Previous CloseN/A
Volume7.00
Average Volume (3M)613.00
Market Cap
$98.58M
Enterprise Value$80.49M
Total Cash (Recent Filing)$162.07M
Total Debt (Recent Filing)$800.00K
Price to Earnings (P/E)16.8
Beta0.09
Next Earnings
Jul 29, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield1.76%
Share Statistics
EPS (TTM)N/A
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 Cap0.82
Enterprise Value/Revenue2.93
Enterprise Value/Gross Profit2.93
Enterprise Value/Ebitda12.50
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
Multi-year Profitability And Cash GenerationSustained profitability and recurring positive operating and free cash flow create a durable earnings base. This supports internal funding for lending, branch/digital investment and cushions credit stress, enabling steady operations and limited reliance on external financing over the medium term.
Conservative Leverage ProfileA low reported debt load and modest leverage provide financial resilience and regulatory flexibility. Conservative balance-sheet structure helps absorb loan losses, supports ongoing lending to local customers, and reduces refinancing risk across economic cycles.
Stable Community-bank Business ModelA traditional net-interest-income driven model, plus diversified fee sources and a branch plus digital distribution footprint, confers structural advantages: sticky deposit funding, recurring loan demand from local customers, and predictable NII sensitivity across rate cycles.
Bears Say
Sharp Recent Revenue Decline And Margin DropA large revenue drop and compression in net margin materially reduce durable earnings power and internal capital generation. If driven by waning loan originations, lower fee income, or pricing pressure, these trends can persist and limit reinvestment, dividend flexibility, and balance-sheet growth.
Volatile Equity Base And ROE SwingsWide swings in reported equity and ROE increase uncertainty about capital stability and future shareholder returns. This volatility complicates capital planning, may constrain dividend policy, and raises the probability of capital actions if profitability fails to normalize.
Inconsistent Free Cash Flow GrowthErratic free cash flow undermines the predictability of internal funding for lending and operations. Repeated declines weaken the buffer against credit losses and limit the bank's ability to invest in technology, branches, or strategic initiatives without tapping external capital.
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 $19.40 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 $98.58M.
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 89 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 1.76%. 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?
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
1
2
3
4
5
6
7
8
9
10
Technicals
SMA
Positive
20 days / 200 days
Momentum
19.99%
12-Months-Change
Fundamentals
Return on Equity
4.13%
Trailing 12-Months
Asset Growth
-9.31%
Trailing 12-Months
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
37.19% Insiders
16.92% Other Institutional Investors
45.89% Public Companies and
Individual Investors
Options Prices
Currently, No data available
---