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Peoples Financial (PFBX) Price & Analysis

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PFBX Stock Chart & Stats

$20.62

$0.00(0.00%)

At close: Dec 31 4:00 PM EST

$20.62

$0.00(0.00%)

Day’s Range― - ―

52-Week Range$19.80 - $23.10

Previous CloseN/A

Volume7.00

Average Volume (3M)613.00

Market Cap

$98.12M

Enterprise Value$48.58M

Total Cash (Recent Filing)$380.93M

Total Debt (Recent Filing)$0.00

Price to Earnings (P/E)24.1

Beta0.10

Next Earnings

Jul 29, 2026

EPS 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 Cap0.50

Enterprise Value/Revenue1.86

Enterprise Value/Gross Profit1.74

Enterprise Value/Ebitda7.40

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

Peoples Financial Shareholders Back Board, Pay and Auditor

The latest update is out from Peoples Financial ( ($PFBX) ). Peoples Financial Corporation held its 2026 Annual...

2M ago

PFBX

PFBX FAQ

What was Peoples Financial Corp.’s price range in the past 12 months?

Peoples Financial Corp. lowest stock price was $19.80 and its highest was $23.10 in the past 12 months.

What is Peoples Financial Corp.’s market cap?

Peoples Financial Corp.’s market cap is $98.12M.

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 27 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. Get more investment ideas with TipRanks Premium

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 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.