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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$19.81 - $23.10
Previous CloseN/A
Volume7.00
Average Volume (3M)613.00
Market Cap
$104.24M
Enterprise Value$39.63
Total Cash (Recent Filing)$380.93M
Total Debt (Recent Filing)$0.00
Price to Earnings (P/E)26.0
Beta0.08
Next Earnings
Oct 28, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield1.59%
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 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 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 $19.81 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 $104.24M.
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 94 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 1.59%. 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
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
37.62% Insiders
16.92% Other Institutional Investors
45.46% Public Companies and
Individual Investors