Peoples Financial Corp. (PFBX)
OTHER OTC:PFBX
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$19.20 - $22.54
Previous CloseN/A
Volume7.00
Average Volume (3M)613.00
Market Cap
$97.22M
Enterprise Value$85.79M
Total Cash (Recent Filing)$14.24M
Total Debt (Recent Filing)$800.00K
Price to Earnings (P/E)24.0
Beta0.11
Next EarningsN/A
EPS 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 Cap0.88
Enterprise Value/Revenue3.12
Enterprise Value/Gross Profit3.12
Enterprise Value/Ebitda13.33
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
Community Banking Franchise And Local Deposit BaseA focused community bank model yields durable local deposit funding and deep customer relationships. This supports stable low-cost core deposits, consistent loan origination in commercial and consumer niches, and long-term revenue resilience versus more volatile wholesale-funded competitors.
Consistent Operating Cash Flow And Free Cash FlowSustained positive operating and free cash flow underpins internal funding for loan growth, reserve building, and shareholder distributions. Even with variability, recurring cash generation is a durable strength that enhances balance sheet flexibility and reduces reliance on external financing.
Modest Reported Leverage And Limited DebtLow reported debt levels reduce financial risk and interest expense pressure, improving resilience to adverse rate or credit cycles. Modest leverage gives the bank capacity to absorb loan losses, pursue measured growth, and maintain regulatory capital without aggressive external funding.
Bears Say
Sharp 2025 Revenue Decline And Weaker MarginA large revenue drop and step-down in net margin indicate earnings vulnerability and impaired momentum, reducing predictability of core net interest income and fee revenue. If sustained, this compresses internal capital generation and constrains reinvestment or credit expansion over months.
Volatile Reported Equity And Returns On EquityLarge swings in equity and ROE complicate capital planning and undermine confidence in sustainable profitability. Volatility can trigger regulatory scrutiny, force conservative lending or capital actions, and makes long-term shareholder return forecasts less reliable.
Inconsistent Free Cash Flow GrowthIrregular FCF growth reduces the bank's ability to consistently fund dividends, shore up reserves, or invest in franchise improvements. Over a multi-month horizon, inconsistent cash conversion increases vulnerability to cyclical credit stress and limits strategic options.
PFBX FAQ
What was Peoples Financial Corp.’s price range in the past 12 months?
Peoples Financial Corp. lowest stock price was $19.20 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 $97.22M.
When is Peoples Financial Corp.’s upcoming earnings report date?
The company’s upcoming earnings report date is not yet available.
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
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10
Technicals
SMA
Positive
20 days / 200 days
Momentum
19.99%
12-Months-Change
Fundamentals
Return on Equity
1.46%
Trailing 12-Months
Asset Growth
-12.60%
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
37.06% Insiders
16.92% Other Institutional Investors
46.02% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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