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Peoples Financial (PFBX) Stock Price & Analysis

32 Followers

PFBX Stock Chart & Stats

$24.20$0.44(1.85%)
At close: 4:00 PM EST
$23$23.5$24$24.5Aug 31Sep 14Sep 29Oct 13Oct 27Nov 9
Day’s Range
$24.20 - $24.24
52-Week Range
$20.20 - $24.80
Previous Close
$23.77
Volume
N/A
Average Volume (3M)
403
Market Cap
$111.76M
Enterprise Value
$107.40M
Total Cash (Recent Filing)
$343.18M
Total Debt (Recent Filing)
$0
Price to Earnings (P/E)
26.9
Beta
0.14
Next Earnings
Jan 27, 2027 (Est.)
EPS Estimate
N/A
Last Dividend Ex-Date
Nov 10, 2026
Dividend Yield
1.53%

Bulls Say, Bears Say

Bulls Say

Conservative Balance Sheet

Minimal leverage and a sizable equity base provide financial resilience for a community bank. This structure can reduce balance-sheet stress, preserve flexibility during weaker operating periods, and support continued lending and banking activity without relying heavily on debt funding.

Positive Cash Generation

Positive operating and free cash flow indicate that the business is converting ongoing operations into cash. That supports funding for routine banking activities and provides an internal source of financial flexibility, even though the pace of cash-flow growth has weakened.

Healthy Current Profitability

Current profitability remains healthy for a regional bank, with solid net and EBIT margins despite a softer revenue trend. Maintaining meaningful earnings on the existing business can support capital retention and gives the company a base from which to stabilize future performance.

Bears Say

Declining Revenue Trend

The continued revenue decline points to weaker business momentum rather than a single isolated period. If the trend persists, it could constrain earnings expansion, reduce operating leverage, and make it harder for the company to grow its banking franchise over the next several quarters.

Choppy Free Cash Flow

Although free cash flow remains positive, its sharp year-over-year contraction and uneven history reduce confidence in the durability of cash conversion. Less predictable cash generation can limit the company’s ability to consistently reinvest, strengthen capital, or support shareholder distributions.

Modest Returns And Earnings Volatility

A modest recent return on equity suggests the company is generating limited earnings from its capital base. Combined with notable year-to-year profitability volatility, this weakens confidence that current earnings levels will translate into consistently improving returns over the medium term.

Peoples Financial News

PFBX FAQ

What was Peoples Financial’s price range in the past 12 months?
Peoples Financial lowest stock price was $20.20 and its highest was $24.80 in the past 12 months.
What is Peoples Financial’s market cap?
Peoples Financial’s market cap is $111.76M.
When is Peoples Financial’s upcoming earnings report date?
The company’s upcoming earnings report date is not yet available.
How were Peoples Financial’s earnings last quarter?
Peoples Financial released its earnings results on Oct 28, 2026. The company reported $0.242 earnings per share for the quarter.
Is Peoples Financial overvalued?
Not enough analysts have published a price target to calculate whether the price is overvalued.
Does Peoples Financial pay dividends?
Peoples Financial pays a semiannual dividend of $0.19 which represents an annual dividend yield of 1.53%. See more information on Peoples Financial dividends here
What is Peoples Financial’s EPS estimate?
Peoples Financial’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Peoples Financial have?
Peoples Financial has 4,617,466 shares outstanding.
What happened to Peoples Financial’s price movement after its last earnings report?
Peoples Financial reported an EPS of $0.242 in its last earnings report. Following the earnings report the stock price went up 0.063%.
Which hedge fund is a major shareholder of Peoples Financial?
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