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PFBX Stock Chart & Stats
$23.80
$0.21(0.93%)
At close: 4:00 PM EDT
$23.80
$0.21(0.93%)
Day’s Range― - ―
52-Week Range$20.20 - $24.80
Previous CloseN/A
Volume536.00
Average Volume (3M)498.00
Market Cap
$113.31M
Enterprise Value$112.57
Total Cash (Recent Filing)$356.48M
Total Debt (Recent Filing)$38.50M
Price to Earnings (P/E)30.7
Beta0.13
Next Earnings
Oct 28, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield1.47%
Share Statistics
EPS (TTM)0.80
Shares Outstanding4,617,466
10 Day Avg. Volume166
30 Day Avg. Volume498
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
Low LeverageMinimal reported debt reduces solvency risk and interest burden, giving the bank greater flexibility to absorb credit or funding stress and support lending. Stable to modestly higher equity further reinforces its conservative financial position.
Positive Cash GenerationCash conversion close to one times net income indicates reported earnings are supported by cash generation rather than accruals. Persistently positive operating and free cash flow provides internal funding capacity for operations and balance-sheet needs.
Healthy Current MarginsCurrent mid-teens net margins show that the core community-banking model remains profitable despite weaker growth. This earnings base can support ongoing operations and resilience, provided credit quality and funding costs remain controlled.
Bears Say
Revenue ContractionDeclining revenue signals weaker loan demand, spread income, or fee generation and limits operating leverage. If this persists, it could pressure profitability and reduce the bank’s ability to grow its deposit, lending, and service franchise.
Earnings VolatilityThe sharp normalization after elevated 2024 earnings makes the profit base less predictable and complicates planning. Lower recurring earnings can constrain capital generation and indicate that prior results benefited from factors that were not sustained.
Modest Shareholder ReturnsModest ROE indicates the bank is generating limited profit relative to its equity base, even with conservative leverage. This may reflect weaker margins or asset productivity and could limit the efficiency of future capital deployment.
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 $20.20 and its highest was $24.80 in the past 12 months.
What is Peoples Financial Corp.’s market cap?
Peoples Financial Corp.’s market cap is $113.31M.
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 27 days.
How were Peoples Financial Corp.’s earnings last quarter?
Peoples Financial Corp. released its earnings results on Jul 22, 2026. The company reported $0.194 earnings per share for the quarter.
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 1.47%. 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 $0.194 in its last earnings report. Following the earnings report the stock price went down -0.406%.
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
17.79%
12-Months-Change
Fundamentals
Return on Equity
1.47%
Trailing 12-Months
Asset Growth
1.20%
Trailing 12-Months
Learn more about TipRanks Smart Score
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
24.73% Insiders
16.92% Other Institutional Investors
58.35% Public Companies and
Individual Investors