Peoples Financial (PFBX) Stock Price, News & Analysis

Company Overview

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. The company accepts various deposits, such as interest and non-interest-bearing checking accounts, savings accounts, certificates of deposit, and individual retirement accounts (IRAs). It offers business, commercial, real estate, construction, personal, and installment loans; and personal trust, agencies, and estate services, including living and testamentary trusts, executorships, guardianships, and conservatorships. In addition, the company provides self-directed IRAs; and escrow management, stock transfer, and bond paying agency accounts to corporate customers. Further, it offers other services consisting of safe deposit box rental, wire transfer, night drop facilities, collection, cash management, and Internet banking services. the company provides services to customers of various industries, such as seafood, retail, hospitality, hotel/motel, gaming, and construction. Peoples Financial Corporation was founded in 1896 and is headquartered in Biloxi, Mississippi.

Key Stats

• Today's Range: $19.12 to $19.13
• 50-Day Range: $18.26 to $19.99
• 52-Week Range: $15.20 to $20.00
• Volume: 200 shs
• Average Volume: 120 shs
• Market Capitalization: $88.33 million
• P/E Ratio: 4.10
• Dividend Yield: 1.88%
• Price Target: N/A
• Consensus Rating: N/A

Peoples Financial Stock Analysis - MarketRank™

Peoples Financial scored higher than 31% of companies evaluated by MarketBeat. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: N/A
• Analyst Rating: N/A

Consensus Rating

There is not enough analysis data for Peoples Financial.

Earnings and Valuation

• Score: 1.3 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of Peoples Financial is 4.10, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 23.71.

Price to Earnings Ratio vs. Sector

The P/E ratio of Peoples Financial is 4.10, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 24.09.

Price to Book Value per Share Ratio

Peoples Financial has a P/B Ratio of 1.29. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.00% of the outstanding shares of Peoples Financial have been sold short.

Short Interest Ratio / Days to Cover

Peoples Financial has a short interest ratio ("days to cover") of 0.5, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Yield

Peoples Financial pays a meaningful dividend of 1.88%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

Peoples Financial does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of Peoples Financial is 7.73%. This payout ratio is at a healthy, sustainable level, below 75%.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

0.00% of the outstanding shares of Peoples Financial have been sold short.

Short Interest Ratio / Days to Cover

Peoples Financial has a short interest ratio ("days to cover") of 0.5, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

News and Social Media

• Score: 1.5 / 5
• News Sentiment: N/A

News Sentiment

Peoples Financial has a news sentiment score of 0.67. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.89 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 1 news article for Peoples Financial this week, compared to 1 article on an average week.

Company Ownership

• Score: 1.7 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Peoples Financial insiders have not sold or bought any company stock.

Percentage Held by Insiders

28.10% of the stock of Peoples Financial is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

Only 32.81% of the stock of Peoples Financial is held by institutions.

PFBX Stock Analysis - Frequently Asked Questions

How have PFBX shares performed this year?

Peoples Financial's stock was trading at $18.60 at the beginning of the year. Since then, PFBX stock has increased by 2.8% and is now trading at $19.12.
View the best growth stocks for 2025 here.

How were Peoples Financial's earnings last quarter?

Peoples Financial Co. (OTCMKTS:PFBX) issued its quarterly earnings data on Thursday, January, 23rd. The financial services provider reported $0.33 EPS for the quarter. Peoples Financial had a net margin of 54.68% and a trailing twelve-month return on equity of 26.99%.

How do I buy shares of Peoples Financial?

Shares of PFBX stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Peoples Financial own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Peoples Financial investors own include CytoDyn (CYDY), Hancock (HBHC), AT&T (T), Tutor Perini (TPC), Teck Resources (TECK.B) and Manitowoc (MTW).

Company Calendar

• Ex-Dividend for 12/13 Dividend: 12/09/2024
• Dividend Payable: 12/13/2024
• Last Earnings: 1/23/2025
• Today: 2/23/2025
• Next Earnings (Estimated): 4/22/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: OTCMKTS
• Sector: Finance
• Industry: State commercial banks
• Sub-Industry: Banking
• Current Symbol: OTCMKTS:PFBX
• CUSIP: N/A
• CIK: 770460
• Web: www.thepeoples.com
• Phone: (228) 435-5511
• Fax: 228-435-8418
• Employees: 130
• Year Founded: 1896

Profitability

• EPS (Most Recent Fiscal Year): $4.66
• Trailing P/E Ratio: 4.10
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $21.70 million
• Net Margins: 54.68%
• Pretax Margin: 21.82%
• Return on Equity: 26.99%
• Return on Assets: 2.51%

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: 0.41
• Quick Ratio: 0.41

Sales & Book Value

• Annual Sales: $39.52 million
• Price / Sales: 2.24
• Cash Flow: $1.81 per share
• Price / Cash Flow: 10.54
• Book Value: $14.86 per share
• Price / Book: 1.29

Miscellaneous

• Outstanding Shares: 4,620,000
• Free Float: 3,320,000
• Market Cap: $88.33 million
• Optionable: Not Optionable
• Beta: 0.46