OTCPK:PFBX

Stock Analysis Report

Executive Summary

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.

Snowflake

Fundamentals

Adequate balance sheet with moderate growth potential.

Risks

  • Peoples Financial is not covered by any analysts.

Similar Companies

Share Price & News

How has Peoples Financial's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

9.0%

OTCPK:PFBX

0.3%

US Banks

0.9%

US Market


1 Year Return

-10.5%

OTCPK:PFBX

-13.6%

US Banks

0.3%

US Market

PFBX outperformed the Banks industry which returned -14.2% over the past year.

PFBX underperformed the Market in United States of America which returned -0.5% over the past year.


Share holder returns

PFBXIndustryMarket
7 Day9.0%0.3%0.9%
30 Day6.7%-5.1%-1.9%
90 Day2.6%-3.5%1.6%
1 Year-10.3%-10.5%-11.2%-13.6%2.6%0.3%
3 Year17.1%16.7%43.6%33.7%41.0%31.8%
5 Year-9.6%-9.9%53.7%37.0%55.2%38.0%

Price Volatility Vs. Market

How volatile is Peoples Financial's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Peoples Financial undervalued based on future cash flows and its price relative to the stock market?

169.2x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

Unable to calculate intrinsic value for Peoples Financial to establish if it is available at moderate discount.

Unable to calculate intrinsic value for Peoples Financial to establish if it is available at substantial discount.


Price Based on Earnings

Peoples Financial is overvalued based on earnings compared to the US Banks industry average.

Peoples Financial is overvalued based on earnings compared to the United States of America market.


Price Based on Expected Growth

Unable to calculate PEG ratio for Peoples Financial, we can't assess if its growth is good value.


Price Based on Value of Assets

Peoples Financial is good value based on assets compared to the US Banks industry average.


Next Steps

Future Growth

How is Peoples Financial expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

37.1%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Unable to determine if Peoples Financial is high growth as no revenue estimate data is available.

Peoples Financial's earnings are expected to grow significantly at over 20% yearly.

Unable to compare Peoples Financial's revenue growth to the United States of America market average as no estimate data is available.

Peoples Financial's earnings growth is expected to exceed the United States of America market average.

Peoples Financial's earnings growth is expected to exceed the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

Unable to establish if Peoples Financial will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

How has Peoples Financial performed over the past 5 years?

60.0%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Peoples Financial has delivered over 20% year on year earnings growth in the past 5 years.

Peoples Financial's 1-year earnings growth is negative, it can't be compared to the 5-year average.

Peoples Financial's 1-year earnings growth is negative, it can't be compared to the US Banks industry average.


Return on Equity

Peoples Financial has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

Peoples Financial used its assets less efficiently than the US Banks industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if Peoples Financial improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


Next Steps

Financial Health

How is Peoples Financial's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet

Information is not available.

Information is not available.


Financial Institutions Analysis

Peoples Financial has an acceptable proportion of non-loan assets held.

Peoples Financial has a low allowance for bad loans.

Peoples Financial's liabilities are made up of primarily low risk sources of funding.

Peoples Financial's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).

Loans at Peoples Financial are broadly funded by customer deposits.

Peoples Financial has a high level of bad loans (greater than 2%).


Next Steps

Dividend

What is Peoples Financial's current dividend yield, its reliability and sustainability?

0.17%

Current Dividend Yield


Dividend Yield and Payments Analysis

Peoples Financial's pays a lower dividend yield than the bottom 25% of dividend payers in United States of America (1.49%).

Peoples Financial's dividend is below the markets top 25% of dividend payers in United States of America (3.84%).

Peoples Financial is not paying a notable dividend for United States of America, therefore no need to check if the payments are stable.

Peoples Financial is not paying a notable dividend for United States of America, therefore no need to check if the payments are increasing.


Current Payout to Shareholders

No need to calculate the sustainability of Peoples Financial's dividends as it is not paying a notable one for United States of America.


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

What is the CEO of Peoples Financial's salary, the management and board of directors tenure and is there insider trading?

22.6yrs

Average management tenure


CEO

Chevis Swetman (70yo)

0.0yrs

Tenure

US$288,433

Compensation

Mr. Chevis C. Swetman has been Director of Peoples Financial Corporation since 1984 and Peoples Bank, Biloxi, Mississippi (“Bank”) since 1975. He has served as Chairman of the Company since 1994. Mr. Swetm ...


CEO Compensation Analysis

Chevis's remuneration is lower than average for companies of similar size in United States of America.

Chevis's compensation has increased by more than 20% whilst company earnings have fallen more than 20% in the past year.


Management Age and Tenure

22.6yrs

Average Tenure

61yo

Average Age

The average tenure for the Peoples Financial management team is over 5 years, this suggests they are a seasoned and experienced team.


Board Age and Tenure

17.1yrs

Average Tenure

68.5yo

Average Age

The average tenure for the Peoples Financial board of directors is over 10 years, this suggests they are a seasoned and experienced board.


Insider Trading

No 3 month open market individual insider trading information.


Recent Insider Transactions

SellUS$5,01615 May 19
Chevis Swetman
EntityIndividual
Role
Chief Executive Officer
Chairman
Shares418
Max PriceUS$12.00
BuyUS$13,76010 Sep 18
Chevis Swetman
EntityIndividual
Role
Chief Executive Officer
Chairman
Shares1,000
Max PriceUS$13.76
BuyUS$27,20429 Aug 18
Chevis Swetman
EntityIndividual
Role
Chief Executive Officer
Chairman
Shares2,000
Max PriceUS$13.60

Ownership Breakdown


Management Team

  • Chevis Swetman (70yo)

    Chairman

    • Tenure: 0.0yrs
    • Compensation: US$288.43k
  • Lauri Wood (58yo)

    CFO & Controller

    • Tenure: 25.6yrs
    • Compensation: US$149.77k
  • A. Fulmer (60yo)

    Executive Vice President

    • Tenure: 22.6yrs
    • Compensation: US$176.74k
  • Paul Guichet (61yo)

    • Tenure: 0.0yrs
  • Evelyn Herrington (64yo)

    VP & Secretary

    • Tenure: 4.6yrs

Board Members

  • Chevis Swetman (70yo)

    Chairman

    • Tenure: 0.0yrs
    • Compensation: US$288.43k
  • Drew Allen (67yo)

    Independent Director

    • Tenure: 23.6yrs
    • Compensation: US$24.80k
  • T. Magruder (71yo)

    Vice Chairman of the Board

    • Tenure: 16.6yrs
    • Compensation: US$22.20k
  • Rex Kelly (71yo)

    Director

    • Tenure: 17.6yrs
    • Compensation: US$23.10k
  • Jeff O’Keefe (62yo)

    Independent Director

    • Tenure: 8.0yrs
    • Compensation: US$29.80k
  • George Sliman (59yo)

    Director

    • Tenure: 0.3yrs

Company Information

Peoples Financial Corporation's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Peoples Financial Corporation
  • Ticker: PFBX
  • Exchange: OTCPK
  • Founded: 1896
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$59.071m
  • Shares outstanding: 4.94m
  • Website: https://www.thepeoples.com

Number of Employees


Location

  • Peoples Financial Corporation
  • 152 Lameuse Street
  • Biloxi
  • Mississippi
  • 39530
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
PFBXOTCPK (Pink Sheets LLC)YesCommon StockUSUSDMay 2000

Biography

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 bu ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/19 23:46
End of Day Share Price2019/08/16 00:00
Earnings2019/06/30
Annual Earnings2018/12/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.