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.
Solid track record with adequate balance sheet.
Share Price & News
How has Peoples Financial's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: PFBX has not had significant price volatility in the past 3 months.
7 Day Return
1 Year Return
Return vs Industry: PFBX exceeded the US Banks industry which returned -25.1% over the past year.
Return vs Market: PFBX underperformed the US Market which returned -11.9% over the past year.
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
Is Peoples Financial undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: Insufficient data to calculate PFBX's fair value to establish if it is undervalued.
Significantly Below Fair Value: Insufficient data to calculate PFBX's fair value to establish if it is undervalued.
Price To Earnings Ratio
PE vs Industry: PFBX is poor value based on its PE Ratio (29.5x) compared to the Banks industry average (8.8x).
PE vs Market: PFBX is poor value based on its PE Ratio (29.5x) compared to the US market (13x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate PFBX's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: PFBX is good value based on its PB Ratio (0.5x) compared to the US Banks industry average (0.8x).
How is Peoples Financial forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Forecasted Banks industry annual growth in earnings
In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Peoples Financial has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.
This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.
- Check out Peoples Financial's track record over time to understand how much the company has returned to shareholders and its earnings growth rate in the past.
- While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website. If you are looking for more of a qualitative research into the company, you can access Peoples Financial's filings and announcements here.
- Explore growth companies in the Banks industry.
How has Peoples Financial performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: PFBX has high quality earnings.
Growing Profit Margin: PFBX's current net profit margins (7%) are higher than last year (2.7%).
Past Earnings Growth Analysis
Earnings Trend: PFBX has become profitable over the past 5 years, growing earnings by 75.1% per year.
Accelerating Growth: PFBX's earnings growth over the past year (166.9%) exceeds its 5-year average (75.1% per year).
Earnings vs Industry: PFBX earnings growth over the past year (166.9%) exceeded the Banks industry 11%.
Return on Equity
High ROE: PFBX's Return on Equity (1.8%) is considered low.
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
Inventory Level: PFBX has a low level of unsold assets or inventory.
Debt Coverage by Assets: PFBX's debt is covered by short term assets (assets are 10.9x debt).
Cash Runway Analysis
For companies that have on average been loss making in the past we assess whether they have at least 1 year of cash runway.
Stable Cash Runway: PFBX is profitable, therefore cash runway is not a concern.
Forecast Cash Runway: PFBX is profitable, therefore cash runway is not a concern.
Financial Institutions Analysis
Asset Level: PFBX's level of assets compared to its equity is low.
Allowance for Bad Loans: PFBX has a low allowance for bad loans.
Low Risk Liabilities: PFBX's liabilities are made up of primarily low risk sources of funding.
Loan Level: PFBX has an acceptable proportion of non-loan assets held.
Low Risk Deposits: PFBX's loans are broadly funded by customer deposits.
Level of Bad Loans: PFBX has a high level of bad loans (3.45%)
What is Peoples Financial's current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: PFBX's dividend (0.4%) isn’t notable compared to the bottom 25% of dividend payers in the US market (1.98%).
High Dividend: PFBX's dividend (0.4%) is low compared to the top 25% of dividend payers in the US market (5.49%).
Stability and Growth of Payments
Stable Dividend: PFBX is not paying a notable dividend for the US market, therefore no need to check if payments are stable.
Growing Dividend: PFBX is not paying a notable dividend for the US market, therefore no need to check if payments are increasing.
Current Payout to Shareholders
Dividend Coverage: PFBX is not paying a notable dividend for the US market.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of PFBX's dividend in 3 years as they are not forecast to pay a notable one for the US market.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Chevis Swetman (70yo)
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
Compensation vs Market: Chevis's total compensation ($USD293.10K) is below average for companies of similar size in the US market ($USD602.37K).
Compensation vs Earnings: Chevis's compensation has been consistent with company performance over the past year.
|Chairman||no data||US$293.10k||26.08% $12.9m|
|CFO & Controller||26.17yrs||US$155.75k||0.15% $73.7k|
|Executive Vice President||14.17yrs||US$181.71k||0.28% $136.5k|
|Senior VP & COO||0.083yr||no data||no data|
|Senior VP & Chief Administrative Officer||0.083yr||no data||no data|
|VP & Secretary||5.17yrs||no data||no data|
Experienced Management: PFBX's management team is seasoned and experienced (5.2 years average tenure).
|Chairman||no data||US$293.10k||26.08% $12.9m|
|Independent Director||24.17yrs||US$27.50k||0.11% $54.5k|
|Independent Vice Chairman of the Board||17.17yrs||US$27.20k||0.0041% $2.0k|
|Independent Director||18.17yrs||US$29.10k||0.041% $20.5k|
|Independent Director||8.58yrs||US$29.90k||0.65% $323.1k|
|Independent Director||0.92yr||US$27.50k||0.040% $20.0k|
Experienced Board: PFBX's board of directors are seasoned and experienced ( 17.7 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Peoples Financial Corporation's company bio, employee growth, exchange listings and data sources
- Name: Peoples Financial Corporation
- Ticker: PFBX
- Exchange: OTCPK
- Founded: 1896
- Industry: Regional Banks
- Sector: Banks
- Market Cap: US$49.531m
- Shares outstanding: 4.94m
- Website: https://www.thepeoples.com
Number of Employees
- Peoples Financial Corporation
- 152 Lameuse Street
- United States
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|PFBX||OTCPK (Pink Sheets LLC)||Yes||Common Stock||US||USD||May 2000|
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 bearing 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 installment 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, 2018, the company operated through 17 branches located in Harrison, Hancock, Jackson, and Stone counties. It also has 30 automated teller machines at its branch locations, as well as other off-site and non-proprietary locations. Peoples Financial Corporation was founded in 1896 and is headquartered in Biloxi, Mississippi.
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/03/28 23:51|
|End of Day Share Price||2020/03/27 00:00|
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.