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Peoples Financial CorporationOTCPK:PFBX Stock Report

Market Cap US$97.0m
Share Price
US$21.01
Future Cash Flow Value
US$48.76
56.9% undervalued intrinsic discount
1Y8.3%
7D0%
Portfolio Value
View

Peoples Financial Corporation

OTCPK:PFBX Stock Report

Market Cap: US$97.0m

Peoples Financial (PFBX) Stock Overview

Operates as the bank holding company for The Peoples Bank that provides banking, financial, and trust services in the United States. More details

PFBX fundamental analysis
Snowflake Score
Valuation2/6
Future Growth0/6
Past Performance2/6
Financial Health6/6
Dividends2/6

PFBX Community Fair Values

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Peoples Financial Corporation Competitors

Price History & Performance

Summary of share price highs, lows and changes for Peoples Financial
Historical stock prices
Current Share PriceUS$21.01
52 Week HighUS$22.54
52 Week LowUS$19.20
Beta0.19
1 Month Change-2.28%
3 Month Change2.49%
1 Year Change8.30%
3 Year Change78.81%
5 Year Change20.40%
Change since IPO-29.97%

Recent News & Updates

Recent updates

Shareholder Returns

PFBXUS BanksUS Market
7D0%0.9%-0.3%
1Y8.3%20.4%16.1%

Return vs Industry: PFBX underperformed the US Banks industry which returned 20.4% over the past year.

Return vs Market: PFBX underperformed the US Market which returned 16.1% over the past year.

Price Volatility

Is PFBX's price volatile compared to industry and market?
PFBX volatility
PFBX Average Weekly Movementn/a
Banks Industry Average Movement3.8%
Market Average Movement7.1%
10% most volatile stocks in US Market16.4%
10% least volatile stocks in US Market3.3%

Stable Share Price: PFBX's share price has been volatile over the past 3 months compared to the US market.

Volatility Over Time: Insufficient data to determine PFBX's volatility change over the past year.

About the Company

FoundedEmployeesCEOWebsite
1896131Chevis Swetmanwww.thepeoples.com

Peoples Financial Corporation operates as the bank holding company for The Peoples Bank that provides banking, financial, and trust services in the United States. The company accepts various deposits, such as interest and non-interest-bearing checking accounts, savings accounts, certificates of deposit, and individual retirement accounts (IRAs); and business, commercial, real estate, construction, personal, and installment loans. It also offers personal trust, agencies, and estate services, including living and testamentary trusts, executorships, guardianships, and conservatorships; and escrow management, stock transfer, and bond paying agency accounts.

Peoples Financial Corporation Fundamentals Summary

How do Peoples Financial's earnings and revenue compare to its market cap?
PFBX fundamental statistics
Market capUS$97.01m
Earnings (TTM)US$3.91m
Revenue (TTM)US$27.51m
24.8x
P/E Ratio
1.0x
P/B Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
PFBX income statement (TTM)
RevenueUS$27.51m
Cost of RevenueUS$0
Gross ProfitUS$27.51m
Other ExpensesUS$23.60m
EarningsUS$3.91m

Last Reported Earnings

Dec 31, 2025

Next Earnings Date

n/a

Earnings per share (EPS)0.85
Gross Margin100.00%
Net Profit Margin14.22%
Debt/Equity Ratio0.8%

How did PFBX perform over the long term?

See historical performance and comparison

Dividends

1.7%
Current Dividend Yield
35%
Payout Ratio

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/04/02 22:10
End of Day Share Price 2026/04/02 00:00
Earnings2025/12/31
Annual Earnings2025/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Peoples Financial Corporation is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.