PFBXOTCState Commercial BanksFiscal year ends December 31
PEOPLES FINANCIAL CORP /MS/
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 14, 2026
$23.45+0.05 (+0.22%)
Close on Oct 19, 2026
- Market cap
- $108.29M
- P/E (TTM)
- 29.3
- Dividend yield
- 1.54%
Peoples Financial statistics
Financials through Jun 30, 2026, price as of Oct 19, 2026, median of State Commercial Banks companies for comparison
Valuation
| Measure | Peoples Financial | Industry median |
|---|---|---|
| Market Cap | $108.29M | $679.86M |
| Enterprise Value | $84.23M | $408.94M |
| PE Ratio | 29.32 | 12.00 |
| PS Ratio | 3.97 | 3.61 |
| PB Ratio | 1.06 | 1.18 |
| P/TBV Ratio | 1.07 | 1.41 |
| P/FCF Ratio | 27.37 | 10.93 |
| P/OCF Ratio | 24.40 | 10.04 |
Enterprise value
| Measure | Peoples Financial | Industry median |
|---|---|---|
| EV / Sales | 3.09 | 2.78 |
| EV / FCF | 21.29 | 8.25 |
Income (trailing twelve months)
| Measure | Peoples Financial | Industry median |
|---|---|---|
| Revenue | $27.25M | $170.85M |
| Pretax Income | $4.50M | $70.12M |
| Net Income | $3.70M | $54.33M |
| EPS (Diluted) | $0.80 | $2.90 |
Margins
| Measure | Peoples Financial | Industry median |
|---|---|---|
| Pretax Margin | 16.5% | 36.4% |
| Profit Margin | 13.6% | 29.1% |
| FCF Margin | 14.5% | 33.0% |
Returns
| Measure | Peoples Financial | Industry median |
|---|---|---|
| Return on Equity (ROE) | 3.74% | 10.5% |
| Return on Assets (ROA) | 0.48% | 1.12% |
Growth
| Measure | Peoples Financial | Industry median |
|---|---|---|
| Revenue Growth (YoY) | -6.00% | 11.8% |
| Net Income Growth (YoY) | -81.0% | 23.1% |
| EPS Growth (YoY) | -80.9% | 22.7% |
| FCF Growth (YoY) | -31.9% | 27.1% |
| Revenue Growth (3Y CAGR) | -1.11% | 5.82% |
| Revenue Growth (5Y CAGR) | 1.95% | 6.17% |
| EPS Growth (3Y CAGR) | -23.7% | 1.26% |
Balance sheet
| Measure | Peoples Financial | Industry median |
|---|---|---|
| Cash & Short-Term Investments | $24.05M | $205.54M |
| Net Cash (Debt) | $24.05M | $164.40M |
| Net Cash Per Share | $5.21 | $8.13 |
| Equity (Book Value) | $101.71M | $560.44M |
| Book Value Per Share | $22.03 | $28.47 |
| Tangible Book Value | $101.33M | $472.29M |
Cash flow (trailing twelve months)
| Measure | Peoples Financial | Industry median |
|---|---|---|
| Operating Cash Flow | $4.44M | $61.20M |
| Capital Expenditures | -$481.00K | -$4.02M |
| Free Cash Flow | $3.96M | $52.43M |
| FCF Per Share | $0.86 | $3.07 |
Efficiency
| Measure | Peoples Financial | Industry median |
|---|---|---|
| Asset Turnover | 0.04 | 0.04 |
| Revenue Per Employee | $206.40K | $353.78K |
| Profits Per Employee | $28.05K | $107.28K |
| Employee Count | 132 | 489 |
Dividends and yields
| Measure | Peoples Financial | Industry median |
|---|---|---|
| Earnings Yield | 3.42% | 8.07% |
| FCF Yield | 3.65% | 8.89% |
| Dividend Yield | 1.54% | 2.48% |
| Shareholder Yield | 1.54% | 3.13% |
| Dividend Per Share | $0.36 | $0.93 |
| Dividend Growth (YoY) | -18.2% | 4.26% |
| Years of Dividend Growth | 0 | 2 |
Shares
| Measure | Peoples Financial | Industry median |
|---|---|---|
| Shares Outstanding | 4,617,470 | 18,839,100 |
| Shares Change (YoY) | -0.36% | 0.39% |
| Shares Change (QoQ) | 0.00% | 0.00% |
| Float | 2,433,690 | 17,061,900 |
| Shares Held by Insiders | 47.3% | 5.89% |
Taxes
| Measure | Peoples Financial | Industry median |
|---|---|---|
| Income Tax | $799.00K | $14.50M |
| Effective Tax Rate | 17.8% | 21.1% |
Scores
| Measure | Peoples Financial | Industry median |
|---|---|---|
| Graham Number | $19.91 | $45.31 |
| Graham Upside | -15.1% | 21.6% |
| Altman Z-Score | 0.24 | 0.21 |
| Piotroski F-Score | 5 | 6 |
Calculated by StockData from Peoples Financial's SEC filings and the latest closing price. Hover a measure to see its formula. The grey column is the median of companies in the same industry group (two-digit SIC code); green or red marks a better or worse value than that median.