PEOPLES FINANCIAL CORP /MS/
Data quality: 83%
PFBX
OTC
Financial Services
Depository Institutions
$21.01
$0.00
(0.00%)
Mkt Cap: 97.01 M
Price
$21.01
Mkt Cap
97.01 M
Day Range
$21.25 — $21.25
52-Week Range
$19.20 — $22.54
Volume
7
Open $21.25
50D / 200D Avg
$21.01
0.00% above
50D / 200D Avg
$20.38
3.10% above
Quick Summary
Key Takeaways
Earnings declined -81.98% over the past year
ROE of 3.98% is below average
Generating 4.20 M in free cash flow
Cash machine — converts 107.41% of earnings into free cash flow
Growth
Revenue Growth (5Y)
N/A
Revenue (1Y)N/A
Earnings (1Y)-81.98%
FCF Growth (3Y)-31.87%
Quality
Return on Equity
3.98%
Below sector avg (10.70%)
ROICN/A
Net MarginN/A
Op. MarginN/A
Safety
Debt / Equity
N/A
Current RatioN/A
Interest CoverageN/A
Valuation
PE (TTM)
24.81
Above sector avg (12.63)
P/B Ratio0.97
EV/EBITDAN/A
Dividend YieldN/A
Price History
Financial Trends
Peer Comparison
vs Financial Services sector median (1096 peers)
Peer Comparison
vs Financial Services sector median (1096 peers)| Metric | Stock | Sector Median |
|---|---|---|
| P/E | 24.8 | 12.6 |
| P/B | 1.0 | 1.4 |
| ROE % | 4.0 | 10.7 |
| Net Margin % | — | 14.8 |
| Rev Growth 5Y % | — | 6.4 |
| D/E | — | 0.5 |
All Fundamental Metrics
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | N/A | Revenue Growth (3Y) | N/A |
| Earnings Growth (1Y) | -81.98% | Earnings Growth (3Y) | -34.68% |
| Revenue Growth (5Y) | N/A | Earnings Growth (5Y) | -17.83% |
| Profitability | |||
| Revenue (TTM) | N/A | Net Income (TTM) | 3.91 M |
| ROE | 3.98% | ROA | 0.51% |
| Gross Margin | N/A | Operating Margin | N/A |
| Net Margin | N/A | Free Cash Flow (TTM) | 4.20 M |
| ROIC | N/A | FCF Growth (3Y) | -31.87% |
| Safety | |||
| Debt / Equity | N/A | Current Ratio | N/A |
| Interest Coverage | N/A | Asset Turnover | N/A |
| Working Capital | N/A | Tangible Book Value | 99.58 M |
| Dividends | |||
| Dividend Yield | N/A | Payout Ratio | N/A |
| Dividend Growth (3Y) | N/A | Dividend Growth (5Y) | N/A |
| Consecutive Div Years | N/A | ||
| Valuation | |||
| P/E Ratio | 24.81 | Forward P/E | N/A |
| P/B Ratio | 0.97 | P/S Ratio | N/A |
| PEG Ratio | N/A | Forward PEG | N/A |
| EV/EBITDA | N/A | Fwd EV/EBITDA | N/A |
| Forward P/S | N/A | Fwd Earnings Yield | N/A |
| FCF Yield | 4.33% | ||
| Market Cap | 97.01 M | Enterprise Value | 97.01 M |
| Per Share | |||
| EPS (Diluted TTM) | 0.85 | Revenue / Share | N/A |
| FCF / Share | 0.91 | OCF / Share | 0.98 |
| EPS CAGR (1Y) | -81.76% | EPS CAGR (5Y) | N/A |
| EPS CAGR (10Y) | N/A | ||
| Efficiency | |||
| CapEx / Revenue | N/A | FCF Conversion | 107.41% |
| SBC-Adj. FCF | N/A | Growth Momentum | N/A |
Income Statement
Annual, most recent first
Income Statement
Annual, most recent first| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | — | — | — | — | — |
| Net Income | 3.91 M | 21.70 M | 9.17 M | 8.94 M | 8.58 M |
| EPS (Diluted) | 0.85 | 4.66 | — | — | — |
| Gross Profit | — | — | — | — | — |
| Operating Income | — | — | — | — | — |
| EBITDA | — | — | — | — | — |
| R&D Expenses | — | — | — | — | — |
| SG&A Expenses | — | — | — | — | — |
| D&A | 1.63 M | 1.68 M | 1.55 M | — | — |
| Interest Expense | 20.36 M | 23.45 M | 6.16 M | 2.16 M | 830,000.0 |
| Income Tax | 900,000.0 | -13.32 M | 2.12 M | -2.43 M | 62,000.0 |
Balance Sheet
Annual, most recent first
Balance Sheet
Annual, most recent first| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 727.12 M | 831.85 M | 797.74 M | 861.64 M | 818.81 M |
| Total Liabilities | 626.45 M | 741.85 M | 728.46 M | 806.45 M | 727.22 M |
| Shareholders' Equity | 100.67 M | 90.00 M | 69.28 M | 55.19 M | 91.59 M |
| Total Debt | — | — | — | — | — |
| Cash & Equivalents | — | — | — | — | — |
| Current Assets | — | — | — | — | — |
| Current Liabilities | — | — | — | — | — |
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