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PEOPLES FINANCIAL CORP /MS/

Data quality: 83%
PFBX
OTC Financial Services Depository Institutions
$21.25
▲ $0.24 (1.14%)
6 months return
—
Momentum
Neutral
1Y earnings growth
-81.98%

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 (9.21%)
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 (11.13)
P/B Ratio0.97
EV/EBITDAN/A
Dividend Yield1.71%

Quick Summary

Key Takeaways

Short bullets derived from reported financials—not the AI summary above.

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
Healthy payout ratio of 42.35% with room to grow
17 consecutive years of dividends — reliable payer

Price History

Financial Trends

Analyst Price Target

No analyst coverage available

Earnings Surprises

EPS
Reported Estimate
Q12018
Reported $0.06
Estimate —
Surprise —

Growth

Rev 5Y: N/A · Earnings 1Y: -81.98%
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

ROE: 3.98% · Net Margin: N/A
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

D/E: N/A · Current: N/A
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

Yield: 1.71% · Payout: 42.35%
Dividend Yield 1.71% Payout Ratio 42.35%
Dividend Growth (3Y) 23.74% Dividend Growth (5Y) 78.26%
Consecutive Div Years 17 yrs

Valuation

P/E: 24.81 · EV/EBITDA: N/A
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: 0.85 · FCF/Share: 0.91
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

FCF Conv: 107.41% · CapEx/Rev: N/A
CapEx / Revenue N/A FCF Conversion 107.41%
SBC-Adj. FCF N/A Growth Momentum N/A

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
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 — — — — —

Peer Comparison

vs Financial Services sector median (6628 peers)
Metric Stock Sector Median
P/E 24.8 11.1
P/B 1.0 1.2
ROE % 4.0 9.2
Net Margin % — 9.4
Rev Growth 5Y % — 5.8
D/E — 0.5

Dividend History

Yield

1.71%

Payout ratio

42.35%

Growth (3Y)

23.74%

Growth (5Y)

78.26%

Recent per-share payments (most recent first).

Ex-dividend Payment Amount / share
Dec 08, 2025 — $0.18
Jun 11, 2025 — $0.18
Dec 09, 2024 — $0.26
Jun 05, 2024 — $0.18
Nov 10, 2023 — $0.41
May 01, 2023 — $0.12
Nov 04, 2022 — $0.10
Mar 22, 2022 — $0.09
Dec 02, 2021 — $0.06
Apr 01, 2021 — $0.10
May 01, 2020 — $0.02
Nov 19, 2019 — $0.02