Peoples Financial Corporation

Peoples Financial Corporation

PFBX
Peoples Financial CorporationUS flagOther OTC
22.00
USD
+0.75
- -
101.58MMarket Cap
Peoples Financial Corporation
PFBX
(Other OTC)

Recent

price

22.00

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
6.77
6
6.26
6.29
5.66
4.88
4.62
4.63
4.6
4.82
4.97
5.28
5.97
7
6.4
5.82
5.84
Revenue per Share
0.29
0.23
0.51
-0.1
-1.95
-0.9
0.03
0.54
0.13
0.34
-0.52
1.84
1.91
1.96
4.66
0.85
0.88
Basic EPS, GAAP
1.78
1.78
1.53
1.79
1.22
0.82
0.41
0.89
0.71
0.75
1.12
0.54
1.23
1.39
1.09
0.91
0.88
Free Cash Flow per Basic Share
0.21
0.18
0.3
- -
0.1
- -
- -
0.01
0.02
0.03
0.02
0.16
0.19
0.53
0.44
0.36
0.18
Dividend per Share
7.46
7.36
7.81
7.68
5.63
4.74
4.77
5.2
5.02
5.42
4.74
5.73
7.66
9.03
13.12
13.72
14.03
Book Value per Share
19.67
20.93
21.56
19.33
18.53
17.93
17.27
17.47
17.28
19.24
19.39
18.94
11.67
14.7
19.23
21.71
21.87
Tangible Book Value per Share
5
5
5
5
5
5
5
5
5
5
5
5
5
5
5
5
5
Basic Weighted Avg Shares
35
31
32
32
29
25
24
24
23
24
24
26
28
33
30
27
27
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
2
2
2
2
2
2
2
2
2
2
2
2
2
2
2
2
2
Depreciation Expense
1
1
3
-1
-10
-5
- -
3
1
2
-3
9
9
9
22
4
4
Net Income, GAAP
- -
- -
- -
- -
- -
- -
31.84
- -
- -
- -
- -
0.69
- -
18.79
- -
18.71
18.64
Effective Tax Rate (%)
4.26
3.83
8.22
-1.67
-34.48
-18.38
0.71
11.62
2.72
7.04
-10.52
34.83
32
27.99
72.8
14.55
15
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
43
53
8
78
39
18
6
11
36
4
1
1
- -
18
- -
1
- -
LT Debt
101
109
111
99
95
92
88
89
87
95
95
92
55
69
90
101
101
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
3.88
3.13
6.72
-1.35
-29.32
-17.28
0.69
10.8
2.42
6.45
-10.23
34.95
28.11
23.48
42
6.28
6.36
Return on Common Equity (%)

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
- -
1
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
5
5
5
Market Capitalization
98
94
97

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
354
162
221
Accounts Receivable, Net
3
3
3
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
2.79%
4.83%
11.85%
Free Cash Flow
13.4%
7.94%
-16.93%
Net Income, GAAP
89.45%
-78.14%
-81.98%
Sales/Revenue/Turnover
1.04%
2.57%
-9.8%
Total Cash Common Dividend
- -
168.49%
-18.49%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
8
8
7
7
30
2025
7
7
6
7
27
2026
7
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.52
0.5
3.31
0.33
4.66
2025
0.28
0.27
0.14
0.16
0.85
2026
0.31
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
0.26
0.44
2025
- -
- -
- -
0.18
0.36
2026
- -
- -
- -
- -
- -
Business
Peoples Financial Corporation (PFBX) is a bank holding company that operates The Peoples Bank, providing banking, financial, and trust services to individuals, small to middle-market businesses, government entities, and commercial customers primarily in the Mississippi Gulf Coast region, including Hancock, Harrison, Jackson, and Stone counties. The bank offers deposit products such as interest-bearing and non-interest-bearing checking accounts, savings accounts, certificates of deposit, and individual retirement accounts; lending services encompassing business, commercial, real estate, construction, personal, and installment loans with an emphasis on commercial lending; trust and asset management services including personal trusts, agencies, estate settlement, living and testamentary trusts, executorships, guardianships, conservatorships, self-directed IRAs, and investment advisory; as well as ancillary services like safe deposit boxes, wire transfers, night drop facilities, collections, cash management, internet banking, escrow management, stock transfer, and bond paying agency accounts targeting industries such as seafood, retail, hospitality, gaming, and construction. Founded in 1896 and headquartered in Biloxi, Mississippi, the company maintains 18 branches along the Gulf Coast and continues family-guided operations under the Swetman family legacy while trading on the OTCQX Best Market. Recent developments include quarterly dividend declarations, such as $0.18 per share in mid-2024 and a $0.6175 per share cash dividend announced for the fourth quarter of 2025 payable December 15; steady earnings growth reflected in GAAP EPS reports including $3.31 for one quarter in 2024 and total 2024 net income contributions; and heightened investor interest with increased stakes by entities like Stilwell Joseph, alongside ongoing SEC filings confirming operational stability without major acquisitions, partnerships, or strategic shifts reported in the last 1-2 years.

Company News

APIChatGPT
  • Peoples Financial Corporation Announces a Regular Cash Dividend

  • Peoples Financial Corporation Reports Results for the First Quarter of 2026

  • Peoples Financial (OTCMKTS:PFBX) Share Price Crosses Above 200 Day Moving Average – What’s Next?

  • Peoples Financial (OTCMKTS:PFBX) Shares Pass Above Two Hundred Day Moving Average – Here’s What Happened

  • John Marshall Bancorp (NASDAQ:JMSB) and Peoples Financial (OTCMKTS:PFBX) Critical Survey

  • Peoples Financial Corporation Reports Results for The Fourth Quarter of 2025

  • Peoples Financial (OTCMKTS:PFBX) Stock Passes Above Two Hundred Day Moving Average – Time to Sell?

  • Head to Head Analysis: Peoples Financial (OTCMKTS:PFBX) versus FB Bancorp (NASDAQ:FBLA)

  • Peoples Financial (OTCMKTS:PFBX) Shares Cross Above Two Hundred Day Moving Average – Here’s Why

  • Peoples Financial Corporation Announces A Regular Cash Dividend

  • PEOPLES FINANCIAL CORPORATION REPORTS RESULTS FOR THE THIRD QUARTER OF 2025

  • PEOPLES FINANCIAL CORPORATION REPORTS RESULTS FOR THE THIRD QUARTER OF 2024

  • PEOPLES FINANCIAL CORPORATION ANNOUNCES A CASH DIVIDEND

  • PEOPLES FINANCIAL CORPORATION REPORTS RESULTS FOR THE FIRST QUARTER OF 2024 AND ANNOUNCES NEW STOCK REPURCHASE PROGRAM

  • PEOPLES FINANCIAL CORPORATION REPORTS RESULTS FOR 2023, THE THIRD BEST YEAR OF EARNINGS EVER, AND SETS DATE FOR ANNUAL MEETING

  • PEOPLES FINANCIAL CORPORATION ANNOUNCES NEW STOCK REPURCHASE PROGRAM

  • PEOPLES FINANCIAL CORPORATION REPORTS RESULTS FOR THE SECOND QUARTER OF 2023, EARNINGS INCREASED $1,818,000 OVER THE SECOND QUARTER OF 2022

  • PEOPLES FINANCIAL CORPORATION REPORTS RESULTS FOR 2022 AND SETS DATE FOR ANNUAL MEETING