PFBX
Peoples Financial Corporation
Price Chart
Latest Quote
$22.95
+0.00 (+0.00%)
Current Price
| Previous Close | $22.95 |
| Open | $23.09 |
| Day High | $23.09 |
| Day Low | $23.09 |
| Volume | 29 |
Stock Information
| Quarterly Dividend / Yield | $0.36 / 1.57% |
| Shares Outstanding | 4.62M |
| Quarterly Dividend Yield | 1.57% |
| Quarterly Dividend | $0.36 |
| Total Debt | $800K |
| Cash Equivalents | $19.58M |
| Revenue | $27.69M |
| Net Income | $4.05M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $105.97M |
| P/E Ratio | 26.08 |
| EPS (TTM) | $0.88 |
| Exchange | OQX |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $87.19M |
| Sales | $27.69M |
| Income | $4.05M |
| Book/sh | $21.80 |
| Cash/sh | $4.24 |
| Employees | 130 |
Financial Ratios
| EPS Growth TTM | 10.40% |
Returns & Margins
| Operating Margin | 24.46% |
| Profit Margin | 14.62% |
Ownership
| Insider Ownership | 39.97% |
| Institutional Ownership | 26.20% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| P/S | 3.83 |
| P/B | 1.05 |
Analyst Data
| Recommendation | none |
Technical Indicators
| SMA20 | $21.69 |
| SMA50 | $21.30 |
| SMA200 | $20.56 |
| RSI | 87.98 |
| ATR | 0.1768 |
| Shares Float | 1.63M |
| Short Float | 0.06% |
| Short Ratio | 1.45 |
| Volatility | 0.17 |
Performance History
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| 6 Months | nan% |
| YTD | nan% |
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| 3 Years | nan% |
| 5 Years | nan% |
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Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-18 | $22.95 | 0 |
| 2026-06-17 | $22.95 | 0 |
| 2026-06-16 | $22.95 | 0 |
| 2026-06-15 | $22.95 | 0 |
| 2026-06-12 | $22.95 | 0 |
| 2026-06-11 | $22.95 | 3,500 |
| 2026-06-10 | $21.26 | 0 |
| 2026-06-09 | $21.26 | 0 |
| 2026-06-08 | $21.26 | 400 |
| 2026-06-05 | $21.07 | 0 |
| 2026-06-04 | $21.07 | 0 |
| 2026-06-03 | $21.07 | 500 |
| 2026-06-02 | $21.37 | 0 |
| 2026-06-01 | $21.37 | 400 |
| 2026-05-29 | $21.07 | 0 |
| 2026-05-28 | $21.07 | 0 |
| 2026-05-27 | $21.07 | 0 |
| 2026-05-26 | $21.07 | 3,000 |
| 2026-05-22 | $21.07 | 0 |
| 2026-05-21 | $21.07 | 0 |
| 2026-05-20 | $21.07 | 0 |
| 2026-05-19 | $21.07 | 0 |
About Peoples Financial Corporation
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. In addition, the company provides safe deposit box rental, wire transfer services, night drop facilities, collection services, cash management, and internet banking. It serves the state, county, and local government entities, as well as individuals, small and commercial businesses, and various industries comprising seafood, retail, hospitality, hotel and motel, gaming, and construction. Peoples Financial Corporation was founded in 1896 and is headquartered in Biloxi, Mississippi.
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Income Statement (Annual)
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $29,810,000 | $32,745,000 | $27,944,000 | $25,585,000 |
| Operating Revenue | $29,810,000 | $32,745,000 | $27,944,000 | $25,585,000 |
| Expenses | ||||
| Interest Expense | $9,643,000 | $6,155,000 | $2,158,000 | $830,000 |
| Selling And Marketing Expense | $401,000 | $399,000 | $376,000 | $377,000 |
| General And Administrative Expense | $10,902,000 | $11,623,000 | $11,770,000 | $11,029,000 |
| Professional Expense And Contract Services Expense | $1,031,000 | $982,000 | $256,000 | $1,930,000 |
| Other Non Interest Expense | $4,079,000 | $3,895,000 | $4,292,000 | $4,107,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $21,703,000 | $9,166,000 | $8,941,000 | $8,911,000 |
| Net Interest Income | $23,451,000 | $26,474,000 | $21,550,000 | $19,462,000 |
| Interest Income | $33,094,000 | $32,629,000 | $23,708,000 | $20,292,000 |
| Normalized Income | $21,695,890 | $9,141,700 | $8,941,000 | $8,911,000 |
| Net Income From Continuing And Discontinued Operation | $21,703,000 | $9,166,000 | $8,941,000 | $8,911,000 |
| Net Income Common Stockholders | $21,703,000 | $9,166,000 | $8,941,000 | $8,911,000 |
| Net Income | $21,703,000 | $9,166,000 | $8,941,000 | $8,911,000 |
| Net Income Including Noncontrolling Interests | $21,703,000 | $9,166,000 | $8,941,000 | $8,911,000 |
| Net Income Continuous Operations | $21,703,000 | $9,166,000 | $8,941,000 | $8,911,000 |
| Pretax Income | $8,380,000 | $11,287,000 | $6,510,000 | $8,973,000 |
| Special Income Charges | $9,000 | $30,000 | $0 | $0 |
| Per Share | ||||
| Diluted EPS | $4.66 | $1.96 | $1.91 | $1.77 |
| Basic EPS | $4.66 | $1.96 | $1.91 | $1.77 |
| Other | ||||
| Tax Effect Of Unusual Items | $1,890 | $5,700 | $0 | $0 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Total Unusual Items | $9,000 | $30,000 | $0 | $0 |
| Total Unusual Items Excluding Goodwill | $9,000 | $30,000 | $0 | $0 |
| Reconciled Depreciation | $1,740,000 | $1,613,000 | $1,685,000 | $1,681,000 |
| Diluted Average Shares | $4,656,370 | $4,675,067 | $4,678,186 | $4,844,248 |
| Basic Average Shares | $4,656,370 | $4,675,067 | $4,678,186 | $4,844,248 |
| Diluted NI Availto Com Stockholders | $21,703,000 | $9,166,000 | $8,941,000 | $8,911,000 |
| Tax Provision | $-13,323,000 | $2,121,000 | $-2,431,000 | $62,000 |
| Other Special Charges | $-9,000 | $-30,000 | - | - |
| Gain On Sale Of Security | $0 | $0 | $0 | $-45,000 |
| Selling General And Administration | $11,303,000 | $12,022,000 | $12,146,000 | $11,406,000 |
| Insurance And Claims | $403,000 | $479,000 | $429,000 | $415,000 |
| Salaries And Wages | $10,499,000 | $11,144,000 | $11,341,000 | $10,614,000 |
| Occupancy And Equipment | $5,188,000 | $4,861,000 | $4,660,000 | $4,832,000 |
| Other Gand A | - | - | - | $1,408,000 |
Fetched: 2026-02-02
Balance Sheet (Annual)
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $89,525,000 | $68,745,000 | $54,594,000 | $91,729,000 |
| Total Assets | $831,849,000 | $797,738,000 | $861,639,000 | $818,950,000 |
| Goodwill And Other Intangible Assets | $476,000 | $538,000 | $600,000 | - |
| Receivables | $3,516,000 | $3,520,000 | $3,274,000 | $2,841,000 |
| Accounts Receivable | $3,516,000 | $3,520,000 | $3,274,000 | $2,841,000 |
| Cash And Cash Equivalents | $107,744,000 | $22,794,000 | $32,836,000 | $49,991,000 |
| Cash Cash Equivalents And Federal Funds Sold | $107,744,000 | $22,794,000 | $32,836,000 | $49,991,000 |
| Cash Financial | - | $22,794,000 | $32,836,000 | $49,991,000 |
| Debt | ||||
| Total Debt | - | $18,500,000 | - | $889,000 |
| Long Term Debt And Capital Lease Obligation | - | $18,500,000 | - | $889,000 |
| Long Term Debt | - | $18,500,000 | - | $889,000 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $741,848,000 | $728,455,000 | $806,445,000 | $727,221,000 |
| Equity | ||||
| Common Stock Equity | $90,001,000 | $69,283,000 | $55,194,000 | $91,729,000 |
| Total Equity Gross Minority Interest | $90,001,000 | $69,283,000 | $55,194,000 | $91,729,000 |
| Stockholders Equity | $90,001,000 | $69,283,000 | $55,194,000 | $91,729,000 |
| Gains Losses Not Affecting Retained Earnings | $-36,887,000 | $-38,733,000 | $-46,418,000 | $-1,831,000 |
| Retained Earnings | $56,491,000 | $37,574,000 | $31,154,000 | $23,102,000 |
| Other | ||||
| Ordinary Shares Number | $4,617,466 | $4,661,686 | $4,678,186 | $4,678,186 |
| Share Issued | $4,617,466 | $4,661,686 | $4,678,186 | $4,678,186 |
| Tangible Book Value | $89,525,000 | $68,745,000 | $54,594,000 | $91,729,000 |
| Additional Paid In Capital | $65,780,000 | $65,780,000 | $65,780,000 | $65,780,000 |
| Capital Stock | $4,617,000 | $4,662,000 | $4,678,000 | $4,678,000 |
| Common Stock | $4,617,000 | $4,662,000 | $4,678,000 | $4,678,000 |
| Employee Benefits | $19,201,000 | $19,581,000 | $19,198,000 | $19,332,000 |
| Investments And Advances | $432,154,000 | $490,738,000 | $545,735,000 | $487,361,000 |
| Held To Maturity Securities | $123,156,000 | $150,911,000 | $195,217,000 | $110,208,000 |
| Available For Sale Securities | $350,000 | $350,000 | $350,000 | $350,000 |
| Net PPE | $18,712,000 | $19,470,000 | $18,499,000 | $17,990,000 |
| Accumulated Depreciation | $-33,062,000 | $-32,850,000 | $-37,959,000 | $-36,380,000 |
| Gross PPE | $51,774,000 | $52,320,000 | $56,458,000 | $54,370,000 |
| Construction In Progress | $0 | $573,000 | $2,428,000 | - |
| Machinery Furniture Equipment | $10,482,000 | $10,474,000 | $16,585,000 | $16,482,000 |
| Buildings And Improvements | $35,777,000 | $35,739,000 | $31,891,000 | $32,334,000 |
| Land And Improvements | $5,515,000 | $5,534,000 | $5,554,000 | $5,554,000 |
| Other Short Term Investments | $308,648,000 | $339,477,000 | $350,168,000 | $376,803,000 |
| Invested Capital | - | $87,783,000 | - | $92,618,000 |
| Total Capitalization | - | $87,783,000 | - | $92,618,000 |
Fetched: 2026-02-02
Cash Flow Statement (Annual)
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $5,057,000 | $6,514,000 | $5,735,000 | $2,640,000 |
| Operating Activities | ||||
| Operating Cash Flow | $6,034,000 | $9,051,000 | $7,908,000 | $4,584,000 |
| Cash Flow From Continuing Operating Activities | $6,034,000 | $9,051,000 | $7,908,000 | $4,584,000 |
| Operating Gains Losses | $-9,000 | $-30,000 | - | $45,000 |
| Investing Activities | ||||
| Capital Expenditure | $-977,000 | $-2,537,000 | $-2,173,000 | $-1,944,000 |
| Investing Cash Flow | $68,007,000 | $62,378,000 | $-104,227,000 | $-196,245,000 |
| Cash Flow From Continuing Investing Activities | $68,007,000 | $62,378,000 | $-104,227,000 | $-196,245,000 |
| Net Other Investing Changes | $1,735,000 | $955,000 | $1,542,000 | $1,579,000 |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $-792,000 | $-208,000 | $0 | $-3,381,000 |
| Financing Cash Flow | $10,909,000 | $-81,471,000 | $79,164,000 | $150,110,000 |
| Cash Flow From Continuing Financing Activities | $10,909,000 | $-81,471,000 | $79,164,000 | $150,110,000 |
| Cash Dividends Paid | $-2,039,000 | $-2,473,000 | $-889,000 | $-769,000 |
| Common Stock Dividend Paid | $-2,039,000 | $-2,473,000 | $-889,000 | $-769,000 |
| Net Common Stock Issuance | $-792,000 | $-208,000 | $0 | $-3,381,000 |
| Other | ||||
| Repayment Of Debt | $-859,150,000 | $-750,850,000 | $-568,639,000 | $-79,603,000 |
| Issuance Of Debt | $840,650,000 | $769,350,000 | $567,750,000 | $79,523,000 |
| End Cash Position | $107,744,000 | $22,794,000 | $32,836,000 | $49,991,000 |
| Beginning Cash Position | $22,794,000 | $32,836,000 | $49,991,000 | $91,542,000 |
| Changes In Cash | $84,950,000 | $-10,042,000 | $-17,155,000 | $-41,551,000 |
| Common Stock Payments | $-792,000 | $-208,000 | $0 | $-3,381,000 |
| Net Issuance Payments Of Debt | $-18,500,000 | $18,500,000 | $-889,000 | $-80,000 |
| Net Long Term Debt Issuance | $-18,500,000 | $18,500,000 | $-889,000 | $-80,000 |
| Long Term Debt Payments | $-859,150,000 | $-750,850,000 | $-568,639,000 | $-79,603,000 |
| Long Term Debt Issuance | $840,650,000 | $769,350,000 | $567,750,000 | $79,523,000 |
| Net Investment Purchase And Sale | $62,481,000 | $65,186,000 | $-104,206,000 | $-239,673,000 |
| Sale Of Investment | $225,669,000 | $263,430,000 | $113,630,000 | $59,564,000 |
| Purchase Of Investment | $-163,188,000 | $-198,244,000 | $-217,836,000 | $-299,237,000 |
| Net Business Purchase And Sale | $0 | $0 | $-621,000 | $0 |
| Purchase Of Business | $0 | $0 | $-621,000 | $0 |
| Net PPE Purchase And Sale | $-912,000 | $-2,491,000 | $-2,173,000 | $-1,944,000 |
| Sale Of PPE | $65,000 | $46,000 | $0 | $0 |
| Purchase Of PPE | $-977,000 | $-2,537,000 | $-2,173,000 | $-1,944,000 |
| Change In Working Capital | $-15,168,000 | $1,291,000 | $-2,480,000 | $-825,000 |
| Change In Other Current Liabilities | $-403,000 | $438,000 | $184,000 | $-428,000 |
| Change In Other Current Assets | $-1,009,000 | $2,789,000 | $215,000 | $344,000 |
| Change In Receivables | $4,000 | $-246,000 | $-433,000 | $-741,000 |
| Changes In Account Receivables | $4,000 | $-246,000 | $-433,000 | $-741,000 |
| Other Non Cash Items | $-532,000 | $-389,000 | $-532,000 | $-718,000 |
| Asset Impairment Charge | $0 | $0 | $155,000 | $299,000 |
| Amortization Of Securities | $-1,538,000 | $-2,328,000 | $59,000 | $854,000 |
| Depreciation Amortization Depletion | $1,740,000 | $1,613,000 | $1,685,000 | $1,681,000 |
| Depreciation And Amortization | $1,740,000 | $1,613,000 | $1,685,000 | $1,681,000 |
| Amortization Cash Flow | $62,000 | $62,000 | $21,000 | $0 |
| Amortization Of Intangibles | $62,000 | $62,000 | $21,000 | $0 |
| Depreciation | $1,678,000 | $1,551,000 | $1,664,000 | $1,681,000 |
| Gain Loss On Sale Of PPE | $-9,000 | $-30,000 | $0 | $0 |
| Net Income From Continuing Operations | $21,703,000 | $9,166,000 | $8,941,000 | $8,911,000 |
| Gain Loss On Investment Securities | - | $0 | $0 | $45,000 |
Fetched: 2026-02-02