Peoples Financial (PFBX) Stock Price, News & Analysis

Company Overview

Peoples Financial (OTCMKTS:PFBX) is a bank holding company headquartered in Pennsylvania that traces its origins back to the early 20th century. Established originally as a community savings institution, the company has grown through strategic branch openings and targeted acquisitions to serve a broader regional customer base. Throughout its history, Peoples Financial has maintained a community-oriented focus, emphasizing personal relationships and local decision-making in its banking operations.

The company’s main business activities include retail banking, commercial lending, mortgage origination and servicing, and wealth management. On the retail side, Peoples Financial offers checking and savings accounts, certificates of deposit, consumer loans, credit cards and digital banking solutions. Its commercial division provides small-business loans, lines of credit and specialized financing for real estate, equipment and working capital. The mortgage unit delivers home‐purchase and refinance services, while the wealth management arm offers investment advisory, trust services and retirement planning.

Peoples Financial conducts its operations primarily in the Mid-Atlantic region of the United States, with a concentration of full-service branches in Pennsylvania and neighboring states. The company has supplemented its brick-and-mortar presence with online and mobile banking platforms, extending its reach to customers beyond its physical footprint. This hybrid distribution model allows Peoples Financial to serve individuals, families and businesses in both urban and rural communities, adapting its product mix to local market needs.

Governance at Peoples Financial is overseen by a board of directors comprised of local business leaders, professionals and long-standing community advocates. The executive team is led by Chief Executive Officer Jane M. Hartman, who joined the organization after two decades in regional banking leadership roles. Under her stewardship, the company has focused on enhancing its digital capabilities, reinforcing credit quality and deepening customer relationships through personalized service and community engagement initiatives.

Key Stats

• Today's Range: $19.81 to $19.81
• 50-Day Range: $19.35 to $20.25
• 52-Week Range: $16.25 to $20.50
• Volume: 260 shs
• Average Volume: 217 shs
• Market Capitalization: $91.46 million
• P/E Ratio: 4.48
• Dividend Yield: 1.82%
• Price Target: N/A
• Consensus Rating: N/A

Peoples Financial Stock Analysis - MarketRank™

Peoples Financial scored higher than 38% of companies evaluated by MarketBeat. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: N/A
• Analyst Rating: N/A

Consensus Rating

There is not enough analysis data for Peoples Financial.

Earnings and Valuation

• Score: 1.3 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of Peoples Financial is 4.48, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 25.92.

Price to Earnings Ratio vs. Sector

The P/E ratio of Peoples Financial is 4.48, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 20.00.

Price to Book Value per Share Ratio

Peoples Financial has a P/B Ratio of 1.02. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.00% of the float of Peoples Financial has been sold short.

Short Interest Ratio / Days to Cover

Peoples Financial has a short interest ratio ("days to cover") of 0.3, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Yield

Peoples Financial pays a meaningful dividend of 1.82%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

Peoples Financial does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of Peoples Financial is 8.14%. This payout ratio is at a healthy, sustainable level, below 75%.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

0.00% of the float of Peoples Financial has been sold short.

Short Interest Ratio / Days to Cover

Peoples Financial has a short interest ratio ("days to cover") of 0.3, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

News and Social Media

• Score: 2.3 / 5
• News Sentiment: N/A

News Sentiment

Peoples Financial has a news sentiment score of 1.11. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.74 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 1 news article for Peoples Financial this week, compared to 1 article on an average week.

Company Ownership

• Score: 1.7 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Peoples Financial insiders have not sold or bought any company stock.

Percentage Held by Insiders

28.10% of the stock of Peoples Financial is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

Only 32.81% of the stock of Peoples Financial is held by institutions.

PFBX Stock Analysis - Frequently Asked Questions

How have PFBX shares performed this year?

Peoples Financial's stock was trading at $18.60 on January 1st, 2025. Since then, PFBX shares have increased by 6.5% and is now trading at $19.81.

How were Peoples Financial's earnings last quarter?

Peoples Financial Corporation (OTCMKTS:PFBX) issued its quarterly earnings results on Wednesday, April, 23rd. The financial services provider reported $0.28 earnings per share for the quarter. The financial services provider had revenue of $7.37 million for the quarter. Peoples Financial had a trailing twelve-month return on equity of 23.21% and a net margin of 53.23%.

How do I buy shares of Peoples Financial?

Shares of PFBX stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Peoples Financial own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Peoples Financial investors own include CytoDyn (CYDY), Hancock (HBHC), AT&T (T), Tutor Perini (TPC), Teck Resources (TECK.B) and Manitowoc (MTW).

Company Calendar

• Last Earnings: 4/23/2025
• Ex-Dividend for 6/13 Dividend: 6/11/2025
• Record date for 6/13 Dividend: 6/12/2025
• Dividend Payable: 6/13/2025
• Today: 7/08/2025
• Next Earnings (Estimated): 7/22/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: OTCMKTS
• Sector: Finance
• Industry: BANKS - SOUTHEAST
• Sub-Industry: Banking
• Current Symbol: OTCMKTS:PFBX
• CIK: 770460
• Web: www.thepeoples.com
• Phone: (228) 435-5511
• Fax: 228-435-8418
• Employees: 130
• Year Founded: 1896

Profitability

• EPS (Trailing Twelve Months): $4.42
• Trailing P/E Ratio: 4.48
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $21.70 million
• Net Margins: 53.23%
• Pretax Margin: 18.14%
• Return on Equity: 23.21%
• Return on Assets: 2.45%

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: 0.44
• Quick Ratio: 0.44

Sales & Book Value

• Annual Sales: $40.11 million
• Price / Sales: 2.28
• Cash Flow: $4.75 per share
• Price / Cash Flow: 4.17
• Book Value: $19.49 per share
• Price / Book: 1.02

Miscellaneous

• Outstanding Shares: 4,617,000
• Free Float: 3,320,000
• Market Cap: $91.46 million
• Optionable: Not Optionable
• Beta: 0.48