Peoples Financial (PFBX) Stock Price, News & Analysis

Company Overview

Peoples Financial Corporation is a bank holding company headquartered in Biloxi, Mississippi. The company operates through its principal subsidiary, The Peoples Bank, a community bank serving individuals, businesses and organizations in southern Mississippi.

The Peoples Bank provides a range of traditional banking services, including personal and business checking and savings accounts, certificates of deposit, consumer loans, residential and commercial real estate financing, and commercial lending. Its offerings also include electronic banking services such as online and mobile banking.

The bank traces its history to the late 19th century and has developed a branch network focused primarily on communities along and near the Mississippi Gulf Coast. Through its local banking model, Peoples Financial emphasizes relationship-based service for retail customers, small businesses and commercial clients.

Key Stats

• Today's Range: $23.47 to $23.47
• 50-Day Range: $22.75 to $24.54
• 52-Week Range: $20.20 to $24.54
• Volume: 552 shs
• Average Volume: 161 shs
• Market Capitalization: $108.43 million
• P/E Ratio: 29.34
• Dividend Yield: 1.53%
• Price Target: N/A
• Consensus Rating: N/A

Peoples Financial Stock Analysis - MarketRank™

Peoples Financial scored higher than 20% 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: 0.6 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of Peoples Financial is 29.34, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 35.58.

Price to Earnings Ratio vs. Sector

The P/E ratio of Peoples Financial is 29.34, which means that it is trading at a more expensive P/E ratio than the Finance sector average P/E ratio of about 22.76.

Price to Book Value per Share Ratio

Peoples Financial has a P/B Ratio of 1.08. 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

0.01% 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 0.63, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Peoples Financial has recently increased by 163.46%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Yield

Peoples Financial pays a meaningful dividend of 1.49%, 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 45.00%. This payout ratio is at a healthy, sustainable level, below 75%.

News and Social Media

• Score: 1.2 / 5
• News Sentiment: -0.01

News Sentiment

Peoples Financial has a news sentiment score of -0.01. 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 lower news sentiment than the 0.65 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 3 news articles for Peoples Financial this week, compared to 0 articles on an average week.

Company Ownership

• Score: 1.1 / 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

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

Company Calendar

• Last Earnings: 7/22/2026
• Today: 10/14/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: OTCMKTS
• Sector: Finance
• Industry: Banks
• Sub-Industry: Regional Banks
• Current Symbol: OTCMKTS:PFBX
• CIK: 770460
• Web: www.thepeoples.com
• Phone: (228) 435-5511
• Fax: 228-435-8418
• Employees: 131
• Year Founded: 1896

Profitability

• EPS (Trailing Twelve Months): $0.80
• Trailing P/E Ratio: 29.34
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $3.91 million
• Net Margins: 10.47%
• Pretax Margin: 12.73%
• Return on Equity: 3.67%
• Return on Assets: 0.49%

Debt

• Debt-to-Equity Ratio: 0.38
• Current Ratio: 0.49
• Quick Ratio: 0.49

Sales & Book Value

• Annual Sales: $35.66 million
• Price / Sales: 3.04
• Cash Flow: $1.04 per share
• Price / Cash Flow: 22.48
• Book Value: $21.80 per share
• Price / Book: 1.08

Miscellaneous

• Outstanding Shares: 4,620,000
• Free Float: 3,320,000
• Market Cap: $108.43 million
• Optionable: Not Optionable
• Beta: 0.19