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Peoples Financial(OTC) PFBX

Current Price$22.84
Market Cap$105.45MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (2000)+11%
5 Year+61%
1 Year+17%
1 Month-0%
Peoples Financial last closing stock price
MetricPriceDate
Last closeUSD 22.842026-07-23
Peoples Financial stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+5%USD 21.752026-07-15
1 month-0.49%USD 22.952026-06-23
3 month+7.13%USD 21.322026-04-24
Year to date+13.13%USD 20.192025-12-31
1 year+17.25%USD 19.482025-07-23
3 year+106.22%USD 11.072023-07-19
5 year+61.35%USD 14.152021-07-23
Since inception+11.16%USD 20.552000-05-10

Peoples Financial Financials at a Glance

Market Cap

$105.45MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$26.09M

Net Income (TTM)

$4.05M

EPS (TTM)

$0.88

P/E Ratio

26.06

Dividend

$0.36

Beta (Volatility)

0.01 (Low)

Price

$22.84

Volume

235

Open

$22.84

Previous Close

$22.84

Daily Range

$22.84 - $22.84

52-Week Range

$19.81 - $23.05

Estimated Earnings Date

Apr 23, 2026

PFBX News

No articles available.

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About Peoples Financial

Peoples Financial helps Mississippi residents and businesses manage money and access loans. Its checking accounts and business loans support daily needs and local growth. The company’s trust services help families and companies manage assets and estates.

Products and Services

  • Deposit Accounts: Checking, savings, and certificates of deposit for individuals and businesses (revenue breakdown not disclosed).
  • Lending Services: Business, real estate, construction, and personal loans for local borrowers (revenue breakdown not disclosed).
  • Trust and Estate Services: Trust management, executorships, and guardianships for individuals and companies (trust fees: $2.5M in 2025).
  • Cash Management: Services like wire transfers, night drop, and internet banking for businesses and individuals.
  • ATM Network: 24 ATMs at branches and one off-site location for convenient cash access as of December 31, 2025.

Growth and Expansion

  • Focus on internal growth through new branch openings, not acquisitions (no major deals in recent years).
  • Adopted the Community Bank Leverage Ratio (CBLR) framework in Q3 2023 to simplify capital compliance.
  • Expanded trust and asset management services, a less common offering for banks of similar size.
  • Serves Mississippi, with some business in southern Louisiana and Alabama since before 2023.

What Makes Peoples Financial Stand Out

The company prioritizes local relationships and traditional banking over rapid expansion. Its trust and estate services set it apart from many small banks. Peoples Financial maintains strong capital levels and a conservative approach to growth.

Five Things You Need to Know

  • Interest income was $28.5M in 2025, down 13.9% from 2024.
  • Net income fell 82% in 2025 due to a one-time tax benefit in 2024.
  • Total deposits dropped 16.1% in 2025 after losing large public fund accounts.
  • Loans grew 12.9% in 2025, with real estate loans making up 90% of the portfolio.
  • Shareholders’ equity rose to $100.7M in 2025, up 11.9% from 2024.

Bottom Line

Peoples Financial remains a community-focused bank with steady lending and trust services. Its conservative strategy and local focus shape its business model and financial results.

AI Generated • Apr 16, 2026

Industry

Banks

Sector

Financials

Employees

132

CEO

Chevis C. Swetman, MBA

Website

www.thepeoples.com

Headquarters

Biloxi, MS 39533, US

PFBX Financials

Key Financial Metrics (TTM)

Gross Margin

107.25%

Operating Margin

19.07%

Net Income Margin

15.51%

Return on Equity

4.06%

Return on Capital

4.74%

Return on Assets

0.51%

Earnings Yield

3.84%

Dividend Yield

1.58%

Payout Ratio

41.07%

Stock Overview

Market Cap

$105.45MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

4.62M

Volume

235

Avg. Volume

582.839

Financials (TTM)

Gross Profit

$27.98M

Operating Income

$4.97M

EBITDA

$6.57M

Operating Cash Flow

$4.58M

Capital Expenditure

-$513.00K

Free Cash Flow

$4.07M

Cash & ST Invst.

$380.93M

Total Debt

$0.00

Peoples Financial Performance Analysis

Peoples Financial annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 30,603,00014.4%
20232023-12-31USD 39,493,00029.0%
20242024-12-31USD 40,099,0001.5%
20252025-12-31USD 35,658,000-11.1%
Peoples Financial sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-300.3%
Q32025-09-30-6.1%
Q42025-12-31-86.9%
Q12026-03-31584.9%
Peoples Financial annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 1.913.9%
20232023-12-31USD 1.962.6%
20242024-12-31USD 4.66137.7%
20252025-12-31USD 0.85-81.8%
Peoples Financial sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-30-3.6%
Q32025-09-30-48.1%
Q42025-12-3114.3%
Q12026-03-3193.8%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q1 2026YOY CHG

Revenue

$7.55M

-15.9%

Gross Profit

$7.56M

+6.6%

Gross Margin

1.00%

N/A

Market Cap

$105.45MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$798.87K

N/A

Employees

132

N/A

Net Income

$1.45M

+10.4%

EBITDA

$2.25M

+6.1%

Quarterly Fundamentals

Name
Q1 2026YOY CHG

Total Cash

$380.93M

-18.2%

Total Debt

$0.00

N/A

Accounts Receivable

$3.02M

-8.6%

Inventory

$0.00

N/A

Long Term Debt

$0.00

N/A

Short Term Debt

$0.00

N/A

Return on Assets

0.51%

N/A

Return on Invested Capital

4.07%

N/A

Free Cash Flow

$1.04M

-11.5%

Operating Cash Flow

$1.27M

+6.4%

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Questions About PFBX

What is the current price of Peoples Financial?

Peoples Financial is trading at $22.84 per share.

What is the 52-week range for Peoples Financial?

Over the past 52 weeks, Peoples Financial has traded between $19.81 and $23.05.

How much debt does Peoples Financial have?

As of the most recent reporting period, Peoples Financial reported total debt of $0.00.

How much cash does Peoples Financial have on hand?

Peoples Financial does not have cash on hand data available.

What is Peoples Financial’s dividend yield?

Peoples Financial currently has a dividend yield of 1.58%.

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