PFBX

Peoples Financial Corporation

Financial · USD

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Price alert · PFBX

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24.24 USD +0.83 +3.55%
As of Oct 30, 2026
23.50 Day range 23.50
20.20 52-week range 24.54
YTD
+19.06%
1 year
+19.70%
Open
23.50
Prev close
23.41
Mkt cap
111.93M
Vol
13
Avg vol
1.31K
EPS
0.81
P/E
29.93
Div yield
0.15%
More statistics
Low
23.50
High
23.50
Forward P/E
21.50
Beta
0.10
Short ratio
1.72
Inst. own
19.05%
Dividend
0.02
Ex-div date
Sep 28, 2017
50-d avg
13.24
200-d avg
13.81
1y target
15.75

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Financial health

Altman Z-Score

-0.13 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

5 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

C-1 / 5 overall

  • DCF 3
  • Return on Equity 1
  • Return on Assets 1
  • Debt / Equity 1
  • P/E 1
  • P/B 1

Valuation

P/E 24.0×
FY 2016: 538×FY 2017: 24.1×FY 2018: 88.5×FY 2019: 32.2×FY 2020: -24.1×FY 2021: 9.0×FY 2022: 7.6×FY 2023: 8.5×FY 2024: 4.0×FY 2025: 24.0×
FY 2016 5y median 8.5× FY 2025
P/S 3.4×
FY 2016: 3.4×FY 2017: 2.6×FY 2018: 2.2×FY 2019: 2.0×FY 2020: 2.6×FY 2021: 3.1×FY 2022: 2.3×FY 2023: 2.0×FY 2024: 2.2×FY 2025: 3.4×
FY 2016 5y median 2.3× FY 2025
P/B 0.9×
FY 2016: 0.9×FY 2017: 0.7×FY 2018: 0.7×FY 2019: 0.6×FY 2020: 0.7×FY 2021: 0.9×FY 2022: 1.2×FY 2023: 1.1×FY 2024: 1.0×FY 2025: 0.9×
FY 2016 5y median 1.0× FY 2025
P/FCF 22.4×
FY 2016: 39.0×FY 2017: 14.7×FY 2018: 16.1×FY 2019: 14.7×FY 2020: 12.1×FY 2021: 30.6×FY 2022: 11.8×FY 2023: 11.9×FY 2024: 17.1×FY 2025: 22.4×
FY 2016 5y median 17.1× FY 2025
EV/EBITDA 11.7×
FY 2016: 23.2×FY 2017: 14.6×FY 2018: 30.0×FY 2019: 7.9×FY 2020: 32.8×FY 2021: 3.0×FY 2022: 4.3×FY 2023: 5.7×FY 2024: -2.1×FY 2025: 11.7×
FY 2016 5y median 4.3× FY 2025
EV/Sales 2.7×
FY 2016: 1.9×FY 2017: 2.1×FY 2018: 3.0×FY 2019: 1.0×FY 2020: -0.9×FY 2021: 1.2×FY 2022: 1.2×FY 2023: 1.9×FY 2024: -0.5×FY 2025: 2.7×
FY 2016 5y median 1.2× FY 2025
FCF Yield 4.5%
FY 2016: 2.6%FY 2017: 6.8%FY 2018: 6.2%FY 2019: 6.8%FY 2020: 8.3%FY 2021: 3.3%FY 2022: 8.5%FY 2023: 8.4%FY 2024: 5.8%FY 2025: 4.5%
FY 2016 5y median 5.8% FY 2025

Profitability

Gross Margin 100.0%
FY 2016: 93.5%FY 2017: 93.9%FY 2018: 89.2%FY 2019: 88.0%FY 2020: 70.7%FY 2021: 118.3%FY 2022: 92.6%FY 2023: 84.9%FY 2024: 76.0%FY 2025: 100.0%
FY 2016 5y median 92.6% FY 2025
Operating Margin 17.5%
FY 2016: 1.0%FY 2017: 6.7%FY 2018: 2.3%FY 2019: 6.2%FY 2020: -9.9%FY 2021: 34.0%FY 2022: 21.6%FY 2023: 29.0%FY 2024: 21.2%FY 2025: 17.5%
FY 2016 5y median 21.6% FY 2025
Net Margin 14.2%
FY 2016: 0.7%FY 2017: 11.0%FY 2018: 2.4%FY 2019: 6.2%FY 2020: -9.9%FY 2021: 33.7%FY 2022: 29.7%FY 2023: 23.6%FY 2024: 55.0%FY 2025: 14.2%
FY 2016 5y median 29.7% FY 2025
ROE 3.9%
FY 2016: 0.2%FY 2017: 3.1%FY 2018: 0.7%FY 2019: 1.8%FY 2020: -2.7%FY 2021: 9.7%FY 2022: 16.2%FY 2023: 13.2%FY 2024: 24.1%FY 2025: 3.9%
FY 2016 5y median 13.2% FY 2025
ROIC 3.1%
FY 2016: 0.1%FY 2017: 1.4%FY 2018: 0.4%FY 2019: 1.4%FY 2020: -2.2%FY 2021: 7.8%FY 2022: 8.6%FY 2023: 8.2%FY 2024: 7.5%FY 2025: 3.1%
FY 2016 5y median 7.8% FY 2025
ROA 0.5%
FY 2016: 0.0%FY 2017: 0.4%FY 2018: 0.1%FY 2019: 0.3%FY 2020: -0.4%FY 2021: 1.1%FY 2022: 1.0%FY 2023: 1.1%FY 2024: 2.6%FY 2025: 0.5%
FY 2016 5y median 1.1% FY 2025

Growth (YoY)

Revenue -30.3%
FY 2016: -4.6%FY 2017: 2.0%FY 2018: 2.6%FY 2019: 4.9%FY 2020: -4.4%FY 2021: 2.0%FY 2022: 14.0%FY 2023: 29.2%FY 2024: 1.4%FY 2025: -30.3%
FY 2016 FY 2025
Operating Income -42.6%
FY 2016: 104.6%FY 2017: 584.9%FY 2018: -64.7%FY 2019: 183.1%FY 2020: -252.4%FY 2021: 450.8%FY 2022: -27.4%FY 2023: 73.4%FY 2024: -25.8%FY 2025: -42.6%
FY 2016 FY 2025
EPS (diluted) -81.8%
FY 2016: 103.3%FY 2017: 1700.0%FY 2018: -75.9%FY 2019: 161.5%FY 2020: -264.7%FY 2021: 428.6%FY 2022: 3.8%FY 2023: 2.6%FY 2024: 137.8%FY 2025: -81.8%
FY 2016 FY 2025
Free Cash Flow -16.9%
FY 2016: -49.7%FY 2017: 113.6%FY 2018: -21.0%FY 2019: 3.0%FY 2020: 48.4%FY 2021: -51.8%FY 2022: 117.2%FY 2023: 13.6%FY 2024: -22.4%FY 2025: -16.9%
FY 2016 FY 2025

Financial Health

Current Ratio 0.0×
FY 2016: 0.5×FY 2017: 0.5×FY 2018: 0.5×FY 2019: 0.5×FY 2020: 0.5×FY 2021: 0.6×FY 2022: 0.5×FY 2023: 0.0×FY 2024: 0.6×FY 2025: 0.0×
FY 2016 5y median 0.5× FY 2025
Quick Ratio 0.0×
FY 2016: 0.5×FY 2017: 0.5×FY 2018: 0.5×FY 2019: 0.5×FY 2020: 0.5×FY 2021: 0.6×FY 2022: 0.5×FY 2023: 0.0×FY 2024: 0.6×FY 2025: 0.0×
FY 2016 5y median 0.5× FY 2025
Debt / Equity 0.0×
FY 2016: 0.1×FY 2017: 0.1×FY 2018: 0.4×FY 2019: 0.0×FY 2020: 0.0×FY 2021: 0.0×FY 2022: 0.0×FY 2023: 0.3×FY 2024: 0.0×FY 2025: 0.0×
FY 2016 5y median 0.0× FY 2025
Net Debt / EBITDA -2.9×
FY 2016: -16.9×FY 2017: -3.9×FY 2018: 7.4×FY 2019: -7.2×FY 2020: 121×FY 2021: -4.6×FY 2022: -4.0×FY 2023: -0.3×FY 2024: -10.6×FY 2025: -2.9×
FY 2016 5y median -4.0× FY 2025
Interest Coverage 0.6×
FY 2016: 0.2×FY 2017: 1.2×FY 2018: 0.2×FY 2019: 0.5×FY 2020: -1.6×FY 2021: 10.8×FY 2022: 3.0×FY 2023: 1.8×FY 2024: 0.9×FY 2025: 0.6×
FY 2016 5y median 1.8× FY 2025

Dividends

Dividend Yield 1.8%
FY 2016: 0.0%FY 2017: 0.1%FY 2018: 0.2%FY 2019: 0.3%FY 2020: 0.1%FY 2021: 1.0%FY 2022: 1.3%FY 2023: 3.2%FY 2024: 2.4%FY 2025: 1.8%
FY 2016 5y median 1.8% FY 2025
Payout Ratio 42.5%
FY 2016: 0.0%FY 2017: 1.8%FY 2018: 16.1%FY 2019: 8.8%FY 2020: -3.8%FY 2021: 8.6%FY 2022: 9.9%FY 2023: 27.0%FY 2024: 9.4%FY 2025: 42.5%
FY 2016 5y median 9.9% FY 2025

Annual · latest fiscal year ends 2025-12-31