Peoples Financial Corporation (PFBX)
Financial Services · OQX
Fundamentals
Valuation and ratings
Peoples Financial Corporation trades at USD22.84, close to the USD21.96 our discounted cash flow model puts on the business. On this measure the market and the model broadly agree, so the interesting question is which of them is wrong.
Our moat model scores it 19 out of 100, which is little in the way of a moat. A moat is a structural reason competitors cannot take the profits away, and it matters more to a long holding period than any single quarter's numbers do.
It changes hands at 26.2 times earnings. Be careful reading that in isolation: for a cyclical business a low P/E arrives at the top of the cycle, when profits are peaking and about to fall, which is exactly when the shares look cheapest and are not.
PFBX dividend history
Dividends per share by year
| Year | Total per share | Payments |
|---|---|---|
| 2026 (year to date) | USD0.180 | 1 |
| 2025 | USD0.360 | 2 |
| 2024 | USD0.440 | 2 |
| 2023 | USD0.530 | 2 |
| 2022 | USD0.190 | 2 |
| 2021 | USD0.160 | 2 |
| 2020 | USD0.020 | 1 |
| 2019 | USD0.030 | 2 |
| 2018 | USD0.020 | 2 |
| 2017 | USD0.010 | 1 |
| 2014 | USD0.100 | 1 |
Split-adjusted amounts in the listing currency, grouped by the calendar year of the ex-dividend date, from the filed record. Growth and streak figures compare complete years only.
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.
Common questions
Is Peoples Financial Corporation (PFBX) undervalued?
Against our discounted cash flow estimate of USD21.96, PFBX at USD22.84 is 4% above fair value. That is one model's answer, not a recommendation, and most of a DCF's output sits in a terminal value nobody can forecast.
What is PFBX's P/E ratio?
PFBX trades at 26.2 times earnings. A low P/E is not automatically cheap: on a cyclical company it is usually a warning that earnings are at a peak.
Does Peoples Financial Corporation (PFBX) pay a dividend?
Yes. Peoples Financial Corporation yields 1.66% at the current share price. It has paid USD0.360 per share over the trailing twelve months. It has paid a dividend in each of the last 9 complete calendar years. A dividend is declared by the board and can be cut at any time; a yield is a fact about the current price, not a promise.
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Data from company filings, exchange quotes and SEC EDGAR 13F disclosures. Quotes are delayed. Metrics we do not have are left out rather than estimated. Educational information, not financial advice.