Peoples Financial Corp (PFBX) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Peoples Financial Corp stock $14.94, price $23.72, that is 37.0% below the price, quality 48 out of 100. Rating: strongly overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
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Peoples Financial Corp
PFBX · USOur calculation puts a fair price 37% below what the stock costs today.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 8, 2026.
How to read this chart
60‑month range $7.22 – $24.54 · fair‑value band $11.56 – $19.27 · the $23.72 price screens above the $14.94 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 8, 2026.
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Company profile
Peoples Financial Corporation operates as the bank holding company for The Peoples Bank that provides banking, financial, and trust services in the United States.
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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.
Stock analysis
Peoples Financial Corp (PFBX) currently trades at $23.72, while our model-based Fair Value estimate is $14.94, 37% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $15.42 per share, and 0 of the 6 models we run sit above the $23.72 price.
Bear case: the Dividend Discount group reads lowest at $3.47, and 6 of the 6 models stay below the price. Data coverage for this calculation is medium.
Scenario range: $11.56 (bear) to $19.27 (bull), the price of $23.72 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 48/100 (below-average quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Peoples Financial Corp reported revenue of $26.9M in FY2025 versus $25.9M in FY2021, a compound +0.9%/yr. Reported net income was $3.9M in FY2025, compounding −17.8%/yr from FY2021.
Key figures
Market cap $110M Micro · P/E ratio 29.3 · P/S ratio 4.02 · EPS (TTM) $0.8100 · Dividend yield 0.8% · Net margin 13.6% · Return on equity 3.7% · Return on assets (EBIT) 0.2% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 39 out of 100 (low confidence).
What moves the price
The share trades about 3% below its 52-week high and 19% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −37%, PFBX screens richer than that median.
Fair Value models
All 6 models by family
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Insider trades
In the last 6 months, 3 officers or directors bought shares worth $87,000, most recently on Aug 24, 2026. Over the same period, one person sold shares worth $63,750. Buying cluster
- BuyChevis SwetmanCEO/President, 10% owner2× since Apr 29, 2026: 3,500 shares, avg. $22.00$77,000Aug 24, 2026
- BuyStilwell Value Partners VII, L.P.10% owner3× since Jan 13, 2026: 43,552 shares, avg. $22.22$967,913Jul 31, 2026
- BuyStilwell Activist Investments, L.P.10% owner6× since Jan 23, 2026: 9,351 shares, avg. $20.96$195,992Jul 15, 2026
- BuyJoseph Stilwell10% owner6× since Jan 2, 2026: 11,241 shares, avg. $21.08$236,968Jul 2, 2026
- SaleAndrew T SwetmanFirst Vice President, 10% owner3× since Apr 27, 2026: 7,003 shares, avg. $21.39$149,815May 29, 2026
- BuyGeorge J Sliman IIIDirector2,000 shares at $21.25$42,500May 29, 2026
- BuyRonald G BarnesDirector1,000 shares at $21.25$21,250May 28, 2026
- BuyStilwell Value LLC10% owner6× since Jan 5, 2026: 40,319 shares, avg. $20.56$828,859May 18, 2026
- BuyStilwell Activist Fund, L.P.10% owner4× since Dec 8, 2025: 3,222 shares, avg. $21.03$67,772May 8, 2026
- BuyPadrick D DennisDirector2× since Dec 17, 2025: 7,003 shares, avg. $20.99$146,965Apr 27, 2026
Plus 1 more entries from the last 12 months.
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗
Revenue & earnings trend
PFBX screens overvalued: fair value 37% below the price. Compare with China Merchants Bank Co →
Compare Peoples Financial Corp with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
VALUE 0: the price sits above our fair-value range.
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Price/FCF by industry
- Debt-to-equity by industry
- Piotroski F-Score screener with fair value
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| Postal Savings Bank of China Co 601658 | ¥5.53 | ¥7.59 | +37% | vs PFBX |
| China Merchants Bank Co 600036 | ¥42.88 | ¥52.73 | +23% | vs PFBX |
| BNP Paribas SA BNP | €91.93 | €106.01 | +15% | vs PFBX |
| Intesa Sanpaolo S.p.A ISP | €6.18 | €4.49 | −27% | vs PFBX |
| State Bank of India SBIN | ₹1,019 | ₹736.65 | −28% | vs PFBX |
| UniCredit S.p.A UCG | €76.80 | €50.44 | −34% | vs PFBX |
| Mizuho Financial Group MFG | $9.40 | $5.89 | −37% | vs PFBX |
| DBS Group D05 | 69.72 SGD | 40.39 SGD | −42% | vs PFBX |
| HDFC Bank Limited HDFCBANK | ₹788.25 | ₹406.39 | −48% | vs PFBX |
| ICICI Bank Limited ICICIBANK | ₹1,571 | ₹615.63 | −61% | vs PFBX |
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Frequently asked questions
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Key figures of Peoples Financial Corp
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