Peoples Financial Corporation (PFBX) Fair Value & Analysis

Financial Services · US · Market cap $106M

A solid business, but screening 53% overvalued on our models.

What matters now

• The price sits above even our optimistic bull case ($13.76). The favourable scenario is already priced in.
• Solid but not exceptional quality (51/100) and above fair value, neither a clear bargain nor a standout compounder.
• For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Price vs Fair Value (5 years)

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 27, 2026.

How to read this chart

60‑month range $7.22 – $23.63 · fair‑value band $8.26 – $13.76 · the $23.63 price screens above the $11.01 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 27, 2026.

Full chart & analysis →

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Analysis

Peoples Financial Corporation (PFBX) currently trades at $23.63, while our model-based Fair Value estimate is $11.01, implying the stock looks roughly 53.4% overvalued today. The Quality Score stands at 51/100 (solid quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: high).

Over the trailing twelve months, Peoples Financial Corporation generated revenue of $27.7M at a net margin of 14.6%. Revenue declined 5.2% year over year. It earns a return on equity of 4.1%. Net debt stands at $19.0M. Fundamentals as of Jul 27, 2026

Our scenario range runs from $8.26 (bear case) to $13.76 (bull case); at $23.63, the current price sits above that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades near its 52-week high and 21% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 42% fair-value upside, at -53%, PFBX screens richer than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.

Widest divergence: Asset-Based ($14.61) versus Dividend Discount ($3.05). Highest evidence: Residual Income (76).

Key figures & financial health

Quality Score breakdown

About the company

Peoples Financial Corporation operates as the bank holding company for The Peoples Bank that provides banking, financial, and trust services in the United States.

Full company description

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.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

Peoples Financial Corporation 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.

PFBX screens 53% overvalued. Compare with PT Bank Central Asia Tbk →

Peer Group

Banks - Regional · 1083 stocks

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.

Valuation Multiples vs Banks - Regional median · lower = cheaper

Snowflake

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

VALUE 0: the price sits above our fair-value range.

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

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Frequently asked questions

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.