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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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Financial Services US

PF Peoples Financial Corp logo Some data Nov 8, 2026

Peoples Financial Corp

PFBX · US
Very expensive, weak quality

Our calculation puts a fair price 37% below what the stock costs today.

Solidly profitable · 13.6% net margin (TTM)
0.8% dividend yield · Low payout
Quality 48/100
Mixed Growth (revenue 5y +7.2 %/yr in USD)
Insiders bought $87,000 (6M) · sold $63,750
Some data
Fair value $14.94 · Strongly overvalued
Trails peers (2/13)
Narrow moat 39/100 · thin data
⚠ Thinly traded
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What runs behind every stock

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$24.54 $7.22 Fair Value $14.94 Feb 2017 Nov 2026

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

Bear $11.56 Fair Value $14.94 Bull $19.27
Price $23.72 · Downside -37.0%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($0.5402 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income $15.05 $14.94 $15.31 76
Gordon GGM $2.75 $3.41 $4.02 69
DDM Multi-Stage $2.75 $3.53 $4.35 67
All 6 models by family
Dividend Discount
Gordon GGM $2.75 $3.41 $4.02 69
DDM Multi-Stage $2.75 $3.53 $4.35 67
Multiples
P/E Multiple $8.26 $11.01 $13.76 63
P/B Multiple $14.86 $19.82 $24.77 55
Asset-Based
NCAV (Graham) $10.85 $14.53 $21.69 54
Economic Profit
Residual Income $15.05 $14.94 $15.31 76

Open the full fair value analysis →

Quality Score breakdown

Overall quality 48/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 24
How much profit the company makes from its sales and capital
Quality Growth 45
Are margins and returns getting better?
Cashflow 68
Do the profits arrive as real cash?
Financial strength 9
Debt, balance sheet and risk of trouble
Investment 67
Does it invest with discipline instead of growing at any price?
Low Volatility 83
How calm the share price moves, does not count
Price momentum 57
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 76
Distance to the 52-week high, does not count
New shares 84
Buys back shares or issues new ones?

Open the full quality analysis →

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

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 73/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
−9.8%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−1.8%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+7.2%
Start year 2020 (pandemic). Over 10 years: +1.7% a year
Revenue growth 25 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−2.4%
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Basis: EBIT basis.
+64.1%
Earnings growth per share plus dividend.
Earnings per share, growth per year+63.3%
Dividend (yield on the price)0.8%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.base effect: −4.2% / 38.5%
Pace: the 5-year rate starts in 2020 (pandemic)

PFBX screens overvalued: fair value 37% below the price. Compare with China Merchants Bank Co →

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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

Beats the industry median on 2/13 measures
Overall it trails its industry peers.
Valuation
Quality Score 48 · Below median
Fair Value upside −37.0% · Bottom 25%
Profitability
Return on equity (12 months) 3.7% · Bottom 25%
Return on assets 0.5% · Bottom 25%
Net margin (12 months) 13.6% · Bottom 25%
Operating margin (12 months) 16.3% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY) −6.0% · Bottom 25%
Dividend yield (12 months) 0.8% · Bottom 25%
Balance sheet
Debt / equity 0.01× · Lowest 25%

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 29.3× · Priciest 25%
P/B 1.09× · Cheaper than median
P/S (12 months) 4.02× · Pricier than median
Price / free cash flow (fiscal year) 26.1× · Priciest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 8
FUTURE (revenue growth)0 · sector 47
PAST (return on equity)15 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)15 · sector 53

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

Values & ESG

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

None of the checked exposures detected

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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Peoples Financial Corp: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Peoples Financial Corp Fair Value". https://www.fairvalue-calculator.com/stock/PFBX

Frequently asked questions

Is Peoples Financial Corp (PFBX) overvalued or undervalued?
As of Nov 8, 2026, our model estimates a fair value of $14.94 versus a price of $23.72, about 37% lower (overvalued).
What is the fair value of PFBX?
Our model-based fair value for Peoples Financial Corp is $14.94 (as of Nov 8, 2026), built from audited fundamentals. The current price: $23.72.
What is the quality score of PFBX?
Peoples Financial Corp has a Quality Score of 48/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Peoples Financial Corp (PFBX)?
Our model-based price target is the fair value of $14.94 (as of Nov 8, 2026) from 6 valuation models. Cautious scenario $11.56, optimistic scenario $19.27. It is a calculation from audited fundamentals, not an analyst target.
What is the Peoples Financial Corp stock forecast for 2026?
Our models put fair value at $14.94, about 37% lower versus a price of $23.72 (overvalued). Cautious scenario $11.56, optimistic scenario $19.27. The calculation is refreshed regularly with new filings.
What is the revenue of Peoples Financial Corp (PFBX)?
Peoples Financial Corp reported trailing-twelve-month revenue of about $27.3M (latest available figure, as of Nov 8, 2026).
Does Peoples Financial Corp pay a dividend?
Peoples Financial Corp currently shows a dividend yield of 0.76% relative to its recent price (as of Nov 8, 2026).
How much is the dividend of Peoples Financial Corp (PFBX) and when is the ex-dividend date?
Peoples Financial Corp pays a dividend of $0.18 per share a year, a dividend yield of 0.8%. The last ex-dividend date was Jun 5, 2026. A dividend has been paid every year since 2017. The payout ratio is 22.2% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.
What is the intrinsic value of Peoples Financial Corp (PFBX)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Peoples Financial Corp it is $14.94 per share (as of Nov 8, 2026), against a price of $23.72. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Peoples Financial Corp stock overvalued or undervalued in 2026?
As of Nov 8, 2026, PFBX trades above its calculated fair value: price $23.72, fair value $14.94, a gap of about −37% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of PFBX?
No. The price is what the market pays today ($23.72); the fair value is what the company's own numbers justify ($14.94). For Peoples Financial Corp the two are $8.78 per share apart. That gap is exactly why we show both numbers side by side.
How much is Peoples Financial Corp worth?
The market values Peoples Financial Corp at about $110M (market capitalisation, as of Nov 8, 2026). Per share that is $23.72; our models calculate a fair value of $14.94 per share.
What do the bullish and bearish scenarios say about PFBX?
Our models span a range for Peoples Financial Corp: cautious scenario $11.56, base $14.94, optimistic $19.27 per share (as of Nov 8, 2026, price $23.72). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of PFBX?
Peoples Financial Corp trades at a price-to-earnings ratio of 29.3 (as of Nov 8, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $14.94 is built from several models across several years. Median P/E at fiscal year-end, 9 fiscal years (2016 to 2025), reported earnings: 23.6. Other multiples: P/B 1.1, P/S 4.0.
How solid is the balance sheet of Peoples Financial Corp (PFBX)?
Balance-sheet figures for Peoples Financial Corp (as of Nov 8, 2026): return on equity 3.7%, debt of 0.01 per unit of equity. They feed the Quality Score of 48/100, which measures business quality independently of the share price.
How far is PFBX from its 52-week high?
Peoples Financial Corp trades at $23.72, about 3% below its 52-week high of $24.54 and 19% above the low of $19.90 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $14.94 is for.
Which stocks are comparable to Peoples Financial Corp?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Peoples Financial Corp stock attractive at the current price?
The data as of Nov 8, 2026: price $23.72, calculated fair value $14.94 (−37%), Quality Score 48/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of PFBX calculated?
We run Peoples Financial Corp through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $14.94 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. Peoples Financial Corp itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Peoples Financial Corp (PFBX)?
The closing price on Nov 6, 2026 was $23.72. Our model-based fair value is $14.94, about 37% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Peoples Financial Corp right now?
The price sits above even our optimistic bull case ($19.27). The favourable scenario is already priced in. Weak quality (48/100) and above fair value at the same time, the margin of safety is missing on both counts. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of Peoples Financial Corp

How large is the market capitalisation of Peoples Financial Corp (PFBX)?
The market capitalisation of Peoples Financial Corp is $110M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Peoples Financial Corp (PFBX)?
The price-to-sales ratio of Peoples Financial Corp is 4.02 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Peoples Financial Corp (PFBX)?
Earnings per share at Peoples Financial Corp are $0.8100 (price ÷ EPS = P/E 29.3). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Peoples Financial Corp (PFBX)?
The dividend yield of Peoples Financial Corp is 0.8% (payout 22.2%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Peoples Financial Corp (PFBX)?
The net margin of Peoples Financial Corp is 13.6% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Peoples Financial Corp (PFBX)?
The return on equity (ROE) of Peoples Financial Corp is 3.7% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Peoples Financial Corp (PFBX)?
On an EBIT basis the return on assets of Peoples Financial Corp is 0.2% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Peoples Financial Corp (PFBX)?
The operating margin of Peoples Financial Corp is 16.3% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Peoples Financial Corp (PFBX)?
Revenue at Peoples Financial Corp is growing −6.0% versus a year earlier (3y avg −1.8%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Peoples Financial Corp (PFBX)?
Earnings per share at Peoples Financial Corp are growing −27.8% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Peoples Financial Corp (PFBX) generate?
The free cash flow of Peoples Financial Corp is $4.2M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Peoples Financial Corp (PFBX) carry?
The net debt of Peoples Financial Corp is $19.0M (fiscal year 2018, ≈ 4.5 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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