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Peoples Financial Corporation (PFBX) Fair Value & Analysis

Financial Services · US · Market cap $106M

Price$22.25
Fair Value$11.01
Upside-50.5%
Quality95/100
Evidence: High Range $8.26 – $13.76

Fair value as of: Jun 26, 2026

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Analysis

Peoples Financial Corporation (PFBX) currently trades at $22.25, while our model-based Fair Value estimate is $11.01 — implying the stock looks roughly 50.5% overvalued today. We read business quality at 95/100 (high 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).

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. 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, h…

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Frequently asked questions

Is Peoples Financial Corporation (PFBX) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $11.01 versus a price of $22.25 — about −51% (overvalued). Model-based estimate, not financial advice.
What is the fair value of PFBX?
Our 21-model fair value for Peoples Financial Corporation is $11.01 (as of Jun 26, 2026), built from audited fundamentals. The current price is $22.25.
What is the quality score of PFBX?
Peoples Financial Corporation has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

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.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.