Stocktoria
PEOPLES FINANCIAL CORP /MS/ PFBX
PEOPLES FINANCIAL CORP /MS/ (PFBX) earns a Piotroski F-score of 4/9 (mixed financial health). It pays a dividend yielding 1.69% (safety: moderate).
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
How it ranks in Finance, Insurance & Real Estate · percentile among 1152 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 4/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| PFBX | PEOPLES FINANCIAL CORP /MS/ | 4/9 | — | 25.1 | — |
| STT | STATE STREET CORP | 6/9 | — | 15.8 | +7.3% |
| FCNCA | FIRST CITIZENS BANCSHARES INC /DE/ | 5/9 | — | 10.8 | -2.2% |
| CFG | CITIZENS FINANCIAL GROUP INC/RI | 7/9 | — | 16.3 | +5.6% |
| NTRS | NORTHERN TRUST CORP | 4/9 | — | 18.5 | -2.5% |
| ALLY | Ally Financial Inc. | 5/9 | — | 17 | -3.3% |
| MTB | M&T BANK CORP | 7/9 | — | 12.2 | +7.5% |
All Finance, Insurance & Real Estate companies →
About PEOPLES FINANCIAL CORP /MS/
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.
FAQ
Is PFBX financially healthy?
PEOPLES FINANCIAL CORP /MS/'s Piotroski F-score is 4/9 (8–9 is excellent, 0–3 weak).
Does PFBX pay a dividend, and is it safe?
Yes. PEOPLES FINANCIAL CORP /MS/ pays a dividend yielding about 1.69% with a 42.5% payout ratio, rated “moderate” for safety.
How profitable is PFBX?
In FY2025, PEOPLES FINANCIAL CORP /MS/ had a return on equity of 3.9%.
Is PFBX overvalued or undervalued?
PEOPLES FINANCIAL CORP /MS/ trades at about 28.2× trailing earnings — above its 10-year norm (10-year range 4.2×–24.4×, median 8.0×). Stocktoria reports the data, not buy/sell advice.
Is PFBX a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on PEOPLES FINANCIAL CORP /MS/: a Piotroski F-score of 4/9, a P/E of about 25.1×, a dividend yield of 1.69%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.