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PEOPLES FINANCIAL CORP /MS/ PFBX

OTC · stock · State Commercial Banks · website · IPO 2000-05-10

PEOPLES FINANCIAL CORP /MS/ statistics & valuation

Market cap$98.1M
P / E25.1×
P / B1.0×
P / FCF23.4×
Dividend yield1.69%
Return on equity3.9%
Graham number -14.9%$20.42

Market cap as of 2026-06-30. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($20.42); a green figure means the price is below it.

Profitability & efficiency

Gross margin (%)
2016201720182019202020212022202320242025
Operating margin (%)
2016201720182019202020212022202320242025
Return on equity (%)
0.20% 3.10% 0.70% 1.80% -2.70% 9.70% 16.20% 13.20% 24.10% 3.90% 2016201720182019202020212022202320242025
Shares outstanding
5.1M 5.1M 4.9M 4.9M 4.9M 4.8M 4.7M 4.7M 4.7M 4.6M 2016201720182019202020212022202320242025
Net debt ($)
2016201720182019202020212022202320242025
Share buybacks ($)
2016201720182019202020212022202320242025
Return on assets (%)
0.00% 0.40% 0.10% 0.30% -0.40% 1.10% 1.00% 1.10% 2.60% 0.50% 2016201720182019202020212022202320242025
Free cash flow margin (%)
2016201720182019202020212022202320242025
Debt / equity (×)
2016201720182019202020212022202320242025
EPS ($)
$1.91 $1.96 $4.66 $0.85 2016201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

PEOPLES FINANCIAL CORP /MS/ trades at about 28.2× earnings — above its 10-year norm (10-year range 4.2×–24.4×, median 8×).

4.2× 28.2×

Shaded band = 10-year range (4.2×–24.4×); dot = today's 28.2×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Return on assets0.5%2.6%1.1%1.0%1.1%-0.4%0.3%0.1%0.4%0.0%
Return on equity3.9%24.1%13.2%16.2%9.7%-2.7%1.8%0.7%3.1%0.2%

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.