Financial Services
Peoples Financial Corporation(PFBX)
Live Price
Offline$22.95
+0.00% today
1Y Change
+7.65%
Window
Jun 23, 2025 โ Jun 8, 2026
- Market Cap
- $100.00M
- Revenue Growth
- -30.3%
- EPS Growth
- -81.8%
- Dividend Yield
- 1.7%
Coverage: 241 bars ยท Jun 23, 2025 โ Jun 8, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
Peoples Financial Corporation (PFBX) is a Financial Services stock with a market cap of $100.00M and listed on OTC. The stock last traded around $22.95 and up 7.6% across the available one-year price window (Jun 23, 2025 โ Jun 8, 2026). Baseline metrics include revenue growth of -30.3%, EPS growth of -81.8%, a dividend yield of 1.7%. What stands out right now is revenue -30.3%, EPS -81.8%, free cash flow -16.9% with operating margin 19.1% and ROIC 3.2%. The dividend is present but secondary, with a yield around 1.7%. Valuation is more restrained than many high-expectation growth names at P/E 24.4 and price/sales 3.8. Overall, the current profile looks closer to a turnaround or cyclical reset than a generic broad-market placeholder. Stock Foundry combines PFBX price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Sector Context
How this name stacks up against nearby peers on first-pass metrics.
Revenue Growth
Below sector median
-30.3% vs +3.4% peer median
Operating Margin
Above sector median
+19.1% vs +4.7% peer median
What Changed This Quarter
Latest report context and the signals most likely to have changed the story.
Latest report is on the board
2026 was reported on Apr 23, 2026, but the surprise data is still limited.
The operating picture looks softer than before
Revenue is at -30.3% and EPS is at -81.8%, with operating margin around 19.1%.
Shareholder return is still part of the story
The stock is still offering a dividend yield around 1.7%, which matters if the thesis depends on income as much as growth.
Earnings Reaction Memory
How the stock has tended to move after recent reports.
Across the last 3 reported quarters, the stock averaged +1.6% over the next 5 trading days and finished higher after 3 of those reports.
View quarter-by-quarter reaction table
| Quarter | EPS ฮ | 1D | 5D | 20D |
|---|---|---|---|---|
2026 Apr 23, 2026 | โ | +2.3% | +1.6% | +1.1% |
2026 Apr 21, 2026 | โ | +0.0% | +2.3% | +1.1% |
2026 Jan 29, 2026 | โ | +0.0% | +0.8% | +2.5% |
Benchmark Comparison
Normalized Performance vs SPY
Compare this ticker against a broad index, growth benchmark, or sector ETF using a shared 1Y normalization window.
PFBX
โ
Normalized return
SPY
โ
S&P 500
Excess Return
โ
Relative to SPY
PFBX Max Drawdown
-9.58%
Trailing 1Y
SPY Max Drawdown
โ
Trailing 1Y
Calendar-Year Returns
Uses the longest available daily history for PFBX and SPY.
Company Overview
Peoples Financial Corporation
Other OTC
Peoples Financial Corporation operates as the bank holding company for The Peoples Bank that provides banking, financial, and trust services to government entities, individuals, and small and commercial businesses in Mississippi. It accepts various deposits, such as interest and non-interest-bearing checking accounts, savings accounts, certificates of deposit, and individual retirement accounts (IRAs). The company also offers business, commercial, real estate, construction, personal, and instalment loans; and personal trust, agencies, and estate services, including living and testamentary trusts, executorships, guardianships, and conservatorships. In addition, it provides self-directed IRAs; and escrow management, stock transfer, and bond paying agency accounts to corporate customers. Further, the company offers various other services consisting of safe deposit box rental, wire transfer, night drop facilities, collection, cash management, and internet banking services. As of December 31, 2021, the company operated through 17 branches located in Harrison, Hancock, Jackson, and Stone counties. It also has 28 automated teller machines at its branch locations, as well as other off-site and non-proprietary locations. The company was founded in 1896 and is headquartered in Biloxi, Mississippi.
- Leadership
- Chevis C. Swetman
- IPO Date
- Jul 19, 1999
- Employees
- 131
- Street Address
- Lameuse and Howard Avenues
- Mailing
- Biloxi, MS, 39533
- Region
- Biloxi, MS, US
- Reporting Currency
- USD
- Investor Line
- 228-435-5511
- Last Updated
- May 3, 2026
Key Fundamentals
Valuation, growth, profitability, and balance sheet signals.
Valuation
- P/E
- 24.4
- EV/EBITDA
- 12.9
- Price/Sales
- 3.8
- Price/Book
- 1.0
Growth
- Revenue
- -30.3%
- EPS
- -81.8%
- Free Cash Flow
- -16.9%
Profitability
- Gross Margin
- 107.2%
- Operating Margin
- 19.1%
- Net Margin
- 15.5%
- ROE
- 4.1%
- ROIC
- 3.2%
Balance Sheet
- Debt/Equity
- 0.01
- Current Ratio
- 0.04
Earnings Reports
Latest News
Official Releases
Company announcements and filings-style updates.
Next Step
Keep the research moving
After the overview, the strongest next step is usually chart context or a tighter compare set.