Peoples Financial Corporation (PFBX) Stock Analysis
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Peoples Financial Corporation (PFBX) trades at $22.75 with AI Score 48/100 (Grade C). Peoples Financial Corporation, established in 1896, operates as the bank holding company for The Peoples Bank, providing a range of banking… Market cap: $105M, Sector: Financial services.
Price as of Aug 21, 2026 · Last analyzed: Mar 16, 2026Analyst Coverage for PFBX: PFBX does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates PFBX against Financial Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
PFBX: the 3 scored disciplines are evenly split. Dominant signal: Ray Dalio bullish.
How is this calculated? →Why this analysis is different
- A 9-signal quantitative MoonshotScore built from filings, insider activity, and market data — computed from the numbers, not from opinion.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
Peoples Financial Corporation (PFBX) Financial Services Profile
Peoples Financial Corporation, as the holding company for The Peoples Bank, delivers comprehensive banking and trust services across Mississippi. With a focus on community banking, PFBX navigates the regional financial landscape, balancing traditional services with modern offerings like internet banking, while facing competition from both larger national banks and smaller regional players.
What Is the Investment Thesis for PFBX?
Peoples Financial Corporation presents a community banking model with a focus on Mississippi. The company's profitability, indicated by a 14.2% profit margin, is a key strength. However, the company's P/E ratio of 24.81 suggests it may be trading at a premium compared to peers. Growth catalysts include expanding its digital banking services and increasing its loan portfolio within its existing geographic footprint. Potential risks include competition from larger banks and the impact of economic downturns on its loan portfolio. The dividend yield of 1.71% provides a modest return for investors.
Based on FMP financials and quantitative analysis
PFBX Key Highlights
Market capitalization of $105M indicates a small-cap company.
- Profit margin of 14.2% demonstrates solid profitability.
- Gross margin of 100.0% reflects the nature of banking services.
- Beta of 0.19 suggests lower volatility compared to the overall market.
- Dividend yield of 1.71% provides a modest income stream for investors.
Who Are PFBX's Competitors?
PFBX is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| BCTF Bancorp 34, Inc. | $15.90 | +1.43% | $109M | 44 |
| BLHK Blueharbor Bank | $41.25 | -4.07% | $122M | 51 |
| CNBB CNB Community Bancorp, Inc. | $51.45 | +0.00% | $104M | 55 |
| CYVF Crystal Valley Financial Corporation | $79.99 | -1.12% | $101M | 53 |
| HWBK Hawthorn Bancshares, Inc. | $39.44 | +0.19% | $272M | 92 |
| FRAF Franklin Financial Services Corporation | $62.10 | +0.40% | $279M | 92 |
| FUNC First United Corporation | $43.35 | -0.55% | $280M | 92 |
| ATLO Ames National Corporation | $31.73 | +1.44% | $281M | 92 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are PFBX's Key Strengths?
Long-standing history and established presence in Mississippi.
- Strong local relationships with customers and communities.
- Diverse range of banking and trust services.
- Solid profitability with a 14.2% profit margin.
What Are PFBX's Weaknesses?
Limited geographic footprint, concentrated in Mississippi.
- Small market capitalization, making it vulnerable to market fluctuations.
- High P/E ratio compared to peers.
- Dependence on traditional banking services.
What Could Drive PFBX Stock Higher?
Potential expansion of digital banking services in Q3 2026.
- Efforts to increase lending to small businesses in Mississippi.
- Development of wealth management services to attract high-net-worth individuals.
- Strategic branch expansion in underserved areas.
- Implementation of enhanced cybersecurity measures.
What Are the Key Risks for PFBX?
Financial-distress signal — its Altman Z-Score of 0.10 sits in the distress zone (elevated bankruptcy risk).
- Increased competition from larger national banks and other regional banks.
- Economic downturns impacting loan portfolio quality.
- Increasing regulatory compliance costs.
- Cybersecurity threats and data breaches.
- Limited geographic footprint concentrated in Mississippi.
What Are the Growth Opportunities for PFBX?
- Expansion of Digital Banking Services: Peoples Financial Corporation can capitalize on the increasing demand for digital banking by enhancing its online and mobile banking platforms. Investing in user-friendly interfaces, secure transaction capabilities, and personalized financial management tools can attract and retain customers. The digital banking market is projected to reach $9 trillion by 2027, presenting a substantial opportunity for PFBX to increase its market share and customer base.
- Strategic Branch Expansion: While digital banking grows, a physical presence remains important. Strategically opening new branches in underserved areas within Mississippi can expand the company's reach and attract new customers. Focusing on locations with growing populations and limited banking options can provide a competitive advantage. This expansion can be coupled with community outreach programs to build local relationships and brand awareness.
- Increased Lending to Small Businesses: Small businesses are a vital part of the Mississippi economy, and Peoples Financial Corporation can grow by increasing its lending activities to this sector. Offering tailored loan products, competitive interest rates, and personalized financial advice can attract small business clients. The small business lending market is expected to grow as the economy recovers, providing a significant opportunity for PFBX.
- Development of Wealth Management Services: Expanding its wealth management services can generate additional revenue streams and attract high-net-worth individuals. Offering financial planning, investment management, and retirement planning services can cater to the growing demand for wealth management solutions. This expansion can be achieved through strategic partnerships or by hiring experienced wealth management professionals.
- Enhanced Cybersecurity Measures: With the increasing threat of cyberattacks, investing in robust cybersecurity measures is crucial for protecting customer data and maintaining trust. Implementing advanced security technologies, conducting regular security audits, and training employees on cybersecurity best practices can mitigate risks and enhance the company's reputation. This is an ongoing effort with increasing importance in the financial sector.
What Are PFBX's Competitive Advantages?
- Established local presence in Mississippi with a history dating back to 1896.
- Strong relationships with local customers and communities.
- Focus on providing personalized banking services.
- Community bank with local decision-making.
What Does PFBX Do?
Founded in 1896 and headquartered in Biloxi, Mississippi, Peoples Financial Corporation serves as the bank holding company for The Peoples Bank. The bank provides a wide array of banking, financial, and trust services tailored to government entities, individuals, and small to commercial businesses. Its core offerings include deposit accounts such as interest and non-interest-bearing checking accounts, savings accounts, certificates of deposit, and individual retirement accounts (IRAs). The company extends credit through business, commercial, real estate, construction, personal, and installment loans. Furthermore, Peoples Financial Corporation provides personal trust, agencies, and estate services, encompassing living and testamentary trusts, executorships, guardianships, and conservatorships. In addition to traditional banking services, the company offers self-directed IRAs, escrow management, stock transfer, and bond paying agency accounts to corporate clients. It also provides services such as safe deposit box rental, wire transfer, night drop facilities, collection, cash management, and internet banking. As of December 31, 2021, Peoples Financial Corporation operated through 17 branches across Harrison, Hancock, Jackson, and Stone counties, supported by 28 automated teller machines at its branch locations and other off-site locations. This extensive network allows the company to maintain a strong local presence and cater to the specific financial needs of its Mississippi customer base.
What Products and Services Does PFBX Offer?
- Provides banking services to individuals, small businesses, and government entities in Mississippi.
- Offers a variety of deposit accounts, including checking, savings, and certificates of deposit.
- Provides business, commercial, real estate, and personal loans.
- Offers trust and estate services, including living and testamentary trusts.
- Provides self-directed IRAs and escrow management services.
- Offers safe deposit box rental, wire transfer, and night drop facilities.
- Provides cash management and internet banking services.
How Does PFBX Make Money?
- Generates revenue through interest income from loans.
- Earns fees from deposit accounts and other banking services.
- Provides trust and wealth management services for a fee.
What Industry Does PFBX Operate In?
Peoples Financial Corporation operates within the regional banking sector, which is characterized by intense competition from larger national banks and smaller community banks. The industry is currently undergoing a digital transformation, with increasing adoption of online and mobile banking services. Regulatory compliance and interest rate fluctuations are significant factors influencing the performance of regional banks. The regional banking sector is expected to see moderate growth, driven by increasing economic activity and population growth in specific geographic areas.
Who Are PFBX's Key Customers?
- Individuals seeking personal banking services.
- Small businesses requiring loans and deposit accounts.
- Government entities needing financial services.
- Commercial businesses seeking loans and cash management solutions.
Financial Health
Peoples Financial Corporation's Piotroski F-Score is 5/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.10 places it in the distress zone, a signal of elevated financial risk.
Key Financial Metrics
Return on equity for Peoples Financial Corporation stands at 4.1%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.5%, showing how much profit it generates from its asset base. PFBX trades at a trailing price-to-earnings ratio of 25.39, above the Financial Services sector average of ~18x. Its free cash flow yield is 4.0%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.58 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 3.9%, the inverse of the P/E and a quick read on earnings relative to price.
Peoples Financial Corporation (PFBX) Valuation Context
Valued at $105M, PFBX is classified as a micro-cap stock. Relative to its peer group, PFBX's quantitative score of 48/100 is below the peer average of 59/100.
PFBX Revenue & Earnings Trend
In Q2 2026, PFBX generated $6.8M in top-line revenue, marking a sequential decrease of 9.8%. The company recorded net income of $897K, with diluted EPS of $0.19. Quarter-over-quarter revenue has been mixed, typical for a micro-cap company operating in Financial Services. Across the four most recent quarters, PFBX averaged $0.20 in diluted EPS.
Company Profile
Peoples Financial Corporation operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Biloxi, US. The company is led by CEO Chevis C. Swetman. PFBX has traded publicly since 1999.
PFBX Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Long-standing history and established presence in Mississippi.
- Strong local relationships with customers and communities.
- Diverse range of banking and trust services.
- Solid profitability with a 14.2% profit margin.
Bear Case
- Limited geographic footprint, concentrated in Mississippi.
- Small market capitalization, making it vulnerable to market fluctuations.
- High P/E ratio compared to peers.
- Dependence on traditional banking services.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · August 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q2 2026 | $7M | $897,000 | $0.19 |
| Q1 2026 | $8M | $1M | $0.31 |
| Q4 2025 | $1M | $716,000 | $0.16 |
| Q3 2025 | $8M | $643,000 | $0.14 |
Based on FMP financials and quantitative analysis
PFBX Latest News
No recent news available for PFBX.
PFBX Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for PFBX.
Price Targets
Wall Street price target analysis for PFBX.
PFBX MoonshotScore
What does this score mean?
The MoonshotScore rates PFBX 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: Chevis C. Swetman
CEO
Chevis C. Swetman serves as the CEO of Peoples Financial Corporation, leading a team of 131 employees. His career reflects a deep understanding of the banking sector and the Mississippi market. Swetman's leadership is characterized by a commitment to community banking principles and a focus on delivering personalized financial services to local customers. His experience in the financial services industry spans several years, providing him with a comprehensive perspective on the challenges and opportunities facing regional banks.
Track Record: Under Chevis C. Swetman's leadership, Peoples Financial Corporation has maintained a strong local presence and continued to provide essential banking services to the Mississippi community. Key achievements include navigating the evolving regulatory landscape and adapting to changing customer preferences. Swetman has focused on maintaining the bank's profitability and ensuring its long-term sustainability.
PFBX OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that Peoples Financial Corporation may not meet the minimum financial standards required for higher tiers like OTCQX or OTCQB. Companies in this tier may have limited reporting requirements and may not be subject to the same level of scrutiny as those listed on major exchanges like the NYSE or NASDAQ. This tier is often associated with higher risk and lower liquidity compared to listed companies.
- OTC Tier: OTC Other
- Limited financial disclosure may hinder informed investment decisions.
- Lower liquidity can lead to price volatility and difficulty in executing trades.
- Higher risk of fraud or mismanagement compared to exchange-listed companies.
- Limited regulatory oversight increases the potential for adverse events.
- OTC Other stocks may be more susceptible to pump-and-dump schemes.
- Verify the company's registration and legal standing.
- Review available financial statements and disclosures.
- Assess the company's business model and competitive landscape.
- Evaluate the management team's experience and track record.
- Monitor trading volume and price activity for unusual patterns.
- Understand the risks associated with OTC Other stocks.
- Consult with a financial advisor before investing.
- Long-standing history and established presence in Mississippi.
- Operation as a bank holding company for The Peoples Bank.
- Provision of essential banking services to the local community.
- Physical branch network and ATM locations.
- CEO leadership and employee base.
Common Questions About PFBX (Financial Services)
What does the AI Score mean for PFBX?
PFBX holds an AI Score of 48/100 (Grade: C). This is an educational research signal, not a buy or sell recommendation. Peoples Financial Corporation, established in 1896, operates as the bank holding company for The Peoples Bank, providing a range of banking, financial, and trust services in Mississippi. With a …
What does Peoples Financial Corporation do?
Peoples Financial Corporation operates as the bank holding company for The Peoples Bank, providing banking, financial, and trust services to individuals, small businesses, and government entities primarily in Mississippi. The company offers a range of deposit accounts, loans, and trust services, catering to the financial needs of its local customer base.
What do analysts say about PFBX stock?
Analyst coverage of PFBX is limited due to its small market capitalization and OTC listing. Key valuation metrics include a P/E ratio of 24.81 and a dividend yield of 1.71%. Growth considerations include the company's ability to expand its digital banking services and increase lending to small businesses. Investors should conduct their own due diligence and consider the risks associated with OTC stocks.
What are the main risks for PFBX?
The main risks for PFBX include competition from larger banks, economic downturns impacting loan quality, increasing regulatory compliance costs, and cybersecurity threats. As an OTC-listed company, PFBX faces additional risks related to limited financial disclosure and lower liquidity. The company's concentrated geographic footprint in Mississippi also exposes it to regional economic fluctuations.
What are the key factors to evaluate for PFBX?
Peoples Financial Corporation (PFBX) holds an AI score of 48/100 (low). Peoples Financial Corporation presents a community banking model with a focus on Mississippi. Not financial advice.
How frequently does PFBX data refresh on this page?
PFBX's price was last updated on Aug 21, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven PFBX's recent stock price performance?
Peoples Financial Corporation (PFBX) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Long-standing history and established presence in Mississippi. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider PFBX overvalued or undervalued right now?
Peoples Financial Corporation (PFBX) has no trailing P/E available here, so lean on price-to-sales and cash flow in the Financials tab. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
How do I research PFBX before investing?
Before investing in Peoples Financial Corporation (PFBX), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) analyst consensus ratings and price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is based on available data as of 2021 and 2026-03-16.
- AI analysis pending for PFBX.