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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 5/10

vs
industry
vs
history
Cash to Debt 8.59
PFBX's Cash to Debt is ranked higher than
56% of the 1134 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.18 vs. PFBX: 8.59 )
Ranked among companies with meaningful Cash to Debt only.
PFBX' s Cash to Debt Range Over the Past 10 Years
Min: 0.28  Med: 5.19 Max: N/A
Current: 8.59
Equity to Asset 0.13
PFBX's Equity to Asset is ranked higher than
75% of the 1602 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. PFBX: 0.13 )
Ranked among companies with meaningful Equity to Asset only.
PFBX' s Equity to Asset Range Over the Past 10 Years
Min: 0.1  Med: 0.13 Max: 0.15
Current: 0.13
0.1
0.15
F-Score: 5
M-Score: -2.37
WACC vs ROIC
1.07%
-5.52%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 4/10

vs
industry
vs
history
Operating margin (%) -16.63
PFBX's Operating margin (%) is ranked lower than
96% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.11 vs. PFBX: -16.63 )
Ranked among companies with meaningful Operating margin (%) only.
PFBX' s Operating margin (%) Range Over the Past 10 Years
Min: -21.13  Med: 7.94 Max: 45.33
Current: -16.63
-21.13
45.33
Net-margin (%) -13.56
PFBX's Net-margin (%) is ranked lower than
95% of the 1620 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.40 vs. PFBX: -13.56 )
Ranked among companies with meaningful Net-margin (%) only.
PFBX' s Net-margin (%) Range Over the Past 10 Years
Min: -34.1  Med: 6.23 Max: 30.1
Current: -13.56
-34.1
30.1
ROE (%) -3.62
PFBX's ROE (%) is ranked lower than
94% of the 1615 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.20 vs. PFBX: -3.62 )
Ranked among companies with meaningful ROE (%) only.
PFBX' s ROE (%) Range Over the Past 10 Years
Min: -10.31  Med: 1.93 Max: 13.75
Current: -3.62
-10.31
13.75
ROA (%) -0.49
PFBX's ROA (%) is ranked lower than
95% of the 1625 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. PFBX: -0.49 )
Ranked among companies with meaningful ROA (%) only.
PFBX' s ROA (%) Range Over the Past 10 Years
Min: -1.4  Med: 0.26 Max: 1.41
Current: -0.49
-1.4
1.41
Revenue Growth (3Y)(%) -7.50
PFBX's Revenue Growth (3Y)(%) is ranked lower than
84% of the 1336 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.80 vs. PFBX: -7.50 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
PFBX' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: -2.20 Max: 678.8
Current: -7.5
0
678.8
» PFBX's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-10-22)


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow
Oprt. Cash Flow & Net Income

» Details

Guru Trades

Q2 2015

PFBX Guru Trades in Q2 2015

Jim Simons 20,700 sh (+22.49%)
» More
Q3 2015

PFBX Guru Trades in Q3 2015

Jim Simons 21,800 sh (+5.31%)
» More
Q4 2015

PFBX Guru Trades in Q4 2015

Jim Simons 22,200 sh (+1.83%)
» More
Q1 2016

PFBX Guru Trades in Q1 2016

Jim Simons 23,400 sh (+5.41%)
» More
» Details

Insider Trades

Latest Guru Trades with PFBX

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Business Description

Industry: Banks » Banks - Regional - US
Compare:NAS:UBCP, NAS:CZWI, OTCPK:FDVA, NAS:PNBK, NAS:EMCF, OTCBB:DCBF, NAS:SBFG, NAS:WBKC, NAS:BYBK, NAS:FBSS, NAS:MGYR, NAS:PBIB, OTCPK:MNSB, OTCPK:DBCP, OTCPK:JFBC, NAS:BOTJ, NAS:USBI, NAS:WEBK, OTCPK:FABK, NAS:EBMT » details
Peoples Financial Corp is a bank holding company. The Company through its wholly-owned subsidiary provides banking, financial and trust services to state, county and local government entities and individuals and small and commercial businesses.

Peoples Financial Corp was organized as a one bank holding company in 1984. The Company operates in the state of Mississippi through its wholly-owned subsidiary, The Peoples Bank (the Bank). The Company is engaged, through this subsidiary, in the banking business. The Bank currently provides various services to individuals and small to middle market businesses within its trade area. The Bank's exposure for out of area, residential and land development, construction and commercial real estate loans as well as concentrations in the hotel/motel and gaming industries are monitored by the Company. Deposit services include interest bearing and non-interest bearing checking accounts, savings accounts, certificates of deposit, and IRA accounts. The Bank also offers a non-deposit funds management account, which is not insured by the Federal Deposit Insurance Corporation. The Bank generally provides depository accounts to individuals and small and middle market businesses in its trade area at interest rates consistent with market conditions. The Bank's Asset Management and Trust Services Department offers personal trust, agencies and estate services, including living and testamentary trusts, executorships, guardianships, and conservatorships. Benefit accounts maintained by the Department primarily include self-directed individual retirement accounts. Escrow management, stock transfer and bond paying agency accounts are available to corporate customers. The Bank also offers various services including safe deposit box rental, wire transfer services, night drop facilities, collection services, cash management and Internet banking. The Bank has 55 ATMs at its branch locations and other off-site, non-proprietary locations, providing bank customers access to their depository accounts. The Bank is a member of the PULSE network. The Bank is in direct competition with numerous local and regional commercial banks as well as other non-bank institutions. The Bank also competes for deposits and loans with insurance companies, finance companies, brokerage houses and credit unions. The Bank is subject to extensive regulation by the Board of Governors of the Federal Reserve System.

Ratios

vs
industry
vs
history
P/B 0.57
PFBX's P/B is ranked higher than
81% of the 1759 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. PFBX: 0.57 )
Ranked among companies with meaningful P/B only.
PFBX' s P/B Range Over the Past 10 Years
Min: 0.38  Med: 0.68 Max: 1.61
Current: 0.57
0.38
1.61
P/S 2.15
PFBX's P/S is ranked higher than
66% of the 1761 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.94 vs. PFBX: 2.15 )
Ranked among companies with meaningful P/S only.
PFBX' s P/S Range Over the Past 10 Years
Min: 1.35  Med: 2.15 Max: 8.01
Current: 2.15
1.35
8.01
PFCF 17.43
PFBX's PFCF is ranked lower than
77% of the 918 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.16 vs. PFBX: 17.43 )
Ranked among companies with meaningful PFCF only.
PFBX' s PFCF Range Over the Past 10 Years
Min: 2  Med: 8.71 Max: 32.28
Current: 17.43
2
32.28
POCF 13.56
PFBX's POCF is ranked lower than
74% of the 1025 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.89 vs. PFBX: 13.56 )
Ranked among companies with meaningful POCF only.
PFBX' s POCF Range Over the Past 10 Years
Min: 1.99  Med: 8.17 Max: 17.47
Current: 13.56
1.99
17.47
EV-to-EBIT 2.37
PFBX's EV-to-EBIT is ranked higher than
97% of the 1650 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.90 vs. PFBX: 2.37 )
Ranked among companies with meaningful EV-to-EBIT only.
PFBX' s EV-to-EBIT Range Over the Past 10 Years
Min: -99999999.99  Med: 7.30 Max: 25258.4
Current: 2.37
-99999999.99
25258.4
EV-to-EBITDA 4.12
PFBX's EV-to-EBITDA is ranked higher than
90% of the 1649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.75 vs. PFBX: 4.12 )
Ranked among companies with meaningful EV-to-EBITDA only.
PFBX' s EV-to-EBITDA Range Over the Past 10 Years
Min: -113.1  Med: 8.00 Max: 116.5
Current: 4.12
-113.1
116.5
Shiller P/E 23.78
PFBX's Shiller P/E is ranked lower than
73% of the 491 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.16 vs. PFBX: 23.78 )
Ranked among companies with meaningful Shiller P/E only.
PFBX' s Shiller P/E Range Over the Past 10 Years
Min: 7.34  Med: 12.37 Max: 24.66
Current: 23.78
7.34
24.66

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.57
PFBX's Price/Tangible Book is ranked higher than
81% of the 1747 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. PFBX: 0.57 )
Ranked among companies with meaningful Price/Tangible Book only.
PFBX' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.38  Med: 0.95 Max: 2.06
Current: 0.57
0.38
2.06
Price/Projected FCF 0.37
PFBX's Price/Projected FCF is ranked higher than
78% of the 973 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.67 vs. PFBX: 0.37 )
Ranked among companies with meaningful Price/Projected FCF only.
PFBX' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.29  Med: 0.57 Max: 1.41
Current: 0.37
0.29
1.41
Price/Median PS Value 1.01
PFBX's Price/Median PS Value is ranked higher than
51% of the 1684 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.01 vs. PFBX: 1.01 )
Ranked among companies with meaningful Price/Median PS Value only.
PFBX' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.63  Med: 1.28 Max: 10.07
Current: 1.01
0.63
10.07
Earnings Yield (Greenblatt) (%) 42.20
PFBX's Earnings Yield (Greenblatt) (%) is ranked higher than
97% of the 1803 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. PFBX: 42.20 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
PFBX' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.1  Med: 8.70 Max: 2040
Current: 42.2
0.1
2040
Forward Rate of Return (Yacktman) (%) -9.52
PFBX's Forward Rate of Return (Yacktman) (%) is ranked lower than
87% of the 844 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.22 vs. PFBX: -9.52 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
PFBX' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -27  Med: 11.30 Max: 20.4
Current: -9.52
-27
20.4

More Statistics

Revenue (TTM) (Mil) $24.82
EPS (TTM) $ -0.67
Beta-0.29
Short Percentage of Float0.77%
52-Week Range $8.53 - 11.26
Shares Outstanding (Mil)5.12
» More Articles for PFBX

Headlines

Articles On GuruFocus.com
6 Stocks With A Vision Of Higher Dividends Jan 02 2012 
Peoples Financial Corp. Reports Operating Results (10-Q) Nov 08 2010 
Peoples Financial Corp. Reports Operating Results (10-Q) Aug 09 2010 
Guru Stocks Raising Dividends: Duke Energy Corp., PETsMART Inc., Darden Restaurants Inc., Peoples Fi Jul 03 2010 
Peoples Financial Corp. Reports Operating Results (10-Q) May 07 2010 
Peoples Financial Corp. Reports Operating Results (10-Q) Nov 06 2009 
Peoples Financial Corp. Reports Operating Results (10-Q) Aug 07 2009 

More From Other Websites
PEOPLES FINANCIAL CORP /MS/ Financials May 20 2016
PEOPLES FINANCIAL CORP /MS/ Files SEC form 10-Q, Quarterly Report May 11 2016
PEOPLES FINANCIAL SERVICES CORP. Declares Second Quarter 2016 Dividend May 02 2016
PEOPLES FINANCIAL CORP /MS/ Files SEC form 8-K, Results of Operations and Financial Condition,... Apr 28 2016
Peoples Financial Corp Reports Results for First Quarter of 2016 Apr 28 2016
Peoples Financial Corporation Reports Results For First Quarter Of 2016 Apr 27 2016
PEOPLES FINANCIAL CORP /MS/ Files SEC form 10-K, Annual Report Mar 15 2016
Peoples Financial Corp Reports Results for Fourth Quarter of 2015 Jan 27 2016
PEOPLES FINANCIAL CORP /MS/ Files SEC form 8-K, Results of Operations and Financial Condition,... Jan 27 2016
Peoples Financial Corporation Reports Fourth Quarter And Year-End Results Jan 27 2016
Peoples Financial Corp Reports Results for Third Quarter of 2015 Nov 11 2015
PEOPLES FINANCIAL CORP /MS/ Files SEC form 10-Q, Quarterly Report Nov 10 2015
PEOPLES FINANCIAL CORP /MS/ Files SEC form 8-K, Results of Operations and Financial Condition,... Oct 28 2015
Peoples Financial Corporation Reports Results For Third Quarter Of 2015 Oct 28 2015
PEOPLES FINANCIAL SERVICES CORP. Reports Third Quarter 2015 Earnings Oct 22 2015
PEOPLES FINANCIAL CORP /MS/ Files SEC form 8-K, Change in Directors or Principal Officers Oct 08 2015
Peoples Financial Corp Completes Auction of Real Estate Properties Sep 28 2015
PEOPLES FINANCIAL CORP /MS/ Files SEC form 8-K, Results of Operations and Financial Condition,... Sep 23 2015
Peoples Financial Corporation Completes Auction Of Real Estate Properties Sep 23 2015
Peoples Financial Services CEO Buys 1,773 Shares Sep 21 2015

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