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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 : 4/10

vs
industry
vs
history
Cash to Debt 0.47
PFBX's Cash to Debt is ranked higher than
64% of the 1272 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. PFBX: 0.47 )
PFBX' s 10-Year Cash to Debt Range
Min: 0.28   Max: No Debt
Current: 0.47

Equity to Asset 0.13
PFBX's Equity to Asset is ranked higher than
82% of the 1588 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. PFBX: 0.13 )
PFBX' s 10-Year Equity to Asset Range
Min: 0.1   Max: 0.27
Current: 0.13

0.1
0.27
F-Score: 4
Z-Score: 0.15
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 : 5/10

vs
industry
vs
history
Operating margin (%) -8.41
PFBX's Operating margin (%) is ranked lower than
55% of the 1462 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.05 vs. PFBX: -8.41 )
PFBX' s 10-Year Operating margin (%) Range
Min: -8.41   Max: 45.33
Current: -8.41

-8.41
45.33
Net-margin (%) -1.65
PFBX's Net-margin (%) is ranked lower than
55% of the 1570 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.57 vs. PFBX: -1.65 )
PFBX' s 10-Year Net-margin (%) Range
Min: -1.65   Max: 30.1
Current: -1.65

-1.65
30.1
ROE (%) -0.54
PFBX's ROE (%) is ranked lower than
55% of the 1554 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.99 vs. PFBX: -0.54 )
PFBX' s 10-Year ROE (%) Range
Min: -0.54   Max: 13
Current: -0.54

-0.54
13
ROA (%) -0.07
PFBX's ROA (%) is ranked lower than
55% of the 1563 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.75 vs. PFBX: -0.07 )
PFBX' s 10-Year ROA (%) Range
Min: -0.07   Max: 1.8
Current: -0.07

-0.07
1.8
ROC (Joel Greenblatt) (%) -10.82
PFBX's ROC (Joel Greenblatt) (%) is ranked lower than
54% of the 1437 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 78.30 vs. PFBX: -10.82 )
PFBX' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -10.82   Max: 97.8
Current: -10.82

-10.82
97.8
Revenue Growth (%) -2.40
PFBX's Revenue Growth (%) is ranked higher than
65% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. PFBX: -2.40 )
PFBX' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 101
Current: -2.4

0
101
» PFBX's 10-Y Financials

Financials


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

» Details

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Ratios

vs
industry
vs
history
P/B 0.70
PFBX's P/B is ranked higher than
85% of the 1479 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. PFBX: 0.70 )
PFBX' s 10-Year P/B Range
Min: 0.38   Max: 1.68
Current: 0.7

0.38
1.68
P/S 2.12
PFBX's P/S is ranked higher than
69% of the 1638 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.80 vs. PFBX: 2.12 )
PFBX' s 10-Year P/S Range
Min: 1.35   Max: 7.44
Current: 2.12

1.35
7.44
PFCF 8.00
PFBX's PFCF is ranked higher than
55% of the 940 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. PFBX: 8.00 )
PFBX' s 10-Year PFCF Range
Min: 2   Max: 121
Current: 8

2
121
EV-to-EBIT 500.00
PFBX's EV-to-EBIT is ranked lower than
77% of the 1447 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.51 vs. PFBX: 500.00 )
PFBX' s 10-Year EV-to-EBIT Range
Min: 0.3   Max: 25258.4
Current: 500

0.3
25258.4
Shiller P/E 29.80
PFBX's Shiller P/E is ranked lower than
59% of the 841 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.71 vs. PFBX: 29.80 )
PFBX' s 10-Year Shiller P/E Range
Min: 7.48   Max: 30.53
Current: 29.8

7.48
30.53

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.80
PFBX's Dividend Yield is ranked lower than
88% of the 1312 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.40 vs. PFBX: 0.80 )
PFBX' s 10-Year Dividend Yield Range
Min: 1.19   Max: 3.63
Current: 0.8

1.19
3.63
Dividend growth (3y) -100.00
PFBX's Dividend growth (3y) is ranked higher than
50% of the 809 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.20 vs. PFBX: -100.00 )
PFBX' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 36.2
Current: -100

0
36.2
Yield on cost (5-Year) 0.80
PFBX's Yield on cost (5-Year) is ranked lower than
83% of the 1327 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.66 vs. PFBX: 0.80 )
PFBX' s 10-Year Yield on cost (5-Year) Range
Min: 1.19   Max: 3.63
Current: 0.8

1.19
3.63
Share Buyback Rate 0.10
PFBX's Share Buyback Rate is ranked higher than
89% of the 1170 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.70 vs. PFBX: 0.10 )
PFBX' s 10-Year Share Buyback Rate Range
Min: 0   Max: -1.4
Current: 0.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.70
PFBX's Price/Tangible Book is ranked higher than
90% of the 1380 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. PFBX: 0.70 )
PFBX' s 10-Year Price/Tangible Book Range
Min: 0.44   Max: 2.33
Current: 0.7

0.44
2.33
Price/DCF (Projected) 0.40
PFBX's Price/DCF (Projected) is ranked higher than
87% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. PFBX: 0.40 )
PFBX' s 10-Year Price/DCF (Projected) Range
Min: 0.31   Max: 0.85
Current: 0.4

0.31
0.85
Price/Median PS Value 0.80
PFBX's Price/Median PS Value is ranked higher than
90% of the 1493 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. PFBX: 0.80 )
PFBX' s 10-Year Price/Median PS Value Range
Min: 0.54   Max: 1.47
Current: 0.8

0.54
1.47
Earnings Yield (Greenblatt) 0.20
PFBX's Earnings Yield (Greenblatt) is ranked lower than
66% of the 1411 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. PFBX: 0.20 )
PFBX' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.1   Max: 2040
Current: 0.2

0.1
2040
Forward Rate of Return (Yacktman) 11.76
PFBX's Forward Rate of Return (Yacktman) is ranked higher than
70% of the 1102 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.77 vs. PFBX: 11.76 )
PFBX' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -26.7   Max: 32.2
Current: 11.76

-26.7
32.2

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Peoples Financial Corporation 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 a variety of services to individuals and small to middle market businesses within its trade area. The Bank's main lending focus is to provide business, commercial, real estate, construction, personal and installment loans, with an emphasis on commercial lending. The Bank's exposure for out of area, 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 a variety of other services including safe deposit box rental, wire transfer services, night drop facilities, collection services, cash management and Internet banking. The Bank has 51 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. As such, the Company is required to file periodic reports and additional information required by the Federal Reserve.

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