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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 0.50
PFBX's Cash to Debt is ranked higher than
66% of the 1566 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. PFBX: 0.50 )
PFBX' s 10-Year Cash to Debt Range
Min: 0.28   Max: No Debt
Current: 0.5

Equity to Asset 0.14
PFBX's Equity to Asset is ranked higher than
90% of the 2010 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. PFBX: 0.14 )
PFBX' s 10-Year Equity to Asset Range
Min: 0.1   Max: 0.15
Current: 0.14

0.1
0.15
F-Score: 5
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 : 4/10

vs
industry
vs
history
Operating margin (%) -14.44
PFBX's Operating margin (%) is ranked lower than
52% of the 2021 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.33 vs. PFBX: -14.44 )
PFBX' s 10-Year Operating margin (%) Range
Min: -3050   Max: 45.33
Current: -14.44

-3050
45.33
Net-margin (%) -5.54
PFBX's Net-margin (%) is ranked lower than
51% of the 2021 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.41 vs. PFBX: -5.54 )
PFBX' s 10-Year Net-margin (%) Range
Min: -1.65   Max: 1259.38
Current: -5.54

-1.65
1259.38
ROE (%) -1.74
PFBX's ROE (%) is ranked higher than
50% of the 2031 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.59 vs. PFBX: -1.74 )
PFBX' s 10-Year ROE (%) Range
Min: -0.51   Max: 19.78
Current: -1.74

-0.51
19.78
ROA (%) -0.23
PFBX's ROA (%) is ranked higher than
50% of the 2034 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. PFBX: -0.23 )
PFBX' s 10-Year ROA (%) Range
Min: -0.07   Max: 3.07
Current: -0.23

-0.07
3.07
ROC (Joel Greenblatt) (%) -18.50
PFBX's ROC (Joel Greenblatt) (%) is ranked lower than
51% of the 2003 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 76.89 vs. PFBX: -18.50 )
PFBX' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -274.54   Max: 102.42
Current: -18.5

-274.54
102.42
Revenue Growth (%) -2.40
PFBX's Revenue Growth (%) is ranked higher than
66% of the 1740 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. PFBX: -2.40 )
PFBX' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 704.1
Current: -2.4

0
704.1
» 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 0.65
PFBX's P/B is ranked higher than
93% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.33 vs. PFBX: 0.65 )
PFBX' s 10-Year P/B Range
Min: 0.38   Max: 1.61
Current: 0.65

0.38
1.61
P/S 2.08
PFBX's P/S is ranked higher than
87% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.56 vs. PFBX: 2.08 )
PFBX' s 10-Year P/S Range
Min: 1.35   Max: 8.03
Current: 2.08

1.35
8.03
PFCF 7.50
PFBX's PFCF is ranked higher than
89% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. PFBX: 7.50 )
PFBX' s 10-Year PFCF Range
Min: 2   Max: 64.63
Current: 7.5

2
64.63
EV-to-EBIT -21.15
PFBX's EV-to-EBIT is ranked lower than
54% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.47 vs. PFBX: -21.15 )
PFBX' s 10-Year EV-to-EBIT Range
Min: -99999999.99   Max: 25258.4
Current: -21.15

-99999999.99
25258.4
Shiller P/E 40.96
PFBX's Shiller P/E is ranked higher than
78% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. PFBX: 40.96 )
PFBX' s 10-Year Shiller P/E Range
Min: 7.48   Max: 42.31
Current: 40.96

7.48
42.31

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.77
PFBX's Dividend Yield is ranked lower than
89% of the 1876 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.32 vs. PFBX: 0.77 )
PFBX' s 10-Year Dividend Yield Range
Min: 0.63   Max: 3.68
Current: 0.77

0.63
3.68
Dividend Payout 0.56
PFBX's Dividend Payout is ranked higher than
65% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.61 vs. PFBX: 0.56 )
PFBX' s 10-Year Dividend Payout Range
Min: 0.26   Max: 5
Current: 0.56

0.26
5
Dividend growth (3y) -100.00
PFBX's Dividend growth (3y) is ranked higher than
56% of the 1127 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.50 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
85% of the 1889 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.53 vs. PFBX: 0.80 )
PFBX' s 10-Year Yield on cost (5-Year) Range
Min: 0.63   Max: 3.68
Current: 0.8

0.63
3.68
Share Buyback Rate 0.10
PFBX's Share Buyback Rate is ranked higher than
87% of the 1472 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 vs. PFBX: 0.10 )
PFBX' s 10-Year Share Buyback Rate Range
Min: 0   Max: -1.3
Current: 0.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.65
PFBX's Price/Tangible Book is ranked higher than
94% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.58 vs. PFBX: 0.65 )
PFBX' s 10-Year Price/Tangible Book Range
Min: 0.38   Max: 4.12
Current: 0.65

0.38
4.12
Price/DCF (Projected) 0.40
PFBX's Price/DCF (Projected) is ranked higher than
93% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.09 vs. PFBX: 0.40 )
PFBX' s 10-Year Price/DCF (Projected) Range
Min: 0.29   Max: 1.48
Current: 0.4

0.29
1.48
Price/Median PS Value 0.77
PFBX's Price/Median PS Value is ranked higher than
94% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.21 vs. PFBX: 0.77 )
PFBX' s 10-Year Price/Median PS Value Range
Min: 0.51   Max: 16.18
Current: 0.77

0.51
16.18
Earnings Yield (Greenblatt) -4.70
PFBX's Earnings Yield (Greenblatt) is ranked lower than
51% of the 1996 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. PFBX: -4.70 )
PFBX' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.1   Max: 2040
Current: -4.7

0.1
2040
Forward Rate of Return (Yacktman) -12.13
PFBX's Forward Rate of Return (Yacktman) is ranked higher than
51% of the 1246 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.25 vs. PFBX: -12.13 )
PFBX' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -19.2   Max: 21.6
Current: -12.13

-19.2
21.6

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
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.
» More Articles for NAS:PFBX

Headlines

Articles On GuruFocus.com
6 Stocks With A Vision Of Higher Dividends Jan 02 2012 
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Peoples Financial Corp. Reports Operating Results (10-Q) Aug 09 2010 
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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 
Peoples Financial Corporation Earns $1.8 Million in Fourth Quarter 2008, $5.0 Million for Year Jan 20 2009 
Peoples Financial Corporation Raises Semiannual Dividend to $.30 Per Share Dec 16 2008 

More From Other Websites
PEOPLES FINANCIAL CORP /MS/ Files SEC form 8-K, Other Events, Financial Statements and Exhibits Dec 16 2014
Jeff Theiler Joins The Peoples Bank As Senior Vice President & Chief Operating Officer Dec 02 2014
PEOPLES FINANCIAL CORP /MS/ Financials Nov 21 2014
10-Q for Peoples Financial Corp. (Mississippi) Nov 15 2014
PEOPLES FINANCIAL CORP /MS/ Files SEC form 10-Q, Quarterly Report Nov 13 2014
Peoples Financial Corporation Posts Quarterly Loss Caused By Continuing Issues With Two Loans Nov 11 2014
PEOPLES FINANCIAL CORP /MS/ Files SEC form 8-K, Results of Operations and Financial Condition,... Oct 22 2014
Peoples Financial Corporation Posts Quarterly Loss Caused By Continuing Issues With Two Loans Oct 22 2014
PEOPLES FINANCIAL CORP /MS/ Files SEC form 10-Q, Quarterly Report Aug 13 2014
PEOPLES FINANCIAL CORP /MS/ Files SEC form 8-K, Results of Operations and Financial Condition,... Jul 23 2014
Peoples Financial Corporation Earns $335,000 In Second Quarter Of 2014, Reversing Loss In Same... Jul 23 2014
PEOPLES FINANCIAL CORP /MS/ Files SEC form 8-K, Other Events, Financial Statements and Exhibits May 28 2014
Peoples Financial Corporation Declares Semiannual Dividend Of $.10 Per Share May 28 2014
PEOPLES FINANCIAL CORP /MS/ Files SEC form 10-Q, Quarterly Report May 13 2014
PEOPLES FINANCIAL CORP /MS/ Files SEC form 8-K, Results of Operations and Financial Condition,... Apr 23 2014
Peoples Financial Corporation Earns $579,000 In First Quarter Of 2014 Apr 23 2014
PEOPLES FINANCIAL CORP /MS/ Files SEC form 10-K, Annual Report Mar 18 2014
PEOPLES FINANCIAL CORP /MS/ Files SEC form 8-K, Results of Operations and Financial Condition,... Jan 22 2014
Peoples Financial Corporation Actions On Non-Performing Assets Generate Loss In Fourth Quarter &... Jan 22 2014
PEOPLES FINANCIAL CORP /MS/ Files SEC form 8-K, Other Events, Financial Statements and Exhibits Dec 19 2013

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