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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 : 3/10

vs
industry
vs
history
Cash to Debt 0.93
PFBX's Cash to Debt is ranked lower than
57% of the 970 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.49 vs. PFBX: 0.93 )
Ranked among companies with meaningful Cash to Debt only.
PFBX' s 10-Year Cash to Debt Range
Min: 0.28  Med: 5.27 Max: N/A
Current: 0.93
Equity to Asset 0.13
PFBX's Equity to Asset is ranked higher than
75% of the 1323 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 10-Year Equity to Asset Range
Min: 0.1  Med: 0.13 Max: 0.15
Current: 0.13
0.1
0.15
F-Score: 3
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 (%) -24.49
PFBX's Operating margin (%) is ranked lower than
97% of the 1388 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.90 vs. PFBX: -24.49 )
Ranked among companies with meaningful Operating margin (%) only.
PFBX' s 10-Year Operating margin (%) Range
Min: -3050  Med: 14.84 Max: 45.33
Current: -24.49
-3050
45.33
Net-margin (%) -41.53
PFBX's Net-margin (%) is ranked lower than
98% of the 1388 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.60 vs. PFBX: -41.53 )
Ranked among companies with meaningful Net-margin (%) only.
PFBX' s 10-Year Net-margin (%) Range
Min: -34.1  Med: 15.19 Max: 1259.38
Current: -41.53
-34.1
1259.38
ROE (%) -11.76
PFBX's ROE (%) is ranked lower than
96% of the 1390 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.16 vs. PFBX: -11.76 )
Ranked among companies with meaningful ROE (%) only.
PFBX' s 10-Year ROE (%) Range
Min: -10.31  Med: 4.88 Max: 19.78
Current: -11.76
-10.31
19.78
ROA (%) -1.61
PFBX's ROA (%) is ranked lower than
96% of the 1399 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. PFBX: -1.61 )
Ranked among companies with meaningful ROA (%) only.
PFBX' s 10-Year ROA (%) Range
Min: -1.4  Med: 0.75 Max: 3.07
Current: -1.61
-1.4
3.07
ROC (Joel Greenblatt) (%) -28.64
PFBX's ROC (Joel Greenblatt) (%) is ranked lower than
94% of the 1381 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 76.24 vs. PFBX: -28.64 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
PFBX' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -274.54  Med: 21.32 Max: 102.42
Current: -28.64
-274.54
102.42
Revenue Growth (3Y)(%) -2.40
PFBX's Revenue Growth (3Y)(%) is ranked lower than
71% of the 1174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.00 vs. PFBX: -2.40 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
PFBX' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0  Med: 0.70 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

Guru Trades

PFBX Guru Trades in

PFBX Guru Trades in

Q4 2014

PFBX Guru Trades in Q4 2014

Jim Simons 13,700 sh (New)
» More
Q1 2015

PFBX Guru Trades in Q1 2015

Jim Simons 16,900 sh (+23.36%)
» More
» Details

Insider Trades

Latest Guru Trades with PFBX

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Ratios

vs
industry
vs
history
Forward P/E 23.75
PFBX's Forward P/E is ranked lower than
96% of the 710 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.17 vs. PFBX: 23.75 )
Ranked among companies with meaningful Forward P/E only.
N/A
P/B 0.50
PFBX's P/B is ranked higher than
88% of the 1349 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. PFBX: 0.50 )
Ranked among companies with meaningful P/B only.
PFBX' s 10-Year P/B Range
Min: 0.38  Med: 0.80 Max: 1.61
Current: 0.5
0.38
1.61
P/S 1.75
PFBX's P/S is ranked higher than
78% of the 1371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.99 vs. PFBX: 1.75 )
Ranked among companies with meaningful P/S only.
PFBX' s 10-Year P/S Range
Min: 1.35  Med: 2.38 Max: 8.03
Current: 1.75
1.35
8.03
PFCF 8.27
PFBX's PFCF is ranked higher than
61% of the 803 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.27 vs. PFBX: 8.27 )
Ranked among companies with meaningful PFCF only.
PFBX' s 10-Year PFCF Range
Min: 2  Med: 8.53 Max: 64.63
Current: 8.27
2
64.63
POCF 7.92
PFBX's POCF is ranked higher than
58% of the 916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.79 vs. PFBX: 7.92 )
Ranked among companies with meaningful POCF only.
PFBX' s 10-Year POCF Range
Min: 1.99  Med: 7.63 Max: 20.15
Current: 7.92
1.99
20.15
Days Sales Outstanding 28.18
PFBX's Days Sales Outstanding is ranked higher than
61% of the 769 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 33.98 vs. PFBX: 28.18 )
Ranked among companies with meaningful Days Sales Outstanding only.
PFBX' s 10-Year Days Sales Outstanding Range
Min: 26.44  Med: 48.29 Max: 1802.19
Current: 28.18
26.44
1802.19

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.03
PFBX's Dividend Yield is ranked lower than
88% of the 2204 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.60 vs. PFBX: 1.03 )
Ranked among companies with meaningful Dividend Yield only.
PFBX' s 10-Year Dividend Yield Range
Min: 0.63  Med: 1.86 Max: 3.68
Current: 1.03
0.63
3.68
Dividend Payout 0.56
PFBX's Dividend Payout is ranked lower than
79% of the 1287 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. PFBX: 0.56 )
Ranked among companies with meaningful Dividend Payout only.
PFBX' s 10-Year Dividend Payout Range
Min: 0.26  Med: 0.69 Max: 5
Current: 0.56
0.26
5
Dividend growth (3y) -29.10
PFBX's Dividend growth (3y) is ranked lower than
89% of the 657 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.50 vs. PFBX: -29.10 )
Ranked among companies with meaningful Dividend growth (3y) only.
PFBX' s 10-Year Dividend growth (3y) Range
Min: 0  Med: -12.30 Max: 36.2
Current: -29.1
0
36.2
Yield on cost (5-Year) 0.97
PFBX's Yield on cost (5-Year) is ranked lower than
87% of the 2195 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.03 vs. PFBX: 0.97 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
PFBX' s 10-Year Yield on cost (5-Year) Range
Min: 0.63  Med: 1.86 Max: 3.68
Current: 0.97
0.63
3.68
Share Buyback Rate 0.10
PFBX's Share Buyback Rate is ranked higher than
79% of the 997 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. PFBX: 0.10 )
Ranked among companies with meaningful Share Buyback Rate only.
PFBX' s 10-Year Share Buyback Rate Range
Min: 0  Med: 0.90 Max: -1.3
Current: 0.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.55
PFBX's Price/Tangible Book is ranked higher than
88% of the 1328 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. PFBX: 0.55 )
Ranked among companies with meaningful Price/Tangible Book only.
PFBX' s 10-Year Price/Tangible Book Range
Min: 0.38  Med: 0.98 Max: 2.06
Current: 0.55
0.38
2.06
Price/Projected FCF 0.35
PFBX's Price/Projected FCF is ranked higher than
85% of the 775 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.67 vs. PFBX: 0.35 )
Ranked among companies with meaningful Price/Projected FCF only.
PFBX' s 10-Year Price/Projected FCF Range
Min: 0.29  Med: 0.71 Max: 1.52
Current: 0.35
0.29
1.52
Price/Median PS Value 0.79
PFBX's Price/Median PS Value is ranked higher than
88% of the 1280 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. PFBX: 0.79 )
Ranked among companies with meaningful Price/Median PS Value only.
PFBX' s 10-Year Price/Median PS Value Range
Min: 0.57  Med: 1.18 Max: 9.11
Current: 0.79
0.57
9.11
Earnings Yield (Greenblatt) (%) -13.27
PFBX's Earnings Yield (Greenblatt) (%) is ranked lower than
96% of the 1372 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. PFBX: -13.27 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
PFBX' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: -12.57  Med: 9.90 Max: 2040
Current: -13.27
-12.57
2040
Forward Rate of Return (Yacktman) (%) -7.57
PFBX's Forward Rate of Return (Yacktman) (%) is ranked lower than
83% of the 765 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.43 vs. PFBX: -7.57 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
PFBX' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -19.2  Med: 11.70 Max: 21.3
Current: -7.57
-19.2
21.3

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 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) 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
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Peoples Financial Corp. Reports Results for First Quarter of 2015 May 18 2015
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PEOPLES FINANCIAL CORP /MS/ Files SEC form 8-K, Change in Directors or Principal Officers Jan 02 2015
PEOPLES FINANCIAL CORP /MS/ Files SEC form 8-K, Other Events, Financial Statements and Exhibits Dec 16 2014
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