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Peoples Financial (Peoples Financial) Cyclically Adjusted Price-to-FCF : 15.18 (As of Apr. 27, 2024)


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What is Peoples Financial Cyclically Adjusted Price-to-FCF?

As of today (2024-04-27), Peoples Financial's current share price is $16.09. Peoples Financial's Cyclically Adjusted FCF per Share for the quarter that ended in Dec. 2023 was $1.06. Peoples Financial's Cyclically Adjusted Price-to-FCF for today is 15.18.

The historical rank and industry rank for Peoples Financial's Cyclically Adjusted Price-to-FCF or its related term are showing as below:

PFBX' s Cyclically Adjusted Price-to-FCF Range Over the Past 10 Years
Min: 5.6   Med: 8.94   Max: 15.94
Current: 15.03

During the past years, Peoples Financial's highest Cyclically Adjusted Price-to-FCF was 15.94. The lowest was 5.60. And the median was 8.94.

PFBX's Cyclically Adjusted Price-to-FCF is ranked worse than
83.17% of 832 companies
in the Banks industry
Industry Median: 7.405 vs PFBX: 15.03

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

Peoples Financial's adjusted free cash flow per share data for the three months ended in Dec. 2023 was $0.484. Add all the adjusted free cash flow per share for the past 10 years together and divide 10 will get our Cyclically Adjusted FCF per Share, which is $1.06 for the trailing ten years ended in Dec. 2023.

Shiller PE for Stocks: The True Measure of Stock Valuation


Peoples Financial Cyclically Adjusted Price-to-FCF Historical Data

The historical data trend for Peoples Financial's Cyclically Adjusted Price-to-FCF can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

Peoples Financial Cyclically Adjusted Price-to-FCF Chart

Peoples Financial Annual Data
Trend Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23
Cyclically Adjusted Price-to-FCF
Get a 7-Day Free Trial Premium Member Only Premium Member Only 8.48 11.17 14.80 12.92 15.59

Peoples Financial Quarterly Data
Mar19 Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23
Cyclically Adjusted Price-to-FCF Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 12.92 10.81 10.84 11.32 15.59

Competitive Comparison of Peoples Financial's Cyclically Adjusted Price-to-FCF

For the Banks - Regional subindustry, Peoples Financial's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Peoples Financial's Cyclically Adjusted Price-to-FCF Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Peoples Financial's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where Peoples Financial's Cyclically Adjusted Price-to-FCF falls into.



Peoples Financial Cyclically Adjusted Price-to-FCF Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted Price-to-FCF takes the Free Cash Flow per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/FCF calculation. Because it considers this 10-year average, it's often referred to as the CAPFCF Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF.

Peoples Financial's Cyclically Adjusted Price-to-FCF for today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/ Cyclically Adjusted FCF per Share
=16.09/1.06
=15.18

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Peoples Financial's Cyclically Adjusted FCF per Share for the quarter that ended in Dec. 2023 is calculated as:

For example, Peoples Financial's adjusted Free Cash Flow per Share data for the three months ended in Dec. 2023 was:

Adj_FreeCashFlowPerShare=Free Cash Flow per Share/CPI of Dec. 2023 (Change)*Current CPI (Dec. 2023)
=0.484/129.4194*129.4194
=0.484

Current CPI (Dec. 2023) = 129.4194.

Peoples Financial Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201403 0.206 99.695 0.267
201406 0.447 100.560 0.575
201409 0.259 100.428 0.334
201412 0.312 99.070 0.408
201503 0.134 99.621 0.174
201506 0.235 100.684 0.302
201509 0.158 100.392 0.204
201512 0.298 99.792 0.386
201603 -0.092 100.470 -0.119
201606 0.162 101.688 0.206
201609 0.217 101.861 0.276
201612 0.127 101.863 0.161
201703 0.084 102.862 0.106
201706 0.165 103.349 0.207
201709 0.329 104.136 0.409
201712 0.308 104.011 0.383
201803 -0.011 105.290 -0.014
201806 0.220 106.317 0.268
201809 0.160 106.507 0.194
201812 0.346 105.998 0.422
201903 0.022 107.251 0.027
201906 0.105 108.070 0.126
201909 0.236 108.329 0.282
201912 0.384 108.420 0.458
202003 0.120 108.902 0.143
202006 0.249 108.767 0.296
202009 0.414 109.815 0.488
202012 0.338 109.897 0.398
202103 0.081 111.754 0.094
202106 -0.006 114.631 -0.007
202109 0.240 115.734 0.268
202112 0.232 117.630 0.255
202203 0.095 121.301 0.101
202206 0.068 125.017 0.070
202209 0.173 125.227 0.179
202212 0.890 125.222 0.920
202303 0.041 127.348 0.042
202306 0.421 128.729 0.423
202309 0.448 129.860 0.446
202312 0.484 129.419 0.484

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.


Peoples Financial  (OTCPK:PFBX) Cyclically Adjusted Price-to-FCF Explanation

Compared with the regular Price-to-Free-Cash-Flow, which works poorly for cyclical businesses, the Cyclically Adjusted Price-to-FCF smoothed out the fluctuations of free cash flow during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted Price-to-FCF should give similar results to regular Price-to-Free-Cash-Flow.


Peoples Financial Cyclically Adjusted Price-to-FCF Related Terms

Thank you for viewing the detailed overview of Peoples Financial's Cyclically Adjusted Price-to-FCF provided by GuruFocus.com. Please click on the following links to see related term pages.


Peoples Financial (Peoples Financial) Business Description

Traded in Other Exchanges
N/A
Address
Lameuse and Howard Avenues, Biloxi, MS, USA, 39533
Peoples Financial Corp is a bank holding company that provides banking, financial and trust services to individuals, small and commercial businesses operating in Mississippi, Louisiana, and Alabama. The bank's lending services include business, commercial, real estate, construction, personal and installment loans; and deposit services include interest-bearing, non-interest-bearing checking accounts, savings accounts, certificates of deposit, and individual retirement accounts. It also offers safe deposit box rental, collection services, cash management, and internet banking.
Executives
Joseph Stilwell 10 percent owner 111 BROADWAY, 12TH FLOOR, NEW YORK NY 10006
Chevis Swetman director, 10 percent owner, officer: President/CEO P.O. BOX 1416, BILOXI MS 39533-1416
Padrick D Dennis director 12473 PRESERVATION DRIVE, GULFPORT MS 39503-7062
Rodney H Blackwell other: See Explanation of Responses P.O. BOX 18439, HATTIESBURG MS 39404
Stilwell Activist Investments, L.p. 10 percent owner 111 BROADWAY, 12TH FLOOR, NEW YORK NY 10006
Stilwell Value Llc 10 percent owner 111 BROADWAY, 12TH FLOOR, NEW YORK NY 10006
Stilwell Value Partners Vii, L.p. 10 percent owner 111 BROADWAY, 12TH FLOOR, NEW YORK NY 10006
Stilwell Activist Fund, L.p. 10 percent owner 111 BROADWAY, 12TH FLOOR, NEW YORK NY 10006
Katherine Paige Riley director 920 WASHINGTON AVENUE, OCEAN SPRINGS MS 39564
Sliman George J Iii director 723 HOWARD AVENUE, BILOXI MS 39530-4305
Ronald G Barnes director 10600 JORDAN RD, VANCLEAVE MS 39565
Andrew T Swetman 10 percent owner, officer: Senior Vice President 152 LAMEUSE STREET, BILOXI MS 39530
Brian J Kozlowski officer: Senior Vice President 155 LAMEUSE STREET, BILOXI MS 39530
James J Gruich officer: Senior Vice President 7113 WAYNE LANE, BILOXI MS 39532-9361
Lauri A Wood officer: Chief Financial Officer P.O. BOX 1416, BILOXI MS 39533-1416