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Peoples Financial (Peoples Financial) E10 : $0.33 (As of Mar. 2024)


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What is Peoples Financial E10?

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Peoples Financial's adjusted earnings per share data for the three months ended in Mar. 2024 was $0.520. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is $0.33 for the trailing ten years ended in Mar. 2024.

During the past 12 months, Peoples Financial's average E10 Growth Rate was 175.00% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of Peoples Financial was -2.50% per year. The lowest was -61.50% per year. And the median was -14.50% per year.

As of today (2024-05-23), Peoples Financial's current stock price is $15.3001. Peoples Financial's E10 for the quarter that ended in Mar. 2024 was $0.33. Peoples Financial's Shiller PE Ratio of today is 46.36.

During the past 13 years, the highest Shiller PE Ratio of Peoples Financial was 356.25. The lowest was 10.61. And the median was 26.45.


Peoples Financial E10 Historical Data

The historical data trend for Peoples Financial's E10 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 E10 Chart

Peoples Financial Annual Data
Trend Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only -0.10 -0.19 -0.05 0.08 0.29

Peoples Financial Quarterly Data
Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24
E10 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 0.12 0.21 0.23 0.29 0.33

Competitive Comparison of Peoples Financial's E10

For the Banks - Regional subindustry, Peoples Financial's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio 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 Shiller PE Ratio Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Peoples Financial's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where Peoples Financial's Shiller PE Ratio falls into.



Peoples Financial E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

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.

For example, Peoples Financial's adjusted earnings per share data for the three months ended in Mar. 2024 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2024 (Change)*Current CPI (Mar. 2024)
=0.52/131.7762*131.7762
=0.520

Current CPI (Mar. 2024) = 131.7762.

Peoples Financial Quarterly Data

per share eps CPI Adj_EPS
201406 0.070 100.560 0.092
201409 -0.350 100.428 -0.459
201412 -1.780 99.070 -2.368
201503 -0.220 99.621 -0.291
201506 -0.320 100.684 -0.419
201509 -0.500 100.392 -0.656
201512 0.140 99.792 0.185
201603 0.010 100.470 0.013
201606 0.010 101.688 0.013
201609 0.080 101.861 0.103
201612 -0.070 101.863 -0.091
201703 0.010 102.862 0.013
201706 0.230 103.349 0.293
201709 0.050 104.136 0.063
201712 0.250 104.011 0.317
201803 0.060 105.290 0.075
201806 0.010 106.317 0.012
201809 0.030 106.507 0.037
201812 0.030 105.998 0.037
201903 0.080 107.251 0.098
201906 -0.060 108.070 -0.073
201909 0.090 108.329 0.109
201912 0.230 108.420 0.280
202003 0.230 108.902 0.278
202006 -0.060 108.767 -0.073
202009 -0.870 109.815 -1.044
202012 0.140 109.897 0.168
202103 0.890 111.754 1.049
202106 0.160 114.631 0.184
202109 0.230 115.734 0.262
202112 0.490 117.630 0.549
202203 0.200 121.301 0.217
202206 0.230 125.017 0.242
202209 0.380 125.227 0.400
202212 1.120 125.222 1.179
202303 0.560 127.348 0.579
202306 0.620 128.729 0.635
202309 0.410 129.860 0.416
202312 0.370 129.419 0.377
202403 0.520 131.776 0.520

Add all the adjusted EPS together and divide 10 will get our e10.


Peoples Financial  (OTCPK:PFBX) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Peoples Financial's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=15.3001/0.33
=46.36

* 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.

During the past 13 years, the highest Shiller P/E Ratio of Peoples Financial was 356.25. The lowest was 10.61. And the median was 26.45.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Peoples Financial E10 Related Terms

Thank you for viewing the detailed overview of Peoples Financial's E10 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