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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 : 6/10

vs
industry
vs
history
Cash-to-Debt 82.01
PFBX's Cash-to-Debt is ranked higher than
73% of the 1613 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.09 vs. PFBX: 82.01 )
Ranked among companies with meaningful Cash-to-Debt only.
PFBX' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.28  Med: 5.36 Max: N/A
Current: 82.01
Equity-to-Asset 0.12
PFBX's Equity-to-Asset is ranked higher than
68% of the 1580 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. PFBX: 0.12 )
Ranked among companies with meaningful Equity-to-Asset only.
PFBX' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.1  Med: 0.13 Max: 0.15
Current: 0.12
0.1
0.15
Interest Coverage 0.23
PFBX's Interest Coverage is ranked lower than
92% of the 1539 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.74 vs. PFBX: 0.23 )
Ranked among companies with meaningful Interest Coverage only.
PFBX' s Interest Coverage Range Over the Past 10 Years
Min: 0.17  Med: 0.52 Max: 1.23
Current: 0.23
0.17
1.23
Beneish M-Score: -2.23
WACC vs ROIC
3.43%
0.57%
WACC
ROIC
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 : 2/10

vs
industry
vs
history
Operating Margin % 1.03
PFBX's Operating Margin % is ranked lower than
93% of the 1618 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.66 vs. PFBX: 1.03 )
Ranked among companies with meaningful Operating Margin % only.
PFBX' s Operating Margin % Range Over the Past 10 Years
Min: -21.13  Med: 2.17 Max: 37.92
Current: 1.03
-21.13
37.92
Net Margin % 0.70
PFBX's Net Margin % is ranked lower than
93% of the 1619 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.82 vs. PFBX: 0.70 )
Ranked among companies with meaningful Net Margin % only.
PFBX' s Net Margin % Range Over the Past 10 Years
Min: -34.1  Med: 4.01 Max: 26.02
Current: 0.7
-34.1
26.02
ROE % 0.18
PFBX's ROE % is ranked lower than
92% of the 1619 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.56 vs. PFBX: 0.18 )
Ranked among companies with meaningful ROE % only.
PFBX' s ROE % Range Over the Past 10 Years
Min: -10.31  Med: 1.3 Max: 10.77
Current: 0.18
-10.31
10.77
ROA % 0.02
PFBX's ROA % is ranked lower than
92% of the 1624 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.91 vs. PFBX: 0.02 )
Ranked among companies with meaningful ROA % only.
PFBX' s ROA % Range Over the Past 10 Years
Min: -1.4  Med: 0.17 Max: 1.17
Current: 0.02
-1.4
1.17
3-Year Revenue Growth Rate -9.60
PFBX's 3-Year Revenue Growth Rate is ranked lower than
89% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.20 vs. PFBX: -9.60 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
PFBX' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -9.6  Med: 0.65 Max: 678.8
Current: -9.6
-9.6
678.8
GuruFocus has detected 1 Warning Sign with Peoples Financial Corp $PFBX.
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» PFBX's 30-Y Financials

Financials (Next Earnings Date: 2017-10-21 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q2 2016

PFBX Guru Trades in Q2 2016

Jim Simons 24,900 sh (+6.41%)
» More
Q3 2016

PFBX Guru Trades in Q3 2016

Jim Simons 26,500 sh (+6.43%)
» More
Q4 2016

PFBX Guru Trades in Q4 2016

Jim Simons 27,500 sh (+3.77%)
» More
Q1 2017

PFBX Guru Trades in Q1 2017

Jim Simons 28,800 sh (+4.73%)
» 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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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
Compare:NAS:EBMT, OTCPK:MNSB, NAS:FUSB, NAS:WEBK, OTCPK:FXNC, NAS:UBOH, OTCBB:FETM, NAS:BOTJ, NAS:ASRV, NAS:FBSS, NAS:CZWI, OTCPK:CBCO, OTCPK:AFCB, NAS:UBCP, NAS:PBIB, NAS:SFBC, OTCPK:JFBC, NAS:PNBK, NAS:EMCF, OTCPK:NWYF » details
Headquarter Location:USA
Peoples Financial Corp is a bank holding company. The Company through its wholly-owned subsidiary provides banking, financial and trust services to state, county and local government entities and individuals and small and commercial businesses.

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.

Ratios

vs
industry
vs
history
PE Ratio 445.00
PFBX's PE Ratio is ranked lower than
99% of the 1505 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.59 vs. PFBX: 445.00 )
Ranked among companies with meaningful PE Ratio only.
PFBX' s PE Ratio Range Over the Past 10 Years
Min: 8.35  Med: 30.34 Max: 541.67
Current: 445
8.35
541.67
PE Ratio without NRI 445.00
PFBX's PE Ratio without NRI is ranked lower than
99% of the 1504 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.62 vs. PFBX: 445.00 )
Ranked among companies with meaningful PE Ratio without NRI only.
PFBX' s PE Ratio without NRI Range Over the Past 10 Years
Min: 8.35  Med: 30.34 Max: 541.67
Current: 445
8.35
541.67
Price-to-Owner-Earnings 27.02
PFBX's Price-to-Owner-Earnings is ranked lower than
87% of the 881 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.23 vs. PFBX: 27.02 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
PFBX' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 2.68  Med: 18.72 Max: 1550
Current: 27.02
2.68
1550
PB Ratio 0.76
PFBX's PB Ratio is ranked higher than
74% of the 1581 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. PFBX: 0.76 )
Ranked among companies with meaningful PB Ratio only.
PFBX' s PB Ratio Range Over the Past 10 Years
Min: 0.38  Med: 0.67 Max: 1.58
Current: 0.76
0.38
1.58
PS Ratio 2.89
PFBX's PS Ratio is ranked higher than
58% of the 1567 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.43 vs. PFBX: 2.89 )
Ranked among companies with meaningful PS Ratio only.
PFBX' s PS Ratio Range Over the Past 10 Years
Min: 1.35  Med: 2.15 Max: 8.05
Current: 2.89
1.35
8.05
Price-to-Free-Cash-Flow 22.63
PFBX's Price-to-Free-Cash-Flow is ranked lower than
85% of the 856 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.60 vs. PFBX: 22.63 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
PFBX' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 2  Med: 8.9 Max: 39.25
Current: 22.63
2
39.25
Price-to-Operating-Cash-Flow 19.26
PFBX's Price-to-Operating-Cash-Flow is ranked lower than
85% of the 931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.46 vs. PFBX: 19.26 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
PFBX' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 1.99  Med: 8.2 Max: 26.47
Current: 19.26
1.99
26.47
EV-to-EBIT -132.91
PFBX's EV-to-EBIT is ranked lower than
99.99% of the 1241 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.20 vs. PFBX: -132.91 )
Ranked among companies with meaningful EV-to-EBIT only.
PFBX' s EV-to-EBIT Range Over the Past 10 Years
Min: -99999999.99  Med: 6.7 Max: 25258.4
Current: -132.91
-99999999.99
25258.4
EV-to-EBITDA -15.44
PFBX's EV-to-EBITDA is ranked lower than
99.99% of the 1244 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.98 vs. PFBX: -15.44 )
Ranked among companies with meaningful EV-to-EBITDA only.
PFBX' s EV-to-EBITDA Range Over the Past 10 Years
Min: -113.1  Med: 8.1 Max: 116.5
Current: -15.44
-113.1
116.5
Shiller PE Ratio 79.43
PFBX's Shiller PE Ratio is ranked lower than
95% of the 501 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.54 vs. PFBX: 79.43 )
Ranked among companies with meaningful Shiller PE Ratio only.
PFBX' s Shiller PE Ratio Range Over the Past 10 Years
Min: 7.34  Med: 13.11 Max: 93.53
Current: 79.43
7.34
93.53

Buy Back

vs
industry
vs
history
5-Year Yield-on-Cost % 1.10
PFBX's 5-Year Yield-on-Cost % is ranked lower than
87% of the 2778 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.98 vs. PFBX: 1.10 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
PFBX' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.63  Med: 1.88 Max: 3.68
Current: 1.1
0.63
3.68

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 0.76
PFBX's Price-to-Tangible-Book is ranked higher than
76% of the 1573 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.29 vs. PFBX: 0.76 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
PFBX' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.38  Med: 0.94 Max: 2.06
Current: 0.76
0.38
2.06
Price-to-Intrinsic-Value-Projected-FCF 0.53
PFBX's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
72% of the 896 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.79 vs. PFBX: 0.53 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
PFBX' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.26  Med: 0.51 Max: 1.04
Current: 0.53
0.26
1.04
Price-to-Median-PS-Value 1.34
PFBX's Price-to-Median-PS-Value is ranked lower than
72% of the 1527 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. PFBX: 1.34 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
PFBX' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.63  Med: 1.29 Max: 10.07
Current: 1.34
0.63
10.07
Price-to-Graham-Number 3.88
PFBX's Price-to-Graham-Number is ranked lower than
98% of the 1414 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.95 vs. PFBX: 3.88 )
Ranked among companies with meaningful Price-to-Graham-Number only.
PFBX' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.59  Med: 0.96 Max: 4.72
Current: 3.88
0.59
4.72
Earnings Yield (Greenblatt) % -0.75
PFBX's Earnings Yield (Greenblatt) % is ranked lower than
77% of the 1625 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.91 vs. PFBX: -0.75 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
PFBX' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -2092.8  Med: 2.1 Max: 2040
Current: -0.75
-2092.8
2040
Forward Rate of Return (Yacktman) % -13.20
PFBX's Forward Rate of Return (Yacktman) % is ranked lower than
91% of the 934 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.21 vs. PFBX: -13.20 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
PFBX' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: -27.1  Med: 8 Max: 21.5
Current: -13.2
-27.1
21.5

More Statistics

Revenue (TTM) (Mil) $23.70
EPS (TTM) $ 0.03
Beta0.11
Short Percentage of Float0.03%
52-Week Range $10.23 - 16.40
Shares Outstanding (Mil)5.12
» More Articles for PFBX

Headlines

Articles On GuruFocus.com
Peoples Financial Corporation Reports Results For First Quarter Of 2017 Apr 26 2017 
6 Stocks With A Vision Of Higher Dividends Jan 02 2012 
Peoples Financial Corp. Reports Operating Results (10-Q) Nov 08 2010 
Peoples Financial Corp. Reports Operating Results (10-Q) Aug 09 2010 
Guru Stocks Raising Dividends: Duke Energy Corp., PETsMART Inc., Darden Restaurants Inc., Peoples Fi Jul 03 2010 
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 

More From Other Websites
Peoples Financial Corp. (Mississippi) :PFBX-US: Earnings Analysis: Q1, 2017 By the Numbers : June 1,... Jun 01 2017
Peoples Financial Corporation Reports Results For First Quarter Of 2017 Apr 26 2017
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The Peoples Bank Board Elects Vice Chairman Feb 13 2017
Peoples Financial Corp. (Mississippi) :PFBX-US: Earnings Analysis: 2016 By the Numbers : January 27,... Jan 27 2017
Peoples Financial Corporation Reports Fourth Quarter And Year-End Results Jan 25 2017
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Peoples Financial Corp. (Mississippi): Strong price momentum but may lack support from fundamentals? Nov 23 2016
Director Of The Peoples Bank Retires Oct 28 2016
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Peoples Financial Corporation Reports Results For Third Quarter Of 2016 Oct 26 2016
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Peoples Financial Corporation Reports Results For Second Quarter Of 2016 Jul 27 2016
Peoples Financial Services CEO Buys 1,773 Shares Sep 21 2015
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