PFBX (Peoples Financial) Net Loan: $265.71 Mil (As of Mar. 2026)

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PFBX Peoples Financial Corp PFBX
57 GF Score
Price $22.55
GF Value $16.60
Valuation Significantly Overvalued
! 8 Warning Signs
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What is Peoples Financial Net Loan?

Peoples Financial PFBX +0.22% 57 Net Loan is $265.71 Mil as of Mar. 2026. GuruFocus rates PFBX with a GF Score™ of 57/100 and a GF Value™ of $16.60 (Significantly Overvalued). The stock has 8 warning signs investors should review.

Peoples Financial's quarterly net loan increased from Sep. 2025 ($249.74 Mil) to Dec. 2025 ($260.77 Mil) and increased from Dec. 2025 ($260.77 Mil) to Mar. 2026 ($265.71 Mil).

Peoples Financial's annual net loan declined from Dec. 2023 ($235.12 Mil) to Dec. 2024 ($260.77 Mil) but then increased from Dec. 2024 ($260.77 Mil) to Dec. 2025 ($265.71 Mil).

Peoples Financial Net Loan Historical Data

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The historical data trend for Peoples Financial's Net Loan 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.

Peoples Financial Net Loan Chart

Peoples Financial Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan
Get a 7-Day Free Trial Premium Member Only Premium Member Only 235.85 234.54 235.12 230.59 260.77

Peoples Financial Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Net Loan 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 245.33 249.74 260.77 265.71 0.00
PFBX
57GF Score
Peoples Financial Corp PFBX
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
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Peoples Financial Net Loan Calculation

Total loans on banks' book. These are the fund that banks have lent out. The loans contribute to banks' income. Some borrower of the loans may stop paying their payment. In this case, the loan is called non-performing loans.

Loans can be divided into residential loans, commercial loans or consumer loans. Peter Lynch loved

Frequently Asked Questions Learn more about Net Loan →
What does a Net Loan of $265.71 Mil mean?
Peoples Financial (PFBX) has a Net Loan of $265.71 Mil as of Mar. 2026. The total net loans as recorded on a bank's balance sheet. View historical data on Peoples Financial and its competitors.
Is Peoples Financial's Net Loan too high?
Peoples Financial's current Net Loan is $265.71 Mil. Overall, Peoples Financial has a GF Score™ of 57/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Peoples Financial's Net Loan compare to NWPP and TYBT?
Peoples Financial's Net Loan of $265.71 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Loan for a Banks company?
A good Net Loan depends on the Banks industry context. However, Net Loan should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Loan mean?
A high Net Loan can signal that a stock is expensive relative to its fundamentals. The total net loans as recorded on a bank's balance sheet. View historical data on Peoples Financial and its competitors. Peoples Financial's current Net Loan is $265.71 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Peoples Financial stock overvalued right now?
Based on GuruFocus' analysis, Peoples Financial (PFBX) is currently considered Significantly Overvalued. The stock's GF Value™ is $16.60, compared to a current price of $22.55 — trading 35.8% above its estimated fair value. The current Net Loan is $265.71 Mil. Peoples Financial's overall GF Score™ is 57/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Loan calculated?
Net Loan is calculated from a company's financial statements. For Peoples Financial (PFBX), the current Net Loan is $265.71 Mil as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Peoples Financial (PFBX) Overvalued in 2026?

Based on GuruFocus' analysis, Peoples Financial stock appears to be overvalued. The current stock price of $22.55 is trading 35.8% above its estimated GF Value™ of $16.60. GuruFocus considers Peoples Financial to be Significantly Overvalued.

Key valuation signals for PFBX:

  • Net Loan: $265.71 Mil
  • GF Value™: $16.60 vs. price of $22.55 (35.8% above fair value)
  • GF Score™: 57/100 with 8 warning signs

No single metric tells the full story. See the PFBX stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Peoples Financial Business Description

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 group offers Personal banking, Business Banking, Asset Management, and Trust services. The Bank currently offers a variety of services to individuals and small to middle market businesses within its trade area. The Company's trade area is defined as those portions of Mississippi, Louisiana, and Alabama, including the Bank's three outlying locations. The Bank's primary lending focus is to offer business, commercial, real estate, construction, personal and installment loans, with an emphasis on commercial lending.
57GF Score

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Net Loan is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$22.55
Price
$16.60
GF Value