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PFBX (Peoples Financial) Cyclically Adjusted FCF per Share : $1.04 (As of Dec. 2024)


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What is Peoples Financial Cyclically Adjusted FCF per Share?

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and 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 for the three months ended in Dec. 2024 was $0.411. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is $1.04 for the trailing ten years ended in Dec. 2024.

During the past 12 months, Peoples Financial's average Cyclically Adjusted FCF Growth Rate was -1.90% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was -2.40% per year. During the past 5 years, the average Cyclically Adjusted FCF Growth Rate was -4.10% per year. During the past 10 years, the average Cyclically Adjusted FCF Growth Rate was -4.30% 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 Cyclically Adjusted FCF Growth Rate using Cyclically Adjusted FCF per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted FCF Growth Rate of Peoples Financial was 3.10% per year. The lowest was -8.70% per year. And the median was -1.40% per year.

As of today (2025-04-13), Peoples Financial's current stock price is $19.20. Peoples Financial's Cyclically Adjusted FCF per Share for the quarter that ended in Dec. 2024 was $1.04. Peoples Financial's Cyclically Adjusted Price-to-FCF of today is 18.46.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Peoples Financial was 19.22. The lowest was 5.60. And the median was 10.59.


Peoples Financial Cyclically Adjusted FCF per Share Historical Data

The historical data trend for Peoples Financial's Cyclically Adjusted FCF per Share 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 FCF per Share Chart

Peoples Financial Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.21 1.12 1.12 1.06 1.04

Peoples Financial Quarterly Data
Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24
Cyclically Adjusted FCF per Share 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 1.06 1.07 1.03 1.04 1.04

Competitive Comparison of Peoples Financial's Cyclically Adjusted FCF per Share

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.


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Peoples Financial Cyclically Adjusted FCF per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and 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.

What is Cyclically Adjusted FCF per Share? How do we calculate Cyclically Adjusted FCF per Share?

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. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

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

For example, Peoples Financial's adjusted Free Cash Flow per Share data for the three months ended in Dec. 2024 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Dec. 2024 (Change)*Current CPI (Dec. 2024)
=0.411/133.1571*133.1571
=0.411

Current CPI (Dec. 2024) = 133.1571.

Peoples Financial Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201503 0.134 99.621 0.179
201506 0.235 100.684 0.311
201509 0.158 100.392 0.210
201512 0.298 99.792 0.398
201603 -0.092 100.470 -0.122
201606 0.162 101.688 0.212
201609 0.217 101.861 0.284
201612 0.127 101.863 0.166
201703 0.084 102.862 0.109
201706 0.165 103.349 0.213
201709 0.329 104.136 0.421
201712 0.308 104.011 0.394
201803 -0.011 105.290 -0.014
201806 0.220 106.317 0.276
201809 0.160 106.507 0.200
201812 0.346 105.998 0.435
201903 0.022 107.251 0.027
201906 0.105 108.070 0.129
201909 0.236 108.329 0.290
201912 0.384 108.420 0.472
202003 0.120 108.902 0.147
202006 0.249 108.767 0.305
202009 0.414 109.815 0.502
202012 0.338 109.897 0.410
202103 0.081 111.754 0.097
202106 -0.006 114.631 -0.007
202109 0.240 115.734 0.276
202112 0.232 117.630 0.263
202203 0.095 121.301 0.104
202206 0.068 125.017 0.072
202209 0.173 125.227 0.184
202212 0.890 125.222 0.946
202303 0.041 127.348 0.043
202306 0.419 128.729 0.433
202309 0.440 129.860 0.451
202312 0.494 129.419 0.508
202403 0.125 131.776 0.126
202406 0.103 132.554 0.103
202409 0.448 133.029 0.448
202412 0.411 133.157 0.411

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


Peoples Financial  (OTCPK:PFBX) Cyclically Adjusted FCF per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF Ratio.

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 Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=19.20/1.04
=18.46

* 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 Cyclically Adjusted Price-to-FCF of Peoples Financial was 19.22. The lowest was 5.60. And the median was 10.59.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


Peoples Financial Cyclically Adjusted FCF per Share Related Terms

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


Peoples Financial Business Description

Industry
Traded in Other Exchanges
N/A
Address
152 Lameuse Street, Biloxi, MS, USA, 39530
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
Padrick D Dennis director 12473 PRESERVATION DRIVE, GULFPORT MS 39503-7062
Chevis Swetman director, 10 percent owner, officer: President/CEO P.O. BOX 1416, BILOXI MS 39533-1416
Ronald G Barnes director 10600 JORDAN RD, VANCLEAVE MS 39565
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
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