PFBX (Peoples Financial) Cyclically Adjusted Revenue per Share: $6.45 (As of Mar. 2026)

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PFBX Peoples Financial Corp PFBX
60 GF Score
Price $21.75
GF Value $16.38
Valuation Significantly Overvalued
! 6 Warning Signs
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What is Peoples Financial Cyclically Adjusted Revenue per Share?

Peoples Financial PFBX +1.16% 60 Cyclically Adjusted Revenue per Share is $6.45 as of Mar. 2026. GuruFocus rates PFBX with a GF Score™ of 60/100 and a GF Value™ of $16.38 (Significantly Overvalued). The stock has 6 warning signs investors should review.

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 Revenue per Share and the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years.

Peoples Financial's adjusted revenue per share for the three months ended in Mar. 2026 was $1.554. Add all the adjusted revenue per share for the past 10 years together and divide the count will get our Cyclically Adjusted Revenue per Share, which is $6.45 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Peoples Financial's average Cyclically Adjusted Revenue Growth Rate was 2.10% per year. During the past 3 years, the average Cyclically Adjusted Revenue Growth Rate was 1.20% per year. During the past 5 years, the average Cyclically Adjusted Revenue Growth Rate was 1.90% per year. During the past 10 years, the average Cyclically Adjusted Revenue Growth Rate was -0.70% 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 Revenue Growth Rate using Cyclically Adjusted Revenue per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Revenue Growth Rate of Peoples Financial was 2.90% per year. The lowest was -3.80% per year. And the median was 0.70% per year.

As of today (2026-07-16), Peoples Financial's current stock price is $21.75. Peoples Financial's Cyclically Adjusted Revenue per Share for the quarter that ended in Mar. 2026 was $6.45. Peoples Financial's Cyclically Adjusted PS Ratio of today is 3.37.

During the past 13 years, the highest Cyclically Adjusted PS Ratio of Peoples Financial was 3.56. The lowest was 1.45. And the median was 2.30.


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

If a company grows much fast than inflation, Cyclically Adjusted Revenue per Share may underestimate the company's revenue. Cyclically Adjusted PS Ratio can seem to be too high even the actual PS Ratio is low.

For the Cyclically Adjusted PS Ratio, the revenue per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/S calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PS Ratio is also called CAPS 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 PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted revenue per share of a company over the past 10 years.

Peoples Financial's Cyclically Adjusted PS Ratio of today is calculated as

Cyclically Adjusted PS Ratio=Share Price/Cyclically Adjusted Revenue per Share
=21.75/6.45
=3.37

* 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 PS Ratio of Peoples Financial was 3.56. The lowest was 1.45. And the median was 2.30.


Be Aware

Cyclically Adjusted PS Ratio works better for cyclical companies. It gives you a better idea on the company's real revenue value.


Peoples Financial Cyclically Adjusted Revenue per Share Related Terms


Peoples Financial Cyclically Adjusted Revenue per Share Historical Data

* Premium members only.

The historical data trend for Peoples Financial's Cyclically Adjusted Revenue 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.

Peoples Financial Cyclically Adjusted Revenue per Share Chart

Peoples Financial Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Revenue per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 5.92 6.10 6.18 6.25 6.33

Peoples Financial Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted Revenue 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 6.32 6.37 6.38 6.33 6.45

PFBX vs FABP, PTBS, NMBF: Cyclically Adjusted Revenue per Share Comparison

For the Banks - Regional subindustry, Peoples Financial's Cyclically Adjusted PS Ratio, along with its competitors' market caps and Cyclically Adjusted PS 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 Cyclically Adjusted PS Ratio vs Banks Industry

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

* The bar in red indicates where Peoples Financial's Cyclically Adjusted PS Ratio falls into.


PFBX
60GF Score
Peoples Financial Corp PFBX
Cyclically Adjusted Revenue per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Peoples Financial Cyclically Adjusted Revenue 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 Revenue per Share and the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years.

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

Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue 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 Revenue per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the revenue per share from 2001 through 2010.

We adjusted the 2001 revenue per share data with the total inflation from 2001 through 2010 to the equivalent revenue in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's revenue is $1 a share in 2001, then the 2001's equivalent revenue in 2010 is $1.4 a share. If Wal-Mart's revenue is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 revenue in 2010 is $1.35. So on and so forth, you get the equivalent revenue per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Revenue 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 Revenue per Share data for the three months ended in Mar. 2026 was:

Adj_RevenuePerShare= Revenue per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=1.554/330.2130*330.2130
=1.554

Current CPI (Mar. 2026) = 330.2130.

Peoples Financial Quarterly Data

Revenue per Share CPI Adj_RevenuePerShare
201606 1.102 241.018 1.510
201609 1.160 241.428 1.587
201612 1.168 241.432 1.598
201703 1.121 243.801 1.518
201706 1.228 244.955 1.655
201709 1.113 246.819 1.489
201712 1.171 246.524 1.569
201803 1.113 249.554 1.473
201806 1.120 251.989 1.468
201809 1.123 252.439 1.469
201812 1.249 251.233 1.642
201903 1.185 254.202 1.539
201906 1.158 256.143 1.493
201909 1.187 256.759 1.527
201912 1.295 256.974 1.664
202003 1.307 258.115 1.672
202006 1.224 257.797 1.568
202009 1.172 260.280 1.487
202012 1.268 260.474 1.607
202103 1.168 264.877 1.456
202106 1.249 271.696 1.518
202109 1.308 274.310 1.575
202112 1.564 278.802 1.852
202203 1.297 287.504 1.490
202206 1.379 296.311 1.537
202209 1.540 296.808 1.713
202212 1.757 296.797 1.955
202303 1.820 301.836 1.991
202306 1.934 305.109 2.093
202309 1.674 307.789 1.796
202312 1.576 306.746 1.697
202403 1.746 312.332 1.846
202406 1.613 314.175 1.695
202409 1.450 315.301 1.519
202412 1.594 315.605 1.668
202503 1.533 319.799 1.583
202506 1.522 322.561 1.558
202509 1.330 324.800 1.352
202512 1.450 324.054 1.478
202603 1.554 330.213 1.554

Add all the adjusted revenue per share together and divide 10 will get our Cyclically Adjusted Revenue per Share.

What does a Cyclically Adjusted Revenue per Share of $6.45 mean?
Peoples Financial (PFBX) has a Cyclically Adjusted Revenue per Share of $6.45 as of Mar. 2026. Cyclically adjusted revenue per share represents the company's inflation-adjusted revenue per share over a 10-year period. View historical data on Peoples Financial and its competitors.
Is Peoples Financial's Cyclically Adjusted Revenue per Share too high?
Peoples Financial's current Cyclically Adjusted Revenue per Share is $6.45. Overall, Peoples Financial has a GF Score™ of 60/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Peoples Financial's Cyclically Adjusted Revenue per Share compare to FABP and PTBS?
Peoples Financial's Cyclically Adjusted Revenue per Share of $6.45 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 Cyclically Adjusted Revenue per Share for a Banks company?
A good Cyclically Adjusted Revenue per Share depends on the Banks industry context. However, Cyclically Adjusted Revenue per Share 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 Cyclically Adjusted Revenue per Share mean?
A high Cyclically Adjusted Revenue per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted revenue per share represents the company's inflation-adjusted revenue per share over a 10-year period. View historical data on Peoples Financial and its competitors. Peoples Financial's current Cyclically Adjusted Revenue per Share is $6.45. 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 $16.38, compared to a current price of $21.75 — trading 32.8% above its estimated fair value. The current Cyclically Adjusted Revenue per Share is $6.45. Peoples Financial's overall GF Score™ is 60/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Revenue per Share calculated?
Cyclically Adjusted Revenue per Share is calculated from a company's financial statements. For Peoples Financial (PFBX), the current Cyclically Adjusted Revenue per Share is $6.45 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 $21.75 is trading 32.8% above its estimated GF Value™ of $16.38. GuruFocus considers Peoples Financial to be Significantly Overvalued.

Key valuation signals for PFBX:

  • Cyclically Adjusted Revenue per Share: $6.45
  • GF Value™: $16.38 vs. price of $21.75 (32.8% above fair value)
  • GF Score™: 60/100 with 6 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.
60GF Score

Get the complete analysis for PFBX

Cyclically Adjusted Revenue per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$21.75
Price
$16.38
GF Value