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Peoples FinancialPFBX 57 Debt-to-Equity is 0.00 as of Mar. 2026. GuruFocus rates PFBX with a GF Score™ of 57/100 and a GF Value™ of $16.37 (Significantly Overvalued). The stock has 8 warning signs investors should review. Among 1,419 Banks companies, Peoples Financial ranks better than 99.93% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Peoples Financial's Debt-to-Equity or its related term are showing as below:
PFBX'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.01 Med: 0.01 Max: 0.43
Current: 0.01
During the past 13 years, the highest Debt-to-Equity Ratio of Peoples Financial was 0.43. The lowest was 0.01. And the median was 0.01.
PFBX's Debt-to-Equity is ranked better than 99.93% of 1419
companies
in the Banks industry
Industry Median: 0.59
vs PFBX: 0.01
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Peoples Financial Debt-to-Equity Related Terms
Peoples Financial Debt-to-Equity Historical Data
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The historical data trend for Peoples Financial's Debt-to-Equity 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.
PFBX vs NWPP, TYBT, SFBC: Debt-to-Equity Comparison
For the Banks - Regional subindustry, Peoples Financial's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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 Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Peoples Financial's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Peoples Financial's Debt-to-Equity falls into.
* 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 (PFBX) has a Debt-to-Equity of 0.00 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Peoples Financial and its competitors. Over the past decade, Peoples Financial's Debt-to-Equity has ranged from 0.01 to 0.43. According to the industry distribution chart, Peoples Financial ranks #1 out of 1419 companies in the Banks industry, placing it in the top 0.099999999999994%.
Is Peoples Financial's Debt-to-Equity too high?
Peoples Financial's current Debt-to-Equity is 0.00. Over the past 10 years, this metric has ranged from a low of 0.01 to a high of 0.43. Based on the distribution chart, Peoples Financial ranks #1 out of 1419 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 Debt-to-Equity compare to NWPP and TYBT?
According to the Banks industry distribution chart, Peoples Financial ranks #1 out of 1419 companies for Debt-to-Equity. This places Peoples Financial in the top 0% of its industry — outperforming the majority of peers. The industry median Debt-to-Equity is 0.59. Historically, Peoples Financial's own Debt-to-Equity has ranged from 0.01 to 0.43 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.59, based on 1,419 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity 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 Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Peoples Financial and its competitors. For the Banks industry, the median Debt-to-Equity is 0.59 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Peoples Financial's current Debt-to-Equity is 0.00. 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 $16.37, compared to a current price of $22.75 — trading 39% above its estimated fair value. The current Debt-to-Equity is 0.00. 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 Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Peoples Financial (PFBX), the current Debt-to-Equity is 0.00 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 $22.75 is trading 39% above its estimated GF Value™ of $16.37.
GuruFocus considers Peoples Financial to be Significantly Overvalued.
Key valuation signals for PFBX:
Debt-to-Equity: 0.00
GF Value™: $16.37 vs. price of $22.75 (39% above fair value)
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 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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