Peoples FinancialPFBX -3.04%60 EV-to-FCF is 11.35 as of Jun. 24, 2026, which is 63% above its 10-year median of 6.96. GuruFocus rates PFBX with a GF Score™ of 60/100 and a GF Value™ of $16.39 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,191 Banks companies, Peoples Financial ranks worse than 69.69% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Peoples Financial's Enterprise Value is $46.16 Mil.
Peoples Financial's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $4.07 Mil. Therefore, Peoples Financial's EV-to-FCF for today is 11.35.
The historical rank and industry rank for Peoples Financial's EV-to-FCF or its related term are showing as below:
PFBX'
s EV-to-FCF Range Over the Past 10 Years
Min: -36.25 Med: 6.96 Max: 23.77
Current: 11.35
During the past 13 years, the highest EV-to-FCF of Peoples Financial was 23.77. The lowest was -36.25. And the median was 6.96.
PFBX's EV-to-FCF is ranked worse than 69.69% of 1191
companies
in the Banks industry
Industry Median: 6.56
vs PFBX: 11.35
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Peoples Financial's PE Ratio (TTM) for today is calculated as:
Peoples Financial's share price for today is $22.2525.
Peoples Financial's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $0.880.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Peoples Financial EV-to-FCF Related Terms
Peoples Financial EV-to-FCF Historical Data
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The historical data trend for Peoples Financial's EV-to-FCF 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.
For the Banks - Regional subindustry, Peoples Financial's EV-to-FCF, along with its competitors' market caps and EV-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 EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Peoples Financial's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Peoples Financial's EV-to-FCF falls into.
Peoples Financial's current Enterprise Value is $46.16 Mil.
Peoples Financial's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $4.07 Mil.
* 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 EV-to-FCF of 11.35 as of Jun. 24, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Peoples Financial and its competitors. This is 63% above median its historical median of 6.96. According to the industry distribution chart, Peoples Financial ranks #830 out of 1191 companies in the Banks industry, placing it in the top 69.7%.
Is Peoples Financial's EV-to-FCF too high?
Peoples Financial's current EV-to-FCF of 11.35 is 63% above median its 10-year median of 6.96. The Banks industry median EV-to-FCF is 6.56. Peoples Financial's value of 11.35 is 73% above this industry median. Based on the distribution chart, Peoples Financial ranks #830 out of 1191 companies in the Banks industry, which is below the industry midpoint. 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 EV-to-FCF compare to NMBF and BYLB?
According to the Banks industry distribution chart, Peoples Financial ranks #830 out of 1191 companies for EV-to-FCF. This places Peoples Financial in the lower half of its industry. The industry median EV-to-FCF is 6.56. Peoples Financial's value of 11.35 is 73% above this benchmark. While the company's 10-year median is 6.96 vs. the industry median of 6.56, Peoples Financial has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.56, based on 1,191 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Peoples Financial's current EV-to-FCF of 11.35 is 73% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Peoples Financial and its competitors. For the Banks industry, the median EV-to-FCF is 6.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Peoples Financial's current EV-to-FCF is 11.35, which is 63% above median its own 10-year median of 6.96. 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 $16.39, compared to a current price of $22.25 — trading 35.8% above its estimated fair value. The current EV-to-FCF is 11.35, which is 63% above median its 10-year median of 6.96 and 73% above the Banks industry median of 6.56. Peoples Financial's overall GF Score™ is 60/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Peoples Financial (PFBX), the current EV-to-FCF is 11.35 as of Jun. 24, 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 $22.25 is trading 35.8% above its estimated GF Value™ of $16.39.
GuruFocus considers Peoples Financial to be Significantly Overvalued.
Key valuation signals for PFBX:
EV-to-FCF: 11.35 (63% above median its 10-year median of 6.96)
GF Value™: $16.39 vs. price of $22.25 (35.8% above fair value)
Industry Position: 73% above the Banks median (#830 of 1191)
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.
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