Peoples FinancialPFBX -3.04%60 FCF Margin % is 14.45% as of Mar. 2026, which is 11% below its 10-year median of 16.29. 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 1,505 Banks companies, Peoples Financial ranks worse than 63.06% on this metric.
The historical rank and industry rank for Peoples Financial's FCF Margin % or its related term are showing as below:
PFBX'
s FCF Margin % Range Over the Past 10 Years
Min: 8.98 Med: 16.29 Max: 22.54
Current: 15.07
During the past 13 years, the highest FCF Margin % of Peoples Financial was 22.54%. The lowest was 8.98%. And the median was 16.29%.
PFBX's FCF Margin % is ranked worse than 63.06% of 1505
companies
in the Banks industry
Industry Median: 26.42
vs PFBX: 15.07
Peoples Financial FCF Margin % Related Terms
Peoples Financial FCF Margin % Historical Data
* Premium members only.
The historical data trend for Peoples Financial's FCF Margin % 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Peoples Financial's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Peoples Financial's FCF Margin % 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 FCF Margin % of 14.45% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Peoples Financial and its competitors. This is 11% below median its historical median of 16.29. Over the past decade, Peoples Financial's FCF Margin % has ranged from 8.98 to 22.54. According to the industry distribution chart, Peoples Financial ranks #949 out of 1505 companies in the Banks industry, placing it in the top 63.1%.
Is Peoples Financial's FCF Margin % too high?
Peoples Financial's current FCF Margin % of 14.45% is 11% below median its 10-year median of 16.29. Over the past 10 years, this metric has ranged from a low of 8.98 to a high of 22.54. The Banks industry median FCF Margin % is 26.42. Peoples Financial's value of 14.45% is 45.3% below this industry median. Based on the distribution chart, Peoples Financial ranks #949 out of 1505 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 FCF Margin % compare to NMBF and BYLB?
According to the Banks industry distribution chart, Peoples Financial ranks #949 out of 1505 companies for FCF Margin %. This places Peoples Financial in the lower half of its industry. The industry median FCF Margin % is 26.42. Peoples Financial's value of 14.45% is 45.3% below this benchmark. Historically, Peoples Financial's own FCF Margin % has ranged from 8.98 to 22.54 over the past decade. While the company's 10-year median is 16.29 vs. the industry median of 26.42, Peoples Financial has consistently been below 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.42, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Peoples Financial's current FCF Margin % of 14.45% is 45.3% below 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Peoples Financial and its competitors. For the Banks industry, the median FCF Margin % is 26.42 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Peoples Financial's current FCF Margin % is 14.45%, which is 11% below median its own 10-year median of 16.29. 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 FCF Margin % is 14.45%, which is 11% below median its 10-year median of 16.29 and 45.3% below the Banks industry median of 26.42. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Peoples Financial (PFBX), the current FCF Margin % is 14.45% 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 $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:
FCF Margin %: 14.45% (11% below median its 10-year median of 16.29)
GF Value™: $16.39 vs. price of $22.25 (35.8% above fair value)
Industry Position: 45.3% below the Banks median (#949 of 1505)
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.
60GF Score
Get the complete analysis for PFBX
FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
PFBX has been successfully added to your 
