PFBX (Peoples Financial) Long-Term Debt: $0.00 Mil (As of Mar. 2026)


PFBX Peoples Financial Corp PFBX
60 GF Score
Price $21.32
GF Value $16.38
Valuation Modestly Overvalued
! 6 Warning Signs
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What is Peoples Financial Long-Term Debt?

Peoples Financial PFBX 60 Long-Term Debt is $0.00 Mil as of Mar. 2026. GuruFocus rates PFBX with a GF Score™ of 60/100 and a GF Value™ of $16.38 (Modestly Overvalued). The stock has 6 warning signs investors should review.

Peoples Financial's Long-Term Debt for the quarter that ended in Mar. 2026 was $0.00 Mil.

Peoples Financial's quarterly Long-Term Debt increased from Sep. 2025 ($0.00 Mil) to Dec. 2025 ($0.80 Mil) but then declined from Dec. 2025 ($0.80 Mil) to Mar. 2026 ($0.00 Mil).

Peoples Financial's annual Long-Term Debt declined from Dec. 2023 ($18.50 Mil) to Dec. 2024 ($0.00 Mil) but then increased from Dec. 2024 ($0.00 Mil) to Dec. 2025 ($0.80 Mil).

Peoples Financial  (OTCPK:PFBX) Long-Term Debt Explanation

Long-Term Debt is the sum of the carrying values as of the balance sheet date of all long-term debt, which is debt initially having maturities due after one year or beyond the operating cycle, if longer, but excluding the portions thereof scheduled to be repaid within one year or the normal operating cycle, if longer. Long-Term Debt includes notes payable, bonds payable, mortgage loans, convertible debt, subordinated debt and other types of long term debt.

Peoples Financial Long-Term Debt Related Terms

Peoples Financial Long-Term Debt Historical Data

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The historical data trend for Peoples Financial's Long-Term Debt 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 Long-Term Debt Chart

Peoples Financial Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Long-Term Debt
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.89 0.00 18.50 0.00 0.80

Peoples Financial Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Long-Term Debt 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 0.00 0.00 0.00 0.80 0.00
PFBX
60GF Score
Peoples Financial Corp PFBX
Long-Term Debt is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Long-Term Debt →
What does a Long-Term Debt of $0.00 Mil mean?
Peoples Financial (PFBX) has a Long-Term Debt of $0.00 Mil as of Mar. 2026.
Is Peoples Financial's Long-Term Debt too high?
Peoples Financial's current Long-Term Debt is $0.00 Mil. Overall, Peoples Financial has a GF Score™ of 60/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Peoples Financial's Long-Term Debt compare to FABP and PTBS?
Peoples Financial's Long-Term Debt of $0.00 Mil 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 Long-Term Debt for a Banks company?
A good Long-Term Debt depends on the Banks industry context. However, Long-Term Debt 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 Long-Term Debt mean?
A high Long-Term Debt can signal that a stock is expensive relative to its fundamentals. Peoples Financial's current Long-Term Debt is $0.00 Mil. 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 Modestly Overvalued. The stock's GF Value™ is $16.38, compared to a current price of $21.32 — trading 30.2% above its estimated fair value. The current Long-Term Debt is $0.00 Mil. 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 Long-Term Debt calculated?
Long-Term Debt is calculated from a company's financial statements. For Peoples Financial (PFBX), the current Long-Term Debt is $0.00 Mil 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 $21.32 is trading 30.2% above its estimated GF Value™ of $16.38. GuruFocus considers Peoples Financial to be Modestly Overvalued.

Key valuation signals for PFBX:

  • Long-Term Debt: $0.00 Mil
  • GF Value™: $16.38 vs. price of $21.32 (30.2% 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

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Long-Term Debt is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$21.32
Price
$16.38
GF Value