PFBX (Peoples Financial) LT-Debt-to-Total-Asset: 0.00 (As of Mar. 2026)

What is Peoples Financial LT-Debt-to-Total-Asset?

Peoples Financial PFBX 60 LT-Debt-to-Total-Asset is 0.00 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.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Peoples Financial's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.00.

Peoples Financial's long-term debt to total assets ratio stayed the same from Mar. 2025 (0.00) to Mar. 2026 (0.00).

Peoples Financial (OTCPK:PFBX) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Peoples Financial LT-Debt-to-Total-Asset Related Terms

Peoples Financial LT-Debt-to-Total-Asset Historical Data

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The historical data trend for Peoples Financial's LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset Chart

Peoples Financial Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

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Dec25

LT-Debt-to-Total-Asset

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0.00

0.02

0.00

Peoples Financial Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.00	0.00	0.00	0.00	0.00

60GF Score

Peoples Financial Corp PFBX

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Peoples Financial LT-Debt-to-Total-Asset Calculation

Peoples Financial's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )	/	Total Assets (A: Dec. 2025 )
	=	0.8	/	727.121
	=	0.00

Peoples Financial's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )	/	Total Assets (Q: Mar. 2026 )
	=	0	/	788.26
	=	0.00

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.00 mean?

Peoples Financial (PFBX) has a LT-Debt-to-Total-Asset of 0.00 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Peoples Financial and its competitors.

Is Peoples Financial's LT-Debt-to-Total-Asset too high?

Peoples Financial's current LT-Debt-to-Total-Asset is 0.00. 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 LT-Debt-to-Total-Asset compare to FABP and PTBS?

Peoples Financial's LT-Debt-to-Total-Asset of 0.00 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 LT-Debt-to-Total-Asset for a Banks company?

A good LT-Debt-to-Total-Asset depends on the Banks industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Peoples Financial and its competitors. Peoples Financial's current LT-Debt-to-Total-Asset 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 Modestly Overvalued. The stock's GF Value™ is $16.38, compared to a current price of $21.25 — trading 29.7% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.00. 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 LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Peoples Financial (PFBX), the current LT-Debt-to-Total-Asset 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 $21.25 is trading 29.7% above its estimated GF Value™ of $16.38. GuruFocus considers Peoples Financial to be Modestly Overvalued.

Key valuation signals for PFBX:

LT-Debt-to-Total-Asset: 0.00
GF Value™: $16.38 vs. price of $21.25 (29.7% 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

Industry Financial Services Banks

Comparable Companies FABP PTBS NMBF CYVF BYFC FTFI NWPP USMT AUBN CNBB SGX:D05 SHSE:600036 MIL:UCG XPAR:BNP NSE:HDFCBANK MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK NSE:SBIN

Address Lameuse and Howard Avenues, Biloxi, MS, USA, 39533

Website https://www.thepeoples.com

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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LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$21.25

Price

$16.38

GF Value

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