Peoples FinancialPFBX -3.04%60 Net Margin % is 20.15% as of Mar. 2026, which is 54% above its 10-year median of 13.09. 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 1,527 Banks companies, Peoples Financial ranks worse than 81.14% on this metric.
The historical rank and industry rank for Peoples Financial's Net Margin % or its related term are showing as below:
PFBX'
s Net Margin % Range Over the Past 10 Years
Min: -10.52 Med: 13.09 Max: 72.8
Current: 15
PFBX's Net Margin % is ranked worse than 81.14% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs PFBX: 15.00
Peoples Financial (OTCPK:PFBX) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Peoples Financial Net Margin % Related Terms
Peoples Financial Net Margin % Historical Data
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The historical data trend for Peoples Financial's Net 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 Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Peoples Financial's Net Margin % distribution charts can be found below:
* The bar in red indicates where Peoples Financial's Net 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 Net Margin % of 20.15% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Peoples Financial and its competitors. This is 54% above median its historical median of 13.09. According to the industry distribution chart, Peoples Financial ranks #1239 out of 1527 companies in the Banks industry, placing it in the top 81.1%.
Is Peoples Financial's Net Margin % too high?
Peoples Financial's current Net Margin % of 20.15% is 54% above median its 10-year median of 13.09. The Banks industry median Net Margin % is 26.95. Peoples Financial's value of 20.15% is 25.2% below this industry median. Based on the distribution chart, Peoples Financial ranks #1239 out of 1527 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 Net Margin % compare to NMBF and BYLB?
According to the Banks industry distribution chart, Peoples Financial ranks #1239 out of 1527 companies for Net Margin %. This places Peoples Financial in the lower half of its industry. The industry median Net Margin % is 26.95. Peoples Financial's value of 20.15% is 25.2% below this benchmark. While the company's 10-year median is 13.09 vs. the industry median of 26.95, 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.95, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Peoples Financial's current Net Margin % of 20.15% is 25.2% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Peoples Financial and its competitors. For the Banks industry, the median Net Margin % is 26.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Peoples Financial's current Net Margin % is 20.15%, which is 54% above median its own 10-year median of 13.09. 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 Net Margin % is 20.15%, which is 54% above median its 10-year median of 13.09 and 25.2% below the Banks industry median of 26.95. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Peoples Financial (PFBX), the current Net Margin % is 20.15% 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:
Net Margin %: 20.15% (54% above median its 10-year median of 13.09)
GF Value™: $16.39 vs. price of $22.25 (35.8% above fair value)
Industry Position: 25.2% below the Banks median (#1239 of 1527)
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
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