Peoples FinancialPFBX 60 OCF Yield % is 4.67 as of Jul. 02, 2026, which is 34% below its 10-year median of 7.10. 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. Among 1,502 Banks companies, Peoples Financial ranks worse than 66.98% on this metric.
OCF Yield % is calculated as Cash Flow from Operations divided by Market Capitalization. It is a financial solvency ratio that compares the operating cash flow a company is expected to earn against its market value.
Similar to Earnings Yield %, OCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high operating cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
Peoples Financial OCF Yield % Related Terms
Peoples Financial OCF Yield % Historical Data
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The historical data trend for Peoples Financial's OCF Yield % 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 OCF Yield %, along with its competitors' market caps and OCF Yield % 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 OCF Yield % vs Banks Industry
For the Banks industry and Financial Services sector, Peoples Financial's OCF Yield % distribution charts can be found below:
* The bar in red indicates where Peoples Financial's OCF Yield % 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 OCF Yield % of 4.67 as of Jul. 02, 2026. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on Peoples Financial and its competitors. This is 34% below median its historical median of 7.10. Over the past decade, Peoples Financial's OCF Yield % has ranged from 3.86 to 18.44. According to the industry distribution chart, Peoples Financial ranks #1006 out of 1502 companies in the Banks industry, placing it in the top 67%.
Is Peoples Financial's OCF Yield % too high?
Peoples Financial's current OCF Yield % of 4.67 is 34% below median its 10-year median of 7.10. Over the past 10 years, this metric has ranged from a low of 3.86 to a high of 18.44. The Banks industry median OCF Yield % is 9.32. Peoples Financial's value of 4.67 is 49.9% below this industry median. Based on the distribution chart, Peoples Financial ranks #1006 out of 1502 companies in the Banks industry, which is below the industry midpoint. 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 OCF Yield % compare to FABP and PTBS?
According to the Banks industry distribution chart, Peoples Financial ranks #1006 out of 1502 companies for OCF Yield %. This places Peoples Financial in the lower half of its industry. The industry median OCF Yield % is 9.32. Peoples Financial's value of 4.67 is 49.9% below this benchmark. Historically, Peoples Financial's own OCF Yield % has ranged from 3.86 to 18.44 over the past decade. While the company's 10-year median is 7.10 vs. the industry median of 9.32, 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 OCF Yield % for a Banks company?
The median OCF Yield % among Banks companies is 9.32, based on 1,502 companies in the industry. Companies in the top quartile (top 25%) have a OCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, OCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Peoples Financial's current OCF Yield % of 4.67 is 49.9% 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 OCF Yield % mean?
A high OCF Yield % can signal that a stock is expensive relative to its fundamentals. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on Peoples Financial and its competitors. For the Banks industry, the median OCF Yield % is 9.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Peoples Financial's current OCF Yield % is 4.67, which is 34% below median its own 10-year median of 7.10. 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 OCF Yield % is 4.67, which is 34% below median its 10-year median of 7.10 and 49.9% below the Banks industry median of 9.32. 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 OCF Yield % calculated?
OCF Yield % is calculated from a company's financial statements. For Peoples Financial (PFBX), the current OCF Yield % is 4.67 as of Jul. 02, 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:
OCF Yield %: 4.67 (34% below median its 10-year median of 7.10)
GF Value™: $16.38 vs. price of $21.25 (29.7% above fair value)
Industry Position: 49.9% below the Banks median (#1006 of 1502)
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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