Peoples FinancialPFBX 60 Dividend Payout Ratio 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. Among 1,169 Banks companies, Peoples Financial ranks worse than 64.59% on this metric.
The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period. Peoples Financial's Dividend Payout Ratio for the
months ended in Mar. 2026 was 0.00.
The historical rank and industry rank for Peoples Financial's Dividend Payout Ratio or its related term are showing as below:
PFBX'
s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.02 Med: 0.09 Max: 0.42
Current: 0.41
During the past 13 years, the highest Dividend Payout Ratio of Peoples Financial was 0.42. The lowest was 0.02. And the median was 0.09.
PFBX's Dividend Payout Ratio is ranked worse than 64.59% of 1169
companies
in the Banks industry
Industry Median: 0.32
vs PFBX: 0.41
During the past 3 years, the average Dividends Per Share Growth Rate was 23.70% per year.
During the past 5 years, the average Dividends Per Share Growth Rate was 69.50% per year.
During the past 13 years, the highest 3-Year average Dividends Per Share Growth Rate of Peoples Financial was 146.60% per year. The lowest was -53.60% per year. And the median was 13.80% per year.
The growth rate is calculated with least square regression.
For more information regarding to dividend, please check our Dividend Page.
* Please note that "special dividend" is not included in the calculation of dividend per share and related fields.
Peoples Financial (OTCPK:PFBX) Dividend Payout Ratio Explanation
In dividends investing, Dividend Payout Ratio and Dividend Growth Rate are the two most important variables for consideration. A lower payout ratio may indicate that the company has more room to increase its dividends.
Peoples Financial Dividend Payout Ratio Related Terms
Peoples Financial Dividend Payout Ratio Historical Data
* Premium members only.
The historical data trend for Peoples Financial's Dividend Payout Ratio 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.
PFBX vs FABP, PTBS, NMBF: Dividend Payout Ratio Comparison
For the Banks - Regional subindustry, Peoples Financial's Dividend Payout Ratio, along with its competitors' market caps and Dividend Payout Ratio 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 Dividend Payout Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Peoples Financial's Dividend Payout Ratio distribution charts can be found below:
* The bar in red indicates where Peoples Financial's Dividend Payout Ratio falls into.
Peoples Financial Dividend Payout Ratio Calculation
The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period.
Peoples Financial's Dividend Payout Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Dividend Payout Ratio of 0.00 as of Mar. 2026. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Peoples Financial and its competitors. Over the past decade, Peoples Financial's Dividend Payout Ratio has ranged from 0.02 to 0.42. According to the industry distribution chart, Peoples Financial ranks #755 out of 1169 companies in the Banks industry, placing it in the top 64.6%.
Is Peoples Financial's Dividend Payout Ratio too high?
Peoples Financial's current Dividend Payout Ratio is 0.00. Over the past 10 years, this metric has ranged from a low of 0.02 to a high of 0.42. Based on the distribution chart, Peoples Financial ranks #755 out of 1169 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 Dividend Payout Ratio compare to FABP and PTBS?
According to the Banks industry distribution chart, Peoples Financial ranks #755 out of 1169 companies for Dividend Payout Ratio. This places Peoples Financial in the lower half of its industry. The industry median Dividend Payout Ratio is 0.32. Historically, Peoples Financial's own Dividend Payout Ratio has ranged from 0.02 to 0.42 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Dividend Payout Ratio for a Banks company?
The median Dividend Payout Ratio among Banks companies is 0.32, based on 1,169 companies in the industry. Companies in the top quartile (top 25%) have a Dividend Payout Ratio significantly above this median, while those in the bottom quartile fall well below. However, Dividend Payout Ratio 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 Dividend Payout Ratio mean?
A high Dividend Payout Ratio can signal that a stock is expensive relative to its fundamentals. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Peoples Financial and its competitors. For the Banks industry, the median Dividend Payout Ratio is 0.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Peoples Financial's current Dividend Payout Ratio 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 Dividend Payout Ratio 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 Dividend Payout Ratio calculated?
Dividend Payout Ratio is calculated from a company's financial statements. For Peoples Financial (PFBX), the current Dividend Payout Ratio 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:
Dividend Payout Ratio: 0.00
GF Value™: $16.38 vs. price of $21.25 (29.7% above fair value)
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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