Peoples FinancialPFBX 60 PEG Ratio is 10.50 as of Jul. 02, 2026, which is 16% below its 10-year median of 12.53. 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 1,228 Banks companies, Peoples Financial ranks worse than 93.65% on this metric.
PE Ratio without NRI / 5-Year Book Value Growth Rate*
* The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
The historical rank and industry rank for Peoples Financial's PEG Ratio or its related term are showing as below:
PFBX'
s PEG Ratio Range Over the Past 10 Years
Min: 2.73 Med: 12.53 Max: 600.5
Current: 10.5
During the past 13 years, Peoples Financial's highest PEG Ratio was 600.50. The lowest was 2.73. And the median was 12.53.
PFBX's PEG Ratio is ranked worse than 93.65% of 1228
companies
in the Banks industry
Industry Median: 1.51
vs PFBX: 10.50
Peter Lynch thinks a company with a P/E ratio equal to its growth rate is fairly valued.
Peoples Financial (OTCPK:PFBX) PEG Ratio Explanation
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the P/E ratio divided by the growth ratio. He thinks a company with a P/E ratio equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a P/E of 20, instead of a company growing 10% a year with a P/E of 10.
Peoples Financial PEG Ratio Related Terms
Peoples Financial PEG Ratio Historical Data
* Premium members only.
The historical data trend for Peoples Financial's PEG 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.
For the Banks - Regional subindustry, Peoples Financial's PEG Ratio, along with its competitors' market caps and PEG 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 PEG Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Peoples Financial's PEG Ratio distribution charts can be found below:
* The bar in red indicates where Peoples Financial's PEG Ratio 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.
* Note: The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
Peoples Financial (PFBX) has a PEG Ratio of 10.50 as of Jul. 02, 2026. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Peoples Financial and its competitors. This is 16% below median its historical median of 12.53. Over the past decade, Peoples Financial's PEG Ratio has ranged from 2.73 to 600.50. According to the industry distribution chart, Peoples Financial ranks #1150 out of 1228 companies in the Banks industry, placing it in the top 93.6%.
Is Peoples Financial's PEG Ratio too high?
Peoples Financial's current PEG Ratio of 10.50 is 16% below median its 10-year median of 12.53. Over the past 10 years, this metric has ranged from a low of 2.73 to a high of 600.50. The Banks industry median PEG Ratio is 1.51. Peoples Financial's value of 10.50 is 595.4% above this industry median. Based on the distribution chart, Peoples Financial ranks #1150 out of 1228 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 Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Peoples Financial's PEG Ratio compare to FABP and PTBS?
According to the Banks industry distribution chart, Peoples Financial ranks #1150 out of 1228 companies for PEG Ratio. This places Peoples Financial in the lower half of its industry. The industry median PEG Ratio is 1.51. Peoples Financial's value of 10.50 is 595.4% above this benchmark. Historically, Peoples Financial's own PEG Ratio has ranged from 2.73 to 600.50 over the past decade. While the company's 10-year median is 12.53 vs. the industry median of 1.51, Peoples Financial has consistently been above 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 PEG Ratio for a Banks company?
The median PEG Ratio among Banks companies is 1.51, based on 1,228 companies in the industry. Companies in the top quartile (top 25%) have a PEG Ratio significantly above this median, while those in the bottom quartile fall well below. However, PEG Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Peoples Financial's current PEG Ratio of 10.50 is 595.4% above 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 PEG Ratio mean?
A high PEG Ratio can signal that a stock is expensive relative to its fundamentals. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Peoples Financial and its competitors. For the Banks industry, the median PEG Ratio is 1.51 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Peoples Financial's current PEG Ratio is 10.50, which is 16% below median its own 10-year median of 12.53. 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 PEG Ratio is 10.50, which is 16% below median its 10-year median of 12.53 and 595.4% above the Banks industry median of 1.51. 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 PEG Ratio calculated?
PEG Ratio is calculated from a company's financial statements. For Peoples Financial (PFBX), the current PEG Ratio is 10.50 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:
PEG Ratio: 10.50 (16% below median its 10-year median of 12.53)
GF Value™: $16.38 vs. price of $21.25 (29.7% above fair value)
Industry Position: 595.4% above the Banks median (#1150 of 1228)
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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