Peoples FinancialPFBX 60 Pretax Margin % is 25.75% as of Mar. 2026, which is 106% above its 10-year median of 12.48. 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 1,528 Banks companies, Peoples Financial ranks worse than 82.79% on this metric.
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Peoples Financial Pretax Margin % Related Terms
Peoples Financial Pretax Margin % Historical Data
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The historical data trend for Peoples Financial's Pretax 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.
PFBX vs FABP, PTBS, NMBF: Pretax Margin % Comparison
For the Banks - Regional subindustry, Peoples Financial's Pretax Margin %, along with its competitors' market caps and Pretax 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 Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Peoples Financial's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Peoples Financial's Pretax 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 Pretax Margin % of 25.75% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Peoples Financial and its competitors. This is 106% above median its historical median of 12.48. According to the industry distribution chart, Peoples Financial ranks #1265 out of 1528 companies in the Banks industry, placing it in the top 82.8%.
Is Peoples Financial's Pretax Margin % too high?
Peoples Financial's current Pretax Margin % of 25.75% is 106% above median its 10-year median of 12.48. The Banks industry median Pretax Margin % is 34.72. Peoples Financial's value of 25.75% is 25.8% below this industry median. Based on the distribution chart, Peoples Financial ranks #1265 out of 1528 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 Pretax Margin % compare to FABP and PTBS?
According to the Banks industry distribution chart, Peoples Financial ranks #1265 out of 1528 companies for Pretax Margin %. This places Peoples Financial in the lower half of its industry. The industry median Pretax Margin % is 34.72. Peoples Financial's value of 25.75% is 25.8% below this benchmark. While the company's 10-year median is 12.48 vs. the industry median of 34.72, 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 Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 34.72, based on 1,528 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Peoples Financial's current Pretax Margin % of 25.75% is 25.8% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Peoples Financial and its competitors. For the Banks industry, the median Pretax Margin % is 34.72 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Peoples Financial's current Pretax Margin % is 25.75%, which is 106% above median its own 10-year median of 12.48. 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 Pretax Margin % is 25.75%, which is 106% above median its 10-year median of 12.48 and 25.8% below the Banks industry median of 34.72. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Peoples Financial (PFBX), the current Pretax Margin % is 25.75% 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:
Pretax Margin %: 25.75% (106% above median its 10-year median of 12.48)
GF Value™: $16.38 vs. price of $21.25 (29.7% above fair value)
Industry Position: 25.8% below the Banks median (#1265 of 1528)
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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