PFBX (Peoples Financial) ROC %: % (As of Mar. 2026)


PFBX Peoples Financial Corp PFBX
60 GF Score
Price $22.25
GF Value $16.39
Valuation Significantly Overvalued
! 7 Warning Signs
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What is Peoples Financial ROC %?

Peoples Financial PFBX -3.04% 60 ROC % is % as of Mar. 2026. 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.

ROC %does not apply to banks.

PFBX
60GF Score
Peoples Financial Corp PFBX
ROC % is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about ROC % →
What does a ROC % of % mean?
Peoples Financial (PFBX) has a ROC % of % as of Mar. 2026. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on Peoples Financial and its competitors.
Is Peoples Financial's ROC % too high?
Peoples Financial's current ROC % is %. 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 ROC % compare to NMBF and BYLB?
Peoples Financial's ROC % of % can be compared against companies in the Banks industry. The industry median ROC % is 1.98. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC % for a Banks company?
The median ROC % among Banks companies is 1.98, based on 48 companies in the industry. Companies in the top quartile (top 25%) have a ROC % significantly above this median, while those in the bottom quartile fall well below. However, ROC % 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 ROC % mean?
A high ROC % can signal that a stock is expensive relative to its fundamentals. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on Peoples Financial and its competitors. For the Banks industry, the median ROC % is 1.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Peoples Financial's current ROC % is %. 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 ROC % is %. 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 ROC % calculated?
ROC % is calculated from a company's financial statements. For Peoples Financial (PFBX), the current ROC % is % 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:

  • ROC %: %
  • GF Value™: $16.39 vs. price of $22.25 (35.8% above fair value)
  • GF Score™: 60/100 with 7 warning signs

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 Business Description

Address Lameuse and Howard Avenues, Biloxi, MS, USA, 39533
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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ROC % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$22.25
Price
$16.39
GF Value