PFBX (Peoples Financial) ROE % Adjusted to Book Value: 5.96% (As of Mar. 2026)


PFBX Peoples Financial Corp PFBX
60 GF Score
Price $21.25
GF Value $16.38
Valuation Modestly Overvalued
! 6 Warning Signs
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What is Peoples Financial ROE % Adjusted to Book Value?

Peoples Financial PFBX 60 ROE % Adjusted to Book Value is 5.96% 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.

Peoples Financial's ROE % for the quarter that ended in Mar. 2026 was 5.72%. Peoples Financial's PB Ratio for the quarter that ended in Mar. 2026 was 0.96. Peoples Financial's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 was 5.96%.


Peoples Financial ROE % Adjusted to Book Value Related Terms


Peoples Financial ROE % Adjusted to Book Value Historical Data

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The historical data trend for Peoples Financial's ROE % Adjusted to Book Value 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.

Peoples Financial ROE % Adjusted to Book Value Chart

Peoples Financial Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value
Get a 7-Day Free Trial Premium Member Only Premium Member Only 11.24 9.89 13.15 28.68 4.41

Peoples Financial Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
ROE % Adjusted to Book Value Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 6.04 5.47 2.70 3.06 5.96

PFBX vs FABP, PTBS, NMBF: ROE % Adjusted to Book Value Comparison

For the Banks - Regional subindustry, Peoples Financial's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value vs Banks Industry

For the Banks industry and Financial Services sector, Peoples Financial's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where Peoples Financial's ROE % Adjusted to Book Value falls into.


PFBX
60GF Score
Peoples Financial Corp PFBX
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
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Peoples Financial ROE % Adjusted to Book Value Calculation

Peoples Financial's ROE % Adjusted to Book Value for the fiscal year that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=4.10% / 0.93
=4.41%

Peoples Financial's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=5.72% / 0.96
=5.96%

* 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.

What does a ROE % Adjusted to Book Value of 5.96% mean?
Peoples Financial (PFBX) has a ROE % Adjusted to Book Value of 5.96% as of Mar. 2026. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Peoples Financial and its competitors.
Is Peoples Financial's ROE % Adjusted to Book Value too high?
Peoples Financial's current ROE % Adjusted to Book Value is 5.96%. 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 ROE % Adjusted to Book Value compare to FABP and PTBS?
Peoples Financial's ROE % Adjusted to Book Value of 5.96% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % Adjusted to Book Value for a Banks company?
A good ROE % Adjusted to Book Value depends on the Banks industry context. However, ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Peoples Financial and its competitors. Peoples Financial's current ROE % Adjusted to Book Value is 5.96%. 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 ROE % Adjusted to Book Value is 5.96%. 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 ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For Peoples Financial (PFBX), the current ROE % Adjusted to Book Value is 5.96% 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:

  • ROE % Adjusted to Book Value: 5.96%
  • GF Value™: $16.38 vs. price of $21.25 (29.7% above fair value)
  • GF Score™: 60/100 with 6 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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ROE % Adjusted to Book Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$21.25
Price
$16.38
GF Value