Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
Peoples Financial's 3-Year RORE % for the quarter that ended in Mar. 2026 was -16.77%.
The industry rank for Peoples Financial's 3-Year RORE % or its related term are showing as below:
PFBX's 3-Year RORE % is ranked worse than 86.03% of 1475
companies
in the Banks industry
Industry Median: 9.92
vs PFBX: -16.77
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 3-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
Peoples Financial 3-Year RORE % Related Terms
Peoples Financial 3-Year RORE % Historical Data
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The historical data trend for Peoples Financial's 3-Year RORE % 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: 3-Year RORE % Comparison
For the Banks - Regional subindustry, Peoples Financial's 3-Year RORE %, along with its competitors' market caps and 3-Year RORE % 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 3-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, Peoples Financial's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Peoples Financial's 3-Year RORE % 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.
In the calculation of 3-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Mar. 2026 and 3-year before.
Peoples Financial (PFBX) has a 3-Year RORE % of -16.77 as of Mar. 2026. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Peoples Financial and its competitors. According to the industry distribution chart, Peoples Financial ranks #1269 out of 1475 companies in the Banks industry, placing it in the top 86%.
Is Peoples Financial's 3-Year RORE % too high?
Peoples Financial's current 3-Year RORE % is -16.77. Based on the distribution chart, Peoples Financial ranks #1269 out of 1475 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 Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Peoples Financial's 3-Year RORE % compare to FABP and PTBS?
According to the Banks industry distribution chart, Peoples Financial ranks #1269 out of 1475 companies for 3-Year RORE %. This places Peoples Financial in the lower half of its industry. The industry median 3-Year RORE % is 9.92. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year RORE % for a Banks company?
The median 3-Year RORE % among Banks companies is 9.92, based on 1,475 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year RORE % 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 3-Year RORE % mean?
A high 3-Year RORE % can signal that a stock is expensive relative to its fundamentals. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Peoples Financial and its competitors. For the Banks industry, the median 3-Year RORE % is 9.92 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Peoples Financial's current 3-Year RORE % is -16.77. 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 $16.38, compared to a current price of $21.50 — trading 31.3% above its estimated fair value. The current 3-Year RORE % is -16.77. 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 3-Year RORE % calculated?
3-Year RORE % is calculated from a company's financial statements. For Peoples Financial (PFBX), the current 3-Year RORE % is -16.77 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 $21.50 is trading 31.3% above its estimated GF Value™ of $16.38.
GuruFocus considers Peoples Financial to be Significantly Overvalued.
Key valuation signals for PFBX:
3-Year RORE %: -16.77
GF Value™: $16.38 vs. price of $21.50 (31.3% 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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