PFBX (Peoples Financial) Scaled Net Operating Assets: -0.16 (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 Scaled Net Operating Assets?

Peoples Financial PFBX 60 Scaled Net Operating Assets is -0.16 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Peoples Financial's operating assets for the quarter that ended in Mar. 2026 was $567.22 Mil. Peoples Financial's operating liabilities for the quarter that ended in Mar. 2026 was $686.87 Mil. Peoples Financial's Total Assets for the quarter that ended in Dec. 2025 was $727.12 Mil. Therefore, Peoples Financial's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was -0.16.

PFBX
60GF Score
Peoples Financial Corp PFBX
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Peoples Financial Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Peoples Financial's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(707.54-625.654)/831.849
=0.10

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=727.121 - 19.581
=707.54

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=626.454 - 0.8 - 0
=625.654

Peoples Financial's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(567.222-686.865)/727.121
=-0.16

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=788.26 - 221.038
=567.222

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=686.865 - 0 - 0
=686.865

* 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 Scaled Net Operating Assets of -0.16 mean?
Peoples Financial (PFBX) has a Scaled Net Operating Assets of -0.16 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Peoples Financial and its competitors.
Is Peoples Financial's Scaled Net Operating Assets too high?
Peoples Financial's current Scaled Net Operating Assets is -0.16. 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 Scaled Net Operating Assets compare to FABP and PTBS?
Peoples Financial's Scaled Net Operating Assets of -0.16 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 Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Peoples Financial and its competitors. Peoples Financial's current Scaled Net Operating Assets is -0.16. 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 Scaled Net Operating Assets is -0.16. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Peoples Financial (PFBX), the current Scaled Net Operating Assets is -0.16 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:

  • Scaled Net Operating Assets: -0.16
  • 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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Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$21.25
Price
$16.38
GF Value