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Peoples FinancialPFBX 54 3-Year Share Buyback Ratio is 0.40 as of Jun. 2026, which is 56% below its 10-year median of 0.90. GuruFocus rates PFBX with a GF Score™ of 54/100 and a GF Value™ of $17.18 (Significantly Overvalued). The stock has 9 warning signs investors should review. Among 1,031 Banks companies, Peoples Financial ranks better than 68.28% on this metric.
Shares Outstanding (EOP) are shares that have been authorized, issued, and purchased by investors and are held by them.
3-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past three years. It is calculated as the annualized percentage change in shares outstanding from three years ago to the current year. A positive ratio may indicate share buybacks over the period, while a zero or negative ratio may reflect no repurchases or potential share issuance. Peoples Financial's current 3-Year Share Buyback Ratio was 0.40%.
The historical rank and industry rank for Peoples Financial's 3-Year Share Buyback Ratio or its related term are showing as below:
PFBX'
s 3-Year Share Buyback Ratio Range Over the Past 10 Years
Min: -0.8 Med: 0.9 Max: 2
Current: 0.4
During the past 13 years, Peoples Financial's highest 3-Year Share Buyback Ratio was 2.00%. The lowest was -0.80%. And the median was 0.90%.
PFBX's 3-Year Share Buyback Ratio is ranked better than 68.28% of 1031
companies
in the Banks industry
Industry Median: -0.2
vs PFBX: 0.40
Peoples Financial (OTCPK:PFBX) 3-Year Share Buyback Ratio Explanation
A negative number means the company might be issuing new shares. A positive number indicates that the company is buying back shares.
Be Aware
Investors usually like share buybacks. But as pointed by Warren Buffett, only if a company buys back shares at the prices below the stock's intrinsic value, it rewards remaining shareholders. If a company buys its overvalued stocks back, it destroys shareholder value.
Peoples Financial 3-Year Share Buyback Ratio Related Terms
PFBX vs GSBX, FNWB, TYBT: 3-Year Share Buyback Ratio Comparison
For the Banks - Regional subindustry, Peoples Financial's 3-Year Share Buyback Ratio, along with its competitors' market caps and 3-Year Share Buyback Ratio 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 Share Buyback Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Peoples Financial's 3-Year Share Buyback Ratio distribution charts can be found below:
* The bar in red indicates where Peoples Financial's 3-Year Share Buyback Ratio falls into.
Peoples Financial 3-Year Share Buyback Ratio Calculation
This is the annualized percentage change in shares outstanding from three years ago to the current year. The annualized percentage change is calculated with expontential compound based on the latest four years of annual data on Shares Outstanding (EOP).
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average dividends per share growth rate.
What does a 3-Year Share Buyback Ratio of 0.40 mean?
Peoples Financial (PFBX) has a 3-Year Share Buyback Ratio of 0.40 as of Jun. 2026. The 3-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past three years. It is calculated as the annualized percentage change in shares outstanding from three years ago to the current year. View historical data for Peoples Financial and its competitors. This is 56% below median its historical median of 0.90. According to the industry distribution chart, Peoples Financial ranks #327 out of 1031 companies in the Banks industry, placing it in the top 31.7%.
Is Peoples Financial's 3-Year Share Buyback Ratio too high?
Peoples Financial's current 3-Year Share Buyback Ratio of 0.40 is 56% below median its 10-year median of 0.90. Based on the distribution chart, Peoples Financial ranks #327 out of 1031 companies in the Banks industry, which is above the industry midpoint. Overall, Peoples Financial has a GF Score™ of 54/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Peoples Financial's 3-Year Share Buyback Ratio compare to GSBX and FNWB?
According to the Banks industry distribution chart, Peoples Financial ranks #327 out of 1031 companies for 3-Year Share Buyback Ratio. This puts Peoples Financial in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Share Buyback Ratio for a Banks company?
A good 3-Year Share Buyback Ratio depends on the Banks industry context. However, 3-Year Share Buyback Ratio 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 Share Buyback Ratio mean?
A high 3-Year Share Buyback Ratio can signal that a stock is expensive relative to its fundamentals. The 3-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past three years. It is calculated as the annualized percentage change in shares outstanding from three years ago to the current year. View historical data for Peoples Financial and its competitors. Peoples Financial's current 3-Year Share Buyback Ratio is 0.40, which is 56% below median its own 10-year median of 0.90. 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 $17.18, compared to a current price of $24.30 — trading 41.4% above its estimated fair value. The current 3-Year Share Buyback Ratio is 0.40, which is 56% below median its 10-year median of 0.90. Peoples Financial's overall GF Score™ is 54/100 with 9 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Share Buyback Ratio calculated?
3-Year Share Buyback Ratio is calculated from a company's financial statements. For Peoples Financial (PFBX), the current 3-Year Share Buyback Ratio is 0.40 as of Jun. 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 $24.30 is trading 41.4% above its estimated GF Value™ of $17.18.
GuruFocus considers Peoples Financial to be Significantly Overvalued.
Key valuation signals for PFBX:
3-Year Share Buyback Ratio: 0.40 (56% below median its 10-year median of 0.90)
GF Value™: $17.18 vs. price of $24.30 (41.4% 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.
54GF Score
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