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Peoples FinancialPFBX 60 5-Year Yield-on-Cost % is 23.23 as of Jul. 21, 2026, which is 148% above its 10-year median of 9.37. GuruFocus rates PFBX with a GF Score™ of 60/100 and a GF Value™ of $16.38 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,254 Banks companies, Peoples Financial ranks better than 96.25% on this metric.
Peoples Financial's yield on cost for the quarter that ended in Mar. 2026 was 23.23.
The historical rank and industry rank for Peoples Financial's 5-Year Yield-on-Cost % or its related term are showing as below:
PFBX'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.98 Med: 9.37 Max: 31.06
Current: 23.23
During the past 13 years, Peoples Financial's highest Yield on Cost was 31.06. The lowest was 0.98. And the median was 9.37.
PFBX's 5-Year Yield-on-Cost % is ranked better than 96.25% of 1254
companies
in the Banks industry
Industry Median: 3.865
vs PFBX: 23.23
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Peoples Financial 5-Year Yield-on-Cost % Related Terms
PFBX vs FABP, PTBS, NMBF: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, Peoples Financial's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Peoples Financial's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Peoples Financial's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Peoples Financial (PFBX) has a 5-Year Yield-on-Cost % of 23.23 as of Jul. 21, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Peoples Financial and its competitors. This is 148% above median its historical median of 9.37. Over the past decade, Peoples Financial's 5-Year Yield-on-Cost % has ranged from 0.98 to 31.06. According to the industry distribution chart, Peoples Financial ranks #47 out of 1254 companies in the Banks industry, placing it in the top 3.7%.
Is Peoples Financial's 5-Year Yield-on-Cost % too high?
Peoples Financial's current 5-Year Yield-on-Cost % of 23.23 is 148% above median its 10-year median of 9.37. Over the past 10 years, this metric has ranged from a low of 0.98 to a high of 31.06. The Banks industry median 5-Year Yield-on-Cost % is 3.87. Peoples Financial's value of 23.23 is 501% above this industry median. Based on the distribution chart, Peoples Financial ranks #47 out of 1254 companies in the Banks industry, which is in the top quartile — a strong position 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 5-Year Yield-on-Cost % compare to FABP and PTBS?
According to the Banks industry distribution chart, Peoples Financial ranks #47 out of 1254 companies for 5-Year Yield-on-Cost %. This places Peoples Financial in the top 4% of its industry — outperforming the majority of peers. The industry median 5-Year Yield-on-Cost % is 3.87. Peoples Financial's value of 23.23 is 501% above this benchmark. Historically, Peoples Financial's own 5-Year Yield-on-Cost % has ranged from 0.98 to 31.06 over the past decade. While the company's 10-year median is 9.37 vs. the industry median of 3.87, Peoples Financial has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.87, based on 1,254 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Peoples Financial's current 5-Year Yield-on-Cost % of 23.23 is 501% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Peoples Financial and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.87 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Peoples Financial's current 5-Year Yield-on-Cost % is 23.23, which is 148% above median its own 10-year median of 9.37. 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 $21.75 — trading 32.8% above its estimated fair value. The current 5-Year Yield-on-Cost % is 23.23, which is 148% above median its 10-year median of 9.37 and 501% above the Banks industry median of 3.87. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Peoples Financial (PFBX), the current 5-Year Yield-on-Cost % is 23.23 as of Jul. 21, 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 $21.75 is trading 32.8% above its estimated GF Value™ of $16.38.
GuruFocus considers Peoples Financial to be Significantly Overvalued.
Key valuation signals for PFBX:
5-Year Yield-on-Cost %: 23.23 (148% above median its 10-year median of 9.37)
GF Value™: $16.38 vs. price of $21.75 (32.8% above fair value)
Industry Position: 501% above the Banks median (#47 of 1254)
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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