PEOPLES FINANCIAL CORP /MS/
PEOPLES FINANCIAL CORP /MS/
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Financial Statements
Values in Millions ($) | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Financial statements beyond 3 years are for subscribers only. Unlock 17+ years of income statements, balance sheets, and cash flow statements Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Cash And Due From Banks | 24 | 57 | 20 | 42 | 18 | 95 | 108 | 42 | 18 | 108 | 23 | 45 | |||||
Available For Sale Securities Debt Securities | - | - | - | - | - | - | - | - | 408 | 396 | 339 | 327 | |||||
Held To Maturity Securities | - | - | - | - | - | - | - | - | 134 | 145 | 151 | 161 | |||||
Debt Securities Available For Sale Excluding Accru… | 332 | 324 | 298 | 312 | 337 | 370 | 309 | 342 | - | - | 339 | - | |||||
Debt Securities Held To Maturity Excluding Accrued… | 82 | 84 | 91 | 95 | 101 | 113 | 123 | 134 | - | - | 151 | - | |||||
Debt Securities Held To Maturity Allowance For Cre… | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | - | - | |||||
Debt Securities Held To Maturity Allowance For Cre… | - | - | - | - | - | - | 0 | - | 0 | 0 | 0 | - | |||||
Debt Securities Held To Maturity Excluding Accrued… | 82 | 84 | 91 | 95 | 101 | 113 | 123 | 134 | - | - | - | - | |||||
Debt Securities Held To Maturity Amortized Cost Af… | - | - | - | - | - | - | 123 | - | 134 | 145 | 151 | - | |||||
Other Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Federal Home Loan Bank Stock | 2 | 1 | 1 | 1 | 1 | 1 | 1 | 0 | 3 | 2 | 2 | 2 | |||||
Assets | |||||||||||||||||
Assets | 771 | 788 | 727 | 758 | 761 | 867 | 832 | 814 | 847 | 933 | 798 | 810 | |||||
Financing Receivable Excluding Accrued Interest Be… | - | 269 | 264 | 253 | 248 | 232 | 234 | 239 | 239 | 236 | 238 | 230 | |||||
Notes Receivable Gross | - | - | - | - | - | - | - | - | 239 | 236 | 238 | 230 | |||||
Financing Receivable Allowance For Credit Loss Exc… | - | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | |||||
Financing Receivable Allowance For Credit Losses | - | - | - | - | - | - | - | - | 3 | 3 | 3 | 3 | |||||
Financing Receivable Excluding Accrued Interest Af… | - | - | - | - | - | - | 231 | - | - | - | 235 | - | |||||
Notes Receivable Net | 274 | 266 | 261 | 250 | 245 | 229 | 231 | 236 | 236 | 233 | 235 | 226 | |||||
Property Plant And Equipment Net | 17 | 17 | 17 | 18 | 18 | 18 | 19 | 19 | 19 | 20 | 19 | 19 | |||||
Real Estate Acquired Through Foreclosure | - | - | - | - | - | 0 | 0 | - | - | - | 0 | 1 | |||||
Interest Receivable | 3 | 3 | 3 | 3 | 3 | 3 | 4 | 4 | 4 | 4 | 4 | 3 | |||||
Cash Surrender Value Of Life Insurance | 23 | 23 | 23 | 22 | 22 | 22 | 22 | 22 | 22 | 22 | 21 | 21 | |||||
Intangible Assets Net Excluding Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 1 | 1 | |||||
Other Assets | 13 | 13 | 13 | 13 | 14 | 14 | 16 | 14 | 3 | 2 | 2 | 3 | |||||
Noninterest Bearing Deposit Liabilities Domestic | 177 | 188 | 173 | 172 | 168 | 189 | 235 | 188 | 184 | 199 | 175 | 199 | |||||
Interest Bearing Deposit Liabilities Domestic | 396 | 441 | 394 | 427 | 436 | 517 | 435 | 440 | 464 | 585 | 484 | 500 | |||||
Deposits | |||||||||||||||||
Deposits | 610 | 666 | 604 | 638 | 644 | 752 | 721 | 666 | 675 | 811 | 688 | 730 | |||||
Time Deposits At Or Above F D I C Insurance Limit | 12 | 12 | 14 | 13 | 13 | 17 | 21 | 15 | 6 | 6 | 8 | 7 | |||||
Short Term Borrowings | - | - | - | - | - | - | - | 30 | 30 | 30 | - | - | |||||
Advances From Federal Home Loan Banks | 39 | - | 1 | - | - | - | 0 | - | 47 | 0 | 19 | - | |||||
Pension And Other Postretirement Defined Benefit P… | 20 | 20 | 20 | 19 | 19 | 19 | 19 | 19 | 19 | 19 | 20 | 20 | |||||
Other Liabilities | 1 | 1 | 1 | 1 | 1 | 1 | 2 | 2 | 2 | 1 | 2 | 1 | |||||
Liabilities | 669 | 687 | 626 | 658 | 665 | 772 | 742 | 718 | 773 | 862 | 728 | 751 | |||||
Common Stock Value | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | |||||
Additional Paid In Capital Common Stock | 66 | 66 | 66 | 66 | 66 | 66 | 66 | 66 | 66 | 66 | 66 | 66 | |||||
Stockholders Equity | |||||||||||||||||
Stockholders Equity | 102 | 101 | 101 | 100 | 97 | 94 | 90 | 96 | 74 | 71 | 69 | 59 | |||||
Retained Earnings Accumulated Deficit | 60 | 60 | 59 | 59 | 58 | 58 | 56 | 57 | 41 | 40 | 38 | 38 | |||||
Accumulated Other Comprehensive Income Loss Net Of… | -29 | -29 | -28 | -29 | -32 | -34 | -37 | -31 | -38 | -40 | -39 | -49 | |||||
Liabilities And Stockholders Equity | 771 | 788 | 727 | 758 | 761 | 867 | 832 | 814 | 847 | 933 | 798 | 810 | |||||
Trading Securities Debt Amortized Cost | - | - | 323 | - | - | - | 346 | - | 446 | 437 | 379 | - | |||||
Debt Securities Available For Sale Amortized Cost … | 358 | 350 | - | 339 | 368 | 403 | - | 371 | - | - | - | - | |||||
Held To Maturity Securities Fair Value | 73 | 75 | 82 | 86 | 90 | 102 | 111 | 123 | 121 | 132 | 139 | 145 | |||||
Common Stock Par Or Stated Value Per Share | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | |||||
Common Stock Shares Authorized | 15 | 15 | 15 | 15 | 15 | 15 | 15 | 15 | 15 | 15 | 15 | 15 | |||||
Common Stock Shares Issued | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | |||||
Shares Outstanding | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | |||||
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Interactive Financial Visualizations
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Earnings Market Reaction
| Fiscal Year | Q1 1 Month | Q1 2 Month | Q1 3 Month | Q2 1 Month | Q2 2 Month | Q2 3 Month | Q3 1 Month | Q3 2 Month | Q3 3 Month | Q4 1 Month | Q4 2 Month | Q4 3 Month |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | -0.05% | 0.81% | 6.97% | - | - | - | - | - | - | - | - | - |
| 2025 | 0.51% | 2.48% | 2.58% | 0.05% | 6.40% | 2.32% | 0.00% | 2.14% | 3.29% | -2.23% | -1.07% | -1.12% |
| 2024 | 5.08% | 5.74% | 10.96% | 5.61% | 4.42% | 7.40% | 2.49% | 4.22% | 10.72% | -1.08% | 0.46% | 0.98% |
| 2023 | - | - | - | - | - | - | 13.19% | 31.85% | 24.30% | -2.75% | -3.06% | 1.86% |
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Performance and Valuation Metrics
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Metrics | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Metric history beyond 3 years is for subscribers only. Unlock 17+ years of history across 90+ calculated metrics Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Leverage & Debt | |||||||||||||||||
| Interest Coverage TTM | -0.77 | -0.76 | -0.76 | -0.72 | -0.71 | -0.69 | -0.32 | 0.11 | 0.81 | 2.61 | 2.83 | 3.23 | |||||
Per Share Metrics | |||||||||||||||||
| Diluted EPS TTM | - | - | 0.85 | - | - | - | 4.66 | - | - | - | 1.96 | - | |||||
| Free Cash Flow Per Share TTM | 0.86 | 0.88 | 0.91 | 1.01 | 1.26 | 1.22 | 1.09 | 1.17 | 0.81 | 1.27 | 1.18 | 1.23 | |||||
| Dividend Per Share TTM | 0.18 | 0.36 | 0.36 | 0.44 | 0.44 | 0.44 | 0.44 | 0.59 | 0.59 | 0.53 | 0.53 | 0.22 | |||||
Margin Metrics | |||||||||||||||||
| Gross Profit Margin TTM | -126.67% | -222.07% | -225.75% | -190.36% | -215.91% | -273.41% | -288.52% | -230.66% | -199.54% | -156.84% | -132.85% | -105.55% | |||||
| Operating Profit Margin TTM | 125.55% | 197.77% | 192.36% | 205.40% | 238.14% | 281.89% | 337.63% | 267.63% | 296.68% | 344.75% | 348.47% | 458.84% | |||||
| Net Profit Margin TTM | 103.26% | 160.91% | 156.38% | 165.60% | 725.32% | 827.23% | 874.42% | 670.69% | 257.75% | 274.20% | 282.99% | 491.87% | |||||
Growth Metrics | |||||||||||||||||
| Net Revenue Growth (1Y) | 33.27% | 1.00% | 0.77% | -12.65% | -17.23% | -23.78% | -23.37% | 27.64% | 37.42% | 52.17% | 61.87% | 46.84% | |||||
| Net Income Growth (1Y) | -81.03% | -80.35% | -81.98% | -78.43% | 132.91% | 129.94% | 136.78% | 74.04% | -32.76% | -15.81% | 2.52% | 93.96% | |||||
| EPS Growth (1Y) | -81.03% | -80.35% | -81.83% | -78.23% | 135.14% | 132.14% | 137.73% | 74.64% | -32.52% | -15.51% | 2.58% | 93.97% | |||||
Valuation Metrics | |||||||||||||||||
| P/E TTM | 26.50 | 23.77 | 23.83 | 20.27 | 4.61 | 4.20 | 3.89 | 3.58 | 8.58 | 7.65 | 8.03 | 4.41 | |||||
| P/B TTM | 0.96 | 0.95 | 0.93 | 0.96 | 0.93 | 0.92 | 0.94 | 0.81 | 0.97 | 0.97 | 1.06 | 0.94 | |||||
| P/S TTM | 27.37 | 38.25 | 37.27 | 33.57 | 33.43 | 34.76 | 33.98 | 23.99 | 22.12 | 20.99 | 22.74 | 21.68 | |||||
| Market Cap | 98.12M | 96.19M | 93.22M | 95.74M | 89.94M | 86.55M | 84.33M | 78.32M | 71.88M | 68.57M | 73.65M | 55.46M | |||||
| Enterprise Value | 74.07M | 38.81M | 73.63M | 53.85M | 71.56M | -8.89M | -23.41M | 66.07M | 84.35M | -9.55M | 50.85M | 10.36M | |||||
Calculated Values | |||||||||||||||||
| Free Cash Flow TTM | 3.96M | 4.07M | 4.20M | 4.66M | 5.81M | 5.65M | 5.06M | 5.45M | 3.77M | 5.91M | 5.52M | 5.76M | |||||
| Net Debt | -24.05M | -57.39M | -19.58M | -41.90M | -18.38M | -95.43M | -107.74M | -12.25M | 12.47M | -78.12M | -22.79M | -45.10M | |||||
Per-Share and Margin | |||||||||||||||||
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| Stock Comp to Revenue TTM | |||||||||||||||||
Turnover Ratios and Averages | |||||||||||||||||
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| Working Capital to Revenue | |||||||||||||||||
| Deferred Revenue to Revenue | |||||||||||||||||
Growth Rates | |||||||||||||||||
| Total Assets Growth (1Y) | |||||||||||||||||
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| Total Assets Growth (5Y) | |||||||||||||||||
| Dividends Paid Growth (1Y) | |||||||||||||||||
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| Net Income Growth (3Y) | |||||||||||||||||
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| Net Profit Margin Growth (1Y) | |||||||||||||||||
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| Net Profit Margin Growth (5Y) | |||||||||||||||||
| Net Revenue Growth (3Y) | |||||||||||||||||
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| Deferred Revenue Growth (1Y) | |||||||||||||||||
| Retained Earnings Growth (1Y) | |||||||||||||||||
Credit, Liquidity, Returns, Payout | |||||||||||||||||
| Cash Ratio | |||||||||||||||||
| Net Working Capital | |||||||||||||||||
| Debt to EBITDA TTM | |||||||||||||||||
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| Net Debt to Equity | |||||||||||||||||
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| ROA TTM | |||||||||||||||||
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| Effective Tax Rate TTM | |||||||||||||||||
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| Dilution Ratio | |||||||||||||||||
| Retained Earnings to Equity | |||||||||||||||||
| Treasury Stock to Equity | |||||||||||||||||
| Treasury Stock Change (1Y) | |||||||||||||||||
| Accrued to Current Liabilities | |||||||||||||||||
| NCAV | |||||||||||||||||
| NCAV Per Share TTM | |||||||||||||||||
Valuation Ratios | |||||||||||||||||
| P/CF TTM | |||||||||||||||||
| PEG Ratio | |||||||||||||||||
| Dividend Yield TTM | |||||||||||||||||
| Free Cash Flow Yield TTM | |||||||||||||||||
| EV EBITDA TTM | |||||||||||||||||
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| Adjusted Net Income TTM | |||||||||||||||||
| Billings TTM | |||||||||||||||||
| Total Debt | |||||||||||||||||
| Invested Capital | |||||||||||||||||
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Insider Transactions
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Institutional Ownership
PEOPLES FINANCIAL CORP /MS/ (PFBX) — SEC Financial Statements & Analysis
PEOPLES FINANCIAL CORP /MS/ (PFBX) is a state commercial banks company, incorporated in MS. PEOPLES FINANCIAL CORP /MS/ trades on OTC as: PFBX. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), PEOPLES FINANCIAL CORP /MS/ reported a 33.27% year-over-year revenue growth, a Gross Profit Margin of -126.67% (TTM), a Price-to-Sales (P/S) ratio of 27.37x (TTM), a Price-to-Book (P/B) ratio of 0.96x (TTM), at a market cap of $98.12M. Figures below are sourced from SEC EDGAR, as-filed.
- Net Revenue TTM Growth 1Y
- 33.27%
- Gross Profit Margin TTM
- -126.67%
- P/S TTM
- 27.37x
- P/B TTM
- 0.96x
- Market Cap
- $98.12M
Data as of 2026-06-30 · Source: SEC EDGAR
Frequently Asked Questions
What industry is PEOPLES FINANCIAL CORP /MS/ in?
PEOPLES FINANCIAL CORP /MS/ (PFBX) operates in the State Commercial Banks industry.
What is PFBX's market cap?
PEOPLES FINANCIAL CORP /MS/ (PFBX) has a market capitalization of $98.12M as of 2026-06-30.
What is PFBX's P/E ratio?
PEOPLES FINANCIAL CORP /MS/ (PFBX)'s trailing twelve month P/E ratio is 26.50x as of 2026-06-30.
What exchange does PFBX trade on?
PEOPLES FINANCIAL CORP /MS/ (PFBX) trades on the OTC.
Where is PEOPLES FINANCIAL CORP /MS/ incorporated?
PEOPLES FINANCIAL CORP /MS/ is incorporated in MS.