PFBX · PEOPLES FINANCIAL CORP /MS/
Peoples Financial Corporation operates as the bank holding company for The Peoples Bank that provides banking, financial, and trust services in the United States. The company accepts various deposits, such as interest and non-interest-bearing checking accounts, savings accounts, certificates of deposit, and individual retirement accounts (IRAs); and business, commercial, real estate, construction, personal, and installment loans. It also offers personal trust, agencies, and estate services, including living and testamentary trusts, executorships, guardianships, and conservatorships; and escrow management, stock transfer, and bond paying agency accounts. In addition, the company provides safe deposit box rental, wire transfer services, night drop facilities, collection services, cash management, and internet banking. It serves the state, county, and local government entities, as well as individuals, small and commercial businesses, and various industries comprising seafood, retail, hospitality, hotel and motel, gaming, and construction. Peoples Financial Corporation was founded in 1896 and is headquartered in Biloxi, Mississippi.
Cap structure and valuation
| Cap structure | |
|---|---|
| SP | $22.26 |
| SO | 4.6M |
| Options | 0.0M |
| Warrants | 0.0M |
| FD SO | 4.6M |
| MC | $102.8M |
| Cash | $57.4M |
| Total debt | — |
| EV | $45.4M |
| TTM Multiples | |
|---|---|
| EV / Revenue | 2.0x |
| EV / EBITDA | — |
| MC / Net Income | 25.4x |
| EV / FCF | 11.2x |
| MC / FCF | 25.3x |
| Ownership & coverage | |
|---|---|
| Institutional | 26.3% |
| Insiders | 40.0% |
| # Institutions | 3 |
| Analysts | 0 |
| Consensus | — |
| Avg target | — |
| Short % float | — |
| Days to cover | — |
MC = SP × FD SO. EV = MC + Debt − Cash. SP = previous yfinance close. Balance-sheet figures as of 2026-04-30. Multiples use TTM (sum of last 4 quarters); shown as "—" when the denominator is zero or negative, or when fewer than four quarters are reported — a partial sum is not a trailing twelve months. Ownership & coverage per Yahoo Finance as of 2026-08-04 — institutional % is 13F-based, so it can lag a quarter and exceed 100% on share-count timing. Short interest shown as "—" when unreported or older than 60 days.
Financial statements
| 3/31/26 | 12/31/25 | 9/30/25 | 6/30/25 | |
|---|---|---|---|---|
| Total Revenue | 5.99 | 5.71 | 5.80 | 5.41 |
| Revenue YoY % | 17.5% | (3.3%) | 7.4% | 3.6% |
| Gross Profit | 2.37 | 2.05 | 1.82 | 1.65 |
| Gross Profit YoY % | 57.5% | (16.9%) | (3.4%) | 26.2% |
| Gross Margin % | 39.6% | 35.8% | 31.5% | 30.5% |
| SG&A | 5.71 | 5.53 | 5.72 | 5.76 |
| Interest Expense | 5.77 | 4.64 | 4.58 | 5.47 |
| Pretax Income | 1.85 | 0.85 | 0.79 | 1.49 |
| Tax Provision | 0.40 | 0.14 | 0.14 | 0.24 |
| Net Income | 1.45 | 0.72 | 0.64 | 1.24 |
| Net Margin % | 24.1% | 12.5% | 11.1% | 22.9% |
| Diluted EPS | $0.31 | $0.16 | $0.14 | $0.27 |
| Basic EPS | $0.31 | $0.16 | $0.14 | $0.27 |
| Basic Avg Shares | 4.6 | — | — | — |
| LTM | 12/31/25 | 12/31/24 | 12/31/23 | 12/31/22 | |
|---|---|---|---|---|---|
| Total Revenue | 22.91 | 22.02 | 21.84 | 19.84 | 18.03 |
| Revenue YoY % | 4.0% | 0.8% | 10.1% | 10.0% | — |
| Gross Profit | 7.89 | 7.03 | 7.18 | 6.79 | 8.98 |
| Gross Profit YoY % | 12.3% | (2.2%) | 5.8% | (24.4%) | — |
| Gross Margin % | 34.5% | 31.9% | 32.9% | 34.2% | 49.8% |
| SG&A | 22.71 | 22.70 | 22.25 | 22.35 | 21.86 |
| Interest Expense | 20.45 | 20.36 | 23.45 | 6.16 | 2.16 |
| Pretax Income | 4.97 | 4.81 | 8.38 | 11.29 | 6.51 |
| Tax Provision | 0.93 | 0.90 | (13.32) | 2.12 | (2.43) |
| Net Income | 4.05 | 3.91 | 21.70 | 9.17 | 8.94 |
| Net Margin % | 17.7% | 17.8% | 99.4% | 46.2% | 49.6% |
| Diluted EPS | $0.88 | $0.85 | $4.66 | $1.96 | $1.91 |
| Basic EPS | $0.88 | $0.85 | $4.66 | $1.96 | $1.91 |
| Diluted Avg Shares | — | 4.6 | 4.7 | 4.7 | — |
| Basic Avg Shares | 4.6 | 4.6 | 4.7 | 4.7 | 4.7 |
| 3/31/26 | 12/31/25 | 9/30/25 | 6/30/25 | |
|---|---|---|---|---|
| Cash & Equivalents | 57.39 | 19.58 | 41.90 | 18.38 |
| Net PPE | 17.21 | 17.39 | 17.77 | 18.11 |
| Intangible Assets | 0.40 | 0.41 | 0.43 | 0.45 |
| Other Assets | 713.26 | 689.74 | 697.98 | 724.41 |
| Total Assets | 788.26 | 727.12 | 758.07 | 761.34 |
| Other Liabilities | 686.87 | 626.45 | 658.06 | 664.83 |
| Total Liabilities | 686.87 | 626.45 | 658.06 | 664.83 |
| Retained Earnings | 60.19 | 58.74 | 58.85 | 58.21 |
| Total Equity | 101.39 | 100.67 | 100.01 | 96.51 |
| LTM | 12/31/25 | 12/31/24 | 12/31/23 | 12/31/22 | |
|---|---|---|---|---|---|
| Cash & Equivalents | 57.39 | 19.58 | 107.74 | 22.79 | 32.84 |
| Net PPE | 17.21 | 17.39 | 18.71 | 19.47 | 18.50 |
| Intangible Assets | 0.40 | 0.41 | 0.48 | 0.54 | 0.60 |
| Other Assets | 713.26 | 689.74 | 704.92 | 754.94 | 809.70 |
| Total Assets | 788.26 | 727.12 | 831.85 | 797.74 | 861.64 |
| Other Liabilities | 686.87 | 626.45 | 741.85 | 728.46 | 806.45 |
| Total Liabilities | 686.87 | 626.45 | 741.85 | 728.46 | 806.45 |
| Retained Earnings | 60.19 | 58.74 | 56.49 | 37.57 | 31.15 |
| Total Equity | 101.39 | 100.67 | 90.00 | 69.28 | 55.19 |
| 3/31/26 | 12/31/25 | 9/30/25 | 6/30/25 | |
|---|---|---|---|---|
| Net Income | 1.45 | 0.72 | 0.64 | 1.24 |
| D&A | 0.40 | 0.40 | 0.39 | 0.42 |
| Δ Working Cap & Other | (0.58) | 0.35 | (0.05) | (0.80) |
| Operating Cash Flow | 1.27 | 1.47 | 0.98 | 0.86 |
| CapEx | (0.23) | (0.02) | (0.05) | (0.21) |
| Other Investing | (24.19) | 9.42 | 29.31 | 30.81 |
| Investing Cash Flow | (24.42) | 9.39 | 29.27 | 30.60 |
| Dividends Paid | — | (0.83) | 0.00 | — |
| Other Financing | 60.96 | (32.35) | (6.74) | (108.51) |
| Financing Cash Flow | 60.96 | (33.18) | (6.74) | (108.51) |
| Free Cash Flow | 1.04 | 1.45 | 0.94 | 0.64 |
| LTM | 12/31/25 | 12/31/24 | 12/31/23 | 12/31/22 | |
|---|---|---|---|---|---|
| Net Income | 4.05 | 3.91 | 21.70 | 9.17 | 8.94 |
| D&A | 1.61 | 1.63 | 1.68 | 1.55 | 1.66 |
| Δ Working Cap & Other | (1.08) | (1.03) | (17.35) | (1.67) | (2.70) |
| Operating Cash Flow | 4.58 | 4.50 | 6.03 | 9.05 | 7.91 |
| CapEx | (0.51) | (0.30) | (0.98) | (2.54) | — |
| Other Investing | 45.35 | 24.80 | 68.98 | 64.92 | (104.23) |
| Investing Cash Flow | 44.84 | 24.50 | 68.01 | 62.38 | (104.23) |
| Stock Buyback | — | — | (0.79) | (0.21) | 0.00 |
| Dividends Paid | — | (1.66) | (2.04) | (2.47) | (0.89) |
| Other Financing | (87.46) | (115.50) | 13.74 | (78.79) | 80.05 |
| Financing Cash Flow | (87.46) | (117.16) | 10.91 | (81.47) | 79.16 |
| Free Cash Flow | 4.07 | 4.20 | 5.06 | 6.51 | — |
| 3/31/26 | 12/31/25 | 9/30/25 | 6/30/25 | |
|---|---|---|---|---|
| Current Ratio | — | — | — | — |
| Quick Ratio | — | — | — | — |
| Debt / Equity | 6.77 | 6.22 | 6.58 | 6.89 |
| EBITDA Margin % | — | — | — | — |
| Working Capital | — | — | — | — |
| Net Debt | — | — | — | — |
| ROE % | 1.4% | 0.7% | 0.6% | 1.3% |
| ROA % | 0.2% | 0.1% | 0.1% | 0.2% |
| LTM | 12/31/25 | 12/31/24 | 12/31/23 | 12/31/22 | |
|---|---|---|---|---|---|
| Current Ratio | — | — | — | — | — |
| Quick Ratio | — | — | — | — | — |
| Debt / Equity | 6.77 | 6.22 | 8.24 | 10.51 | 14.61 |
| EBITDA Margin % | — | — | — | — | — |
| Working Capital | — | — | — | — | — |
| Net Debt | — | — | — | — | — |
| ROE % | 4.0% | 3.9% | 24.1% | 13.2% | 16.2% |
| ROA % | 0.5% | 0.5% | 2.6% | 1.1% | 1.0% |
Insider activity (last 2 years)
| Date Filed | Reporter | Relationship | Trans. Date | Code | Shares | Price | Total Value |
|---|---|---|---|---|---|---|---|
| 2026-08-03 | Stilwell Joseph | 10% Owner | 2026-07-31 | P | 4,692 | $22.25 | $104,392 |
| 2026-08-03 | Stilwell Joseph | 10% Owner | 2026-07-31 | P | 37,966 | $22.25 | $844,702 |
| 2026-07-17 | Stilwell Joseph | 10% Owner | 2026-07-15 | P | 2,500 | $21.75 | $54,375 |
| 2026-07-14 | Stilwell Joseph | 10% Owner | 2026-07-13 | P | 200 | $21.50 | $4,300 |
| 2026-07-06 | Stilwell Joseph | 10% Owner | 2026-07-02 | P | 507 | $21.25 | $10,774 |
| 2026-07-06 | Stilwell Joseph | 10% Owner | 2026-07-01 | P | 2,150 | $21.25 | $45,688 |
| 2026-06-04 | Stilwell Joseph | 10% Owner | 2026-06-03 | P | 200 | $21.25 | $4,250 |
| 2026-05-29 | Swetman Andrew T | Officer (First Vice President), 10% Owner | 2026-05-29 | S | (2,000) | $21.25 | -$42,500 |
| 2026-05-29 | Sliman George J III | Director | 2026-05-29 | P | 2,000 | $21.25 | $42,500 |
| 2026-05-28 | Swetman Andrew T | Officer (First Vice President), 10% Owner | 2026-05-28 | S | (1,000) | $21.25 | -$21,250 |
| 2026-05-28 | Barnes Ronald G | Director | 2026-05-28 | P | 1,000 | $21.25 | $21,250 |
| 2026-05-27 | Stilwell Joseph | 10% Owner | 2026-05-26 | P | 1,717 | $21.25 | $36,486 |
| 2026-05-19 | Stilwell Joseph | 10% Owner | 2026-05-18 | P | 999 | $21.25 | $21,229 |
| 2026-05-13 | Stilwell Joseph | 10% Owner | 2026-05-12 | P | 500 | $21.25 | $10,627 |
| 2026-05-12 | Stilwell Joseph | 10% Owner | 2026-05-11 | P | 789 | $21.25 | $16,766 |
| 2026-05-11 | Stilwell Joseph | 10% Owner | 2026-05-08 | P | 2,212 | $21.25 | $47,005 |
| 2026-05-07 | Stilwell Joseph | 10% Owner | 2026-05-06 | P | 2,058 | $21.25 | $43,732 |
| 2026-05-05 | Stilwell Joseph | 10% Owner | 2026-05-04 | P | 500 | $21.50 | $10,748 |
| 2026-04-29 | SWETMAN CHEVIS | Officer (CEO/President), 10% Owner | 2026-04-29 | P | 2,500 | $21.50 | $53,750 |
| 2026-04-27 | Swetman Andrew T | Officer (First Vice President), 10% Owner | 2026-04-27 | S | (4,003) | $21.50 | -$86,064 |
| 2026-04-27 | Dennis Padrick D | Director | 2026-04-27 | P | 4,003 | $21.50 | $86,064 |
| 2026-04-27 | Stilwell Joseph | 10% Owner | 2026-04-24 | P | 620 | $21.50 | $13,330 |
| 2026-03-09 | Stilwell Joseph | 10% Owner | 2026-03-06 | P | 2,657 | $21.00 | $55,797 |
| 2026-02-19 | Stilwell Joseph | 10% Owner | 2026-02-18 | P | 594 | $21.25 | $12,622 |
| 2026-02-11 | SWETMAN CHEVIS | Officer (CEO/President), 10% Owner | 2025-12-31 | J | 2,262 | — | $0 |
| 2026-02-11 | SWETMAN CHEVIS | Officer (CEO/President), 10% Owner | 2025-12-31 | J | 2,888 | — | $0 |
| 2026-02-11 | Swetman Andrew T | Officer (Senior Vice President), 10% Owner | 2025-12-31 | J | 86 | — | $0 |
| 2026-02-11 | FULMER A WES | Officer (Executive Vice President) | 2025-12-31 | P | 160 | — | $0 |
| 2026-02-05 | Stilwell Joseph | 10% Owner | 2026-02-04 | P | 3,822 | $20.56 | $78,578 |
| 2026-02-04 | Stilwell Joseph | 10% Owner | 2026-02-03 | P | 32,700 | $20.50 | $670,350 |
| 2026-02-04 | Stilwell Joseph | 10% Owner | 2026-02-03 | P | 4,500 | $20.60 | $92,720 |
| 2026-01-30 | Stilwell Joseph | 10% Owner | 2026-01-29 | P | 292 | $20.73 | $6,053 |
| 2026-01-29 | Stilwell Joseph | 10% Owner | 2026-01-28 | P | 618 | $20.54 | $12,691 |
| 2026-01-26 | Stilwell Joseph | 10% Owner | 2026-01-23 | P | 1,840 | $20.50 | $37,720 |
| 2026-01-14 | Stilwell Joseph | 10% Owner | 2026-01-13 | P | 300 | $20.50 | $6,150 |
| 2026-01-12 | Stilwell Joseph | 10% Owner | 2026-01-09 | P | 500 | $20.50 | $10,250 |
| 2026-01-06 | Stilwell Joseph | 10% Owner | 2026-01-05 | P | 500 | $20.50 | $10,250 |
| 2026-01-05 | Stilwell Joseph | 10% Owner | 2026-01-02 | P | 1,652 | $20.50 | $33,866 |
| 2025-12-17 | Dennis Padrick D | Director | 2025-12-17 | P | 3,000 | $20.30 | $60,900 |
| 2025-12-10 | Stilwell Joseph | 10% Owner | 2025-12-08 | P | 100 | $20.20 | $2,020 |
| 2025-09-22 | Stilwell Joseph | 10% Owner | 2025-09-19 | P | 281 | $20.20 | $5,676 |
| 2025-09-18 | Stilwell Joseph | 10% Owner | 2025-09-17 | P | 3,000 | $20.20 | $60,600 |
| 2025-09-15 | Stilwell Joseph | 10% Owner | 2025-09-12 | P | 2,378 | $20.25 | $48,154 |
| 2025-09-12 | Stilwell Joseph | 10% Owner | 2025-09-11 | P | 1,000 | $20.20 | $20,200 |
| 2025-09-11 | Stilwell Joseph | 10% Owner | 2025-09-10 | P | 2,200 | $20.09 | $44,200 |
| 2025-05-29 | STILWELL JOSEPH | 10% Owner | 2025-05-28 | P | 2,500 | $19.50 | $48,750 |
| 2025-05-21 | STILWELL JOSEPH | 10% Owner | 2025-05-20 | P | 2,997 | $19.51 | $58,461 |
| 2025-04-24 | STILWELL JOSEPH | 10% Owner | 2025-04-23 | P | 500 | $20.40 | $10,199 |
| 2025-04-10 | STILWELL JOSEPH | 10% Owner | 2025-04-09 | P | 2,235 | $19.20 | $42,912 |
| 2025-04-07 | STILWELL JOSEPH | 10% Owner | 2025-04-04 | P | 5,000 | $19.25 | $96,250 |
| 2025-04-07 | STILWELL JOSEPH | 10% Owner | 2025-04-04 | P | 5,000 | $14.50 | $72,500 |
| 2025-03-25 | STILWELL JOSEPH | 10% Owner | 2025-03-24 | P | 534 | $19.25 | $10,280 |
| 2025-03-12 | STILWELL JOSEPH | 10% Owner | 2025-03-11 | P | 4,224 | $19.25 | $81,312 |
| 2025-03-07 | STILWELL JOSEPH | 10% Owner | 2025-03-06 | P | 5,000 | $19.25 | $96,250 |
| 2025-03-06 | STILWELL JOSEPH | 10% Owner | 2025-03-05 | P | 200 | $19.26 | $3,853 |
| 2025-03-04 | STILWELL JOSEPH | 10% Owner | 2025-03-03 | P | 3,000 | $19.25 | $57,750 |
| 2025-03-03 | STILWELL JOSEPH | 10% Owner | 2025-02-28 | P | 4,700 | $19.25 | $90,473 |
| 2025-02-26 | STILWELL JOSEPH | 10% Owner | 2025-02-25 | P | 1,047 | $19.00 | $19,893 |
| 2025-02-11 | SWETMAN CHEVIS | Officer (CEO/President) | 2024-12-31 | J | 3,508 | — | $0 |
| 2025-02-11 | SWETMAN CHEVIS | Officer (CEO/President) | 2024-12-31 | J | 2,506 | — | $0 |
| 2025-01-29 | Dennis Padrick D | Director | 2025-01-29 | P | 500 | $19.11 | $9,555 |
| 2025-01-27 | Swetman Andrew T | Officer (Senior Vice President) | 2024-12-31 | J | 119 | — | $0 |
| 2025-01-24 | Wild J Patrick | Officer (Second Vice President) | 2024-12-31 | J | 54 | — | $0 |
| 2025-01-24 | FULMER A WES | Officer (Executive Vice President) | 2024-12-31 | J | 221 | — | $0 |
| 2024-12-09 | Dennis Padrick D | Director | 2024-11-09 | P | 103 | $18.55 | $1,911 |
| 2024-11-25 | STILWELL JOSEPH | 10% Owner | 2024-11-22 | P | 600 | $18.00 | $10,800 |
| 2024-11-15 | STILWELL JOSEPH | 10% Owner | 2024-11-14 | P | 5,000 | $18.00 | $90,000 |
| 2024-11-04 | STILWELL JOSEPH | 10% Owner | 2024-11-01 | P | 1,500 | $18.00 | $27,000 |
| 2024-11-01 | SWETMAN CHEVIS | Director, Officer (CEO/President) | 2024-11-01 | P | 16,883 | $17.75 | $299,673 |
| 2024-09-25 | STILWELL JOSEPH | 10% Owner | 2024-09-24 | P | 19,112 | $17.20 | $328,726 |
| 2024-08-08 | STILWELL JOSEPH | 10% Owner | 2024-08-07 | P | 5,100 | $16.84 | $85,908 |
| 2024-08-05 | STILWELL JOSEPH | 10% Owner | 2024-08-02 | P | 100 | $17.09 | $1,710 |