Peoples Financial Corp /Ms/ - Understand $pfbx stock

$PFBX Market Cap: $83.96 Million

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Financial Snapshot

Revenue

Gross Margin

Net Earnings

$21.90M

TTM

Current Assets

Current Liabilities

$30.00M

Q3 2024

Current Ratio

Total Assets

$814.2M

Q3 2024

Total Liabilities

$717.8M

Q3 2024

Book Value

$96.39M

Q3 2024

Cash

$42.25M

Q3 2024

P/E

3.834

Nov 27, 2024 EST

Free Cash Flow

$5.408M

TTM

Revenues

Revenue YoY Change

Revenues

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994
Revenue
YoY Change

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994
Revenue
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization	$1.551M	$1.664M	$1.824M	$1.954M	$1.914M	$1.964M	$1.914M	$1.823M	$1.754M	$1.817M	$1.750M	$2.048M	$2.210M	$2.350M	$2.390M	$2.450M	$1.710M	$1.610M	$1.470M	$1.450M	$1.680M	$1.840M	$1.870M	$1.830M	$1.660M	$1.580M	$1.380M	$1.320M	$1.300M	$1.360M
YoY Change	-6.79%	-8.77%	-6.65%	2.09%	-2.55%	2.61%	4.99%	3.93%	-3.47%	3.83%	-14.55%	-7.33%	-5.96%	-1.67%	-2.45%	43.27%	6.21%	9.52%	1.38%	-13.69%	-8.7%	-1.6%	2.19%	10.24%	5.06%	14.49%	4.55%	1.54%	-4.41%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011
Interest Expense	$6.155M	$2.158M	$830.0K	$1.581M	$3.246M	$2.658M	$1.423M	$1.025M	$875.0K	$1.441M	$1.447M	$2.067M	$3.178M
YoY Change	185.22%	160.0%	-47.5%	-51.29%	22.12%	86.79%	38.83%	17.14%	-39.28%	-0.41%	-30.0%	-34.96%
% of Operating Profit
Other Income/Expense, Net	$1.897M	$1.564M	$1.718M	$1.542M	$1.975M	$1.973M	$1.873M	$1.689M	$2.098M	$1.890M	$1.876M	$1.813M	$1.709M
YoY Change	21.29%	-8.96%	11.41%	-21.92%	0.1%	5.34%	10.89%	-19.49%	11.01%	0.75%	3.47%	6.09%

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994
Pretax Income	$11.29M	$6.510M	$8.641M	-$2.751M	$1.679M	$593.0K	$1.678M	$245.0K	-$5.354M	-$5.278M	-$2.739M	$2.549M	-$1.000K	$760.0K	$4.170M	$7.010M	$16.07M	$19.23M	$7.950M	$7.830M	$7.050M	$3.880M	$5.080M	$6.700M	$9.210M	$13.38M	$9.460M	$9.140M	$9.820M	$8.460M
YoY Change	73.38%	-24.66%	-414.1%	-263.85%	183.14%	-64.66%	584.9%	-104.58%	1.44%	92.7%	-207.45%	-255000.0%	-100.13%	-81.77%	-40.51%	-56.38%	-16.43%	141.89%	1.53%	11.06%	81.7%	-23.62%	-24.18%	-27.25%	-31.17%	41.44%	3.5%	-6.92%	16.08%
Income Tax	$2.121M	-$2.431M	$62.00K	$0.00	$0.00	-$36.00K	-$1.080M	$78.00K	-$762.0K	$4.726M	-$2.201M	-$92.00K	-$1.204M	-$720.0K	$950.0K	$1.980M	$5.040M	$6.460M	$2.600M	$2.030M	$2.040M	$690.0K	$1.080M	$2.070M	$2.960M	$4.590M	$3.090M	$2.990M	$3.150M	$2.840M
% Of Pretax Income	18.79%	-37.34%	0.72%		0.0%	-6.07%	-64.36%	31.84%				-3.61%		-94.74%	22.78%	28.25%	31.36%	33.59%	32.7%	25.93%	28.94%	17.78%	21.26%	30.9%	32.14%	34.3%	32.66%	32.71%	32.08%	33.57%
Net Earnings	$9.166M	$8.941M	$8.579M	-$2.751M	$1.679M	$629.0K	$2.758M	$167.0K	-$4.592M	-$10.00M	-$538.0K	$2.641M	$1.203M	$1.480M	$3.220M	$5.030M	$11.02M	$12.77M	$5.880M	$5.800M	$5.020M	$3.190M	$4.000M	$4.640M	$6.250M	$8.790M	$6.370M	$6.150M	$6.670M	$5.620M
YoY Change	2.52%	4.22%	-411.85%	-263.85%	166.93%	-77.19%	1551.5%	-103.64%	-54.1%	1759.48%	-120.37%	119.53%	-18.72%	-54.04%	-35.98%	-54.36%	-13.7%	117.18%	1.38%	15.54%	57.37%	-20.25%	-13.79%	-25.76%	-28.9%	37.99%	3.58%	-7.8%	18.68%
Net Earnings / Revenue
Basic Earnings Per Share	$1.96	$1.91	$1.84	-$0.52
Diluted Earnings Per Share	$1.96	$1.91	$1.773M	-$562.4K	$340.1K	$125.2K	$539.1K	$33.20K	-$896.5K	-$1.953M	-$105.3K	$513.6K	$233.5K	$287.4K	$622.8K	$941.9K	$2.007M	$2.301M	$1.059M	$1.043M	$902.9K	$569.6K	$710.5K	$791.8K	$1.058M	$1.487M	$1.078M	$1.041M	$1.129M	$950.9K

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment	$19.47M	$18.50M	$15.80M	$15.70M	$17.40M	$18.90M	$20.20M	$21.60M	$22.40M	$23.80M	$25.30M	$26.20M	$28.00M	$29.80M	$31.40M	$33.60M	$34.40M	$19.70M	$17.90M	$18.00M	$18.00M	$17.10M	$18.10M	$18.30M	$17.00M	$15.90M	$9.400M	$8.600M	$8.800M	$8.600M
YoY Change	5.25%	17.08%	0.64%	-9.77%	-7.94%	-6.44%	-6.48%	-3.57%	-5.88%	-5.93%	-3.44%	-6.43%	-6.04%	-5.1%	-6.55%	-2.33%	74.62%	10.06%	-0.56%	0.0%	5.26%	-5.52%	-1.09%	7.65%	6.92%	69.15%	9.3%	-2.27%	2.33%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets	$756.0K	$2.446M	$0.00	$0.00	$0.00		$0.00	$0.00	$0.00		$8.100M
YoY Change	-69.09%
Total Long-Term Assets
YoY Change
Total Assets	$797.7M	$861.6M	$818.8M	$668.0M	$594.7M	$616.8M	$650.4M	$688.0M	$641.0M	$668.9M	$762.3M	$804.9M	$804.2M	$786.5M	$869.0M	$896.4M	$927.4M	$964.0M	$845.3M	$577.4M	$579.7M	$553.7M	$587.0M	$587.2M	$538.0M	$488.2M	$441.8M	$448.1M	$446.3M	$415.0M
YoY Change
Accounts Payable																						$300.0K	$600.0K	$1.000M	$800.0K	$900.0K	$700.0K	$1.000M	$1.100M	$500.0K
YoY Change																						-50.0%	-40.0%	25.0%	-11.11%	28.57%	-30.0%	-9.09%	120.0%
Accrued Expenses
YoY Change
Deferred Revenue
YoY Change
Short-Term Debt											$139.6M	$194.2M	$157.6M	$140.1M	$174.4M	$226.6M	$231.2M	$226.0M	$149.3M	$87.30M	$95.00M	$67.20M	$82.50M	$65.30M	$60.80M	$28.10M	$0.00	$16.50M	$12.20M	$15.90M
YoY Change											-28.12%	23.22%	12.49%	-19.67%	-23.04%	-1.99%	2.3%	51.37%	71.02%	-8.11%	41.37%	-18.55%	26.34%	7.4%	116.37%		-100.0%	35.25%	-23.27%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities											$139.6M	$194.2M	$157.6M	$140.1M	$174.4M	$226.6M	$231.2M	$226.0M	$149.3M	$87.30M	$95.00M	$300.0K	$600.0K	$1.000M	$800.0K	$900.0K	$700.0K	$1.000M	$1.100M	$500.0K
YoY Change											-28.12%	23.22%	12.49%	-19.67%	-23.04%	-1.99%	2.3%	51.37%	71.02%	-8.11%	31566.67%	-50.0%	-40.0%	25.0%	-11.11%	28.57%	-30.0%	-9.09%	120.0%
Long-Term Debt	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$100.0K	$300.0K	$300.0K	$300.0K	$300.0K	$200.0K	$200.0K	$200.0K	$400.0K	$600.0K
YoY Change																				-100.0%	-66.67%	0.0%	0.0%	0.0%	50.0%	0.0%	0.0%	-50.0%	-33.33%
Other Long-Term Liabilities	$21.47M	$20.67M	$21.50M	$21.70M	$19.90M	$20.20M	$20.20M	$18.30M	$18.00M	$18.30M	$17.20M	$16.30M	$15.30M	$18.00M	$16.00M	$15.40M	$13.40M	$19.30M	$9.000M	$8.000M	$7.200M	$6.000M	$5.400M	$5.000M	$3.600M	$3.800M	$2.500M	$1.900M	$1.800M	$1.400M
YoY Change	3.87%	-3.88%	-0.92%	9.05%	-1.49%	0.0%	10.38%	1.67%	-1.64%	6.4%	5.52%	6.54%	-15.0%	12.5%	3.9%	14.93%	-30.57%	114.44%	12.5%	11.11%	20.0%	11.11%	8.0%	38.89%	-5.26%	52.0%	31.58%	5.56%	28.57%
Total Long-Term Liabilities	$21.47M	$20.67M	$21.50M	$21.70M	$19.90M	$20.20M	$20.20M	$18.30M	$18.00M	$18.30M	$17.20M	$16.30M	$15.30M	$18.00M	$16.00M	$15.40M	$13.40M	$19.30M	$9.000M	$8.000M	$7.300M	$6.300M	$5.700M	$5.300M	$3.900M	$4.000M	$2.700M	$2.100M	$2.200M	$2.000M
YoY Change	3.87%	-3.88%	-0.92%	9.05%	-1.49%	0.0%	10.38%	1.67%	-1.64%	6.4%	5.52%	6.54%	-15.0%	12.5%	3.9%	14.93%	-30.57%	114.44%	12.5%	9.59%	15.87%	10.53%	7.55%	35.9%	-2.5%	48.15%	28.57%	-4.55%	10.0%
Total Liabilities	$728.5M	$806.4M	$727.2M	$573.2M	$499.6M	$529.9M	$560.9M	$599.6M	$549.2M	$573.9M	$663.1M	$694.2M	$694.7M	$685.2M	$765.4M	$789.4M	$820.8M	$865.8M	$757.8M	$491.6M	$496.2M	$471.9M	$506.9M	$508.5M	$460.2M	$414.6M	$376.0M	$387.8M	$391.7M	$366.5M
YoY Change	-9.67%	10.9%	26.87%	14.73%	-5.72%	-5.53%	-6.45%	9.18%	-4.3%	-13.45%	-4.48%	-0.07%	1.39%	-10.48%	-3.04%	-3.83%	-5.2%	14.25%	54.15%	-0.93%	5.15%	-6.9%	-0.31%	10.5%	11.0%	10.27%	-3.04%	-1.0%	6.88%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2023	2022	2021	2020
Basic Shares Outstanding	4.675M	4.678M	4.844M	4.893M
Diluted Shares Outstanding
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Stock Price

Market Cap: $83.957 Million

About PEOPLES FINANCIAL CORP /MS/

Peoples Financial Corp. is a bank holding company, which engages in the provision of banking and financial services. The company is headquartered in Biloxi, Mississippi and currently employs 137 full-time employees. The company went IPO on 2000-05-10. The Bank offers a variety of services to individuals and small to middle market businesses within its trade area. The Bank’s primary lending focus is to offer business, commercial, real estate, construction, personal and installment loans, with an emphasis on commercial lending. Its deposit services include interest bearing and non-interest-bearing checking accounts, savings accounts, certificates of deposit, and individual retirement account (IRA) accounts. The Bank generally provides depository accounts to individuals; small and middle market businesses; and state, county, and local government entities in its trade area at interest rates consistent with market conditions. The Bank also offers a variety of other services including safe deposit box rental, wire transfer services, and night drop facilities.

Industry: State Commercial Banks Peers: FIRST RELIANCE BANCSHARES INC JUNIATA VALLEY FINANCIAL CORP LINKBANCORP, Inc. PNC FINANCIAL SERVICES GROUP, INC. POTOMAC BANCSHARES INC