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Home CompaniesPeoples Financial Corp

Peoples Financial Corp

Financial Services Banks - Regional
PortfolioPortfolio WatchlistWatchlist
Company price
23.53 USD 0.00(0%)
Last update at 2026-11-11T21:00:00Z
VOLUME
25
Market Cap
79.44M
P/E
6.32

Momentum Score

…

Peoples Financial Corporation operates as the bank holding company for The Peoples Bank that provides banking, financial, and trust services to government entities, individuals, and small and commercial businesses in Mississippi. It accepts various deposits, such as interest and non-interest-bearing checking accounts, savings accounts, certificates of deposit, and individual retirement accounts (IRAs). The company also offers business, commercial, real estate, construction, personal, and installment loans; and personal trust, agencies, and estate services, including living and testamentary trusts, executorships, guardianships, and conservatorships. In addition, it provides self-directed IRAs; and escrow management, stock transfer, and bond paying agency accounts to corporate customers. Further, the company offers various other services consisting of safe deposit box rental, wire transfer, night drop facilities, collection, cash management, and Internet banking services. The company was founded in 1896 and is headquartered in Biloxi, Mississippi.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
23.53
Low
24.00
High
52 Week Price Range
11.50
Low
17.00
High

Momentum Score

…
Loading momentum score…

A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High

Key Metrics*

Previous Close
23.53
Dividend Yield
1.76%
Revenue TTM
33.95M
Revenue Per Share
7.26
Gross Profit TTM
28.36M
Debt / Equity
-
ROE
23.57%
Net Debt
18.95M
ROCE
8.58%
Diluted EPS TTM
2.69

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Income before tax 6.51M 8.64M -2.75M 1.68M 0.59M
Minority interest - - - - 0.00M
Net income 8.94M 8.58M -2.75M 1.68M 0.63M
Selling general administrative 21.86M 12.81M 21.73M 22.37M 22.48M
Gross profit 28.36M - 18.98M 24.05M 23.07M
Reconciled depreciation 1.69M 1.82M 1.95M 1.91M 1.96M
Ebit 6.51M - -2.75M 1.51M 0.59M
Non operating income net other - - - -0.17M 0.00M
Operating income 6.51M - -2.75M 1.68M 0.59M
Other operating expenses 5.48M 6.80M 5.96M 5.87M 5.89M
Interest expense 2.16M 0.83M 1.58M 3.25M 2.66M
Tax provision -2.43M 0.06M - - -0.04M
Interest income 21.55M 19.46M 17.73M 20.93M 19.75M
Net interest income 21.55M 19.46M 17.73M 17.68M 17.09M
Extraordinary items - - - - 0.00M
Non recurring - - - - 0.00M
Other items - - - - 0.00M
Income tax expense -2.43M 0.06M - - -0.04M
Total revenue 28.36M 25.93M 18.98M 24.05M 23.07M
Total operating expenses 21.86M - 21.73M 22.37M 22.48M
Cost of revenue - - - - 0.00M
Total other income expense net - - - - 0.00M
Discontinued operations - - - - 0.00M
Net income from continuing ops 8.94M 8.58M -2.75M 1.68M 0.63M
Net income applicable to common shares 8.94M 8.91M -2.75M 1.68M 0.63M
Preferred stock and other adjustments - - - - 0.00M
Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Total assets 861.64M 818.81M 668.03M 594.70M 616.79M
Intangible assets 0.60M - - - 0.00M
Other current assets 3.27M 2.84M 2.12M 2.07M 2.48M
Total liab 806.45M 727.22M 573.16M 499.58M 529.85M
Total stockholder equity 55.19M 91.59M 94.87M 95.12M 86.93M
Deferred long term liab - - - - 0.00M
Other current liab 785.78M - 550.50M 476.14M 473.51M
Common stock 4.68M 4.68M 4.88M 4.94M 4.94M
Capital stock 4.68M 4.68M 4.88M 4.94M 4.94M
Retained earnings 31.15M 23.10M 18.34M 21.86M 20.32M
Other liab 20.66M 21.49M 21.69M 19.91M 20.20M
Good will - - - - 0.00M
Other assets 258.26M 256.72M 294.67M 285.40M 288.23M
Cash 35.01M 49.99M 93.69M 31.55M 19.26M
Total current liabilities 785.78M 704.84M 550.50M 476.14M 473.51M
Net debt - - - - 18.95M
Short term debt - - - 2.50M 0.00M
Short long term debt - - - 2.50M 35.00M
Other stockholder equity -46.42M -1.83M 5.87M 2.54M -4.11M
Property plant equipment 18.76M 17.99M 15.68M 17.42M 27.82M
Total current assets 38.28M 54.72M 95.79M 33.24M 243.33M
Long term investments 780.27M 489.42M 532.41M 515.93M 325.42M
Net tangible assets 54.59M 91.73M 94.87M 95.12M 86.93M
Short term investments 350.17M 376.80M 180.13M 196.31M 222.11M
Net receivables 3.27M 2.84M 2.10M 1.69M 1.96M
Long term debt - 0.89M 0.97M 3.53M 36.14M
Inventory 0.26M 1.89M 3.48M 7.45M 8.94M
Accounts payable 785.78M 704.84M 550.50M 476.14M 473.51M
Total permanent equity - - - - 0.00M
Noncontrolling interest in consolidated entity - - - - 0.00M
Temporary equity redeemable noncontrolling interests - - - - 0.00M
Accumulated other comprehensive income - - - - 0.00M
Additional paid in capital - - - - 0.00M
Common stock total equity 4.68M - 4.88M 4.94M 4.94M
Preferred stock total equity - - - - 0.00M
Retained earnings total equity 31.15M - 18.34M 21.86M 20.32M
Treasury stock - - - - 0.00M
Accumulated amortization - - - - 0.00M
Non currrent assets other 23.72M - 20.68M 20.66M 20.22M
Deferred long term asset charges - - - - 0.00M
Non current assets total 823.35M - 568.76M 554.01M 373.46M
Capital lease obligations - - - - 0.00M
Long term debt total - - - - 0.00M
Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Investments -102.82M -239.57M -19.32M 35.62M 18.33M
Change to liabilities 0.18M 0.00M 1.42M 0.10M 0.51M
Total cashflows from investing activities -104.23M -196.25M -14.77M 38.21M 20.76M
Net borrowings -0.89M -0.08M -2.56M -32.62M 24.94M
Total cash from financing activities 79.16M 150.11M 70.97M -30.13M -33.13M
Change to operating activities -0.05M -0.52M 1.16M -0.24M -0.01M
Net income 8.94M 8.91M -2.75M 1.68M 0.63M
Change in cash -17.16M -41.55M 62.12M 12.23M -8.09M
Begin period cash flow 49.99M 91.54M 29.42M 17.19M 25.28M
End period cash flow 32.84M 49.99M 91.54M 29.42M 17.19M
Total cash from operating activities 7.91M 4.58M 5.92M 4.15M 4.27M
Depreciation 1.69M 1.68M 1.95M 1.91M 1.96M
Other cashflows from investing activities 1.39M -0.11M 4.99M 3.04M 3.13M
Dividends paid 0.89M 0.77M 0.10M 0.15M 0.10M
Change to inventory - - - - 0.00M
Change to account receivables -0.43M -0.74M -0.41M 0.27M -0.05M
Sale purchase of stock - -3.38M -0.73M - -1.91M
Other cashflows from financing activities 80.94M 154.34M 74.36M 2.64M -56.06M
Change to netincome -2.74M -4.75M 6.01M -0.22M 0.73M
Capital expenditures 2.79M 1.94M 0.44M 0.46M 0.69M
Change receivables -0.43M - -0.41M 0.27M -0.05M
Cash flows other operating 0.27M - -0.31M 0.40M 0.50M
Exchange rate changes - - - - 0.00M
Cash and cash equivalents changes -17.16M - 62.12M 12.23M -8.09M
Change in working capital -2.48M -0.82M 1.23M 0.47M 0.40M
Other non cash items -0.53M -0.72M -0.60M -0.83M -0.43M
Free cash flow 5.74M 2.64M 5.48M 3.69M 3.58M

Peer Comparison*

Sector: Financial Services Industry: Banks - Regional

Stock Name
Change
(USD)
Price
(USD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
PFBX
Peoples Financial Corp		 -
-%		 23.53 6.32 - 1.98 1.13
DBSDY
DBS Group Holdings Ltd ADR		 -0.76
0.34%		 219.92 20.00 17.57 7.54 3.17
CIHHF
China Merchants Bank Co Ltd Class H		 -
-%		 6.62 7.70 7.10 0.55 0.83
CIHKY
China Merchants Bank Co Ltd		 0.28
0.82%		 34.49 7.79 7.20 0.55 0.85
UNCFF
UniCredit SpA		 -0.46
0.49%		 92.86 11.53 10.27 5.72 1.83

Profile*

Peoples Financial Corp

Peoples Financial Corporation operates as the bank holding company for The Peoples Bank that provides banking, financial, and trust services to government entities, individuals, and small and commercial businesses in Mississippi. It accepts various deposits, such as interest and non-interest-bearing checking accounts, savings accounts, certificates of deposit, and individual retirement accounts (IRAs). The company also offers business, commercial, real estate, construction, personal, and installment loans; and personal trust, agencies, and estate services, including living and testamentary trusts, executorships, guardianships, and conservatorships. In addition, it provides self-directed IRAs; and escrow management, stock transfer, and bond paying agency accounts to corporate customers. Further, the company offers various other services consisting of safe deposit box rental, wire transfer, night drop facilities, collection, cash management, and Internet banking services. The company was founded in 1896 and is headquartered in Biloxi, Mississippi.

Lameuse and Howard Avenues, Biloxi, MS, United States, 39533

228 435 5511

https://www.thepeoples.com

132

Name Title Year Born
Mr. Chevis C. Swetman Chairman, Pres & CEO 1949
Mr. A. Wes Fulmer Exec. VP 1959
Ms. Leslie B. Fulton CPA CFO & Controller NA
Mr. Andrew Tanner Swetman Sr. VP & COO 1979
Mr. Brian J. Kozlowski Sr. VP, Chief Admin. Officer, VP & Sec. 1963
Ms. Karen Arguelles VP of Commercial Lending NA

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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