Start here if you're new
what it is
Peoples Financial runs a community bank on the Mississippi Gulf Coast, making money from loans, deposits, and basic banking services.
how it gets paid
Last year Peoples Financial made $23M in revenue. commercial and business lending was the main engine at $8.1M, or 35% of sales.
what just happened
Latest quarter revenue near ~$6M fits a ~$23M FY pace; ignore $16M / +243% vs. prior year scraps—they do not foot to the annual bridge below.
At a glance
B+ balance sheet — decent shape, but not bulletproof
25/100 earnings predictability — expect surprises
20.1x trailing p/e — priced about right
1.7% dividend yield — cash in your pocket every quarter
$4.66 fy2024 eps est
xvary composite: 55/100 — below average
What they do
Peoples Financial runs a community bank on the Mississippi Gulf Coast, making money from loans, deposits, and basic banking services.
This bank wins the old-fashioned way. It has 17 branches and $846 million in assets on one coast it knows well. If you want a local lender for your business, real estate project, or municipal account, proximity still matters, and that local grip helps a 131-employee bank punch above its size.
How they make money
$23M
annual revenue
commercial and business lending
$8.1M
real estate and construction lending
$6.0M
personal and installment lending
$2.6M
deposit account services
$4.8M
other banking services
$1.5M
The products that matter
business lending and deposits
Commercial Banking
core earnings engine
this is the center of a $23M revenue bank, and the latest quarter ended with net income down to $2.33M from $2.91M. if the core book does not stabilize, nothing else on the page matters much.
core profit source
retail deposits and consumer loans
Consumer Banking
local funding base
at a $97M market cap and a $23M revenue base, every local customer relationship matters more than it would at a larger bank. in plain English: deposit discipline is not a side issue here. it is the model.
deposit base matters
wealth and estate administration
Trust Services
fee income support
helpful, but still small. non-interest income across the whole bank is only $4.6M, which tells you fee revenue is a buffer, not a backup plan.
small buffer
Key numbers
$4.66
fy2024 eps
That is the full-year profit per share estimate for 2024. Plain English: the bank just earned a lot relative to its stock price, but one quarter did most of the work.
$846M
bank assets
Assets are the bank's balance-sheet size. Plain English: this is a small institution, but it is still handling nearly nine times its market value in assets.
0.35
beta
Beta measures stock volatility. Plain English: this stock has moved much less than the broader market, which fits a sleepy community bank.
1.7%
dividend yield
Dividend yield is your cash payout from owning the stock. Plain English: you are not buying this for income alone.
Financial health
B+
strength
- balance sheet grade B+ — solid but not elite
- risk rank 3 — safer than 50% of stocks
- price stability 85 / 100
B+ — functional but not a standout on the balance sheet.
Total return vs. market
Return history isn't available for PFBX right now.
source: institutional data · return history unavailable
What just happened
latest quarter improved
Latest quarter revenue near ~$6M; full-year 2024 EPS reached $4.66 with heavy Q3 weighting.
Q3 2024 contributed about $3.31 of the $4.66 FY EPS; Q4 was ~$0.33. The KPI row uses ~$6M revenue for the quarter shown—do not mix it with old $16M / +243% headline errors.
$6M
revenue
~$0.33
Q4 2024 eps (example)
n/a
n/a
the number that mattered
The number that mattered was $3.31 in Q3 2024 EPS, because it made up about 71% of the full-year $4.66.
source: EDGAR filings and company results, 2024
Get this snapshot in your inbox
This page, delivered free — plus weekly updates when the numbers change. plain english, no spam.
weekly updates
earnings alerts
plain english
no spam
What could go wrong
the #1 risk is an activist proxy fight colliding with weaker profitability at a $97M Mississippi bank with only $23M of annual revenue.
med
proxy contest and board turnover
The contested director election is set for 2026-04-22. If control shifts before operations improve, strategy changes can arrive faster than earnings repair.
The immediate risk is not theoretical. It has a date.
med
falling profitability
Q2 2024 net income fell to $2.33M from $2.91M. When the business earns less and the stock still trades at 20.1x trailing earnings, the room for disappointment gets thin.
A $580K quarterly profit drop matters more when the whole company is worth $97M.
med
rate sensitivity and revenue concentration
About $18.4M of the bank's $23M revenue comes from net interest income. That's 80% tied to the basic lending spread, which leaves limited diversification if deposit costs rise or loan yields stall.
One revenue engine means fewer places to hide.
med
ownership concentration
Joseph Stilwell owns about 10% and kept buying, including 2,657 shares in 2026-03. Aligned owners can help, but one shareholder can also dominate the conversation in a thinly followed stock.
Influence is more concentrated here than it would be at a large regional bank.
With $23M of annual revenue, $18.4M tied to net interest income, and the latest quarter producing $2.33M of profit, PFBX does not have much room for a long board fight and sliding earnings at the same time.
source: institutional data · regulatory filings · risk analysis
Pay attention to
calendar
proxy vote on 2026-04-22
this is the immediate catalyst. if the activist gains more influence, the stock starts trading on what changes next, not what management says now.
metric
quarterly net income
$2.33M was the latest reported number. if that does not recover toward $2.91M, the premium multiple loses its case.
risk
stilwell's next filing
a 10% owner adding 2,657 shares matters here. more buying, more letters, or more nominees would raise the temperature.
trend
interest income mix
with 80% of revenue tied to net interest income, you want to see the core spread business stabilize rather than become even more concentrated.
Analyst rankings
earnings predictability
25 / 100
low visibility. in human-speak, you should not expect smooth or boring quarters.
risk rank
3
middle of the pack. safer than some micro-caps, but this is not where you hide from uncertainty.
price stability
85 / 100
the stock has been steadier than the fundamentals. that calm usually lasts right until the story gets louder.
source: institutional data
Institutional activity
institutional ownership data for PFBX is being compiled.
source: institutional data
Price targets
3-5 year target range
n/a
n/a
$20
current price
n/a
target midpoint · n/a from current
Want the deeper analysis?
The full deep dive: dcf model, scenario analysis, competitive moat breakdown, and quarterly tracking — everything on this page, taken further.
see plans from $5/moThe deep dive