Peoples Financial Corporation
Peoples Financial Corporation Fundamental Analysis
Peoples Financial Corporation (PFBX) shows weak financial fundamentals with a PE ratio of 25.09, profit margin of 15.51%, and ROE of 4.13%. The company generates $0.0B in annual revenue with weak year-over-year growth of -30.27%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 7.0/100 based on profitability, valuation, growth, and balance sheet metrics. The F grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze PFBX's fundamental strength across five key dimensions:
Efficiency Score
WeakPFBX struggles to generate sufficient returns from assets.
Valuation Score
ModeratePFBX shows balanced valuation metrics.
Growth Score
WeakPFBX faces weak or negative growth trends.
Financial Health Score
ModeratePFBX shows balanced financial health with some risks.
Profitability Score
ModeratePFBX maintains healthy but balanced margins.
Key Financial Metrics
Is PFBX Expensive or Cheap?
P/E Ratio
PFBX trades at 25.09 times earnings. This indicates a fair valuation.
PEG Ratio
When adjusting for growth, PFBX's PEG of -0.31 indicates potential undervaluation.
Price to Book
The market values Peoples Financial Corporation at 1.01 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 19.52 times EBITDA. This signals the market has high growth expectations.
How Well Does PFBX Make Money?
Net Profit Margin
For every $100 in sales, Peoples Financial Corporation keeps $15.51 as profit after all expenses.
Operating Margin
Core operations generate 19.07 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $4.13 in profit for every $100 of shareholder equity.
ROA
Peoples Financial Corporation generates $0.55 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Peoples Financial Corporation produces operating cash flow of $4.50M, showing steady but balanced cash generation.
Free Cash Flow
Peoples Financial Corporation generates strong free cash flow of $4.20M, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $0.91 in free cash annually.
FCF Yield
PFBX converts 4.14% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
25.09
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
-0.31
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.009
vs 25 benchmark
P/S Ratio
Price to sales ratio
3.89
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.008
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.04
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.04
vs 25 benchmark
ROA
Return on assets percentage
0.006
vs 25 benchmark
ROCE
Return on capital employed
0.04
vs 25 benchmark
How PFBX Stacks Against Its Sector Peers
| Metric | PFBX Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 25.09 | 19.02 | Worse (Expensive) |
| ROE | 4.13% | 818.00% | Weak |
| Net Margin | 15.51% | 1593.00% | Weak |
| Debt/Equity | 0.01 | 0.99 | Strong (Low Leverage) |
| Current Ratio | 0.04 | 669.82 | Weak Liquidity |
| ROA | 0.55% | -24701.00% (disorted) | Weak |
PFBX outperforms its industry in 1 out of 6 key metrics, but lagging in P/E Ratio.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Peoples Financial Corporation's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
12.55%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
262.02%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
-19.42%
Industry Style: Value, Dividend, Cyclical
Declining