PFBX · Peoples Financial Corp /Ms/ - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | - | - |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - | - | - | - | - |
| D&A | $402.0K | - | - | - | $420.0K | - | - | - | $402.0K | - |
| Operating Income | $1.85M | - | $786.0K | $1.49M | $1.69M | - | $1.33M | $2.10M | $3.05M | - |
| Interest Expense | - | - | - | - | - | - | - | - | $2.24M | - |
| Income Tax | $402.0K | - | $143.0K | $245.0K | $375.0K | - | ($14.10M) | ($229.0K) | $631.0K | - |
| Net Income | $1.45M | - | $643.0K | $1.24M | $1.31M | - | $15.43M | $2.33M | $2.42M | - |
| EPS - Basic | $0.31 | - | $0.14 | $0.27 | $0.28 | - | $3.31 | $0.50 | $0.52 | - |
| EPS - Diluted | $0.31 | - | $0.14 | $0.50 | $0.52 | - | $3.31 | - | - | - |
Balance Sheet
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $57.39M | $19.58M | $41.90M | $18.38M | $95.43M | $107.74M | $42.25M | $17.53M | $108.12M | $22.79M |
| Accounts Receivable | - | - | - | - | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - | - | - | - | - |
| Total Assets | $788.26M | $727.12M | $758.07M | $761.34M | $866.61M | $831.85M | $814.15M | $846.75M | $932.60M | $797.74M |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - |
| Long-term Debt | - | - | - | - | - | - | - | - | - | - |
| Total Liabilities | $686.87M | $626.45M | $658.06M | $664.83M | $772.16M | $741.85M | $717.76M | $772.55M | $861.94M | $728.46M |
| Stockholders' Equity | $101.39M | $100.67M | $100.01M | $96.51M | $94.45M | $90.00M | $96.39M | $74.20M | $70.66M | $69.28M |
| Retained Earnings | $60.19M | $58.74M | $58.85M | $58.21M | $57.80M | $56.49M | $56.91M | $41.48M | $39.99M | $37.57M |
Cash Flow
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $1.27M | - | - | - | $1.19M | - | - | - | $1.14M | - |
| Investing Cash Flow | ($24.42M) | - | - | - | ($44.76M) | - | - | - | ($50.32M) | - |
| Financing Cash Flow | $60.96M | - | - | - | $31.26M | - | - | - | $134.51M | - |
| CapEx | $230.0K | - | - | - | $552.0K | - | - | - | - | - |
| Free Cash Flow | $1.04M | - | - | - | $639.0K | - | - | - | - | - |
Ratios
| Metric | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||
| Gross margin | - | - | - | - | - | - | - | - | - | - |
| Operating margin | - | - | - | - | - | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - | - | - | - | - | - |
| Net margin | - | - | - | - | - | - | - | - | - | - |
| Free cash flow margin | - | - | - | - | - | - | - | - | - | - |
| FCF / Net income | 0.72 | - | - | - | 0.49 | - | - | - | - | - |
| R&D / Revenue | - | - | - | - | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - | - | - | - | - |
| Effective tax rate | 21.8% | - | 18.2% | 16.5% | 22.3% | - | -1056.7% | -10.9% | 20.7% | - |
| Return on assets | 0.2% | - | 0.1% | 0.2% | 0.2% | - | 1.9% | 0.3% | 0.3% | - |
| Return on equity | 1.4% | - | 0.6% | 1.3% | 1.4% | - | 16.0% | 3.1% | 3.4% | - |
| Return on invested capital | - | - | - | - | - | - | - | - | - | - |
| Liquidity | ||||||||||
| Current ratio | - | - | - | - | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - | - | - | - | - |
| Leverage | ||||||||||
| Debt / Equity | - | - | - | - | - | - | - | - | - | - |
| Debt / Assets | - | - | - | - | - | - | - | - | - | - |
| Debt / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Interest coverage | - | - | - | - | - | - | - | - | 1.4x | - |
| Equity multiplier | 7.77 | 7.22 | 7.58 | 7.89 | 9.17 | 9.24 | 8.45 | 11.41 | 13.20 | 11.51 |
| Liabilities / Assets | 0.87 | 0.86 | 0.87 | 0.87 | 0.89 | 0.89 | 0.88 | 0.91 | 0.92 | 0.91 |
| Efficiency | ||||||||||
| Asset turnover | - | - | - | - | - | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - | - | - | - | - |
| Valuation | ||||||||||
| P / E | 67.8x | - | 150.7x | 39.6x | 37.0x | - | 5.3x | - | - | - |
| P / B | - | - | - | - | - | - | - | - | - | - |
| P / S | - | - | - | - | - | - | - | - | - | - |
| EV / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Growth | ||||||||||
| Revenue growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Operating income growth (YoY) | 9.7% | - | -41.1% | -29.2% | -44.7% | - | -40.4% | -43.6% | -0.8% | - |
| Net income growth (YoY) | 10.4% | - | -95.8% | -46.7% | -45.8% | - | 707.9% | -20.0% | -7.9% | - |
| EPS growth (YoY) | -40.4% | - | -95.8% | - | - | - | - | - | - | - |
| EPS CAGR (3y) | - | - | - | - | - | - | - | - | - | - |
| EPS CAGR (5y) | - | - | - | - | - | - | - | - | - | - |
| FCF growth (YoY) | 62.3% | - | - | - | - | - | - | - | - | - |
| FCF CAGR (5y) | 21.2% | - | - | - | 1.5% | - | - | - | - | - |
| Book value growth (YoY) | 7.3% | 11.9% | 3.8% | 30.1% | 33.7% | 29.9% | 63.1% | 15.0% | 12.5% | 25.5% |
Peer comparison
Same SIC group: State Commercial Banks
Comparing PEOPLES FINANCIAL CORP /MS/ against the 5 most active filers in the same SIC group.
Dividends
$0.36/share trailing 12 months · +38.5% YoY
| Ex-date | Per share |
|---|---|
| Dec 8, 2025 | $0.1800 |
| Jun 11, 2025 | $0.1800 |
| Dec 9, 2024 | $0.2600 |
| Jun 5, 2024 | $0.1800 |
| Nov 10, 2023 | $0.4100 |
| May 1, 2023 | $0.1200 |
| Nov 4, 2022 | $0.1000 |
| Mar 22, 2022 | $0.0900 |
| Dec 2, 2021 | $0.0600 |
| Apr 1, 2021 | $0.1000 |
| May 1, 2020 | $0.0200 |
| Nov 19, 2019 | $0.0200 |
| May 3, 2019 | $0.0100 |
| Oct 5, 2018 | $0.0100 |
| May 4, 2018 | $0.0100 |
| Sep 29, 2017 | $0.0100 |
| Jun 19, 2014 | $0.1000 |
| Dec 26, 2012 | $0.1000 |
| Aug 8, 2012 | $0.1000 |
| Jan 6, 2012 | $0.1000 |
| Jul 11, 2011 | $0.0900 |
| Jan 31, 2011 | $0.0900 |
| Jul 7, 2010 | $0.1100 |
| Jan 6, 2010 | $0.1000 |