Peoples Financial Corporation (PFBX)

OTCMKTS: PFBX · Delayed Price · USD
15.50
0.00 (0.00%)
Mar 25, 2024, 3:21 PM EDT - Market closed

Total Valuation

PFBX has a market cap or net worth of $72.26 million. The enterprise value is -$271.51 million.

Market Cap 72.26M
Enterprise Value -271.51M

Important Dates

The last earnings date was Wednesday, April 22, 2020, after market close.

Earnings Date Apr 22, 2020
Ex-Dividend Date Nov 10, 2023

Share Statistics

PFBX has 4.66 million shares outstanding. The number of shares has decreased by -0.25% in one year.

Shares Outstanding 4.66M
Shares Change (YoY) -0.25%
Shares Change (QoQ) -0.25%
Owned by Insiders (%) 38.77%
Owned by Institutions (%) 24.20%
Float 1.80M

Valuation Ratios

The trailing PE ratio is 7.91.

PE Ratio 7.91
Forward PE n/a
PS Ratio 2.17
Forward PS n/a
PB Ratio 1.04
P/FCF Ratio 11.12
PEG Ratio n/a
Financial Ratio History

Enterprise Valuation

EV / Earnings n/a
EV / Sales n/a
EV / EBITDA n/a
EV / EBIT n/a
EV / FCF n/a

Financial Position

The company has a current ratio of 0.13, with a Debt / Equity ratio of 0.27.

Current Ratio 0.13
Quick Ratio 1.86
Debt / Equity 0.27
Debt / EBITDA 1.96
Debt / FCF 2.85
Interest Coverage -0.72

Financial Efficiency

Return on equity (ROE) is 13.23% and return on invested capital (ROIC) is 15.32%.

Return on Equity (ROE) 13.23%
Return on Assets (ROA) 1.15%
Return on Capital (ROIC) 15.32%
Revenue Per Employee $252,788
Profits Per Employee $69,439
Employee Count 132
Asset Turnover 0.04
Inventory Turnover n/a

Taxes

In the past 12 months, PFBX has paid $2.12 million in taxes.

Income Tax 2.12M
Effective Tax Rate 18.79%

Stock Price Statistics

The stock price has increased by +29.17% in the last 52 weeks. The beta is 0.40, so PFBX's price volatility has been lower than the market average.

Beta (1Y) 0.40
52-Week Price Change +29.17%
50-Day Moving Average 15.93
200-Day Moving Average 13.89
Relative Strength Index (RSI) 38.78
Average Volume (30 Days) 345

Short Selling Information

The latest short interest is 2,010, so 0.04% of the outstanding shares have been sold short.

Short Interest 2,010
Short Previous Month 1,843
Short % of Shares Out 0.04%
Short % of Float 0.11%
Short Ratio (days to cover) 1.45

Income Statement

In the last 12 months, PFBX had revenue of $33.37 million and earned $9.17 million in profits. Earnings per share was $1.96.

Revenue 33.37M
Gross Profit 33.37M
Operating Income 16.57M
Pretax Income 11.29M
Net Income 9.17M
EBITDA 9.42M
EBIT 7.83M
Earnings Per Share (EPS) $1.96
Full Income Statement

Balance Sheet

The company has $362.27 million in cash and $18.50 million in debt, giving a net cash position of $343.77 million or $73.74 per share.

Cash & Cash Equivalents 362.27M
Total Debt 18.50M
Net Cash 343.77M
Net Cash Per Share $73.74
Equity / Book Value 69.28M
Book Value Per Share 14.86
Working Capital -170.30M
Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was $9.05 million and capital expenditures -$2.55 million, giving a free cash flow of $6.50 million.

Operating Cash Flow 9.05M
Capital Expenditures -2.55M
Free Cash Flow 6.50M
FCF Per Share $1.39
Full Cash Flow Statement

Margins

Gross margin is 100.00%, with operating and profit margins of 49.64% and 27.47%.

Gross Margin 100.00%
Operating Margin 49.64%
Pretax Margin 33.83%
Profit Margin 27.47%
EBITDA Margin 28.24%
EBIT Margin 23.45%
FCF Margin 19.47%

Dividends & Yields

This stock pays an annual dividend of $0.30, which amounts to a dividend yield of 1.94%.

Dividend Per Share $0.30
Dividend Yield 1.94%
Dividend Growth (YoY) 178.95%
Years of Dividend Growth 2
Payout Ratio 11.07%
Buyback Yield 0.25%
Shareholder Yield 2.19%
Earnings Yield 12.69%
FCF Yield 8.99%
Dividend Details

Analyst Forecast

Price Target n/a
Price Target Difference n/a
Analyst Consensus n/a
Analyst Count n/a
Revenue Growth Forecast (5Y) n/a
EPS Growth Forecast (5Y) n/a

Stock Splits

The last stock split was on April 19, 2000. It was a forward split with a ratio of 2:1.

Last Split Date Apr 19, 2000
Split Type Forward
Split Ratio 2:1

Scores

PFBX has an Altman Z-Score of -0.06 and a Piotroski F-Score of 5. A Z-score under 3 suggests an increased risk of bankruptcy.

Altman Z-Score -0.06
Piotroski F-Score 5