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About the company
Peoples Financial Corporation is a bank holding company. The Company’s two wholly owned subsidiaries are The Peoples Bank, Biloxi, Mississippi (the Bank), and PFC Service Corp. The Bank provides a full range of banking, financial and trust services to state, county and local government entities and individuals and small and commercial businesses operating in those portions of Mississippi, Louisiana and Alabama which are within a fifty-mile radius of the Waveland, Wiggins or Gautier branches (the trade area). It offers a variety of services to individuals and small to middle market businesses within its trade area. The Bank’s primary lending focus is to offer business, commercial, real estate, construction, personal and installment loans, with an emphasis on commercial lending. Its deposit services include interest-bearing and non-interest-bearing checking accounts, savings accounts, certificates of deposit, and individual retirement accounts (IRAs).
- Revenue in USD (TTM)26.57m
- Net income in USD3.91m
- Incorporated1984
- Employees131.00
- LocationPeoples Financial Corp152 Lameuse Street,P O Box 529BILOXI 39530United StatesUSA
- Phone+1 (228) 435-5511
Peer analysis
- Key Information
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- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Auburn National Bancorporation Inc | 38.10m | 7.26m | 87.34m | 145.00 | 12.04 | -- | 12.21 | 2.66 | 2.08 | 2.08 | 9.38 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 22.12 | 22.48 | -- | -- | -- | -- | -23.39 | 1.03 | 13.41 | -0.5397 | -- | 1.15 |
| First US Bancshares Inc | 59.42m | 5.99m | 87.60m | 151.00 | 15.42 | 0.8292 | 16.06 | 2.13 | 0.9971 | 0.9971 | 6.81 | 18.54 | -- | -- | -- | -- | 0.5312 | 0.6595 | -- | -- | -- | -- | 14.60 | 16.77 | -- | -- | -- | 16.34 | 1.98 | 8.03 | -26.66 | 17.22 | -- | 18.47 |
| Bank Of Botetourt | 47.97m | 10.33m | 87.87m | 84.00 | 8.57 | 0.9512 | -- | 2.31 | 5.25 | 5.25 | 19.35 | 47.47 | -- | -- | -- | -- | 1.21 | 1.10 | -- | -- | -- | -- | 28.40 | 27.12 | -- | -- | -- | 18.77 | 14.73 | 16.43 | 38.32 | 17.39 | -- | 7.18 |
| Home Loan Financial Corp | -100.00bn | -100.00bn | 90.47m | 33.00 | -- | 2.52 | -- | -- | -- | -- | -- | 15.97 | -- | -- | -- | -- | -- | 1.81 | -- | -- | -- | -- | -- | 37.35 | -- | -- | -- | 50.26 | 23.29 | 16.66 | 31.75 | 14.98 | -17.64 | 0.2763 |
| Bank of the James | 46.66m | 9.02m | 94.23m | 162.00 | 10.45 | 1.18 | 21.00 | 1.94 | 1.99 | 1.99 | 10.71 | 17.62 | -- | -- | -- | -- | 0.8939 | 0.8777 | -- | -- | -- | -- | 18.54 | 19.47 | -- | -- | -- | 18.23 | 4.51 | 9.46 | 13.57 | 12.62 | -- | 9.46 |
| Coastal Carolina Bancshares, Inc. | 60.44m | 10.52m | 96.47m | -- | 9.19 | -- | -- | 2.44 | 1.66 | 1.66 | 6.23 | -- | -- | -- | -- | -- | -- | 0.8693 | -- | -- | -- | -- | 26.64 | 24.38 | -- | -- | -- | 0.0008 | 28.50 | 23.82 | 4.63 | 24.74 | -15.01 | -- |
| First Northwest BanCorp | 107.00m | -4.19m | 96.95m | 227.00 | -- | 0.6165 | -- | 1.41 | -0.4856 | -0.4856 | 7.68 | 16.61 | -- | -- | -- | -- | -0.1931 | 0.1926 | -- | -- | -- | -- | -6.08 | 5.54 | -- | -- | -- | -- | -4.75 | 15.67 | 36.66 | -- | -- | -- |
| Peoples Financial Corp | 26.57m | 3.91m | 97.01m | 131.00 | 24.66 | -- | 21.70 | 3.52 | 0.8519 | 0.8519 | 6.01 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 14.21 | 25.69 | -- | -- | -- | -- | -38.49 | 1.06 | -39.91 | -- | -- | 38.75 |
| New Peoples Bankshares Inc | 47.38m | 9.82m | 98.78m | 177.00 | 10.07 | 1.24 | 8.73 | 2.29 | 0.416 | 0.416 | 1.83 | 3.37 | -- | -- | -- | -- | 1.10 | 0.8484 | -- | -- | -- | -- | 22.73 | 17.97 | -- | -- | -- | 12.85 | 20.19 | 7.59 | 14.20 | 31.85 | 2.94 | -- |
| Bancorp 34 Inc | 50.79m | 1.69m | 99.25m | 103.00 | 107.08 | 1.29 | 24.32 | 2.85 | 0.139 | 0.139 | 5.18 | 11.56 | -- | -- | -- | -- | 0.2253 | 0.1818 | -- | -- | -- | -- | 4.85 | 4.73 | -- | -- | -- | 47.17 | 80.58 | 21.80 | 148.12 | -2.90 | 90.29 | -- |
| Pinnacle Bankshares Corp | -100.00bn | -100.00bn | 100.30m | 187.00 | -- | 1.67 | -- | -- | -- | -- | -- | 27.02 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 8.05 | -- | 2.25 | 23.04 | 10.49 |
| Katahdin Bankshares Corp | 56.24m | 10.70m | 103.10m | 174.00 | 9.63 | 0.9938 | -- | 2.32 | 3.37 | 3.37 | 13.97 | 32.66 | -- | -- | -- | -- | 0.9718 | 0.9445 | -- | -- | -- | -- | 24.11 | 24.52 | -- | -- | -- | 21.34 | 6.74 | 9.11 | 32.66 | 2.36 | -- | 17.90 |
| Oconee Federal Financial Corp | 18.29m | 4.11m | 103.24m | 79.00 | 20.60 | 1.36 | 20.05 | 6.00 | 0.7329 | 0.7329 | 3.07 | 11.14 | -- | -- | -- | -- | 0.7286 | 0.7612 | -- | -- | -- | -- | 23.90 | 23.31 | -- | -- | -- | 56.27 | -1.46 | -0.8648 | 0.9125 | -5.76 | 1.88 | 0.00 |
| Provident Financial Holdings Inc | 56.62m | 6.60m | 103.40m | 163.00 | 16.32 | 0.8161 | 10.24 | 2.62 | 0.9938 | 0.9938 | 5.95 | 19.87 | -- | -- | -- | -- | 0.5317 | 0.628 | -- | -- | -- | -- | 16.72 | 20.40 | -- | -- | -- | 51.40 | 3.46 | 5.93 | -14.91 | -4.04 | 18.27 | 0.00 |
| Security Federal Corp | 78.61m | 12.01m | 105.77m | 258.00 | 8.89 | -- | 10.84 | 1.80 | 3.81 | 3.81 | 18.57 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 23.30 | 22.44 | -- | -- | -- | -- | 1.69 | 16.21 | 35.28 | 11.25 | -- | 8.45 |
| Jeffersonville Bancorp | 30.19m | 11.96m | 105.86m | 125.00 | 8.86 | 1.04 | -- | 3.31 | 2.82 | 2.82 | 7.56 | 23.97 | -- | -- | -- | -- | 1.79 | 1.30 | -- | -- | -- | -- | 37.35 | 32.18 | -- | -- | -- | 32.34 | 3.70 | 7.41 | 1.39 | 11.73 | 12.21 | 0.00 |
| Holder | Shares | % Held |
|---|---|---|
| Stilwell Value LLCas of 04 Feb 2026 | 734.88k | 15.92% |
| Pinnacle Holdings LLCas of 31 Dec 2025 | 48.48k | 1.05% |
| Northern Trust Investments, Inc.(Investment Management)as of 30 Sep 2025 | 201.00 | 0.00% |
