PEOPLES FINANCIAL CORP /MS/ (PFBX)
State Commercial Banks · Financial Services · $106M
Intrinsic Value (Consensus)
$14.30
Current Price
$22.95
Margin of Safety
-37.7%
37.7% Above Intrinsic Value
Value: $14
Price: $23
Valuation Model Estimates
Current Price: $22.95
DCF (Discounted Cash Flow)
$11.54
Graham Number
$20.42
Earnings Power Value
$8.25
Relative Value (P/E)
$17.00
Dividend Discount Model
Not applicable
—
Consensus Value
$14.30
Model Assumptions
Discount Rate
10.3%
Growth Rate
2.0%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
D
40
Profitability
12/25
Strength
17/25
Valuation
7/25
Growth
4/25
Key Financials
- EPS (TTM)
- $0.85
- EPS (Forward)
- $0.87
- Book Value
- $21.80
- P/E Ratio
- 20.0
- Forward P/E
- 19.6
- PEG Ratio
- —
- ROE
- 3.9%
- Debt/Equity
- —
- Revenue Growth
- N/A
- Earnings Growth
- 2.0%
- Dividend Yield
- N/A
- Beta
- 1.00
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Data last updated: 2026-06-16
Source: Yahoo Finance