Stock fact sheet · data as of
Peoples Financial Corporation (PFBX): fair value, margin of safety and Wheel Score
Ticker symbol PFBX · Financial Services · Banks - Regional · United States · Value
Is PFBX undervalued?
At 23.72 (close of 5 Nov 2026), PFBX trades 86% over the GLS average fair value of 12.77, with 0 of 9 models above the price. The stock earns none of the Wheel Score's Value points at this price. That is a statement about price against trailing fundamentals, not about the company's prospects - the Wall Street View and the Growth tab on the Quote page carry the forward numbers.
The 9 models disagree widely: GLS Growth gives 2.65 while Graham Number gives 21.14. A spread that wide means the average is sensitive to which methods you trust; the model table below shows where each one lands, and the Quote page lets you switch any of them off.
Ranked against every other company we cover, PFBX is clearly cheaper than it is fast-growing, so the nightly engine files it under Value (value score 36, growth score 10, out of 100).
Nine valuation models for PFBX
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 18.30 | -23% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 21.14 | -11% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 14.59 | -39% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 3.62 | -85% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 2.65 | -89% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 21.12 | -11% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 18.13 | -24% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 5.30 | -78% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 10.05 | -58% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -131.23 | -653% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Financial health is average - PFBX passes 5 of the nine Piotroski tests, which falls one point short of the "Piotroski 6 or more" Wheel Trade Filter. The Financials tab on the Quote page shows which tests fail. The GLS Moat score is low at 3.8 out of 10: returns on capital, margins or the balance sheet have not shown a lasting edge yet - often a young company, a thin-margin business or one that has only recently turned profitable.
Returns on capital are thin or negative - ROIC 3.9%, ROE 3.9%, ROA 0.5% - with debt at 0.01 times equity and a free-cash-flow yield of 4.0%.
The dividend yield is 1.52% at a payout ratio of 40%; for a wheel trader holding assigned shares the dividend adds to the covered-call premium, and the ex-dividend date is worth knowing before a call is sold. Revenue comes mainly from Service Charges on Deposit Accounts 53%, Trust Department Income and Fees 47% (quarter Q2 FY2026).
Institutional ownership scores 1/10, insider activity 9/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 5 / 9 | ROIC | 3.9% |
|---|---|---|---|
| GLS Moat | 3.8 / 10 | ROE | 3.9% |
| Debt / equity | 0.01 | ROA | 0.5% |
| Free-cash-flow yield | 4.0% | Payout ratio | 40% |
| Institutions | 1 / 10 | Insiders · Congress | 9 · 5 / 10 |
Wheel Score 17: No options
PFBX has no listed options in the nightly snapshot, so there is nothing to sell and the stock cannot be wheeled however good the business. It fails the first Wheel Trade Filter (options that actually trade), so the score stays under 70 and is shown as "No options" (17 here). The valuation and quality numbers still apply to owning the shares outright.
Volume runs at 0k shares a day on a market cap of $110M, with a beta of 0.17 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score rates that fair.
| Filter | Wheel Trade Filter | Result | Detail |
|---|---|---|---|
| 1 | Options that actually trade | Fails | no listed options |
| 2 | A real business, not a gamble | Passes | Profitable over the last twelve months - not a speculative stock, fund or note |
| 3 | Below fair value | Fails | trades 86% above our fair value |
| 4 | Financially healthy | Fails | Piotroski 5/9 (under 6) |
| 5 | Can repay its debt | Passes | Long-term debt repaid from 3 years of operating cash flow or less (6 for real estate and utilities; banks and insurers are not judged on it) |
| 6 | No serious red flags | Passes | Red Flags score 60 or more out of 100 (earnings, margins, debt, analysts, filings and price checked the same way for every stock) |
| 7 | A premium worth selling | Fails | no implied volatility |
| 8 | Big enough | Fails | market cap $110M (under $1.0B) |
| 9 | Not a penny stock | Passes | Share price $5 or more |
| How it ranks | Rating | From | |
|---|---|---|---|
| Value | Weak | 86% above fair value | |
| Premium | Weak | no option data | |
| Moat | Fair | moat 3.8/10 | |
| Health | Fair | Piotroski 5/9 | |
| Red Flags | Fair | not scored yet - half marks | |
| Option trading | Weak | no option volume data | |
| Stability | Fair | beta 0.17, $110M company |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it fits into a trade, start to finish.
Upcoming events
No upcoming earnings date is recorded for PFBX in the nightly calendar. The shares go ex-dividend on 10 Nov 2026 (0.1900 per share), so a covered call sold before then carries a small early-assignment risk around that date.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to Peoples Financial Corporation by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| BKSC Bank of South Carolina Corporation | 20.51 | 37.80 | +46% | 37No options | $110M |
| BCTF Bancorp 34, Inc. | 16.05 | 16.86 | +5% | 15No options | $109M |
| PTBS Potomac Bancshares, Inc. | 26.55 | 39.50 | +33% | 34No options | $110M |
| UNIB University Bancorp, Inc. | 21.30 | 61.04 | +65% | 31No options | $110M |
| BOTJ Bank of the James Financial Group, Inc. | 24.26 | 34.21 | +29% | 34No options | $110M |
| TYBT Trinity Bank, N.A. | 101.00 | 176.72 | +43% | 33No options | $110M |
| BNCC BNCCORP, Inc. | 30.75 | 55.08 | +44% | 33No options | $108M |
| WBBW Westbury Bancorp, Inc. | 42.00 | 68.59 | +39% | 30No options | $111M |
| BYFC Broadway Financial Corp. | 11.62 | 10.12 | -15% | 17No options | $108M |
| PROV Provident Financial Holdings, Inc. | 18.20 | 15.46 | -18% | 20No options | $113M |
| OPHC OptimumBank Holdings, Inc. | 8.95 | 35.97 | +75% | 34No options | $113M |
| PNBK Patriot National Bancorp, Inc. | 0.8940 | 2.10 | +57% | 26No options | $106M |
⚖ Compare PFBX with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about PFBX
Is PFBX undervalued right now?
No: at 23.72 the stock trades 86% above the GLS average fair value of 12.77 (data as of 5 Nov 2026), well beyond what trailing earnings, cash flow and book value support.
What is the Wheel Score of PFBX and what does it mean?
PFBX has no listed options in our nightly snapshot, so it cannot be wheeled; it fails the first Wheel Trade Filter (options that actually trade), stays under 70 and is shown as "No options".
What is the GLS fair value for PFBX?
12.77 per share as of 5 Nov 2026 - the simple average of the 9 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does Peoples Financial Corporation report earnings next?
No upcoming earnings date is recorded for PFBX in our calendar as of 5 Nov 2026; the Calendars page is refreshed every morning.
Does PFBX have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on PFBX, so the wheel strategy cannot be run on it and the Wheel Score stays under 70.