Peoples Financial Corp
Peoples Financial Corporation operates as the bank holding company for The Peoples Bank that provides banking, financial, and trust services to government entities, individuals, and small and commercial businesses in the United States. The company accepts various deposits, such as interest and non-interest-bearing checking accounts, savings accounts, certificates of deposit, and individual retire… Read more
Peoples Financial Corp (PFBX) - Net Assets
Latest net assets as of September 2025: $100.01 Million USD
Based on the latest financial reports, Peoples Financial Corp (PFBX) has net assets worth $100.01 Million USD as of September 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($758.07 Million) and total liabilities ($658.06 Million). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $100.01 Million |
| % of Total Assets | 13.19% |
| Annual Growth Rate | 0.56% |
| 5-Year Change | -5.13% |
| 10-Year Change | -2.0% |
| Growth Volatility | 12.36 |
Peoples Financial Corp - Net Assets Trend (2000–2024)
This chart illustrates how Peoples Financial Corp's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Peoples Financial Corp (2000–2024)
The table below shows the annual net assets of Peoples Financial Corp from 2000 to 2024.
| Year | Net Assets | Change |
|---|---|---|
| 2024-12-31 | $90.00 Million | +29.90% |
| 2023-12-31 | $69.28 Million | +25.53% |
| 2022-12-31 | $55.19 Million | -39.74% |
| 2021-12-31 | $91.59 Million | -3.45% |
| 2020-12-31 | $94.87 Million | -0.27% |
| 2019-12-31 | $95.12 Million | +9.42% |
| 2018-12-31 | $86.93 Million | -2.87% |
| 2017-12-31 | $89.50 Million | +1.17% |
| 2016-12-31 | $88.46 Million | -3.68% |
| 2015-12-31 | $91.84 Million | -3.28% |
| 2014-12-31 | $94.95 Million | -4.23% |
| 2013-12-31 | $99.15 Million | -10.48% |
| 2012-12-31 | $110.75 Million | +1.19% |
| 2011-12-31 | $109.45 Million | +7.99% |
| 2010-12-31 | $101.36 Million | -2.15% |
| 2009-12-31 | $103.59 Million | -3.19% |
| 2008-12-31 | $107.00 Million | +0.43% |
| 2007-12-31 | $106.54 Million | +8.46% |
| 2006-12-31 | $98.23 Million | +12.26% |
| 2005-12-31 | $87.50 Million | +1.98% |
| 2004-12-31 | $85.80 Million | +2.75% |
| 2003-12-31 | $83.50 Million | +2.17% |
| 2002-12-31 | $81.73 Million | +2.08% |
| 2001-12-31 | $80.07 Million | +1.72% |
| 2000-12-31 | $78.72 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Peoples Financial Corp's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 635.8% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2024)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $56.49 Million | 62.77% |
| Other Components | $33.51 Million | 37.23% |
| Total Equity | $90.00 Million | 100.00% |
Peoples Financial Corp Competitors by Market Cap
The table below lists competitors of Peoples Financial Corp ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Eusu Holdings
KO:000700
|
$40.44 Million |
|
CAPITAL + REGIONAL LS-01
F:XC2R
|
$40.47 Million |
|
SDN Company. Ltd
KQ:099220
|
$40.47 Million |
|
Aprogen KIC Inc
KO:007460
|
$40.47 Million |
|
Alexanderwerk Aktiengesellschaft
F:ALXA
|
$40.43 Million |
|
Profarma Distribuidora de Produtos Farmacêuticos S.A
SA:PFRM3
|
$40.42 Million |
|
BRAIN Biotech AG
XETRA:BNN
|
$40.42 Million |
|
CM Hospitalar SA
SA:VVEO3
|
$40.41 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Peoples Financial Corp's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2023 to 2024, total equity changed from 69,283,000 to 90,001,000, a change of 20,718,000 (29.9%).
- Net income of 21,703,000 contributed positively to equity growth.
- Dividend payments of 2,039,000 reduced retained earnings.
- Share repurchases of 792,000 reduced equity.
- Other factors increased equity by 1,846,000.
Equity Change Factors (2023 to 2024)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $21.70 Million | +24.11% |
| Dividends Paid | $2.04 Million | -2.27% |
| Share Repurchases | $792.00K | -0.88% |
| Other Changes | $1.85 Million | +2.05% |
| Total Change | $- | 29.90% |
Book Value vs Market Value Analysis
This analysis compares Peoples Financial Corp's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.99x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2013-12-31 | $19.35 | $19.25 | x |
| 2015-12-31 | $17.93 | $19.25 | x |
| 2016-12-31 | $17.27 | $19.25 | x |
| 2017-12-31 | $17.85 | $19.25 | x |
| 2018-12-31 | $17.59 | $19.25 | x |
| 2019-12-31 | $19.24 | $19.25 | x |
| 2020-12-31 | $19.45 | $19.25 | x |
| 2021-12-31 | $18.81 | $19.25 | x |
| 2022-12-31 | $11.80 | $19.25 | x |
| 2023-12-31 | $14.86 | $19.25 | x |
| 2024-12-31 | $19.49 | $19.25 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Peoples Financial Corp utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 24.11%
- The company demonstrates strong efficiency in generating profits from shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 72.80%
- • Asset Turnover: 0.04x
- • Equity Multiplier: 9.24x
- Recent ROE (24.11%) is above the historical average (4.80%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2000 | 5.89% | 9.29% | 0.09x | 7.46x | $-3.23 Million |
| 2001 | 4.99% | 8.59% | 0.08x | 7.33x | $-4.01 Million |
| 2002 | 3.90% | 8.44% | 0.07x | 6.73x | $-4.98 Million |
| 2003 | 6.01% | 14.42% | 0.06x | 6.89x | $-3.33 Million |
| 2004 | 6.75% | 17.63% | 0.06x | 6.73x | $-2.79 Million |
| 2005 | 6.72% | 14.86% | 0.05x | 9.66x | $-2.87 Million |
| 2006 | 13.00% | 20.86% | 0.06x | 9.81x | $2.94 Million |
| 2007 | 10.35% | 16.94% | 0.07x | 8.70x | $371.80K |
| 2008 | 4.70% | 9.90% | 0.06x | 8.38x | $-5.67 Million |
| 2009 | 3.11% | 7.25% | 0.05x | 8.39x | $-7.14 Million |
| 2010 | 1.47% | 3.73% | 0.05x | 7.76x | $-8.65 Million |
| 2011 | 1.10% | 12.20% | 0.01x | 7.35x | $-9.74 Million |
| 2012 | 2.38% | 27.71% | 0.01x | 7.27x | $-8.43 Million |
| 2013 | -0.54% | -2.35% | 0.03x | 7.69x | $-10.45 Million |
| 2014 | -10.54% | -45.62% | 0.03x | 7.04x | $-19.50 Million |
| 2015 | -5.00% | -20.18% | 0.04x | 6.98x | $-13.78 Million |
| 2016 | 0.19% | 0.71% | 0.03x | 7.78x | $-8.68 Million |
| 2017 | 3.08% | 11.53% | 0.04x | 7.27x | $-6.19 Million |
| 2018 | 0.72% | 2.73% | 0.04x | 7.09x | $-8.06 Million |
| 2019 | 1.77% | 6.98% | 0.04x | 6.25x | $-7.83 Million |
| 2020 | -2.90% | -14.50% | 0.03x | 7.04x | $-12.24 Million |
| 2021 | 9.37% | 33.08% | 0.03x | 8.94x | $-580.30K |
| 2022 | 16.20% | 31.52% | 0.03x | 15.61x | $3.42 Million |
| 2023 | 13.23% | 27.99% | 0.04x | 11.51x | $2.24 Million |
| 2024 | 24.11% | 72.80% | 0.04x | 9.24x | $12.70 Million |
Industry Comparison
This section compares Peoples Financial Corp's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $25,670,820,700
- Average return on equity (ROE) among peers: 9.44%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Peoples Financial Corp (PFBX) | $100.01 Million | 5.89% | 6.58x | $40.43 Million |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $4.91 Billion |
| ACNB Corporation (ACNB) | $2.75 Billion | 1.01% | 0.01x | $462.57 Million |
| Addiko Bank AG (ADBKF) | $839.50 Million | 5.41% | 6.63x | $210.07 Million |
| Affinity Bancshares Inc (AFBI) | $120.97 Million | 6.26% | 5.51x | $79.94 Million |
| Absa Group Limited (AGRPF) | $19.52 Billion | 23.08% | 14.72x | $6.72 Billion |
| AIB Group plc (AIBGY) | $14.46 Billion | -16.17% | 8.45x | $21.72 Billion |
| Akbank Turk Anonim Sirketi (AKBTY) | $211.22 Billion | 31.48% | 8.02x | $8.60 Billion |
| Alpha Bank SA (ALBKY) | $7.32 Billion | 8.44% | 8.89x | $1.12 Billion |
| Community Capital Bancshares Inc (ALBY) | $9.19 Million | 7.09% | 8.66x | $19.76 Million |
| Alpine Banks of Colorado (ALPIB) | $342.89 Million | 16.92% | 10.27x | $248.47 Million |