Peoples Financial Corp (PK:PFBX)
Business Focus: Banks
| Sector: Financials | Industry: Banks |
| See Regulatory Filings on SEC | |
| Company Contact | |
| Address: | 152 LAMEUSE STREET P O Box 529 BILOXI MS 39530 |
| Tel: | N/A |
| Website: | N/A |
| IR: | N/A |
| Key People | ||
| Chevis C. Swetman Chairman of the Board, President, Chief Executive Officer, Director | Leslie B. Fulton Chief Financial Officer | A. Wes Fulmer Executive Vice President |
| Christy N. Ireland Vice President, Company Secretary | J. Patrick Wild Second Vice President | |
| Business Overview |
| Peoples Financial Corporation is a bank holding company, which operates in the state of Mississippi through its subsidiary, The Peoples Bank, Biloxi, Mississippi (the Bank). The Bank 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 account (IRA) accounts. The Bank generally provides depository accounts to individuals; small and middle market businesses; and state, county, and local government entities in its trade area at interest rates consistent with market conditions. The Bank also offers a variety of other services including safe deposit box rental, wire transfer services, and night drop facilities. |
| Financial Overview |
| For the fiscal year ended 31 December 2023, Peoples Financial Corp interest income increased 38% to $32.6M. Net interest income after loan loss provision increased 25% to $26.7M. Net income increased 3% to $9.2M. Net interest income after loan loss provision reflects Net Interest Margin, Total - % increase of 25% to 3.29%, Net Interest Spread, Total - % increase of 19% to 3.04%, Treasuries increase from $3.2M to $6.6M. |
| Employees: | 137 as of Dec 31, 2023 |
| Reporting Currency: | U.S. Dollars |
| Enterprise value: | $51.51M as of Dec 31, 2023 |
| Annual revenue (TTM): | $32.63M as of Dec 31, 2023 |
| EBITDA (TTM): | $13.31M as of Dec 31, 2023 |
| Net annual income (TTM): | $9.17M as of Dec 31, 2023 |
| Free cash flow (TTM): | $4.04M as of Dec 31, 2023 |
| Net Debt Last Fiscal Year: | N/A |
| Shares outstanding: | 4,661,686 as of Mar 6, 2024 |
| TTM: Trailing Twelve Months EBITDA: Earnings Before Interest, Taxes, Depreciation, & Amortization | |
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