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Upturn AI Summary - About
Peoples Fin(PFIS)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for PFIS
10/30/2026: PFIS (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Peoples Financial Corporation is a longstanding regional bank serving the Mississippi Gulf Coast through its primary subsidiary, The Peoples Bank. The company's strengths include strong community brand loyalty and a conservative approach to balance sheet management. Its primary investment story centers on steady performance and consistent dividend payouts, making it a potential fit for income-focused investors. However, the company faces significant risks from geographic concentration, intense competition from larger regional banks, and sensitivity to interest rate cycles. Investors should monitor developments in local economic conditions and the bank’s ability to successfully leverage its digital and fee-based service initiatives to drive future profitability.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Weak fit | The company focuses on steady, conservative growth rather than rapid market expansion. |
| Momentum investor | Weak fit | The stock typically exhibits lower volatility and lower trading volume, making it less suitable for short-term momentum strategies. |
| Value investor | Mixed fit | Potential value exists if the stock trades at a discount to book value, though liquidity is limited. |
| Dividend investor | Strong fit | The history of consistent dividend payments makes it a potential candidate for income-oriented portfolios. |
| Low-risk investor | Mixed fit | While established, the geographic concentration and cyclical nature of banking present specific risks. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | The stock can experience price swings tied to interest rate changes and sector-wide banking concerns. |
| Valuation risk | Medium | Valuation is sensitive to book value fluctuations and overall bank sector multiples. |
| Competition risk (Regional Bank Competition) | High | Larger, better-capitalized competitors can pressure margins and market share. |
| Business quality | Medium | The business model is solid but lacks the diversification of larger financial institutions. |
| Dividend income | Medium | Dividends are dependent on earnings stability and regulatory capital compliance. |
| Execution risk | Medium | Management must navigate local economic cycles while maintaining asset quality. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 21.85% | Avg. Invested days 48 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/30/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 703.93M USD | Price to earnings Ratio 12.45 | 1Y Target Price 73.5 |
Price to earnings Ratio 12.45 | 1Y Target Price 73.5 | ||
Volume (30-day avg) 54.6K shares | Beta 0.73 | 52 Weeks Range 42.39 - 73.34 | Updated Date 11/01/2026 |
52 Weeks Range 42.39 - 73.34 | Updated Date 11/01/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) 5.65 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on loans and securities minus interest paid on deposits. | The bank's primary profit engine is the spread between what it earns on loans and pays to depositors. |
| Non-Interest Income | Service charges, trust fees, and mortgage banking income. | Secondary revenue sources help diversify income beyond traditional lending. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2026-10-29 | When After Market | Estimate 1.72 | Actual 4.71 |
Profitability
Profit Margin 29.77% | Operating Margin (TTM) 42.11% |
Management Effectiveness
Return on Assets (TTM) 1.08% | Return on Equity (TTM) 11.02% |
Valuation
Trailing PE 12.45 | Forward PE 15.08 | Enterprise Value 778.81M | Price to Sales(TTM) 3.69 |
Enterprise Value 778.81M | Price to Sales(TTM) 3.69 | ||
Enterprise Value to Revenue 5.29 | Enterprise Value to EBITDA - | Shares Outstanding 10.01M | Shares Floating 9.17M |
Shares Outstanding 10.01M | Shares Floating 9.17M | ||
Percent Insiders 8.13 | Percent Institutions 36.37 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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