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Profile - Peoples Financial Corp. (NasdaqSC:PFBX)
As of 31-Aug-2001
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More Info: Quote | Chart | News | Profile | SEC | Msgs | Insider | Financials
Location
Lameuse and Howard Avenues
Biloxi, MS 39533
Phone: (228) 435-5511
Fax: (228) 465-8418
Employees (last reported count): 225
Financial Links
 ·Top Institutional Holders
 ·Top Mutual Fund Holders
 ·Historical Quote Data
 ·Raw SEC Filings at sec.gov
Competitors:
 ·Sector: Financial
 ·Industry: Regional Banks
Related Links
 ·Search Yahoo! for related links...
Ownership
·Insider and 5%+ Owners: 48%
·Over the last 6 months:
 · 4 insider buys; 4,000  shares (0.1% of insider shares)
 · 2 insider sells; 3,000  shares
  (0.1% of insider shares)
·Institutional: 4% (8% of float)
(4 institutions)
·Net Inst. Buying: 42.0K shares (+14.63%)
(prior quarter to latest quarter)
More From Market Guide
 ·Highlights
 ·Performance
 ·Ratio Comparisons
Business Summary
Peoples Financial Corporation operates as a one-bank holding company for The Peoples Bank (the Bank). The Bank is the Company's principal asset and primary source of revenue. The Bank offers a variety of loan and deposit services to individuals, and small- to middle-market businesses within its trade area. Deposit services include interest-bearing and non-interest-bearing checking accounts, savings accounts, certificates of deposit and IRA accounts. The Bank also offers a non-deposit funds management account, which is not insured by the FDIC. Loan services include business, real estate, construction, personal and installment loans, with an emphasis on commercial lending. The Bank also offers a variety of other functions, including collection services, asset-management and trust services, wire services, safe deposit box facilities, night drop facilities, cash management, automated teller machines, and Internet or home banking.
More from Market Guide: Expanded Business Description

Financial Summary
PFFC is a one bank holding company, headquartered in Biloxi, MS, for The Peoples Bank. For the six months ended 6/30/01, total interest income increased 1% to $20.3 million. Net interest income after loan loss provision fell 29% to $8.3 million. Net income fell 65% to $1.3 million. Total interest income reflects the increase in interest-earning assets. Net interest income after LLP were offset by higher interest on deposits. Net income reflect the increase in personnel expenses.
More from Market Guide: Significant Developments

Officers[Insider Trade Data]
FY2000 Pay

Chevis Swetman, 52
Chairman, Pres, CEO
$254K
Lauri Wood, 39
CFO, Controller
--  
Andy Carpenter, 53
Exec. VP, Director
162K
Dan Magruder, 53
Exec. VP, Director
--  
Thomas Sliman, 64
Sr. VP
117K
Dollar amounts are as of 31-Dec-2000 and compensation values are for the fiscal year ending on that date; "Pay" is salary, bonuses, etc..
More from Market Guide on Officers & Directors:
Expanded List, Bios, Compensation, Options
Statistics at a Glance -- NasdaqSC:PFBXAs of 31-Aug-2001
Price and Volume
52-Week Low
on 11-July-2001
$12.60 
Recent Price$14.50 
52-Week High
on 30-Mar-2001
$24.75 
Daily Volume (3-month avg)500 
Daily Volume (10-day avg)0 
Stock Performance
[one-year price graph]
big chart [1d | 5d | 3m | 6m | 1y | 2y]
52-Week Change-23.7%
52-Week Change
relative to S&P500
+2.4%
Share-Related Items
Market Capitalization$81.6M
Shares Outstanding5.63M
Float2.90M
Dividends & Splits
Annual Dividend (indicated)$0.24 
Dividend Yield1.66%
Last Split: 2 for 1 on 15-Sep-1997
Per-Share Data
Book Value (mrq)$13.73 
Earnings (ttm)$0.39 
Earnings (mrq)-$0.02 
Sales (ttm)$6.73 
Cash (mrq)$6.99 
Valuation Ratios
Price/Book (mrq)1.06 
Price/Earnings (ttm)37.37 
Price/Sales (ttm)2.15 
Income Statements
Sales (ttm)$42.1M
EBITDAN/A 
Income available to common (ttm)$2.23M
Profitability
Profit Margin (ttm)5.3%
Fiscal Year
Fiscal Year EndsDec 31
Most recent quarter30-June-2001
Management Effectiveness
Return on Assets (ttm)0.38%
Return on Equity (ttm)2.85%
Financial Strength
Current RatioN/A 
Long-Term Debt/Equity (mrq)0.00 
Total Cash (mrq)$39.3M
Short Interest
As of 8-Aug-2001
Shares Short0 
Shares Short
(Prior Month)
0 
Daily Volume1,000 
See Profile Help for a description of each item above;   K = thousands;   M = millions;   mrq = most-recent quarter;   ttm = trailing twelve months;   (as of 30-June-2001)

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