Peoples Financial Q3 Net Income Jumps 74% to $1.12M; Dividend Raised 5.6% to $0.19
PFBX sits 51% above its 52-week low of $15.52 on light trading volume (0.2× avg).
Summary
Peoples Financial earned $1.12 million ($0.24/share) in Q3 2026 versus $643,000 a year earlier and raised its semi-annual dividend 5.6% to $0.19. Unrealized securities losses grew to $34.0 million, pulling book value down to $21.28 per share.
Key Events · Earnings and Guidance · PFBX
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Q3 Earnings Jump 74%
Net income rose $473,000 to $1,116,000 from $643,000 a year earlier; EPS was $0.24 versus $0.14 on 4,617,466 weighted average shares.
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Dividend Raised 5.6%
Semi-annual dividend goes from $0.18 to $0.19 per share, payable November 13, 2026 to holders of record November 10, 2026.
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Margin and Expense Tailwinds
Net interest income rose $560,000 to $5,136,000 as interest expense fell $233,000 to $2,101,000; net interest margin was 2.98% versus 2.92%.
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Securities Losses Weigh on Equity
Unrealized AFS losses widened to $33,982,000 from $28,929,000 at year-end 2025, reducing shareholders' equity $2,425,000 to $98,242,000, or $21.28 book value per share.
Analysis · PFBX · Finance
Third-quarter net income of $1,116,000 is up $473,000 from $643,000 a year ago, and the board raised the semi-annual dividend from $0.18 to $0.19 — the first increase in the payout, backed by a 14.89% leverage ratio. The offset is on the balance sheet: unrealized losses on the available-for-sale securities portfolio widened to $33,982,000 from $28,929,000 at December 31, 2025, cutting equity to $98,242,000, or $21.28 per share versus a $23.41 stock price. Those losses are rate-driven, not credit-driven, and the bank opted out of including them in regulatory capital, so the dividend is affordable — but book value is shrinking while the stock trades near its 52-week high.
How filings like this one have moved
In the 30 days to Oct 28, 2026, 30.7% of the 1698 measured filings Wiseek scored 7 moved their stock by 5% or more by the next session's close. The median move was 0.00%. These are measured outcomes after filings of this importance, not a forecast for this one.
Measured one observation per ticker per day, after exclusions. Current figures: Filing Impact Tracker · open dataset
At the time of this filing, PFBX was trading at $23.41 on OTC in the Finance sector, with a market capitalization of approximately $108.1M. The 52-week trading range was $15.52 to $24.54. This filing was assessed with positive market sentiment and an importance score of 7 out of 10.