Peoples Financial (PFBX) AI Stock Analysis

• Market Cap: $89.58M
• Dividend Yield: 1.82%
• Average Volume (3M): 609.00
• Price to Earnings (P/E): 4.5
• Beta (1Y): 0.20
• Revenue Growth: -7.75%
• EPS Growth: 130.68%
• Country: US
• Employees: 131
• Sector: Financial
• Sector Strength: 87
• Industry: Banks - Regional
• EPS (TTM): 4.66
• Shares Outstanding: 4,617,466
• 10 Day Avg. Volume: 278
• 30 Day Avg. Volume: 609
• PEG Ratio: -0.42
• Price to Book (P/B): 1.00
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 14.90
• Enterprise Value/Market Cap: -0.20
• Enterprise Value/Revenue: -0.13
• Enterprise Value/Gross Profit: -0.58
• Enterprise Value/Ebitda: -0.69
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

Peoples Financial (PFBX) exhibits strong financial health with a robust balance sheet and high profitability margins. The stock benefits from positive technical indicators, suggesting upward momentum, while its low P/E ratio indicates attractive valuation. Although revenue growth has been inconsistent, the company's stable cash flow and solid financials provide a strong foundation. The combination of these factors results in a favorable overall stock score.

Peoples Financial Business Overview & Revenue Model

Company Description

Peoples Financial Corporation (PFBX) is a bank holding company headquartered in Biloxi, Mississippi. It operates through its subsidiary, The Peoples Bank, which provides a wide range of financial services primarily to individuals and small to medium-sized businesses in the Mississippi Gulf Coast region. The bank offers traditional banking products, including personal and business checking accounts, savings accounts, and certificates of deposit, as well as loan products such as residential and commercial real estate loans, consumer loans, and business loans.

How the Company Makes Money

Peoples Financial Corporation generates revenue primarily through the interest income earned from its loan portfolio and investment securities. The company makes money by offering various loan products, including commercial, residential, and consumer loans, where the interest paid by borrowers constitutes a significant portion of its income. Additionally, the bank earns non-interest income from service charges, fees for banking services such as checking account maintenance, overdrafts, and wire transfers, as well as gains from the sale of investment securities. Peoples Bank's financial performance is also influenced by its strategic focus on maintaining strong customer relationships and prudent risk management practices, which help to stabilize and grow its earnings.

Peoples Financial Financial Statement Overview

Summary

Peoples Financial demonstrates solid financial strength with a strong balance sheet and consistent profitability. While revenue growth has been variable, the company maintains excellent gross and net profit margins, contributing to overall stability. Cash flow management is generally effective, though minor fluctuations in free cash flow growth suggest areas for attention. Overall, the company is well-positioned in the banking industry with room for strategic leveraging to enhance growth.

Income Statement

Peoples Financial shows strong gross profit margins, consistently above 100% due to high revenue retention. The net profit margin saw a significant increase from the previous year, driven by reduced expenses. However, the revenue growth rate has been inconsistent, with a recent decline. The EBIT and EBITDA margins are not applicable for the most recent period, highlighting a potential area for improvement in operational efficiency.

Balance Sheet

The company exhibits a robust balance sheet with zero total debt in the latest report, enhancing financial stability. The equity ratio is solid, indicating strong equity financing relative to assets. Return on Equity (ROE) has significantly improved, reflecting higher profitability relative to equity. These factors suggest strong financial health, although the absence of leverage could limit potential growth.

Cash Flow

Peoples Financial has maintained positive free cash flow, though with some fluctuations in growth. The operating cash flow to net income ratio is healthy, indicating efficient cash management. However, the free cash flow to net income ratio has varied, suggesting potential volatility in cash generation relative to profitability.

Breakdown
Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
29.81M	33.64M	1.72M	25.93M	24.98M
	Gross Profit
29.81M	26.62M	1.72M	25.93M	24.98M
	EBIT
8.37M	17.24M	8.67M	8.64M	-2.75M
	EBITDA
0.00	12.84M	0.00	10.65M	-797.00K
	Net Income Common Stockholders
21.70M	9.17M	8.94M	8.91M	-2.75M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
20.29M	22.79M	383.00M	426.79M	271.67M
	Total Assets
831.85M	797.74M	861.64M	818.81M	668.03M
	Total Debt
0.00	18.50M	0.00	889.00K	969.00K
	Net Debt
-20.29M	-4.29M	-32.84M	-49.10M	-90.57M
	Total Liabilities
741.85M	728.46M	806.45M	889.00K	969.00K
	Stockholders Equity
90.00M	69.28M	55.19M	91.59M	94.87M
Cash Flow		Free Cash Flow
5.06M	6.51M	5.74M	2.64M	5.48M
	Operating Cash Flow
6.03M	9.05M	7.91M	4.58M	5.92M
	Investing Cash Flow
68.01M	62.38M	-104.23M	-196.25M	-14.77M
	Financing Cash Flow
10.91M	-81.47M	79.16M	150.11M	70.97M

Peoples Financial Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 19.40
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For PFBX, the sentiment is Negative. The current price of 19.4 is below the 20-day moving average (MA) of 19.66, below the 50-day MA of 19.49, and above the 200-day MA of 18.56, indicating a neutral trend. The MACD of 0.04 indicates Positive momentum. The RSI at 44.65 is Neutral, neither overbought nor oversold. The STOCH value of 33.33 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for PFBX.

Peoples Financial Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
MGYR	75 Outperform	$99.78M	10.61	8.11%	1.39%	20.91%	20.23%
PFBX	74 Outperform	$89.58M	4.46	24.95%	1.82%	-7.75%	130.68%
PROV	70 Outperform	$102.63M	16.11	5.09%	3.60%	5.62%	-5.99%
Sector *	64 Neutral	$12.82B	9.87	7.67%	17000.34%	12.39%	-5.85%
PBHC	54 Neutral	$93.23M	31.55	2.30%	2.63%	11.12%	―
FNWB	53 Neutral	$90.25M	―	-10.46%	2.93%	10.31%	-557.61%
BSBK	41 Neutral	$90.67M	―	-0.73%	―	-9.96%	-23.54%