Peoples Financial AI Stock Analysis
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Peoples Financial (PFBX) AI Stock Analysis
Peoples Financial
(Other OTC:PFBX)
The score is driven primarily by stable financial health—especially a conservative, low-leverage balance sheet—offset by weakening revenue momentum and uneven cash flow trends. Technicals are neutral-to-soft with slight near-term weakness, and valuation is a headwind due to a relatively high P/E and modest dividend yield.
Peoples Financial (PFBX) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $111.76M
- Dividend Yield
- 1.53%
- Average Volume (3M)
- 1,111
- Price to Earnings (P/E)
- 26.9
- Beta (1Y)
- 0.14
- Revenue Growth
- -3.34%
- EPS Growth
- -11.60%
- Country
- US
- Employees
- 131
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
Peoples Financial Business Overview & Revenue Model
Company Description
Peoples Financial Corporation functions as the bank holding company for The Peoples Bank, delivering a comprehensive suite of banking, financial, and trust services. These offerings cater to individuals, governmental bodies, and both small and commer...
Peoples Financial Financial Statement Overview
Summary
Financials appear stable but mixed: the balance sheet is conservatively positioned with minimal leverage (Balance Sheet Score 78), while profitability remains healthy yet has weakened versus prior periods amid TTM revenue decline (-5.95%) and notable year-to-year volatility (Income Statement Score 62). Cash flow remains positive with acceptable earnings quality, but free cash flow growth is sharply negative and choppy (Cash Flow Score 64).
Income Statement
62PositiveBalance Sheet
78PositiveCash Flow
64Positive| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 22.48M | 27.51M | 39.45M | 38.90M | 30.10M | 26.41M |
| Gross Profit | 28.66M | 27.51M | 29.97M | 33.02M | 27.86M | 31.25M |
| EBITDA | 5.48M | 6.44M | 10.12M | 12.90M | 8.20M | 10.65M |
| Net Income | 4.17M | 3.91M | 21.70M | 9.17M | 8.94M | 8.91M |
Balance Sheet | ||||||
| Total Assets | 775.54M | 729.24M | 831.85M | 797.74M | 861.64M | 818.95M |
| Cash, Cash Equivalents and Short-Term Investments | 343.18M | 162.07M | 416.39M | 362.27M | 383.00M | 426.79M |
| Total Debt | 0 | 800.00K | 0 | 18.50M | 0 | 889.00K |
| Total Liabilities | 677.30M | 628.58M | 741.85M | 728.46M | 806.45M | 727.22M |
| Stockholders Equity | 98.24M | 100.67M | 90.00M | 69.28M | 55.19M | 91.73M |
Cash Flow | ||||||
| Free Cash Flow | 4.34M | 4.20M | 5.06M | 6.51M | 5.74M | 2.64M |
| Operating Cash Flow | 4.12M | 4.50M | 6.03M | 9.05M | 7.91M | 4.58M |
| Investing Cash Flow | -47.55M | 24.50M | 68.01M | 62.38M | -104.23M | -196.25M |
| Financing Cash Flow | 16.91M | -117.16M | 10.91M | -81.47M | 79.16M | 150.11M |
Peoples Financial Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For PFBX, the sentiment is Positive. The current price of 24.20 is above the 20-day moving average (MA) of 23.68, above the 50-day MA of 23.84, and above the 200-day MA of 22.06, indicating a bullish trend. The MACD of 0.02 indicates Negative momentum. The RSI at 59.52 is Neutral, neither overbought nor oversold. The STOCH value of 56.64 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for PFBX.
Peoples Financial Risk Analysis
Peoples Financial disclosed 22 risk factors in its most recent earnings report. Peoples Financial reported the most risks in the "Finance & Corporate" category.
Latest Risks Added
0 New RisksPeoples Financial Peers Comparison
Overall Rating
LSBK79Outperform
AUBN73Outperform- PFBX62Neutral
PBHC58Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| LSBK | 79Outperform | $146.57M | 16.93 | 5.85% | 1.90% | 4.31% | 24.65% |
| AUBN | 73Outperform | $90.22M | 10.20 | 9.42% | 4.25% | 4.68% | 21.56% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| PFBX | 62Neutral | $109.73M | 26.89 | 4.16% | 1.53% | -3.34% | -11.60% |
| PBHC | 58Neutral | $104.85M | -42.33 | 0.08% | 2.38% | -6.61% | -78.36% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| PFBX | Peoples Financial | 24.20 | 4.10 | 20.38% | |
| AUBN | Auburn National Bancorporation | 25.41 | 1.26 | 5.23% | |
| LSBK | Lake Shore Bancorp | 18.96 | 5.01 | 35.88% | |
| PBHC | Pathfinder | 17.05 | 2.64 | 18.29% |
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.
Date of analysis: Nov 11, 2026