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Peoples Financial (PFBX) AI Stock Analysis
Peoples Financial
(Other OTC:PFBX)
PFBX scores below average, driven primarily by deteriorating financial performance and an unattractive valuation. Revenue is contracting, margins are compressing, and the P/E of 28.4x is well above regional bank norms despite weakening fundamentals — this valuation disconnect is the most significant risk. The near-zero debt and strong equity base provide meaningful downside protection, preventing a lower score. Technical indicators are neutral-to-mildly positive, with the stock in a gentle uptrend but lacking strong momentum. The very low beta limits both upside and downside volatility. Overall, PFBX offers balance sheet safety but lacks the earnings growth, capital efficiency, and valuation support needed to warrant a higher score.
Peoples Financial (PFBX) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $110.82M
- Dividend Yield
- 1.50%
- Average Volume (3M)
- 1,105
- Price to Earnings (P/E)
- 26.7
- Beta (1Y)
- 0.15
- Revenue Growth
- -8.85%
- 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...
How the Company Makes Money
PFBX makes money primarily through its banking subsidiary by earning interest and fees from providing financial products and services. The core revenue stream is net interest income: the bank collects interest on loans and other interest-earning asse...
Peoples Financial Financial Statement Overview
Summary
Financial performance is weak overall. The income statement is the primary concern, with revenue declining -8.4% and net margins compressing to ~15.5% from normalized levels near 23.6%. The 2024 results were inflated by a likely one-time gain, masking an even weaker underlying trend. The balance sheet is a clear strength — virtually no debt and growing equity to $101.4M — but ROE has fallen to just 3.7%, indicating poor capital deployment. Cash flow generation is declining, with TTM operating cash flow of only $4.4M on a $771M asset base. The fortress balance sheet provides downside protection, but deteriorating revenue, margins, and cash flows weigh heavily on the score.
Income Statement
35NegativeBalance Sheet
68PositiveCash Flow
42Neutral| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 23.90M | 27.51M | 39.45M | 38.90M | 30.10M | 26.41M |
| Gross Profit | 27.79M | 27.51M | 29.97M | 33.02M | 27.86M | 31.25M |
| EBITDA | 5.72M | 6.44M | 10.12M | 12.90M | 8.20M | 10.65M |
| Net Income | 3.70M | 3.91M | 21.70M | 9.17M | 8.94M | 8.91M |
Balance Sheet | ||||||
| Total Assets | 771.02M | 729.24M | 831.85M | 797.74M | 861.64M | 818.95M |
| Cash, Cash Equivalents and Short-Term Investments | 356.48M | 162.07M | 416.39M | 362.27M | 383.00M | 426.79M |
| Total Debt | 38.50M | 800.00K | 0 | 18.50M | 0 | 889.00K |
| Total Liabilities | 669.32M | 628.58M | 741.85M | 728.46M | 806.45M | 727.22M |
| Stockholders Equity | 101.39M | 100.67M | 90.00M | 69.28M | 55.19M | 91.73M |
Cash Flow | ||||||
| Free Cash Flow | 4.37M | 4.20M | 5.06M | 6.51M | 5.74M | 2.64M |
| Operating Cash Flow | 4.44M | 4.50M | 6.03M | 9.05M | 7.91M | 4.58M |
| Investing Cash Flow | -1.07M | 24.50M | 68.01M | 62.38M | -104.23M | -196.25M |
| Financing Cash Flow | 2.30M | -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 24.00 is above the 20-day moving average (MA) of 23.92, below the 50-day MA of 24.01, and above the 200-day MA of 22.08, indicating a neutral trend. The MACD of -0.01 indicates Negative momentum. The RSI at 51.04 is Neutral, neither overbought nor oversold. The STOCH value of 74.60 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
AUBN77Outperform
LSBK75Outperform
PBHC58Neutral- PFBX46Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| AUBN | 77Outperform | $90.49M | 10.24 | 9.42% | 4.24% | -1.64% | 21.56% |
| LSBK | 75Outperform | $145.41M | 16.74 | 7.78% | 1.92% | 4.31% | 24.16% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| PBHC | 58Neutral | $106.74M | 2342.47 | -5.76% | 2.40% | -6.61% | -78.36% |
| PFBX | 46Neutral | $111.93M | 26.67 | 4.14% | 1.50% | -8.85% | -11.60% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| PFBX | Peoples Financial | 24.00 | 4.10 | 20.60% | |
| AUBN | Auburn National Bancorporation | 25.50 | 0.69 | 2.79% | |
| LSBK | Lake Shore Bancorp | 18.75 | 4.90 | 35.41% | |
| PBHC | Pathfinder | 16.95 | 2.22 | 15.08% |
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: Aug 17, 2026