Peoples Financial (PFBX) AI Stock Analysis

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Peoples Financial

(Other OTC:PFBX)

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Rating:55Neutral

Price Target:$24.00▼(-0.84% Downside)

Action:reiterated

Date:11/11/26

Moderate score driven mainly by financial challenges from declining revenue despite balance sheet strength, with neutral technicals and stretched valuation as secondary factors.

Positive Factors

Conservative balance sheetMinimal leverage and a sizable equity base provide financial resilience for a community bank. This structure can reduce balance-sheet stress, preserve flexibility during weaker operating periods, and support continued lending and banking activity without relying heavily on debt funding.

Negative Factors

Declining revenue trendThe continued revenue decline points to weaker business momentum rather than a single isolated period. If the trend persists, it could constrain earnings expansion, reduce operating leverage, and make it harder for the company to grow its banking franchise over the next several quarters.

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

Stable balance sheet with low leverage and positive cash flows provide support, but sharp revenue declines and volatile earnings limit the score.

Income Statement

45Neutral

Balance Sheet

72Positive

Cash Flow

58Neutral

Financial statement breakdown
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

Technical Analysis SentimentPositive

Last Price24.20

Price Trends

50DMA23.84Positive

100DMA23.11Positive

200DMA22.06Positive

Market Momentum

MACD0.02Negative

RSI59.52Neutral

STOCH56.64Neutral

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.

Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy

Latest Risks Added

0 New Risks

Peoples Financial Peers Comparison

Overall Rating

UnderperformOutperform

Sector (68)

Financial Indicators

PFBX against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
LSBK	79Outperform	$146.34M	16.93	5.85%	1.90%	4.31%	24.65%
AUBN	73Outperform	$88.41M	10.20	9.42%	4.25%	4.68%	21.56%
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
PBHC	58Neutral	$107.04M	-42.33	0.08%	2.38%	-6.61%	-78.36%
PFBX	55Neutral	$111.76M	26.89	4.16%	1.53%	-3.34%	-11.60%

* Financial Sector Average

Performance Comparison

PFBX and its peers over the selected period
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%

Glossary

BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

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

Peoples Financial AI Stock Analysis