Peoples Financial (PFBX) AI Stock Analysis

• Market Cap: $94.06M
• Dividend Yield: 2.19%
• Average Volume (3M): 613.00
• Price to Earnings (P/E): 4.9
• Beta (1Y): 0.23
• Revenue Growth: -6.17%
• EPS Growth: 133.57%
• Country: US
• Employees: 131
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.27
• Shares Outstanding: 4,617,466
• 10 Day Avg. Volume: 158
• 30 Day Avg. Volume: 613
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: 0.79
• Enterprise Value/Revenue: 2.25
• Enterprise Value/Gross Profit: 2.53
• Enterprise Value/Ebitda: 9.52
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 74 Outperform
• Price Target: ―

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 operates as the bank holding company for The Peoples Bank that provides banking, financial, and trust services to government entities, individuals, and small and commercial businesses in Mississippi. It accepts various deposits, such as interest and non-interest-bearing checking accounts, savings accounts, certificates of deposit, and individual retirement accounts (IRAs). The company also offers business, commercial, real estate, construction, personal, and instalment loans; and personal trust, agencies, and estate services, including living and testamentary trusts, executorships, guardianships, and conservatorships. In addition, it provides self-directed IRAs; and escrow management, stock transfer, and bond paying agency accounts to corporate customers. Further, the company offers various other services consisting of safe deposit box rental, wire transfer, night drop facilities, collection, cash management, and internet banking services. As of December 31, 2021, the company operated through 17 branches located in Harrison, Hancock, Jackson, and Stone counties. It also has 28 automated teller machines at its branch locations, as well as other off-site and non-proprietary locations. The company was founded in 1896 and is headquartered in Biloxi, Mississippi.

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	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	32.90M	30.63M	33.64M	1.72M	25.93M	24.98M
Gross Profit	29.29M	29.97M	26.62M	1.72M	25.93M	24.98M
EBITDA	7.77M	0.00	12.84M	0.00	10.65M	-797.00K
Net Income	19.51M	21.70M	9.17M	8.94M	8.91M	-2.75M
Balance Sheet
Total Assets	761.34M	831.85M	797.74M	861.64M	818.81M	668.03M
Cash, Cash Equivalents and Short-Term Investments	355.35M	20.29M	22.79M	383.00M	426.79M	271.67M
Total Debt	0.00	0.00	18.50M	0.00	889.00K	969.00K
Total Liabilities	664.83M	741.85M	728.46M	806.45M	889.00K	969.00K
Stockholders Equity	96.51M	90.00M	69.28M	55.19M	91.59M	94.87M
Cash Flow
Free Cash Flow	6.84M	5.06M	6.51M	5.74M	2.64M	5.48M
Operating Cash Flow	6.28M	6.03M	9.05M	7.91M	4.58M	5.92M
Investing Cash Flow	104.50M	68.01M	62.38M	-104.23M	-196.25M	-14.77M
Financing Cash Flow	-109.93M	10.91M	-81.47M	79.16M	150.11M	70.97M

Peoples Financial Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 20.37
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For PFBX, the sentiment is Neutral. The current price of 20.37 is below the 20-day moving average (MA) of 20.57, above the 50-day MA of 20.25, and above the 200-day MA of 19.67, indicating a neutral trend. The MACD of 0.02 indicates Positive momentum. The RSI at 48.73 is Neutral, neither overbought nor oversold. The STOCH value of 14.43 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for PFBX.

Peoples Financial Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
PFBX	74 Outperform	$94.06M	4.86	22.86%	2.19%	-6.17%	133.57%
IROQ	69 Neutral	$84.83M	18.53	5.53%	1.58%	6.61%	139.05%
AUBN	68 Neutral	$87.67M	13.17	8.25%	4.14%	27.65%	996.66%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
LSBK	65 Neutral	$97.96M	16.92	6.43%	2.77%	1.31%	33.35%
CFSB	54 Neutral	$92.53M	―	-0.35%	―	11.64%	-913.46%
PBHC	49 Neutral	$92.90M	161.41	2.33%	2.62%	8.19%	―