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Peoples Financial
(OTC:PFBX)
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Rating:69Neutral
Price Target:
$26.00
â–²(15.15% Upside)
Action:Reiterated
Date:05/14/26
The score is primarily driven by strong balance-sheet strength and decent cash-flow quality, which reduce financial risk. This is tempered by weakening recent fundamentals (revenue decline and lower ROE) and a largely neutral technical setup. Valuation is moderate with a modest dividend yield, while corporate governance news is mildly supportive.
Positive Factors
Conservative balance sheet
Essentially no debt and a stable equity base materially lower financial risk and provide durable flexibility. This conservative capital structure supports lending through downturns, cushions credit losses, and enables strategic actions (capital returns or selective acquisitions) without forcing distress financing.
Negative Factors
Declining revenue trend
A persistent top-line decline compresses long-term growth optionality and can limit reinvestment in products or branches. If loan demand or fee volumes remain weak, sustaining growth and offsetting margin pressures becomes harder, challenging the bank's ability to expand earnings sustainably.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative balance sheet
Essentially no debt and a stable equity base materially lower financial risk and provide durable flexibility. This conservative capital structure supports lending through downturns, cushions credit losses, and enables strategic actions (capital returns or selective acquisitions) without forcing distress financing.
Read all positive factors
Peoples Financial (PFBX) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$105.05M
Dividend Yield1.57%
Average Volume (3M)613.00
Price to Earnings (P/E)28.4
Beta (1Y)0.12
Revenue Growth-11.06%
EPS Growth-80.88%
CountryUS
Employees131
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.80
Shares Outstanding4,617,466
10 Day Avg. Volume158
30 Day Avg. Volume613
Financial Highlights & Ratios
PEG Ratio-0.29
Price to Book (P/B)0.93
Price to Sales (P/S)3.42
P/FCF Ratio22.38
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
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 com...
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 a...
Peoples Financial Financial Statement Overview
Summary
Income Statement
62
Positive
Balance Sheet
83
Very Positive
Cash Flow
74
Positive
| 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 | 5.66M | 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 | 0.00 | 729.24M | 831.85M | 797.74M | 861.64M | 818.95M |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 162.07M | 416.39M | 362.27M | 383.00M | 426.79M |
| Total Debt | 0.00 | 800.00K | 0.00 | 18.50M | 0.00 | 889.00K |
| Total Liabilities | -101.39M | 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 | 3.42M | 4.20M | 5.06M | 6.51M | 5.74M | 2.64M |
| Operating Cash Flow | 3.72M | 4.50M | 6.03M | 9.05M | 7.91M | 4.58M |
| Investing Cash Flow | 14.24M | 24.50M | 68.01M | 62.38M | -104.23M | -196.25M |
| Financing Cash Flow | 21.05M | -117.16M | 10.91M | -81.47M | 79.16M | 150.11M |
Peoples Financial Technical Analysis
Positive
22.58
Price Trends
22.14
Positive
21.60
Positive
21.03
Positive
Market Momentum
0.26
Positive
54.21
Neutral
45.89
Neutral
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 22.58 is below the 20-day moving average (MA) of 22.70, above the 50-day MA of 22.14, and above the 200-day MA of 21.03, indicating a bullish trend. The MACD of 0.26 indicates Positive momentum. The RSI at 54.21 is Neutral, neither overbought nor oversold. The STOCH value of 45.89 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
76 Outperform | $91.93M | 11.04 | 9.12% | 4.06% | 4.58% | 26.05% | |
75 Outperform | $134.69M | 15.38 | 6.50% | 2.09% | 5.96% | 49.37% | |
69 Neutral | $105.05M | 28.44 | 3.72% | 1.59% | -11.06% | -80.88% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
56 Neutral | $101.67M | -81.25 | -1.08% | 2.50% | -7.07% | 151.23% |
* Financial Sector Average
PFBX
Peoples Financial
22.88
3.38
17.32%
AUBN
Auburn National Bancorporation
26.60
0.82
3.17%
LSBK
Lake Shore Bancorp
17.23
4.78
38.34%
PBHC
Pathfinder Bancorp
16.25
2.28
16.28%
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.