Peoples Financial (PFBX) AI Stock Analysis

• Market Cap: $97.01M
• Dividend Yield: 1.76%
• Average Volume (3M): 613.00
• Price to Earnings (P/E): 24.0
• Beta (1Y): 0.10
• Revenue Growth: -7.99%
• EPS Growth: -78.22%
• Country: US
• Employees: 131
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): N/A
• Shares Outstanding: 4,617,466
• 10 Day Avg. Volume: 158
• 30 Day Avg. Volume: 613
• PEG Ratio: -0.29
• Price to Book (P/B): 0.93
• Price to Sales (P/S): 3.42
• P/FCF Ratio: 22.38
• Enterprise Value/Market Cap: 0.81
• Enterprise Value/Revenue: 2.84
• Enterprise Value/Gross Profit: 2.84
• Enterprise Value/Ebitda: 12.15
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 58 Neutral
• Price Target: $22.50 ▲(9.12% Upside)
• Action: Reiterated Date: 03/19/26
• Date: Action: Reiterated 03/19/26

The score is primarily driven by mixed financial performance: solid profitability and cash generation but weakened 2025 revenue/profitability and volatile equity/returns. Technicals are moderately supportive with price above key moving averages and positive MACD. Valuation is the main drag due to a high P/E and only modest dividend yield.

Positive Factors

Community banking franchise and local deposit base

A focused community bank model yields durable local deposit funding and deep customer relationships. This supports stable low-cost core deposits, consistent loan origination in commercial and consumer niches, and long-term revenue resilience versus more volatile wholesale-funded competitors.

Negative Factors

Sharp 2025 revenue decline and weaker margin

A large revenue drop and step-down in net margin indicate earnings vulnerability and impaired momentum, reducing predictability of core net interest income and fee revenue. If sustained, this compresses internal capital generation and constrains reinvestment or credit expansion over months.

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 variou...

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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 variou...

How the Company Makes Money

Peoples Financial primarily earns money through traditional community banking activities. A key revenue stream is net interest income: the bank collects interest and fees on loans (such as commercial real estate, commercial, residential mortgage, ...

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Peoples Financial primarily earns money through traditional community banking activities. A key revenue stream is net interest income: the bank collects interest and fees on loans (such as commercial real estate, commercial, residential mortgage, ...

Peoples Financial Financial Statement Overview

Breakdown	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	27.51M	39.45M	38.90M	30.10M	26.41M
Gross Profit	27.51M	29.97M	33.02M	27.86M	31.25M
EBITDA	6.44M	10.12M	12.90M	8.20M	10.65M
Net Income	3.91M	21.70M	9.17M	8.94M	8.91M
Balance Sheet
Total Assets	729.24M	831.85M	797.74M	861.64M	818.95M
Cash, Cash Equivalents and Short-Term Investments	162.07M	416.39M	362.27M	383.00M	426.79M
Total Debt	800.00K	0.00	18.50M	0.00	889.00K
Total Liabilities	628.58M	741.85M	728.46M	806.45M	727.22M
Stockholders Equity	100.67M	90.00M	69.28M	55.19M	91.73M
Cash Flow
Free Cash Flow	4.20M	5.06M	6.51M	5.74M	2.64M
Operating Cash Flow	4.50M	6.03M	9.05M	7.91M	4.58M
Investing Cash Flow	24.50M	68.01M	62.38M	-104.23M	-196.25M
Financing Cash Flow	-117.16M	10.91M	-81.47M	79.16M	150.11M

Peoples Financial Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 20.62
• 50DMA: Negative
• 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 20.62 is below the 20-day moving average (MA) of 21.21, below the 50-day MA of 21.06, and above the 200-day MA of 20.35, indicating a neutral trend. The MACD of <0.01 indicates Positive momentum. The RSI at 46.08 is Neutral, neither overbought nor oversold. The STOCH value of 15.65 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
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
AUBN	66 Neutral	$81.03M	12.98	8.27%	4.16%	24.17%	739.42%
LSBK	63 Neutral	$118.70M	15.00	6.26%	2.12%	2.27%	66.15%
PFBX	58 Neutral	$97.01M	24.04	1.46%	1.76%	-7.99%	-78.22%
PBHC	51 Neutral	$82.62M	-25.99	-2.75%	2.86%	0.84%	―