Peoples Financial (PFBX) AI Stock Analysis

• Market Cap: $89.23M
• Dividend Yield: 1.87%
• Average Volume (3M): 885.00
• Price to Earnings (P/E): 4.1
• Beta (1Y): 0.15
• Revenue Growth: 1.63%
• EPS Growth: 137.62%
• Country: US
• Employees: 140
• Sector: Financial
• Sector Strength: 84
• Industry: Banking
• EPS (TTM): 4.66
• Shares Outstanding: 4,617,466
• 10 Day Avg. Volume: 119
• 30 Day Avg. Volume: 885
• PEG Ratio: 0.03
• Price to Book (P/B): N/A
• Price to Sales (P/S): 2.99
• Price to Cash Flow (P/CF): 9.70
• P/FCF Ratio: 9.70
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

Peoples Financial shows strong financial health and attractive valuation, supported by a robust balance sheet and low P/E ratio. While technical indicators are neutral, the company's financial stability and undervaluation suggest potential for future growth. The absence of earnings call and corporate events data limits additional insights.

Peoples Financial Business Overview & Revenue Model

Company Description

Peoples Financial Corporation (PFBX) is a bank holding company headquartered in Biloxi, Mississippi. It operates through its subsidiary, The Peoples Bank, which provides a wide range of financial services primarily to individuals and small to medium-sized businesses in the Mississippi Gulf Coast region. The bank offers traditional banking products, including personal and business checking accounts, savings accounts, and certificates of deposit, as well as loan products such as residential and commercial real estate loans, consumer loans, and business loans.

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 exhibits strong financial health with a high net profit margin and low leverage. However, a slight decline in revenue growth and a small dip in free cash flow affect the overall score.

Income Statement

Peoples Financial demonstrated strong performance in the TTM with a high net profit margin of 69.25%, indicating exceptional profitability. The EBIT margin stands at 42.42%, showing efficient operations. However, the revenue growth rate from the previous year turned negative, at -0.62%, reflecting a slight decline in revenue.

Balance Sheet

The balance sheet shows a robust equity ratio of 11.84%, indicating a solid capital base. The debt-to-equity ratio is low at 0.31, suggesting low financial leverage and reduced risk. Return on equity is high at 24.02%, showcasing effective utilization of shareholders' funds.

Cash Flow

Cash flow analysis reveals a stable operating cash flow to net income ratio of 0.29, indicating a decent conversion of net income to cash. The free cash flow growth rate is slightly negative, at -2.10%, suggesting minor declines in free cash flow generation compared to the previous year.

Breakdown
TTM	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019
Income Statement		Total Revenue
33.43M	33.64M	1.72M	25.93M	24.98M	24.05M
	Gross Profit
30.64M	26.62M	1.72M	25.93M	24.98M	24.05M
	EBIT
14.19M	17.24M	8.67M	8.64M	-2.75M	1.68M
	EBITDA
7.01M	12.84M	0.00	10.65M	-797.00K	3.59M
	Net Income Common Stockholders
23.16M	9.17M	8.94M	8.91M	-2.75M	1.68M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
239.30M	22.79M	383.00M	426.79M	271.67M	225.74M
	Total Assets
616.79M	797.74M	861.64M	818.81M	668.03M	594.70M
	Total Debt
36.14M	18.50M	0.00	889.00K	969.00K	3.53M
	Net Debt
18.95M	-4.29M	-32.84M	-49.10M	-90.57M	-25.90M
	Total Liabilities
529.85M	728.46M	806.45M	889.00K	969.00K	3.53M
	Stockholders Equity
86.93M	69.28M	55.19M	91.59M	94.87M	95.12M
Cash Flow		Free Cash Flow
6.38M	6.51M	5.74M	2.64M	5.48M	3.69M
	Operating Cash Flow
6.80M	9.05M	7.91M	4.58M	5.92M	4.15M
	Investing Cash Flow
27.39M	62.38M	-104.23M	-196.25M	-14.77M	38.21M
	Financing Cash Flow
-37.04M	-81.47M	79.16M	150.11M	70.97M	-30.13M

Peoples Financial Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 19.32
• 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 Positive. The current price of 19.32 is above the 20-day moving average (MA) of 19.30, below the 50-day MA of 19.36, and above the 200-day MA of 17.93, indicating a neutral trend. The MACD of >-0.01 indicates Positive momentum. The RSI at 51.14 is Neutral, neither overbought nor oversold. The STOCH value of 14.58 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for PFBX.

Peoples Financial Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
OSBC	73 Outperform	$762.65M	9.05	13.66%	1.30%	4.19%	-7.40%
PFBX	70 Outperform	$89.23M	4.13	27.25%	1.87%	1.63%	137.62%
CFFI	68 Neutral	$223.71M	11.68	8.95%	2.51%	10.65%	-12.80%
Sector *	64 Neutral	$14.59B	10.31	8.70%	4.21%	16.52%	-11.97%
FUNC	58 Neutral	$194.27M	9.64	12.06%	2.77%	16.51%	40.31%
MSBI	54 Neutral	$377.95M	12.51	-1.83%	7.02%	3.95%	-135.44%