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Peach trees need to be pruned and thinned well to produce fruit. If your tree is at least 3 years old and it carries the immature fruit throughout the season, that may be your problem. This article will help: https://www.gardeningknowhow.com/edible/fruits/peach/peach-tree-thinning.htm

This can be a sign of plant stress caused by any number of issues, from disease to too much water. However, it is more prevalent among poorly watered trees--either too much or too little. Don't fertilize trees at this state, especially when droopy looking. Try too keep the roots moist but not wet. Don't water more than once a week but when you do, soak the soil deeply. Then just wait. There are no guarantees that this will fix the problem.

Here is an article that you may find helpful: https://www.gardeningknowhow.com/edible/fruits/peach/common-peach-diseases.htm

In terms of organic, neem is considered to be one of the best because it is both a fungicide and an insecticide and one of the few insecticides that will not harm bees.

You can also try citrus oil. It is generally considered not to be as effective, but does treat both. You can also look for sprays that combine both neem and citrus for a little extra oomph.

They may just need some more time. Different varieties have different needs. If they look healthy and seem to be maturing, you just need to be patient.

Deciding when to harvest peaches is a matter of personal preference. While most people prefer tree-ripened fruit, fruit at this stage has an extremely short shelf life. Therefore, it may be better to pick the fruit two to four days before it is fully ripe. Here are some things to look for when harvesting peaches: When the fruit is easily pulled off the twigs, then it is probably ripe. You should feel a certain amount of movement when you press into the flesh of the peach with your fingers. When peaches change from green to an orange tint, they are nearly ripe. Ripe peaches will give off a pleasant, peachy smell.

These articles should help you with growing and harvesting peaches: https://www.gardeningknowhow.com/edible/fruits/peach/peach-tree-care.htm