Peoples Financal Financials

PFBX

Source SEC Filings (10-K/10-Q) Updated Sep 30, 2025 Currency USD FYE December

This page shows Peoples Financal (PFBX) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 16 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Piotroski F-Score Neutral

4/9

Peoples Financal passes 4 of 9 financial strength tests. 3 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass.

Earnings Quality Low Quality

0.28x

For every $1 of reported earnings, Peoples Financal generates $0.28 in operating cash flow ($6.0M OCF vs $21.7M net income). This low ratio suggests earnings are primarily driven by accounting accruals rather than cash generation, which may not be sustainable.

Key Financial Metrics

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Revenue

N/A

EBITDA

N/A

Free Cash Flow

N/A

Net Income

$21.7M

YoY+136.8%

5Y CAGR+66.8%

Peoples Financal reported $21.7M in net income in fiscal year 2024. This represents an increase of 136.8% from the prior year.

EPS (Diluted)

$4.66

YoY+137.8%

Peoples Financal earned $4.66 per diluted share (EPS) in fiscal year 2024. This represents an increase of 137.8% from the prior year.

Cash & Debt

$107.7M

YoY+372.7%

5Y CAGR+29.6%

10Y CAGR+16.4%

Peoples Financal held $107.7M in cash against $0 in long-term debt as of fiscal year 2024.

Dividends Per Share

$0.44

YoY-17.0%

5Y CAGR+71.1%

10Y CAGR+16.0%

Peoples Financal paid $0.44 per share in dividends in fiscal year 2024. This represents a decrease of 17.0% from the prior year.

Shares Outstanding

YoY-0.9%

5Y CAGR-1.4%

10Y CAGR-1.0%

Peoples Financal had 5M shares outstanding in fiscal year 2024. This represents a decrease of 0.9% from the prior year.

Gross Margin

N/A

Operating Margin

N/A

Net Margin

N/A

Return on Equity

24.1%

YoY+10.9pp

5Y CAGR+22.3pp

Peoples Financal's ROE was 24.1% in fiscal year 2024, measuring profit generated per dollar of shareholder equity. This is up 10.9 percentage points from the prior year.

R&D Spending

N/A

Share Buybacks

$792K

YoY+280.8%

Peoples Financal spent $792K on share buybacks in fiscal year 2024, returning capital to shareholders by reducing shares outstanding. This represents an increase of 280.8% from the prior year.

Capital Expenditures

N/A

PFBX Income Statement

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$9.6M+56.7%	$6.2M+185.2%	$2.2M+160.0%	$830K-47.5%	$1.6M-51.3%	$3.2M
Income Tax	-$13.3M-728.1%	$2.1M+187.2%	-$2.4M-4021.0%	$62K	$0	$0
Net Income	$21.7M+136.8%	$9.2M+2.5%	$8.9M+0.3%	$8.9M+448.4%	-$2.6M-252.4%	$1.7M
EPS (Diluted)	$4.66+137.8%	$1.96+2.6%	$1.91	N/A	N/A	N/A

Metric	Q3'25	Q3'24	Q4'23	Q3'23	Q4'22	Q3'22	Q4'21	Q3'21
Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$2.3M-8.5%	$2.6M	N/A	$1.5M	N/A	$801K	N/A	$155K
Income Tax	$143K+101.0%	-$14.1M	N/A	$328K	N/A	$0	N/A	$204K
Net Income	$643K-95.8%	$15.4M	N/A	$1.9M	N/A	$1.8M	N/A	$1.1M
EPS (Diluted)	$0.14-95.8%	$3.31	N/A	$0.41	N/A	N/A	N/A	N/A

PFBX Balance Sheet

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Total Assets	$831.8M+4.3%	$797.7M-7.4%	$861.6M+5.2%	$819.0M+22.6%	$668.0M+12.3%	$594.7M
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$107.7M+372.7%	$22.8M-30.6%	$32.8M-34.3%	$50.0M-45.4%	$91.5M+211.1%	$29.4M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$741.8M+1.8%	$728.5M-9.7%	$806.4M+10.9%	$727.2M+26.9%	$573.2M+14.7%	$499.6M
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$90.0M+29.9%	$69.3M+25.5%	$55.2M-39.8%	$91.7M-3.1%	$94.7M-0.5%	$95.1M
Retained Earnings	$56.5M+50.3%	$37.6M+20.6%	$31.2M+34.9%	$23.1M+27.4%	$18.1M-17.0%	$21.9M

Metric	Q3'25	Q3'24	Q4'23	Q3'23	Q4'22	Q3'22	Q4'21	Q3'21
Total Assets	$758.1M-8.9%	$831.8M+4.3%	$797.7M-1.6%	$810.4M-5.9%	$861.6M-2.3%	$882.1M+7.7%	$819.0M-0.8%	$825.3M
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$41.9M-61.1%	$107.7M+372.7%	$22.8M-49.5%	$45.1M+37.4%	$32.8M+88.0%	$17.5M-65.1%	$50.0M-25.3%	$67.0M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$658.1M-11.3%	$741.8M+1.8%	$728.5M-3.0%	$751.3M-6.8%	$806.4M-3.4%	$834.5M+14.7%	$727.2M-0.2%	$728.8M
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$100.0M+11.1%	$90.0M+29.9%	$69.3M+17.2%	$59.1M+7.1%	$55.2M+10.5%	$50.0M-45.5%	$91.7M-2.8%	$94.4M
Retained Earnings	$58.9M+4.2%	$56.5M+50.3%	$37.6M-0.8%	$37.9M+21.6%	$31.2M+17.6%	$26.5M+14.6%	$23.1M+5.2%	$22.0M

PFBX Cash Flow Statement

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Operating Cash Flow	$6.0M-33.3%	$9.1M+14.5%	$7.9M+72.5%	$4.6M-22.6%	$5.9M+42.7%	$4.1M
Capital Expenditures	N/A	N/A	N/A	$1.9M+340.8%	$441K-3.3%	$456K
Free Cash Flow	N/A	N/A	N/A	$2.6M-51.8%	$5.5M+48.4%	$3.7M
Investing Cash Flow	$68.0M+9.0%	$62.4M+159.8%	-$104.2M+46.9%	-$196.2M-1228.8%	-$14.8M-138.7%	$38.2M
Financing Cash Flow	$10.9M+113.4%	-$81.5M-202.9%	$79.2M-47.3%	$150.1M+111.5%	$71.0M+335.6%	-$30.1M
Dividends Paid	$2.0M-17.5%	$2.5M+178.2%	$889K+15.6%	$769K+684.7%	$98K-33.8%	$148K
Share Buybacks	$792K+280.8%	$208K	$0-100.0%	$3.4M+360.0%	$735K	N/A

Metric	Q3'25	Q3'24	Q4'23	Q3'23	Q4'22	Q3'22	Q4'21	Q3'21
Operating Cash Flow	$985K-49.3%	$1.9M-29.0%	$2.7M+8.8%	$2.5M-34.3%	$3.8M+74.2%	$2.2M+30.3%	$1.7M+0.3%	$1.7M
Capital Expenditures	$48K-76.1%	$201K	N/A	N/A	N/A	$763K+30.9%	$583K+14.8%	$508K
Free Cash Flow	$937K-55.1%	$2.1M	N/A	N/A	N/A	$1.4M+30.1%	$1.1M-6.0%	$1.2M
Investing Cash Flow	$29.3M-28.4%	$40.9M+16258.8%	$250K-99.6%	$61.5M+54.7%	$39.8M+221.4%	-$32.8M-137.3%	-$13.8M+82.7%	-$79.9M
Financing Cash Flow	-$6.7M-129.7%	$22.7M+189.6%	-$25.3M+68.5%	-$80.3M-184.8%	-$28.2M-207.7%	$26.2M+639.1%	-$4.9M-108.5%	$57.0M
Dividends Paid	$0-100.0%	$1.2M-37.2%	$1.9M	$0-100.0%	$468K	$0-100.0%	$281K	$0
Share Buybacks	N/A	N/A	$138K	N/A	$0	N/A	N/A	N/A

PFBX Financial Ratios

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	N/A	N/A	N/A	N/A	N/A	N/A
Return on Equity	24.1%+10.9pp	13.2%-3.0pp	16.2%+6.5pp	9.7%	N/A	1.8%
Return on Assets	2.6%+1.5pp	1.1%+0.1pp	1.0%-0.1pp	1.1%+1.5pp	-0.4%-0.7pp	0.3%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	8.24-2.3	10.51-4.1	14.61+6.7	7.93+1.9	6.05+0.8	5.25
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q3'25	Q3'24	Q4'23	Q3'23	Q4'22	Q3'22	Q4'21	Q3'21
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Equity	0.6%-15.4pp	16.0%	N/A	3.2%	N/A	3.6%	N/A	1.2%
Return on Assets	0.1%-1.8pp	1.9%	N/A	0.2%	N/A	0.2%	N/A	0.1%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	6.58-1.7	8.24-2.3	10.51-2.2	12.71-1.9	14.61-2.1	16.70+8.8	7.93+0.2	7.72
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

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Frequently Asked Questions

Is Peoples Financal profitable?

Yes, Peoples Financal (PFBX) reported a net income of $21.7M in fiscal year 2024.

What is Peoples Financal's earnings per share (EPS)?

Peoples Financal (PFBX) reported diluted earnings per share of $4.66 for fiscal year 2024. This represents a 137.8% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Does Peoples Financal pay dividends?

Yes, Peoples Financal (PFBX) paid $0.44 per share in dividends during fiscal year 2024.

What is Peoples Financal's return on equity (ROE)?

Peoples Financal (PFBX) has a return on equity of 24.1% for fiscal year 2024, measuring how efficiently the company generates profit from shareholder equity.

What is Peoples Financal's operating cash flow?

Peoples Financal (PFBX) generated $6.0M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.

What are Peoples Financal's total assets?

Peoples Financal (PFBX) had $831.8M in total assets as of fiscal year 2024, including both current and long-term assets.

Does Peoples Financal buy back shares?

Yes, Peoples Financal (PFBX) spent $792K on share buybacks during fiscal year 2024, returning capital to shareholders by reducing shares outstanding.

How many shares does Peoples Financal have outstanding?

Peoples Financal (PFBX) had 5M shares outstanding as of fiscal year 2024.

What is Peoples Financal's debt-to-equity ratio?

Peoples Financal (PFBX) had a debt-to-equity ratio of 8.24 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Peoples Financal's return on assets (ROA)?

Peoples Financal (PFBX) had a return on assets of 2.6% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.

What is Peoples Financal's Piotroski F-Score?

Peoples Financal (PFBX) has a Piotroski F-Score of 4 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Peoples Financal's earnings high quality?

Peoples Financal (PFBX) has an earnings quality ratio of 0.28x, considered low quality (accrual-driven). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.