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

Peoples Financal (PFBX) reported diluted earnings per share of $0.85 for fiscal year 2025. This represents a -81.8% 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.

Peoples Financal Financials

PFBX

Source SEC Filings (10-K/10-Q) Updated Mar 18, 2026 Currency USD FYE March

This page shows Peoples Financal (PFBX) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 17 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 Cash-Backed

1.15x

For every $1 of reported earnings, Peoples Financal generates $1.15 in operating cash flow ($4.5M OCF vs $3.9M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$2.5M

Peoples Financal generated $2.5M in revenue in fiscal year 2025.

EBITDA

N/A

Net Income

$3.9M

YoY-82.0%

Peoples Financal reported $3.9M in net income in fiscal year 2025. This represents a decrease of 82.0% from the prior year.

EPS (Diluted)

$0.85

YoY-81.8%

Peoples Financal earned $0.85 per diluted share (EPS) in fiscal year 2025. This represents a decrease of 81.8% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$4.2M

5Y CAGR-5.2%

10Y CAGR-0.1%

Peoples Financal generated $4.2M in free cash flow in fiscal year 2025, representing cash available after capex.

Cash & Debt

$107.7M

YoY+0.0%

5Y CAGR+3.3%

10Y CAGR+13.1%

Peoples Financal held $107.7M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

$0.36

YoY-18.2%

5Y CAGR+78.3%

Peoples Financal paid $0.36 per share in dividends in fiscal year 2025. This represents a decrease of 18.2% from the prior year.

Shares Outstanding

YoY+0.0%

5Y CAGR-1.1%

10Y CAGR-1.0%

Peoples Financal had 5M shares outstanding in fiscal year 2025. This represents an increase of 0.0% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

156.4%

Peoples Financal's net profit margin was 156.4% in fiscal year 2025, showing the share of revenue converted to profit.

Return on Equity

3.9%

YoY-20.2pp

5Y CAGR+6.6pp

10Y CAGR+8.9pp

Peoples Financal's ROE was 3.9% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 20.2 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$792K

YoY+0.0%

5Y CAGR+1.5%

Peoples Financal spent $792K on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 0.0% from the prior year.

Capital Expenditures

$302K

5Y CAGR-7.3%

10Y CAGR-3.2%

Peoples Financal invested $302K in capex in fiscal year 2025, funding long-term assets and infrastructure.

PFBX Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$2.5M	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	$8.1M-15.5%	$9.6M+56.7%	$6.2M+185.2%	$2.2M+160.0%	$830K-47.5%	$1.6M
Income Tax	$900K+106.8%	-$13.3M-728.1%	$2.1M+187.2%	-$2.4M-4021.0%	$62K	$0
Net Income	$3.9M-82.0%	$21.7M+136.8%	$9.2M+2.5%	$8.9M+0.3%	$8.9M+448.4%	-$2.6M
EPS (Diluted)	$0.85-81.8%	$4.66+137.8%	$1.96+2.6%	$1.91	N/A	N/A

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
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+17.2%	$2.0M+5.3%	$1.9M	N/A	$2.6M-8.6%	$2.8M+24.9%	$2.2M	N/A
Income Tax	$143K-41.6%	$245K-34.7%	$375K	N/A	-$14.1M-6055.9%	-$229K-136.3%	$631K	N/A
Net Income	$643K-48.2%	$1.2M-5.2%	$1.3M	N/A	$15.4M+562.6%	$2.3M-3.6%	$2.4M	N/A
EPS (Diluted)	$0.14-48.1%	$0.27-3.6%	$0.28	N/A	$3.31+562.0%	$0.50-3.8%	$0.52	N/A

PFBX Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$727.1M-12.6%	$831.8M+4.3%	$797.7M-7.4%	$861.6M+5.2%	$819.0M+22.6%	$668.0M
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$107.7M0.0%	$107.7M+372.7%	$22.8M-30.6%	$32.8M-34.3%	$50.0M-45.4%	$91.5M
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	$626.5M-15.6%	$741.8M+1.8%	$728.5M-9.7%	$806.4M+10.9%	$727.2M+26.9%	$573.2M
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	$100.7M+11.9%	$90.0M+29.9%	$69.3M+25.5%	$55.2M-39.8%	$91.7M-3.1%	$94.7M
Retained Earnings	$58.7M+4.0%	$56.5M+50.3%	$37.6M+20.6%	$31.2M+34.9%	$23.1M+27.4%	$18.1M

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Total Assets	$758.1M-0.4%	$761.3M-12.1%	$866.6M+4.2%	$831.8M+2.2%	$814.2M-3.8%	$846.7M-9.2%	$932.6M+16.9%	$797.7M
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$41.9M+128.0%	$18.4M-80.7%	$95.4M-11.4%	$107.7M+155.0%	$42.3M+141.1%	$17.5M-83.8%	$108.1M+374.3%	$22.8M
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-1.0%	$664.8M-13.9%	$772.2M+4.1%	$741.8M+3.4%	$717.8M-7.1%	$772.5M-10.4%	$861.9M+18.3%	$728.5M
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+3.6%	$96.5M+2.2%	$94.5M+4.9%	$90.0M-6.6%	$96.4M+29.9%	$74.2M+5.0%	$70.7M+2.0%	$69.3M
Retained Earnings	$58.9M+1.1%	$58.2M+0.7%	$57.8M+2.3%	$56.5M-0.7%	$56.9M+37.2%	$41.5M+3.7%	$40.0M+6.4%	$37.6M

PFBX Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$4.5M-25.4%	$6.0M-33.3%	$9.1M+14.5%	$7.9M+72.5%	$4.6M-22.6%	$5.9M
Capital Expenditures	$302K	N/A	N/A	N/A	$1.9M+340.8%	$441K
Free Cash Flow	$4.2M	N/A	N/A	N/A	$2.6M-51.8%	$5.5M
Investing Cash Flow	$24.5M-64.0%	$68.0M+9.0%	$62.4M+159.8%	-$104.2M+46.9%	-$196.2M-1228.8%	-$14.8M
Financing Cash Flow	-$117.2M-1174.0%	$10.9M+113.4%	-$81.5M-202.9%	$79.2M-47.3%	$150.1M+111.5%	$71.0M
Dividends Paid	$1.7M-18.5%	$2.0M-17.5%	$2.5M+178.2%	$889K+15.6%	$769K+684.7%	$98K
Share Buybacks	$792K0.0%	$792K+280.8%	$208K	$0-100.0%	$3.4M+360.0%	$735K

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Operating Cash Flow	$985K+14.8%	$858K-28.0%	$1.2M-38.7%	$1.9M-15.1%	$2.3M+242.0%	$669K-41.1%	$1.1M-58.5%	$2.7M
Capital Expenditures	$48K-77.6%	$214K+1026.3%	$19K	N/A	$201K+6.3%	$189K-65.8%	$552K	N/A
Free Cash Flow	$937K+45.5%	$644K-45.1%	$1.2M	N/A	$2.1M+334.8%	$480K-17.7%	$583K	N/A
Investing Cash Flow	$29.3M-4.4%	$30.6M+168.4%	-$44.8M-209.5%	$40.9M-47.4%	$77.8M+23244.9%	-$336K+99.3%	-$50.3M-20228.4%	$250K
Financing Cash Flow	-$6.7M+93.8%	-$108.5M-447.1%	$31.3M+38.0%	$22.7M+140.9%	-$55.3M+39.1%	-$90.9M-167.6%	$134.5M+631.8%	-$25.3M
Dividends Paid	$0	N/A	N/A	$1.2M	$0	N/A	N/A	$1.9M
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$138K

PFBX Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
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	156.4%	N/A	N/A	N/A	N/A	N/A
Return on Equity	3.9%-20.2pp	24.1%+10.9pp	13.2%-3.0pp	16.2%+6.5pp	9.7%+12.4pp	-2.7%
Return on Assets	0.5%-2.1pp	2.6%+1.5pp	1.1%+0.1pp	1.0%-0.1pp	1.1%+1.5pp	-0.4%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	6.22-2.0	8.24-2.3	10.51-4.1	14.61+6.7	7.93+1.9	6.05
FCF Margin	168.0%	N/A	N/A	N/A	N/A	N/A

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
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%-0.7pp	1.3%-0.1pp	1.4%	N/A	16.0%+12.9pp	3.1%-0.3pp	3.4%	N/A
Return on Assets	0.1%-0.1pp	0.2%+0.0pp	0.1%	N/A	1.9%+1.6pp	0.3%+0.0pp	0.3%	N/A
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	6.58-0.3	6.89-1.3	8.17-0.1	8.24+0.8	7.45-3.0	10.41-1.8	12.20+1.7	10.51
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

What is Peoples Financal's annual revenue?

Peoples Financal (PFBX) reported $2.5M in total revenue for fiscal year 2025. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

Is Peoples Financal profitable?

Yes, Peoples Financal (PFBX) reported a net income of $3.9M in fiscal year 2025, with a net profit margin of 156.4%.

What is Peoples Financal's net profit margin?

Peoples Financal (PFBX) had a net profit margin of 156.4% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Peoples Financal pay dividends?

Yes, Peoples Financal (PFBX) paid $0.36 per share in dividends during fiscal year 2025.

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

Peoples Financal (PFBX) has a return on equity of 3.9% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Peoples Financal's free cash flow?

Peoples Financal (PFBX) generated $4.2M in free cash flow during fiscal year 2025. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Peoples Financal's operating cash flow?

Peoples Financal (PFBX) generated $4.5M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Peoples Financal's total assets?

Peoples Financal (PFBX) had $727.1M in total assets as of fiscal year 2025, including both current and long-term assets.

What are Peoples Financal's capital expenditures?

Peoples Financal (PFBX) invested $302K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Peoples Financal buy back shares?

Yes, Peoples Financal (PFBX) spent $792K on share buybacks during fiscal year 2025, 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 2025.

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

Peoples Financal (PFBX) had a debt-to-equity ratio of 6.22 as of fiscal year 2025, 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 0.5% for fiscal year 2025, 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 1.15x, considered cash-backed (high quality). 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.