Peoples Financal Financials
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).
FY2025 showed balance-sheet repair overpowering earnings momentum, as the company reduced leverage faster than it rebuilt profit.
FY2024's earnings spike looks less like a lasting improvement than a one-year accounting lift: net income reached$21.7M even though operating cash flow was only$6.0M . By FY2025, profit fell back, but balance-sheet repair continued as liabilities shrank and the debt-to-equity ratio improved from 8.2x to 6.2x, so the business exited the year structurally less levered than the income line alone suggests.
Free cash flow of
Because the company operates with high leverage, small changes in asset-level profitability can create much larger swings in shareholder returns. Return on assets moved from
Financial Health Signals
Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →
Health score ≠ stock price. This rates the quality of Peoples Financal's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Peoples Financal has elevated debt relative to equity (D/E of 6.22), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.
Peoples Financal's ROE of 3.9% shows moderate profitability relative to equity, earning a score of 37/100. This is down from 24.1% the prior year.
Peoples Financal passes 4 of 9 financial strength tests. 3 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass.
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
Earnings & Revenue
Peoples Financal reported $3.9M in net income in fiscal year 2025. This represents a decrease of 82.0% from the prior year.
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
Peoples Financal generated $4.2M in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 16.9% from the prior year.
Peoples Financal held $19.6M in cash against $0 in long-term debt as of fiscal year 2025.
Peoples Financal paid $0.36 per share in dividends in fiscal year 2025. This represents a decrease of 18.2% from the prior year.
Peoples Financal had 5M shares outstanding in fiscal year 2025. This represents an increase of 0.0% from the prior year.
Margins & Returns
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
Peoples Financal invested $302K in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 69.1% from the prior year.
PFBX Income Statement
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $640K | 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 | $2.7M | N/A | $2.8M+2.8% | $2.7M+0.5% | $2.7M | N/A | $2.8M+3.7% | $2.7M |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $1.8M | N/A | $2.3M+17.2% | $2.0M+5.3% | $1.9M | N/A | $2.6M-8.6% | $2.8M |
| Income Tax | $402K | N/A | $143K-41.6% | $245K-34.7% | $375K | N/A | -$14.1M-6055.9% | -$229K |
| Net Income | $1.4M | N/A | $643K-48.2% | $1.2M-5.2% | $1.3M | N/A | $15.4M+562.6% | $2.3M |
| EPS (Diluted) | $0.31 | N/A | $0.14-48.1% | $0.27-3.6% | $0.28 | N/A | $3.31+562.0% | $0.50 |
PFBX Balance Sheet
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $788.3M+8.4% | $727.1M-4.1% | $758.1M-0.4% | $761.3M-12.1% | $866.6M+4.2% | $831.8M+2.2% | $814.2M-3.8% | $846.7M |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $57.4M+193.1% | $19.6M-53.3% | $41.9M+128.0% | $18.4M-80.7% | $95.4M-11.4% | $107.7M+155.0% | $42.3M+141.1% | $17.5M |
| 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 | $686.9M+9.6% | $626.5M-4.8% | $658.1M-1.0% | $664.8M-13.9% | $772.2M+4.1% | $741.8M+3.4% | $717.8M-7.1% | $772.5M |
| 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 | $101.4M+0.7% | $100.7M+0.7% | $100.0M+3.6% | $96.5M+2.2% | $94.5M+4.9% | $90.0M-6.6% | $96.4M+29.9% | $74.2M |
| Retained Earnings | $60.2M+2.5% | $58.7M-0.2% | $58.9M+1.1% | $58.2M+0.7% | $57.8M+2.3% | $56.5M-0.7% | $56.9M+37.2% | $41.5M |
PFBX Cash Flow Statement
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $1.3M-13.8% | $1.5M+49.1% | $985K+14.8% | $858K-28.0% | $1.2M-38.7% | $1.9M-15.1% | $2.3M+242.0% | $669K |
| Capital Expenditures | $230K+995.2% | $21K-56.3% | $48K-77.6% | $214K+1026.3% | $19K-45.7% | $35K-82.6% | $201K+6.3% | $189K |
| Free Cash Flow | $1.0M-28.4% | $1.4M+54.5% | $937K+45.5% | $644K-45.1% | $1.2M-38.5% | $1.9M-8.6% | $2.1M+334.8% | $480K |
| Investing Cash Flow | -$24.4M-359.9% | $9.4M-67.9% | $29.3M-4.4% | $30.6M+168.4% | -$44.8M-209.5% | $40.9M-47.4% | $77.8M+23244.9% | -$336K |
| Financing Cash Flow | $61.0M+283.7% | -$33.2M-392.6% | -$6.7M+93.8% | -$108.5M-447.1% | $31.3M+38.0% | $22.7M+140.9% | -$55.3M+39.1% | -$90.9M |
| Dividends Paid | N/A | $831K | $0 | N/A | N/A | $1.2M | $0 | N/A |
| Share Buybacks | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
PFBX Financial Ratios
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| 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 | 225.9% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Return on Equity | 1.4% | N/A | 0.6%-0.7pp | 1.3%-0.1pp | 1.4% | N/A | 16.0%+12.9pp | 3.1% |
| Return on Assets | 0.2% | N/A | 0.1%-0.1pp | 0.2%+0.0pp | 0.1% | N/A | 1.9%+1.6pp | 0.3% |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 6.77+0.6 | 6.22-0.4 | 6.58-0.3 | 6.89-1.3 | 8.17-0.1 | 8.24+0.8 | 7.45-3.0 | 10.41 |
| FCF Margin | 162.0% | 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 $3.9M in fiscal year 2025.
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. This represents a -16.9% change compared to the previous fiscal year. 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.
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 to 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.
How financially healthy is Peoples Financal?
Peoples Financal (PFBX) scores 6 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.