What is PEOPLES FINCL CORP MISS's earnings per share (EPS)?

PEOPLES FINCL CORP MISS (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 FINCL CORP MISS (PFBX) Financials

PFBX

Trailing 12 months to June 30, 2026

Revenue $27.2M -6.0% YoY

Net Income $3.7M -81.0% YoY

EPS (Diluted) $0.85 FY2025 annual

Free Cash Flow $4.0M -31.9% YoY

Market Cap $108.3M as of Oct 19, 2026

Price / Sales 4.0x on $27.2M revenue, trailing 12 months to June 30, 2026

Price / Earnings 29.3x on $3.7M net income, trailing 12 months to June 30, 2026

Price / Book 1.1x on $101.7M equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 19, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 14, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 14, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the PFBX SEC filings page.

PEOPLES FINCL CORP MISS (PFBX) reported $27.2M in revenue over the twelve months to Jun 30, 2026, down 6.0% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 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).

Rhea AI PFBX FY2025 2026-10-22

The latest year shows a smaller balance sheet, stronger capital cushion, and earnings that align more closely with cash.

FY2024 net income of $21.7M far exceeded operating cash flow of $6.0M, alongside a reported tax benefit. In FY2025, $3.9M of net income compared with $4.5M of operating cash flow, suggesting the prior year’s profit was unusually influenced by the tax line while the latest earnings provide a cleaner cash read.

FY2025 assets contracted 12.6% while liabilities contracted 15.6%, so the balance-sheet shrinkage came more from reducing obligations than from weakening equity. The liability-to-equity ratio fell from 8.2x to 6.2x, indicating a thicker capital cushion within a still liability-heavy structure.

Capital expenditures were just 1.1% of revenue and 6.7% of operating cash flow, so reported cash generation was not being absorbed by heavy physical reinvestment. Yet operating cash flow fell 25.4% from FY2024 while free cash flow fell 16.9%, showing weaker cash generation even after lower reinvestment.

Financial Health Signals

Financial health score not available

PEOPLES FINCL CORP MISS does not currently provide enough eligible data for a peer-relative financial health score, so none is published. The signals and metrics below are current.

Piotroski F-Score Partial

5/6

PEOPLES FINCL CORP MISS passes 5 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 3 of 4 profitability signals pass, all 1 leverage/liquidity signals pass, the one computable operating efficiency signal (asset turnover improving) passes.

Key Financial Metrics

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Earnings & Revenue

Revenue

$6.8M

YoY-6.1%

QoQ-9.8%

5Y CAGR+1.2%

10Y CAGR+1.6%

PEOPLES FINCL CORP MISS generated $6.8M in revenue in Q2 2026. This represents a decrease of 6.1% from the same quarter a year earlier. Against the prior quarter it is down 9.8%.

Net Income

$897K

YoY-27.8%

QoQ-38.0%

5Y CAGR+2.6%

10Y CAGR+30.8%

PEOPLES FINCL CORP MISS reported $897K in net income in Q2 2026. This represents a decrease of 27.8% from the same quarter a year earlier. Against the prior quarter it is down 38.0%.

EBITDA

Not reported for Q2 2026.

EPS (Diluted)

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

$535K

YoY-16.9%

QoQ-48.4%

PEOPLES FINCL CORP MISS generated $535K in free cash flow in Q2 2026, representing cash available after capex. This represents a decrease of 16.9% from the same quarter a year earlier. Against the prior quarter it is down 48.4%.

Cash & Debt

$24.1M

YoY+30.9%

QoQ-58.1%

5Y CAGR-22.9%

10Y CAGR-9.6%

PEOPLES FINCL CORP MISS held $24.1M in cash as of Q2 2026; no long-term debt figure is on record for that period.

Dividends Per Share

$0.18

YoY0.0%

QoQn/m

PEOPLES FINCL CORP MISS paid $0.18 per share in dividends in Q2 2026. That is unchanged from the same quarter a year earlier. The change from the prior quarter is not meaningful, because that quarter’s figure was zero or negative.

Shares Outstanding

YoY0.0%

QoQ0.0%

PEOPLES FINCL CORP MISS had 5M shares outstanding in Q2 2026. That is unchanged from the same quarter a year earlier. It is unchanged from the prior quarter.

Margins & Returns

Net Margin

13.2%

YoY-4.0pp

QoQ-6.0pp

5Y change+0.9pp

10Y change+12.1pp

PEOPLES FINCL CORP MISS's net profit margin was 13.2% in Q2 2026, showing the share of revenue converted to profit. This is down 4.0 percentage points from the same quarter a year earlier. Against the prior quarter it is down 6.0 percentage points.

Return on Equity

0.9%

YoY-0.4pp

QoQ-0.5pp

5Y change0.0pp

10Y change+0.8pp

PEOPLES FINCL CORP MISS's quarterly ROE was 0.9% in Q2 2026: one quarter's net income over shareholder equity, not annualized. This is down 0.4 percentage points from the same quarter a year earlier. Against the prior quarter it is down 0.5 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Capital Expenditures

$182K

YoY-15.0%

QoQ-20.9%

PEOPLES FINCL CORP MISS invested $182K in capex in Q2 2026, funding long-term assets and infrastructure. This represents a decrease of 15.0% from the same quarter a year earlier. Against the prior quarter it is down 20.9%.

R&D Spending

Not reported for Q2 2026.

Share Buybacks

Not reported for Q2 2026.

PFBX Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

PFBX quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$27.2M	$27.5M-9.7%	$30.5M-8.7%	$33.4M+17.3%	$28.4M+9.7%	$25.9M+3.8%	$25.0M+3.1%	$24.2M+3.2%	$23.5M-2.4%	$24.0M+0.1%	$24.0M-5.2%	$25.3M-13.6%	$29.3M-10.0%	$32.6M+1.5%	$32.1M+1.2%	$31.7M
Interest Expense	$8.1M	$8.1M-15.5%	$9.6M+56.7%	$6.2M+185.2%	$2.2M+160.0%	$830K-47.5%	$1.6M-51.3%	$3.2M+22.1%	$2.7M+86.8%	$1.4M+38.8%	$1.0M+17.1%	$875K-39.3%	$1.4M-0.4%	$1.4M-30.0%	$2.1M-35.0%	$3.2M
Income Tax	$799K	$900Kn/m	-$13.3M-728.1%	$2.1Mn/m	-$2.4M-4021.0%	$62Kn/m	$0n/m	$0n/m	-$36Kn/m	-$1.1M-1484.6%	$78Kn/m	-$762K-116.1%	$4.7Mn/m	-$2.2Mn/m	-$92Kn/m	-$1.2M
Net Income	$3.7M	$3.9M-82.0%	$21.7M+136.8%	$9.2M+2.5%	$8.9M+0.3%	$8.9Mn/m	-$2.6M-252.4%	$1.7M+166.9%	$629K-77.2%	$2.8M+1551.5%	$167Kn/m	-$4.6Mn/m	-$10.0Mn/m	-$538K-120.4%	$2.6M+119.5%	$1.2M
EPS (Basic)	N/A	$0.85-81.8%	$4.66+137.8%	$1.96+2.6%	$1.91+3.8%	$1.84n/m	-$0.52-252.9%	$0.34+161.5%	$0.13-75.9%	$0.54+1700.0%	$0.03n/m	-$0.90n/m	-$1.95n/m	-$0.10-119.6%	$0.51+121.7%	$0.23
EPS (Diluted)	—	$0.85-81.8%	$4.66+137.8%	$1.96+2.6%	$1.91+7.9%	$1.77n/m	-$0.56-264.7%	$0.34+161.5%	$0.13-75.9%	$0.54+1700.0%	$0.03n/m	-$0.90n/m	-$1.95n/m	-$0.10-119.6%	$0.51+121.7%	$0.23
Diluted Shares (Avg)	N/A	5M-0.8%	5M-0.4%	5M	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$6.8M-6.1%	$7.5M+2.4%	$6.4M-12.9%	$6.5M-7.5%	$7.2M-5.4%	$7.4M-12.6%	$7.3M-2.3%	$7.0M-13.2%
Interest Expense	$2.0M+1.3%	$1.8M-2.5%	$1.9M-6.5%	$2.3M-8.5%	$2.0M-28.7%	$1.9M-15.4%	$2.1M+12.8%	$2.6M+71.2%
Income Tax	$117K-52.2%	$402K+7.2%	$137K-63.2%	$143Kn/m	$245Kn/m	$375K-40.6%	$372K-30.5%	-$14.1M-4397.9%
Net Income	$897K-27.8%	$1.4M+10.4%	$716K-53.1%	$643K-95.8%	$1.2M-46.7%	$1.3M-45.8%	$1.5M-11.3%	$15.4M+707.9%
EPS (Basic)	$0.19-29.6%	$0.31+10.7%	$0.16-51.5%	$0.14-95.8%	$0.27-46.0%	$0.28-46.2%	$0.33-10.8%	$3.31+707.3%
EPS (Diluted)	N/A	$0.31+10.7%	$0.16-51.5%	$0.14-95.8%	$0.27-46.0%	$0.28-46.2%	$0.33-10.8%	$3.31+707.3%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, SG&A Expenses, Operating Income, EBITDA, Diluted Shares (Avg).

PFBX Balance Sheet

PFBX quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Total Assets	$727.1M-12.6%	$831.8M+4.3%	$797.7M-7.4%	$861.6M+5.2%	$819.0M+22.6%	$668.0M+12.3%	$594.7M-3.6%	$616.8M-5.2%	$650.4M-5.5%	$688.0M+7.3%	$641.0M-4.2%	$668.9M-12.2%	$762.3M-5.3%	$804.9M+0.1%	$804.2M
Cash & Equivalents	$19.6M-81.8%	$107.7M+372.7%	$22.8M-30.6%	$32.8M-34.3%	$50.0M-45.4%	$91.5M+211.1%	$29.4M+71.2%	$17.2M-32.0%	$25.3M-38.5%	$41.1M+31.0%	$31.4M+33.3%	$23.6M-35.0%	$36.3M-32.9%	$54.0M+46.3%	$36.9M
Total Liabilities	$626.5M-15.6%	$741.8M+1.8%	$728.5M-9.7%	$806.4M+10.9%	$727.2M+26.9%	$573.2M+14.7%	$499.6M-5.7%	$529.9M-5.5%	$560.9M-6.4%	$599.6M+9.2%	$549.2M-4.3%	$573.9M-13.4%	$663.1M-4.5%	$694.2M-0.1%	$694.7M
Total Equity	$100.7M+11.9%	$90.0M+29.9%	$69.3M+25.7%	$55.1M-39.9%	$91.7M-3.1%	$94.7M-0.5%	$95.1M+9.4%	$86.9M-2.9%	$89.5M+1.2%	$88.5M-3.7%	$91.8M-3.3%	$95.0M-4.2%	$99.1M-10.5%	$110.8M+1.2%	$109.5M
Retained Earnings	$58.7M+4.0%	$56.5M+50.3%	$37.6M+20.6%	$31.2M+34.9%	$23.1M+27.4%	$18.1M-17.0%	$21.9M+7.5%	$20.3M-5.7%	$21.6M+11.6%	$19.3M+0.9%	$19.2M-19.3%	$23.7M-30.7%	$34.3M-2.0%	$35.0M+4.8%	$33.4M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$771.0M+1.3%	$788.3M-9.0%	$727.1M-12.6%	$758.1M-6.9%	$761.3M-10.1%	$866.6M-7.1%	$831.8M+4.3%	$814.2M+0.5%
Cash & Equivalents	$24.1M+30.9%	$57.4M-39.9%	$19.6M-81.8%	$41.9M-0.8%	$18.4M+4.9%	$95.4M-11.7%	$107.7M+372.7%	$42.3M-6.3%
Total Liabilities	$669.3M+0.7%	$686.9M-11.0%	$626.5M-15.6%	$658.1M-8.3%	$664.8M-13.9%	$772.2M-10.4%	$741.8M+1.8%	$717.8M-4.5%
Total Equity	$101.7M+5.4%	$101.4M+7.3%	$100.7M+11.9%	$100.0M+3.8%	$96.5M+30.1%	$94.5M+33.7%	$90.0M+29.9%	$96.4M+63.1%
Retained Earnings	$60.3M+3.5%	$60.2M+4.1%	$58.7M+4.0%	$58.9M+3.4%	$58.2M+40.3%	$57.8M+44.5%	$56.5M+50.3%	$56.9M+50.2%

Not reported in any period shown, so not listed: Current Assets, Short-Term Investments, Inventory, Accounts Receivable, Long-Term Investments, Goodwill, Current Liabilities, Non-Current Liabilities, Long-Term Debt.

PFBX Cash Flow Statement

PFBX quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Cash Flow	$4.4M	$4.5M-25.4%	$6.0M-33.3%	$9.1M+14.5%	$7.9M+72.5%	$4.6M-22.6%	$5.9M+42.7%	$4.1M-2.9%	$4.3M-13.8%	$5.0M+57.7%	$3.1M-32.2%	$4.6M-29.3%	$6.6M-30.8%	$9.5M+21.2%	$7.8M-20.1%	$9.8M
Depreciation & Amortization	N/A	$1.6M-3.1%	$1.7M+8.2%	$1.6M-6.8%	$1.7M-1.0%	$1.7M-7.2%	$1.8M-5.4%	$1.9M-2.5%	$2.0M+2.6%	$1.9M+5.0%	$1.8M+3.9%	$1.8M-3.5%	$1.8M+3.8%	$1.8M-14.6%	$2.0M-7.3%	$2.2M
Capital Expenditures	$481K	$302K-69.1%	$977K-61.5%	$2.5M	N/A	$1.9M+340.8%	$441K-3.3%	$456K-33.9%	$690K+63.1%	$423K-58.6%	$1.0M+145.4%	$416K+42.0%	$293K-65.1%	$840K+257.4%	$235K-51.9%	$489K
Free Cash Flow	$4.0M	$4.2M-16.9%	$5.1M-22.4%	$6.5M	N/A	$2.6M-51.8%	$5.5M+48.4%	$3.7M+3.0%	$3.6M-21.0%	$4.5M+113.6%	$2.1M-49.7%	$4.2M-32.7%	$6.3M-27.5%	$8.6M+13.9%	$7.6M-18.4%	$9.3M
Investing Cash Flow	-$1.1M	$24.5M-64.0%	$68.0M+9.0%	$62.4Mn/m	-$104.2Mn/m	-$196.2Mn/m	-$14.8M-138.7%	$38.2M+84.0%	$20.8M+2.5%	$20.3Mn/m	-$43.6M	N/A	N/A	$4.9M-60.0%	$12.3Mn/m	-$8.1M
Financing Cash Flow	$2.3M	-$117.2M-1174.0%	$10.9Mn/m	-$81.5M-202.9%	$79.2M-47.3%	$150.1M+111.5%	$71.0Mn/m	-$30.1Mn/m	-$33.1Mn/m	-$41.1M-181.9%	$50.2M	N/A	N/A	-$32.2Mn/m	-$3.0M-127.5%	$11.0M
Dividends Paid	N/A	$1.7M-18.5%	$2.0M-17.5%	$2.5M+178.2%	$889K+15.6%	$769K+684.7%	$98K-33.8%	$148K+46.5%	$101K+98.0%	$51K	N/A	N/A	$512K	N/A	$1.5M+66.6%	$925K
Share Buybacks	N/A	N/A	$792K+280.8%	$208Kn/m	$0-100.0%	$3.4M+360.0%	$735K	N/A	$1.9M+279.9%	$502K	N/A	N/A	N/A	$181K	N/A	$193K

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$717K-16.4%	$1.3M+6.4%	$1.5M-24.4%	$985K-56.9%	$858K+28.3%	$1.2M+4.9%	$1.9M-29.0%	$2.3M-9.0%
Depreciation & Amortization	$426K-1.2%	$418K-4.1%	$351K-7.4%	$408K-9.9%	$431K+0.7%	$436K+4.3%	$379K+0.5%	$453K+11.9%
Capital Expenditures	$182K-15.0%	$230K+1110.5%	$21K-40.0%	$48K-76.1%	$214K+13.2%	$19K-96.6%	$35K-91.9%	$201K
Free Cash Flow	$535K-16.9%	$1.0M-11.5%	$1.4M-24.1%	$937K-55.1%	$644K+34.2%	$1.2M+101.0%	$1.9M-17.2%	$2.1M
Investing Cash Flow	-$15.3M-150.0%	-$24.4Mn/m	$9.4M-77.0%	$29.3M-62.4%	$30.6Mn/m	-$44.8Mn/m	$40.9M+16258.8%	$77.8M+26.4%
Financing Cash Flow	-$18.7Mn/m	$61.0M+95.0%	-$33.2M-246.5%	-$6.7Mn/m	-$108.5Mn/m	$31.3M-76.8%	$22.7Mn/m	-$55.3Mn/m
Dividends Paid	N/A	N/A	$831K-30.8%	$0n/m	N/A	N/A	$1.2M-37.2%	$0n/m

Not reported in any period shown, so not listed: Stock-Based Compensation, Share Buybacks.

PFBX Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

PFBX quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Net Margin	14.2%-57.0pp	71.2%+43.8pp	27.5%-4.0pp	31.4%-2.9pp	34.4%+44.6pp	-10.2%-17.2pp	6.9%+4.3pp	2.7%-8.8pp	11.5%+10.8pp	0.7%+18.8pp	-18.1%+16.0pp	-34.1%-32.5pp	-1.7%-9.9pp	8.2%+4.4pp	3.8%
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%-4.5pp	1.8%+1.1pp	0.7%-2.4pp	3.1%+2.9pp	0.2%+5.2pp	-5.0%+5.5pp	-10.5%-10.0pp	-0.5%-2.9pp	2.4%+1.3pp	1.1%
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%-0.7pp	0.3%+0.2pp	0.1%-0.3pp	0.4%+0.4pp	0.0%+0.7pp	-0.7%+0.8pp	-1.5%-1.4pp	-0.1%-0.4pp	0.3%+0.2pp	0.1%
Liabilities-to-Equity	6.22-2.0x	8.24-2.3x	10.51-4.1x	14.63+6.7x	7.93+1.9x	6.05+0.8x	5.25-0.8x	6.09-0.2x	6.27-0.5x	6.78+0.8x	5.98-0.1x	6.04-0.6x	6.69+0.4x	6.27-0.1x	6.35
Asset Turnover	0.040.0x	0.040.0x	0.040.0x	0.030.0x	0.030.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.030.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.04
FCF Margin	15.3%-1.3pp	16.6%-2.9pp	19.5%	N/A	10.2%-11.8pp	21.9%+6.7pp	15.3%0.0pp	15.3%-3.6pp	18.9%+10.0pp	8.8%-7.8pp	16.7%-4.7pp	21.4%-5.2pp	26.5%+2.9pp	23.6%-5.7pp	29.3%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Net Margin	13.2%-4.0pp	19.2%+1.4pp	11.2%-9.6pp	9.9%	17.1%-13.3pp	17.8%-10.9pp	20.8%-2.1pp	219.5%
Return on Equity	0.9%-0.4pp	1.4%0.0pp	0.7%-1.0pp	0.6%-15.4pp	1.3%-1.8pp	1.4%-2.0pp	1.7%-0.8pp	16.0%+12.8pp
Return on Assets	0.1%0.0pp	0.2%0.0pp	0.1%-0.1pp	0.1%-1.8pp	0.2%-0.1pp	0.1%-0.1pp	0.2%0.0pp	1.9%+1.7pp
Liabilities-to-Equity	6.58-0.3x	6.77-1.4x	6.22-2.0x	6.58-0.9x	6.89-3.5x	8.17-4.0x	8.24-2.3x	7.45-5.3x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x
FCF Margin	7.9%-1.0pp	13.7%-2.2pp	22.7%-3.3pp	14.4%-15.3pp	8.9%+2.6pp	15.9%+9.0pp	26.0%-4.7pp	29.7%

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio, Debt-to-Equity.

Reported as filed but not readable as a share of revenue in the periods where the ratio runs further from zero than a revenue base allows; no change figure is given where either compared period is one of those: Net Margin.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
PEOPLES FINCL CORP MISS PFBX	FY2025	$27.5M	$3.9M	14.2%	$108.3M	—
SKYLINE BANKSHARES INC SLBK	FY2025	$58.2M	$15.8M	27.2%	$159.1M	—

Where PEOPLES FINCL CORP MISS Ranks

Frequently Asked Questions

What is PEOPLES FINCL CORP MISS's annual revenue?

PEOPLES FINCL CORP MISS (PFBX) reported $27.5M in total revenue for fiscal year 2025. This represents a -9.7% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is PEOPLES FINCL CORP MISS's revenue growing?

PEOPLES FINCL CORP MISS (PFBX) revenue declined by 9.7% year-over-year, from $30.5M to $27.5M in fiscal year 2025.

Is PEOPLES FINCL CORP MISS profitable?

Yes, PEOPLES FINCL CORP MISS (PFBX) reported a net income of $3.7M over the trailing 12 months to June 30, 2026. In fiscal year 2025 it reported a net income of $3.9M, with a net profit margin of 14.2%.

What is PEOPLES FINCL CORP MISS's net profit margin?

PEOPLES FINCL CORP MISS (PFBX) had a net profit margin of 14.2% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does PEOPLES FINCL CORP MISS pay dividends?

Yes, PEOPLES FINCL CORP MISS (PFBX) paid $0.36 per share in dividends during fiscal year 2025.

What is PEOPLES FINCL CORP MISS's return on equity (ROE)?

PEOPLES FINCL CORP MISS (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 FINCL CORP MISS's free cash flow?

PEOPLES FINCL CORP MISS (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 FINCL CORP MISS's operating cash flow?

PEOPLES FINCL CORP MISS (PFBX) generated $4.5M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are PEOPLES FINCL CORP MISS's total assets?

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

What are PEOPLES FINCL CORP MISS's capital expenditures?

PEOPLES FINCL CORP MISS (PFBX) invested $302K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

How many shares does PEOPLES FINCL CORP MISS have outstanding?

PEOPLES FINCL CORP MISS (PFBX) had 5M shares outstanding as of fiscal year 2025.

What is PEOPLES FINCL CORP MISS's liabilities-to-equity ratio?

PEOPLES FINCL CORP MISS (PFBX) had a liabilities-to-equity ratio of 6.22 as of fiscal year 2025, which is total liabilities divided by total shareholder equity. Total liabilities counts every obligation on the balance sheet (payables, deposits, insurance reserves and deferred taxes as well as borrowings), so this ratio usually runs well above debt-to-equity. No debt-to-equity ratio is shown for fiscal year 2025, because the filing data we hold for that year carries no long-term debt figure.

What is PEOPLES FINCL CORP MISS's return on assets (ROA)?

PEOPLES FINCL CORP MISS (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 FINCL CORP MISS's P/E ratio?

PEOPLES FINCL CORP MISS (PFBX) trades at 29.3x earnings, its market capitalization divided by $3.7M net income, trailing 12 months to June 30, 2026. The market capitalization is $108.3M as of Oct 19, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is PEOPLES FINCL CORP MISS's price-to-sales ratio?

PEOPLES FINCL CORP MISS (PFBX) trades at 4.0x sales, its market capitalization divided by $27.2M revenue, trailing 12 months to June 30, 2026. The market capitalization is $108.3M as of Oct 19, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is PEOPLES FINCL CORP MISS's Piotroski F-Score?

PEOPLES FINCL CORP MISS (PFBX) has a Piotroski F-Score of 5 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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.