Peoples Financial Past Earnings Performance
Past criteria checks 2/6
Peoples Financial has been growing earnings at an average annual rate of 38.1%, while the Banks industry saw earnings growing at 2.7% annually. Revenues have been growing at an average rate of 6.3% per year. Peoples Financial's return on equity is 4.7%, and it has net margins of 16.5%.
Key information
38.09%
Earnings growth rate
38.58%
EPS growth rate
| Banks Industry Growth | 11.18% |
| Revenue growth rate | 6.34% |
| Return on equity | 4.72% |
| Net Margin | 16.53% |
| Last Earnings Update | 30 Sep 2025 |
Recent past performance updates
Recent updates
Revenue & Expenses Breakdown
How Peoples Financial makes and spends money. Based on latest reported earnings, on an LTM basis.
Earnings and Revenue History
| Date | Revenue | Earnings | G+A Expenses | R&D Expenses |
|---|---|---|---|---|
| 30 Sep 25 | 29 | 5 | 16 | 0 |
| 30 Jun 25 | 29 | 20 | 16 | 0 |
| 31 Mar 25 | 30 | 21 | 16 | 0 |
| 31 Dec 24 | 31 | 22 | 16 | 0 |
| 30 Sep 24 | 31 | 22 | 16 | 0 |
| 30 Jun 24 | 32 | 8 | 16 | 0 |
| 31 Mar 24 | 33 | 9 | 16 | 0 |
| 31 Dec 23 | 34 | 9 | 16 | 0 |
| 30 Sep 23 | 34 | 13 | 17 | 0 |
| 30 Jun 23 | 33 | 12 | 17 | 0 |
| 31 Mar 23 | 31 | 11 | 17 | 0 |
| 31 Dec 22 | 28 | 9 | 16 | 0 |
| 30 Sep 22 | 28 | 6 | 17 | 0 |
| 30 Jun 22 | 28 | 6 | 16 | 0 |
| 31 Mar 22 | 27 | 6 | 16 | 0 |
| 31 Dec 21 | 32 | 9 | 16 | 0 |
| 30 Sep 21 | 30 | 7 | 16 | 0 |
| 30 Jun 21 | 25 | 2 | 16 | 0 |
| 31 Mar 21 | 23 | 0 | 16 | 0 |
| 31 Dec 20 | 19 | -3 | 16 | 0 |
| 30 Sep 20 | 19 | -2 | 16 | 0 |
| 30 Jun 20 | 24 | 2 | 16 | 0 |
| 31 Mar 20 | 25 | 2 | 16 | 0 |
| 31 Dec 19 | 24 | 2 | 17 | 0 |
| 30 Sep 19 | 24 | 1 | 17 | 0 |
| 30 Jun 19 | 23 | 0 | 17 | 0 |
| 31 Mar 19 | 23 | 1 | 17 | 0 |
| 31 Dec 18 | 23 | 1 | 17 | 0 |
| 30 Sep 18 | 23 | 2 | 17 | 0 |
| 30 Jun 18 | 23 | 2 | 16 | 0 |
| 31 Mar 18 | 23 | 3 | 16 | 0 |
| 31 Dec 17 | 24 | 3 | 17 | 0 |
| 30 Sep 17 | 23 | 1 | 17 | 0 |
| 30 Jun 17 | 23 | 1 | 17 | 0 |
| 31 Mar 17 | 23 | 0 | 17 | 0 |
| 31 Dec 16 | 23 | 0 | 17 | 0 |
| 30 Sep 16 | 24 | 1 | 17 | 0 |
| 30 Jun 16 | 22 | -2 | 17 | 0 |
| 31 Mar 16 | 21 | -3 | 17 | 0 |
| 31 Dec 15 | 21 | -5 | 17 | 0 |
| 30 Sep 15 | 19 | -14 | 17 | 0 |
| 30 Jun 15 | 18 | -14 | 18 | 0 |
| 31 Mar 15 | 20 | -12 | 18 | 0 |
Quality Earnings: PFBX has high quality earnings.
Growing Profit Margin: PFBX's current net profit margins (16.5%) are lower than last year (71.4%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: PFBX has become profitable over the past 5 years, growing earnings by 38.1% per year.
Accelerating Growth: PFBX's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: PFBX had negative earnings growth (-78.4%) over the past year, making it difficult to compare to the Banks industry average (19.8%).
Return on Equity
High ROE: PFBX's Return on Equity (4.7%) is considered low.
Return on Assets
Return on Capital Employed
Discover strong past performing companies
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/03/17 03:44 |
| End of Day Share Price | 2026/03/12 00:00 |
| Earnings | 2025/09/30 |
| Annual Earnings | 2024/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
| |
| Analyst Consensus Estimates | +3 years |
|
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| Market Prices | 30 years |
| |
| Ownership | 10 years |
| |
| Management | 10 years |
| |
| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
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Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Peoples Financial Corporation is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.