Peoples Financial Past Earnings Performance
Past criteria checks 2/6
Peoples Financial has been growing earnings at an average annual rate of 48.1%, while the Banks industry saw earnings growing at 9.3% annually. Revenues have been growing at an average rate of 9.2% per year. Peoples Financial's return on equity is 12.7%, and it has net margins of 26.9%.
Key information
48.1%
Earnings growth rate
49.0%
EPS growth rate
| Banks Industry Growth | 11.2% |
| Revenue growth rate | 9.2% |
| Return on equity | 12.7% |
| Net Margin | 26.9% |
| Last Earnings Update | 31 Mar 2024 |
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 |
|---|---|---|---|---|
| 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 |
| 31 Dec 14 | 22 | -10 | 18 | 0 |
| 30 Sep 14 | 22 | -2 | 18 | 0 |
| 30 Jun 14 | 26 | 1 | 18 | 0 |
| 31 Mar 14 | 23 | -1 | 18 | 0 |
| 31 Dec 13 | 23 | -1 | 17 | 0 |
| 30 Sep 13 | 24 | 1 | 17 | 0 |
| 30 Jun 13 | 25 | 1 | 17 | 0 |
Quality Earnings: PFBX has high quality earnings.
Growing Profit Margin: PFBX's current net profit margins (26.9%) are lower than last year (34.6%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: PFBX's earnings have grown significantly by 48.1% per year over the past 5 years.
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 (-15.8%) over the past year, making it difficult to compare to the Banks industry average (-14.1%).
Return on Equity
High ROE: PFBX's Return on Equity (12.7%) is considered low.