Peoples Financial Past Earnings Performance
Past criteria checks 5/6
Peoples Financial has been growing earnings at an average annual rate of 46.2%, while the Banks industry saw earnings growing at 7.2% annually. Revenues have been growing at an average rate of 8.9% per year. Peoples Financial's return on equity is 29.5%, and it has net margins of 71.4%.
Key information
46.2%
Earnings growth rate
47.0%
EPS growth rate
| Banks Industry Growth | 11.2% |
| Revenue growth rate | 8.9% |
| Return on equity | 29.5% |
| Net Margin | 71.4% |
| Last Earnings Update | 30 Sep 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 |
|---|---|---|---|---|
| 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 |
| 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 |
Quality Earnings: PFBX has high quality earnings.
Growing Profit Margin: PFBX's current net profit margins (71.4%) are higher than last year (37.1%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: PFBX's earnings have grown significantly by 46.2% per year over the past 5 years.
Accelerating Growth: PFBX's earnings growth over the past year (74%) exceeds its 5-year average (46.2% per year).
Earnings vs Industry: PFBX earnings growth over the past year (74%) exceeded the Banks industry -13.1%.
Return on Equity
High ROE: Whilst PFBX's Return on Equity (29.51%) is high, this metric is skewed due to their high level of debt.