Income statement
USD
Annual
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Revenue | 28M | 39M | 39M | 30M | 26M |
| Gross Profit | 28M | 30M | 33M | 28M | 31M |
| Operating Income | 5M | 8M | 11M | 7M | 9M |
| EBITDA | 6M | 10M | 13M | 8M | 11M |
| Net Income | 4M | 22M | 9M | 9M | 9M |
| EPS (Diluted) | — | — | — | — | — |
Financial Services
Live Price
Offline$22.95
+0.00% today
1Y Change
+7.65%
Window
Jun 23, 2025 → Jun 8, 2026
Coverage: 241 bars · Jun 23, 2025 → Jun 8, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
Peoples Financial Corporation (PFBX) is a Financial Services stock with a market cap of $100.00M and listed on OTC. The stock last traded around $22.95 and up 7.6% across the available one-year price window (Jun 23, 2025 → Jun 8, 2026). Baseline metrics include revenue growth of -30.3%, EPS growth of -81.8%, a dividend yield of 1.7%. What stands out right now is revenue -30.3%, EPS -81.8%, free cash flow -16.9% with operating margin 19.1% and ROIC 3.2%. The dividend is present but secondary, with a yield around 1.7%. Valuation is more restrained than many high-expectation growth names at P/E 24.4 and price/sales 3.8. Overall, the current profile looks closer to a turnaround or cyclical reset than a generic broad-market placeholder. Stock Foundry combines PFBX price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Benchmark Comparison
Compare this ticker against a broad index, growth benchmark, or sector ETF using a shared 1Y normalization window.
PFBX
—
Normalized return
SPY
—
S&P 500
Excess Return
—
Relative to SPY
PFBX Max Drawdown
-9.58%
Trailing 1Y
SPY Max Drawdown
—
Trailing 1Y
Uses the longest available daily history for PFBX and SPY.
Financial profile
Profitability, balance sheet stamina, and cash efficiency drawn from the latest filings.
FY Revenue
$26.4M
-12.2% YoY
FY Net Income
$8.9M
-0.3% YoY
Free Cash Flow
$2.6M
-54.0% YoY
Revenue Growth
-30.3%
EPS Growth
-81.8%
Gross Margin
107.2%
Net Margin
15.5%
Income statement
USD
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Revenue | 28M | 39M | 39M | 30M | 26M |
| Gross Profit | 28M | 30M | 33M | 28M | 31M |
| Operating Income | 5M | 8M | 11M | 7M | 9M |
| EBITDA | 6M | 10M | 13M | 8M | 11M |
| Net Income | 4M | 22M | 9M | 9M | 9M |
| EPS (Diluted) | — | — | — | — | — |
Balance sheet
USD
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Cash & Equivalents | 20M | 108M | 23M | 33M | 50M |
| Total Assets | 729M | 832M | 798M | 862M | 819M |
| Total Liabilities | 629M | 742M | 728M | 806M | 727M |
| Shareholder Equity | 101M | 90M | 69M | 55M | 92M |
| Total Debt | 800K | 0 | 19M | 0 | 889K |
| Net Debt | -19M | -108M | -4M | -33M | -49M |
Cash flow positioning
Latest Full Year
Operating Cash Flow
5M
-42.0% YoY
Capital Expenditures
2M
+10.5% YoY
Free Cash Flow
3M
-54.0% YoY
Key ratios
Gross Margin
107.2%
Operating Margin
19.1%
Net Margin
15.5%
ROE
4.1%
Debt / Equity
0.01x
Next Step
Use the numbers to decide whether this is a growth candidate, a quality compounder, or just an interesting outlier.