Peoples Financial Annual Income Statement (NASDAQ:PFBX)

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$10.55 $0.11 (1.04%) PFBX stock closing price Oct 27, 2016 (Closing)

Financial analysis of Peoples Financial involves more than just checking the Peoples Financial stock price, by looking at the financial statements of the company in detail. The income statement gives the investor an understanding of the topline and bottomline numbers of the company and helps investors evaluate if a company has been growing or not. Like any other income statement, the PFBX income statement also itemizes revenue, operating expenses, and profits for a quarter or year and reflects a YoY revenue decline of $4.57M when compared to the same period in the past. One also needs to look at Peoples Financial assets, operating expenses and Peoples Financial free cash flow. The profit and loss statement shows revenue of $26.2M for 2015. Revenue has decreased by $4.57M YoY for PFBX stock. Peoples Financial revenue for 2015 is $26.2M. View revenue and profit details for latest and last 10 financial years.

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Fiscal year is Jan - Dec. 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006
Peoples Financial Net Sales or Revenues
Cost Of Goods Sold (COGS)0.67M1.11M1.09M1.49M2.35M3.25M4.96M9.95M14.71M11.38M
Peoples Financial Gross Profit
Research & Development Expense----------
Selling General & Admin Expense27.87M31.55M32.43M26.43M28.38M34.42M32.86M28.86M24.21M23.19M
Income Before Depreciation Depletion Amortization-2.34M-1.89M0.48M6.22M4.15M2.1M6.6M12.02M26.8M26.62M
Depreciation Depletion Amortization2.8M3.05M2.87M3.1M3.33M-----
Non Operating Income----------
Interest Expense0.19M0.33M0.34M0.56M0.82M1.34M2.43M5.01M10.73M7.4M
Peoples Financial Pretax Income
Provision for Income Taxes-0.76M4.72M-2.2M-0.09M-1.2M-0.72M0.95M1.97M5.04M6.45M
Minority Interest----------
Investment Gains Losses----------
Other Income----------
Income Before Extraordinaries & Disc Operations-4.59M-10M-0.53M2.64M1.2M1.48M3.22M5.03M11.02M12.76M
Extraordinary Items & Discontinued Operations----------
Peoples Financial Net Income (Profit/Loss)
Average Shares used to compute Diluted EPS5.1M5.13M5.13M5.14M5.23M5.15M5.19M5.36M5.49M5.55M
Average Shares used to compute Basic EPS5.1M5.13M5.13M5.14M5.23M5.15M5.19M5.36M5.49M5.55M
Income Before Nonrecurring Items-4.59M-2.4M-0.54M2.64M1.2M1.49M3.22M5.03M11.03M10.07M
Income from Nonrecurring Items--7.6M-------2.7M
Peoples Financial Earnings Per Share Basic Net
Peoples Financial Earnings Per Share Diluted Net
EPS Diluted Before Nonrecurring Items-0.90-0.47-0.100.510.230.290.620.942.011.81
Preferred Dividends Acc Pd----------
Dividends Common----------
Dividend Per Share Common-0.10-0.400.180.210.500.560.480.41
All figures in USD. M: Millions of USD, B: Billions of USD.

Peoples Financial stock analysis involves checking at least a few of the important things like:
  • Topline: A growing topline, as seen from the Peoples Financial revenue chart, as is not the case with Peoples Financial indicates a sagging business. One needs to compare the QoQ or YoY topline growth of PFBX stock with its peers like TRUX stock and BOTJ stock to see if the growth compares well with what can be expected for a company in that industry.
  • Bottom line: Most businesses like Peoples Financial try to improve their bottom line by growing their topline and by increasing their operating efficiency. A healthy bottom line growth implies a good investment.
The income statement is also called the profit and loss statement. Apart from the income statement, one can check the Peoples Financial historical stock prices to check how the price has moved with time. .

Peoples Financial Income Statement - Key Financial Ratios

PS ratio (
price sales ratio
Operating margin
Net profit margin
Dividend yield