PFBX · XBRL financial data
Peoples Financial financial statements, every fiscal year
The same tables from 6 filings, lined up. Matched by XBRL tag: renamed lines keep their history.
How these numbers work
- Every number comes from the company's XBRL financial data filed with the SEC, and each one links to its filing.
- Lines are matched by XBRL tag, so a line renamed between filings keeps its history.
- * marks a quarter worked out from the filing totals: the 10-K year minus the first three quarters, or a year-to-date total minus the earlier one. Fourth-quarter earnings per share is fourth-quarter net income over the fourth-quarter weighted shares.
- 0 means a filing states zero; a dash (—) means no filing states that number.
- “year only” means the 10-K gives the full year but not the quarters needed to work out the fourth. A worked-out quarter of revenue, cost of revenue or operating cash flow more than twice the company's largest quarter of the two years before is shown this way too.
- Gross profit is shown as the company reports it; a worked-out quarter must equal revenue less cost of revenue for that quarter, or it is a dash.
- Operating income can be above gross profit when the company books other operating income between the two, shown on its own line.
- Shares outstanding come from each filing's cover page, as of the date printed there.
- Quarters are fiscal: Q2 FY27 is the second quarter of the company's fiscal 2027.
Income statement
CSVFiscal years (PFBX's year ends in late December)
| In thousands of dollars | Dec 31, 2020 | Dec 31, 2021 | Dec 31, 2022 | Dec 31, 2023 | Dec 31, 2024 | Dec 31, 2025 |
|---|---|---|---|---|---|---|
| Interest expense | 1,581 | 830 | 2,158 | 6,155 | — | — |
| Income tax expense (benefit) | 0 | 62 | (2,431) | 2,121 | (13,323) | 900 |
| Net income (loss) | (2,751) | 8,579 | 8,941 | 9,166 | 21,703 | 3,911 |
| Earnings per share, basic USD per share | (0.52) | 1.84 | 1.91 | 1.96 | 4.66 | 0.85 |
| Earnings per share, diluted USD per share | — | — | 1.91 | 1.96 | 4.66 | 0.85 |
| Weighted average shares, basic thousands of shares | 4,893 | 4,844 | 4,678 | 4,675 | 4,656 | 4,617 |
| Weighted average shares, diluted thousands of shares | — | — | — | 4,675 | 4,656 | 4,617 |
Balance sheet
CSVFiscal years (PFBX's year ends in late December)
| In thousands of dollars | Dec 31, 2020 | Dec 31, 2021 | Dec 31, 2022 | Dec 31, 2023 | Dec 31, 2024 | Dec 31, 2025 |
|---|---|---|---|---|---|---|
| Cash and cash equivalents | 91,542 | 49,991 | 32,836 | 22,794 | 107,744 | 19,581 |
| Property and equipment, net | 15,679 | 15,799 | 18,499 | 19,470 | 18,712 | 17,387 |
| Total assets | 668,026 | 818,813 | 861,639 | 797,738 | 831,849 | 727,121 |
| Total deposits | 550,498 | 704,838 | 785,780 | 688,490 | 720,730 | 604,429 |
| Total liabilities | 573,160 | 727,221 | 806,445 | 728,455 | 741,848 | 626,454 |
| Retained earnings | 18,335 | 22,965 | 31,154 | 37,574 | 56,491 | 58,740 |
| Total stockholders' equity | 94,866 | 91,592 | 55,194 | 69,283 | 90,001 | 100,667 |
| Total liabilities and equity | 668,026 | 818,813 | 861,639 | 797,738 | 831,849 | 727,121 |
| Common shares outstanding (cover page) thousands of shares | 4,879 | 4,678 | 4,678 | 4,662 | 4,617 | 4,617 |
Cash flows
CSVFiscal years (PFBX's year ends in late December)
| In thousands of dollars | Dec 31, 2020 | Dec 31, 2021 | Dec 31, 2022 | Dec 31, 2023 | Dec 31, 2024 | Dec 31, 2025 |
|---|---|---|---|---|---|---|
| Net income (loss) | (2,751) | 8,579 | 8,941 | 9,166 | 21,703 | 3,911 |
| Net cash from operating activities | 5,922 | 4,584 | 7,908 | 9,051 | 6,034 | 4,503 |
| Purchases of property and equipment | 441 | 1,944 | — | 2,537 | 977 | 302 |
| Net cash from investing activities | (14,769) | (196,245) | (104,227) | 62,378 | 68,007 | 24,497 |
| Share repurchases | 735 | 3,381 | 0 | 208 | 792 | — |
| Dividends paid | 98 | 769 | 889 | 2,473 | 2,039 | 1,662 |
| Net cash from financing activities | 70,965 | 150,110 | 79,164 | (81,471) | 10,909 | (117,163) |
| Net change in cash | 62,118 | (41,551) | (17,155) | (10,042) | 84,950 | (88,163) |
Compare with peers
SIC 6022 and related industry codes, similar size. Each row is the latest quarter reported.
How peers are chosen
- SIC 6022 and related industry codes with public float (or, where float is missing, quarterly revenue) between 0.2x and 5x the company's.
- Each row is the latest quarter the company has reported, named in the Quarter column; when that filing is a 10-K, it is the fourth quarter, never the full year.
- * marks a quarter worked out from the filing totals: for a 10-Q, the year-to-date total less the earlier one.
- A cell reading “not reported” means the filings give no figure for that quarter alone.
| Company | Cash ($K) | Revenue, quarter ($K) | Operating cash flow, quarter ($K) | Shares outstanding | Quarter |
|---|---|---|---|---|---|
| Peoples Financial | 24,054 | not reported | 717* | 4.6M | 10-QJun 30, 2026 |
| Auburn National Bancorporation | 211,649 | not reported | 1,511* | 3.5M | 10-QJun 30, 2026 |
| Bank of the James Financial Group | 35,545 | not reported | 632* | 4.5M | 10-QJun 30, 2026 |
| Avidbank Holdings | 159,909 | not reported | 15,863* | 11.0M | 10-QJun 30, 2026 |
| ENB Financial | 37,145 | not reported | 6,452* | 5.7M | 10-QJun 30, 2026 |
| BayFirst Financial | 139,165 | not reported | 363* | 27.0M | 10-QJun 30, 2026 |
| Uwharrie Capital | 91,712 | not reported | 7,014* | 7.1M | 10-QJun 30, 2026 |
| Juniata Valley Financial | 5,750 | 8,802 | 3,232* | 5.0M | 10-QJun 30, 2026 |
| Steele Bancorp | 8,224 | not reported | 6,263* | 3.4M | 10-QJun 30, 2026 |
Not investment advice. Not affiliated with the U.S. SEC.