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Peoples Financial (PFBX) Ratios
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Peoples Financial Ratios
PFBX's free cash flow for Q2 2026 was $947.00K. For the 2026 fiscal year, PFBX's free cash flow was increased by $230.00K and operating cash flow was $717.00K. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 0.04 | 0.58 | 0.04 | 0.49 | 0.61 |
| Quick Ratio | 0.04 | 0.58 | 0.04 | 0.49 | 0.61 |
| Cash Ratio | 0.03 | 0.15 | 0.03 | 0.04 | 0.07 |
| Solvency Ratio | 0.01 | 0.03 | 0.01 | 0.01 | 0.01 |
| Operating Cash Flow Ratio | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
| Short-Term Operating Cash Flow Coverage | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Current Asset Value | $ -605.94M | $ -321.94M | $ -702.14M | $ -420.17M | $ -297.59M |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.00 | 0.00 | 0.02 | 0.00 | 0.00 |
| Debt-to-Equity Ratio | 0.01 | 0.00 | 0.27 | 0.00 | 0.01 |
| Debt-to-Capital Ratio | 0.01 | 0.00 | 0.21 | 0.00 | 0.01 |
| Long-Term Debt-to-Capital Ratio | 0.01 | 0.00 | 0.21 | 0.00 | 0.01 |
| Financial Leverage Ratio | 7.24 | 9.24 | 11.51 | 15.61 | 8.93 |
| Debt Service Coverage Ratio | 0.68 | 2.43 | 1.75 | 4.92 | 12.76 |
| Interest Coverage Ratio | 0.59 | 0.87 | 1.83 | 3.02 | 10.81 |
| Debt to Market Cap | 0.01 | 0.00 | 0.24 | 0.00 | 0.01 |
| Interest Debt Per Share | 1.94 | 2.07 | 5.27 | 0.46 | 0.35 |
| Net Debt to EBITDA | -2.92 | -10.65 | -0.33 | -4.01 | -4.61 |
| Profitability Margins | |||||
| Gross Profit Margin | 99.99% | 75.97% | 84.88% | 92.57% | 118.30% |
| EBIT Margin | 17.49% | 21.24% | 29.02% | 21.63% | 33.97% |
| EBITDA Margin | 23.40% | 25.65% | 33.16% | 27.22% | 40.33% |
| Operating Profit Margin | 17.49% | 21.24% | 29.02% | 21.63% | 33.97% |
| Pretax Profit Margin | 17.49% | 21.24% | 29.02% | 21.63% | 33.97% |
| Net Profit Margin | 14.22% | 55.01% | 23.56% | 29.70% | 33.73% |
| Continuous Operations Profit Margin | 14.22% | 55.01% | 23.56% | 29.70% | 33.73% |
| Net Income Per EBT | 81.29% | 258.99% | 81.21% | 137.34% | 99.31% |
| EBT Per EBIT | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 0.54% | 2.61% | 1.15% | 1.04% | 1.09% |
| Return on Equity (ROE) | 3.89% | 24.11% | 13.23% | 16.20% | 9.71% |
| Return on Capital Employed (ROCE) | 3.85% | 7.54% | 10.33% | 8.58% | 7.86% |
| Return on Invested Capital (ROIC) | 3.13% | 7.54% | 8.23% | 8.58% | 7.81% |
| Return on Tangible Assets | 0.54% | 2.61% | 1.15% | 1.04% | 1.09% |
| Earnings Yield | 4.16% | 25.03% | 11.81% | 13.18% | 11.05% |
| Efficiency Ratios | |||||
| Receivables Turnover | 8.99 | 11.22 | 11.05 | 9.19 | 9.30 |
| Payables Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 1.58 | 2.11 | 2.00 | 1.63 | 1.47 |
| Asset Turnover | 0.04 | 0.05 | 0.05 | 0.03 | 0.03 |
| Working Capital Turnover Ratio | -0.06 | -0.08 | -0.07 | -0.09 | -0.10 |
| Cash Conversion Cycle | 40.60 | 32.53 | 33.03 | 39.70 | 39.26 |
| Days of Sales Outstanding | 40.60 | 32.53 | 33.03 | 39.70 | 39.26 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Operating Cycle | 40.60 | 32.53 | 33.03 | 39.70 | 39.26 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 0.98 | 1.29 | 1.94 | 1.69 | 0.95 |
| Free Cash Flow Per Share | 0.91 | 1.08 | 1.39 | 1.23 | 0.54 |
| Dividend Paid and CapEx Coverage Ratio | 2.29 | 2.00 | 1.81 | 2.58 | 1.69 |
| Capital Expenditure Coverage Ratio | 14.91 | 6.18 | 3.57 | 3.64 | 2.36 |
| Operating Cash Flow Coverage Ratio | 5.63 | 0.00 | 0.49 | 0.00 | 5.16 |
| Operating Cash Flow to Sales Ratio | 0.16 | 0.15 | 0.23 | 0.26 | 0.17 |
| Free Cash Flow Yield | 4.47% | 5.83% | 8.39% | 8.45% | 3.27% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 23.95 | 3.99 | 8.47 | 7.59 | 9.05 |
| Price-to-Sales (P/S) Ratio | 3.42 | 2.20 | 2.00 | 2.25 | 3.05 |
| Price-to-Book (P/B) Ratio | 0.93 | 0.96 | 1.12 | 1.23 | 0.88 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 22.38 | 17.15 | 11.91 | 11.83 | 30.55 |
| Price-to-Operating Cash Flow Ratio | 20.88 | 14.37 | 8.57 | 8.58 | 17.60 |
| Price-to-Earnings Growth (PEG) Ratio | -0.29 | 0.03 | 3.23 | 1.99 | -0.02 |
| Enterprise Value Multiple | 11.69 | -2.08 | 5.68 | 4.27 | 2.96 |
| Enterprise Value | 75.22M | -21.04M | 73.31M | 35.00M | 31.55M |
| EV to EBITDA | 11.69 | -2.08 | 5.68 | 4.27 | 2.96 |
| EV to Sales | 2.73 | -0.53 | 1.88 | 1.16 | 1.19 |
| EV to Free Cash Flow | 17.91 | -4.16 | 11.25 | 6.10 | 11.95 |
| EV to Operating Cash Flow | 16.70 | -3.49 | 8.10 | 4.43 | 6.88 |
| Tangible Book Value Per Share | 21.71 | 19.20 | 14.70 | 11.67 | 18.94 |
| Shareholders’ Equity Per Share | 21.80 | 19.31 | 14.82 | 11.80 | 18.94 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.19 | -1.59 | 0.19 | -0.37 | 0.01 |
| Revenue Per Share | 5.96 | 8.46 | 8.32 | 6.43 | 5.45 |
| Net Income Per Share | 0.85 | 4.66 | 1.96 | 1.91 | 1.84 |
| Tax Burden | 0.81 | 2.59 | 0.81 | 1.37 | 0.99 |
| Interest Burden | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.52 | 0.29 | 0.30 | 0.39 | 0.42 |
| Stock-Based Compensation to Revenue | 0.00 | 0.00 | 0.00 | 0.01 | 0.01 |
| Income Quality | 1.15 | 0.28 | 0.99 | 0.88 | 0.53 |
Currency in USD
