Peoples Financial Corporation (PFBX)

Peoples Financial Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	15.05	14.82	12.95	11.14	12.59	13.08
Interest Income on Investments	14.53	18.27	19.68	12.57	7.7	6.23
Total Interest Income	29.57	33.09	32.63	23.71	20.29	19.31
Interest Paid on Deposits	7.6	7.64	5.75	1.99	0.81	1.55
Interest Paid on Borrowings	0.68	2.01	0.41	0.17	0.02	0.03
Total Interest Expense	8.28	9.64	6.16	2.16	0.83	1.58
Net Interest Income	21.29	23.45	26.47	21.55	19.46	17.73
Net Interest Income Growth (YoY)	-10.34%	-11.42%	22.85%	10.73%	9.79%	0.25%
Trust Income	2.53	2.48	2.35	2	1.85	1.7
Gain (Loss) on Sale of Assets	-0.03	0.01	0.03	-	-	0.32
Gain (Loss) on Sale of Investments	-	-	-	-	-0.05	0.54
Other Non-Interest Income	1.47	1.35	1.27	1.44	1.02	1.03
Total Non-Interest Income	7.17	7.01	6.89	6.9	6.47	7.03
Non-Interest Income Growth (YoY)	3.99%	1.74%	-0.01%	6.57%	-7.93%	7.53%
Revenues Before Loan Losses	28.46	30.47	33.37	28.45	25.93	24.75
Provision for Loan Losses	-0.12	-0.16	-0.27	0.08	-5.66	6
Revenue	28.58	30.63	33.64	28.37	31.6	18.75
Revenue Growth (YoY)	-6.87%	-8.96%	18.60%	-10.22%	68.49%	-22.57%
Salaries and Employee Benefits	10.55	10.23	10.87	11.08	10.35	10.11
Occupancy Expenses	2.24	2.19	2.09	1.76	1.92	1.87
Selling, General & Administrative	3.49	3.67	3.45	3.54	3.55	3.65
Other Non-Interest Expense	6.46	6.16	5.95	5.48	6.8	5.91
Total Non-Interest Expense	22.72	22.25	22.35	21.86	22.62	21.53
EBT Excluding Unusual Items	5.86	8.38	11.29	6.51	8.97	-2.78
Pretax Income	5.86	8.38	11.29	6.51	8.97	-2.56
Income Tax Expense	1.14	-13.32	2.12	-2.43	0.06	-
Net Income	4.72	21.7	9.17	8.94	8.91	-2.56
Net Income to Common	4.72	21.7	9.17	8.94	8.91	-2.56
Net Income Growth	-78.43%	136.78%	2.52%	0.34%	-	-
Basic Shares Outstanding	5	5	5	5	5	5
Diluted Shares Outstanding	5	5	5	5	5	5
Shares Change (YoY)	-0.85%	-0.40%	-0.07%	-3.43%	-1.00%	-1.01%
EPS (Basic)	1.02	4.66	1.96	1.91	1.84	-0.52
EPS (Diluted)	1.02	4.66	1.96	1.91	1.84	-0.52
EPS Growth	-78.26%	137.75%	2.62%	3.83%	-	-
Dividend Per Share	0.180	0.360	0.360	0.220	0.150	0.070
Dividend Growth	-50.00%	-	63.64%	46.67%	114.29%	133.33%
Effective Tax Rate	19.38%	-	18.79%	-	0.69%	-

Source: S&P Global Market Intelligence. Banks template. Financial Sources.