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No institutional (13F) filings cover this company, so the Overview and 13F tabs are thin. Everything drawn from its SEC filings is here.
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What the company returns to shareholders — and whether it's covered by cash.
The dividend is comfortably covered — only 40% of free cash flow, leaving room to grow it and fund buybacks. Last year: $1.7M dividends + $0 buybacks = $1.7M returned on $4.2M FCF.
Yields use the latest fiscal-year dividends/buybacks over current market cap. Dividends and buybacks from the SEC cash-flow statement; payout coverage vs net income and free cash flow. Educational — not a recommendation.
How management deployed cash over 10 years — and what it earned on reinvestment.
A cash-return story — far more went to shareholders than back into the business (mature, low-reinvestment).
Insufficient data. Current ROIC on all capital: 4%. Rough measure (includes maintenance capex).
Cash uses aggregated from the SEC cash-flow statement over 10 fiscal years. "Return on reinvestment" is a rough proxy — operating-income change ÷ cumulative CapEx + M&A — and includes maintenance capex. Educational — not a recommendation.
Leverage ratios is not shown for a bank.
Funded by deposits, so debt-weighted leverage and a WACC are not defined. Capital adequacy (CET1, LCR) is the right question and is not collected yet.
Classified from the filings: SIC code.
How much the company owes, how it's trended, and how comfortably it's serviced.
Interest expense isn't separately reported — often netted into “other income (expense), net.” Interest last disclosed in FY2023 (no longer broken out).
Cash vs short-term debt unavailable.
Short-term / long-term split not separately reported.
Debt, cash, interest and equity from the SEC balance sheet & income statement. Effective rate = interest ÷ average debt. Educational — not a recommendation.
A reverse discounted cash flow is not shown for a bank.
Funded by deposits, so debt-weighted leverage and a WACC are not defined. Capital adequacy (CET1, LCR) is the right question and is not collected yet.
Classified from the filings: SIC code.
Ranked against 19 sector peers with collected financials. Valuation from latest close × latest fiscal-year fundamentals; 13F conviction as of 2026-09-30.
Percentile is “goodness” within the peer set (100 = best). For valuation and leverage that means cheaper / less-levered ranks higher.
| Company | Mkt cap ▼ | P/E | EV/EBITDA | P/S | Rev gr | Gross | Net | ROE | ROIC | Net D/EBITDA | 13F |
|---|---|---|---|---|---|---|---|---|---|---|---|
| STT | $46.2B | 18.1× | — | 3.3× | 7.3% | — | 21.1% | 10.6% | 10.6% | — | 388 |
| NTRS | $30.9B | 19.4× | — | 3.8× | -2.5% | — | 21.5% | 13.4% | 13.4% | — | 272 |
| CFG | $26.7B | 16.5× | — | 3.2× | 5.6% | — | 22.2% | 7.0% | 4.9% | — | 319 |
| FCNCA | $26.1B | 14.2× | — | 2.7× | -2.2% | — | 23.1% | 9.9% | 3.8% | — | 162 |
| ALLY | $11.6B | 16.1× | — | 1.5× | -3.3% | — | 10.8% | 5.5% | 2.5% | — | 140 |
| UCB | $4.4B | 14.0× | — | 4.1× | 11.7% | — | 30.9% | 9.0% | 8.5% | — | 84 |
| FBP | $4.0B | 12.2× | — | 3.1× | 2.4% | — | 27.5% | 17.5% | 15.3% | — | 67 |
| FHB | $3.1B | 11.4× | — | 3.5× | 8.9% | — | 31.4% | 10.0% | 10.0% | — | 74 |
| BUSE | $2.4B | 19.6× | — | 3.3× | 55.7% | — | 18.8% | 5.5% | 5.5% | — | 61 |
| GABC | $1.8B | 16.0× | — | 3.8× | 37.8% | — | 23.1% | 9.7% | 8.9% | — | 39 |
| PEBO | $1.4B | 12.9× | 12.8× | 16.0× | 2.3% | — | — | 8.8% | 5.8% | 3.1× | 41 |
| UVSP | $1.1B | 12.7× | — | 3.3× | 9.6% | — | 27.7% | 9.6% | 9.4% | — | 49 |
| FMNB | $927M | 10.8× | — | 3.3× | 3.9% | — | 19.5% | 11.2% | 6.4% | — | 33 |
| WASH | $736M | 14.2× | — | 3.2× | 128% | — | 22.8% | 9.6% | 9.6% | — | 39 |
| ACNB | $665M | 18.2× | — | 3.5× | 45.1% | — | 19.3% | 8.8% | 5.0% | — | 22 |
| COFS | $530M | 17.6× | — | 2.3× | 63.6% | — | 12.4% | 6.1% | 6.1% | — | 23 |
| CFFI | $357M | 13.2× | — | 2.5× | 10.6% | — | 19.1% | 10.3% | 9.5% | — | 11 |
| MYFW | $303M | 23.1× | — | 3.1× | 7.6% | — | 13.6% | 5.0% | 5.0% | — | 17 |
| MNSB | $152M | 12.1× | — | 1.1× | -1.6% | 54.3% | 11.5% | 7.1% | 7.1% | — | 16 |
| PFBX | $112M | 28.5× | — | — | — | — | — | 3.9% | 3.9% | — | — |
Peers = companies sharing PFBX's sector (State Commercial Banks) with collected SEC financials. Multiples use the most recent end-of-day close and latest fiscal-year fundamentals (trailing, not forward). Missing cells mean the peer never reported that line item, has no collected price, or has a non-positive denominator. Not investment advice.
EOD close · as of 2026-10-30
How a revenue dollar becomes profit — FY2025
Each value shows its share of revenue below it (common-size).
| Line Item | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Interest Expense | — | — | $6.2M | $2.2M | $830K | $1.6M | $3.2M | $2.7M | $1.4M | $1.0M |
| Pretax Income | $4.8M | $8.4M | $11.3M | $6.5M | $9.0M | -$2.6M | $1.7M | $593K | $1.7M | $245K |
| Income Tax Expense | $900K | -$13.3M | $2.1M | -$2.4M | $62K | $0 | $0 | -$36K | -$1.1M | $78K |
| Net Income | $3.9M | $21.7M | $9.2M | $8.9M | $8.9M | -$2.6M | $1.7M | $629K | $2.8M | $167K |
| Per Share | ||||||||||
| EPS (Basic) | $0.85 | $4.66 | $1.96 | $1.91 | $1.84 | -$0.52 | — | — | — | — |
| EPS (Diluted) | $0.85 | $4.66 | $1.96 | $1.91 | — | — | — | — | — | — |
| Weighted Avg Shares (Basic) | 4.6M | 4.7M | 4.7M | 4.7M | 4.8M | 4.9M | — | — | — | — |
| Weighted Avg Shares (Diluted) | 4.6M | 4.7M | 4.7M | — | — | — | — | — | — | — |
Source: SEC EDGAR XBRL filings (annual, fiscal year). Quarterly flow items are derived from cumulative filings; balance-sheet figures are as-of each period end. Ratios and margins are computed, not reported.
Total return (dividends reinvested) vs the market, from quarter-end prices.
Above 0 = ahead of the S&P 500 since the window start; below 0 = behind. Rising means it's pulling ahead.
How far the stock fell below its prior peak. Deeper, longer drawdowns = a rougher ride to the same return.
Quarter-end, dividend-adjusted (total return). Beta & volatility from quarterly returns (annualized). Benchmark is the S&P 500 (SPY total return). Annual returns compound the quarters ending in each calendar year; the first and last years in a window may be partial. Past performance doesn't predict future results.
EOD close · as of 2026-10-30
Where each multiple sits in its own 14-yr range · 82th pct blended
Dot = today · shaded = middle 50% · line = median. Lower percentile = cheaper vs its own 14-yr history.
Is the profit real, and how strong is the balance sheet?
FY2025 · every deduction from revenue to net income
DuPont — the three levers
ROE 4% against ROIC 4% — 0% of the return on equity comes from leverage and buybacks rather than from the operating business.
What the company owes vs. what it holds
This shows debt/cash structure and net leverage. The year-by-year maturity schedule is on the Debt & Leverage tab.
Latest year: profit growth vs revenue growth
Operating leverage needs meaningful revenue change.
Each line as % of revenue — the trend in color
| % of revenue | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|
Green = margin-favorable vs the row's own range · red = unfavorable.
The metrics that matter, over time
A 30-second read on PFBX: price, valuation and headline fundamentals from SEC filings. The four questions at the top of the page are where the judgements live.
No positive operating income in the last three years, so there is no return on capital to compare against its cost.
Return on equity (4%) and return on invested capital (4%) are within a couple of points in FY2025, so the headline return is the operating return — there is no meaningful leverage effect to strip out.
No material counter-signal in the checked set: ROIC vs WACC spread, 5-year spread history, gross margin trend, operating margin trend, net margin against 3 years ago, revenue growth, ROIC ex-goodwill gap.
Missing from our data, so excluded from this answer: positive EBIT.
Cash conversion of 0.64x sits below the level that would make the earnings clearly cash-backed.
The cash conversion cycle could not be computed — receivables, inventory or cost of revenue is not reported — so the earliest accrual warning is not part of this verdict.
Missing from our data, so excluded from this answer: share_based_compensation.
Leverage is not measurable this way for a bank.
Funded by deposits, so debt-weighted leverage and a WACC are not defined. Capital adequacy (CET1, LCR) is the right question and is not collected yet.
Missing from our data, so excluded from this answer: capital adequacy metrics for this archetype.
At $24.24, free cash flow must compound 8.56%/yr for 10 years. It has done 2.17%/yr over 6 years.
| Fiscal year | FCF growth | Price requires |
|---|---|---|
| FY2020 | 48.4% | 8.6% |
| FY2021 | −51.8% | 8.6% |
| FY2022 | 199.5% | 8.6% |
| FY2023 | −17.6% | 8.6% |
| FY2024 | −22.4% | 8.6% |
| FY2025 | −16.9% | 8.6% |
The percentile ranks the FISCAL-YEAR point, because the distribution behind each strip is built from fiscal-year closes — ranking a TTM figure inside it would compare two different bases. TTM basis: TTM.
The cost of capital could not be computed for this company, so the requirement is solved at the published 10% default — a different rate would move it materially.
| Step | Amount | Running total |
|---|---|---|
| Net income | $4M | $4M |
| Share-based comp | not reported | not reported |
| Other non-cash & working capital | $592,000 | $5M |
| Operating cash flow | $5M | $5M |
| Capex | −$302,000 | $4M |
| Free cash flow | $4M | $4M |
| Fiscal year | Accruals / assets |
|---|---|
| FY2019 | -0.4 percent |
| FY2020 | -1.3 percent |
| FY2021 | 0.5 percent |
| FY2022 | 0.1 percent |
| FY2023 | 0.0 percent |
| FY2024 | 1.9 percent |
| FY2025 | -0.1 percent |
Below the line, the asset base is being consumed faster than it is replaced.
Below the line for 2 consecutive years to the latest.
Depreciation here includes amortisation of acquired intangibles — goodwill written down over time, customer lists, acquired technology. Capex does not replace those and is not meant to, so an acquisitive or asset-light company sits below 1.0 permanently and correctly. The signal is cleanest for capital-intensive businesses, where the two measure the same physical base. For that reason this informs the earnings-quality verdict but never caps it.