Peoples Fin (PFIS) — Cash Flow Quality Index
Latest as of June 2026:
0.97x
Peoples Fin (PFIS) has a Cash Flow Quality Index of 0.97x as of June 2026. Operating cash flow of $13.87 Million is below net income of $14.31 Million, suggesting accrual-heavy earnings not yet converted to cash. Explore Peoples Fin debt service capacity to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
0.97x
Operating CF / Net Income
Operating Cash Flow
$13.87 Million
USD
Net Income
$14.31 Million
USD
Data as of
Jun 2026
Most recent filing
Peoples Fin Cash Flow Quality Index (1997–2025)
Historical Cash Flow Quality Index for Peoples Fin across 29 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see Peoples Fin cash conversion from operations.
Annual Cash Flow Quality Index for Peoples Fin (1997–2025)
Year-by-year earnings quality comparison for Peoples Fin.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 0.92x | $54.27 Million | $59.19 Million | ▼ -77.0% |
| 2024 | 3.99x | $33.92 Million | $8.50 Million | ▲ +228.7% |
| 2023 | 1.21x | $33.25 Million | $27.38 Million | ▲ +9.2% |
| 2022 | 1.11x | $42.36 Million | $38.09 Million | ▲ +18.7% |
| 2021 | 0.94x | $40.77 Million | $43.52 Million | ▼ -26.0% |
| 2020 | 1.27x | $37.18 Million | $29.35 Million | ▼ -12.1% |
| 2019 | 1.44x | $37.08 Million | $25.74 Million | ▲ +10.0% |
| 2018 | 1.31x | $32.63 Million | $24.92 Million | ▼ -15.5% |
| 2017 | 1.55x | $28.59 Million | $18.46 Million | ▲ +8.1% |
| 2016 | 1.43x | $28.05 Million | $19.58 Million | ▼ -13.0% |
| 2015 | 1.65x | $29.18 Million | $17.72 Million | ▲ +20.1% |
| 2014 | 1.37x | $24.20 Million | $17.65 Million | ▼ -39.9% |
| 2013 | 2.28x | $13.06 Million | $5.72 Million | ▲ +109.3% |
| 2012 | 1.09x | $11.55 Million | $10.59 Million | ▼ -17.6% |
| 2011 | 1.32x | $13.94 Million | $10.53 Million | ▼ -23.4% |
| 2010 | 1.73x | $11.21 Million | $6.49 Million | ▲ +110.2% |
| 2009 | 0.82x | $4.15 Million | $5.05 Million | ▼ -69.6% |
| 2008 | 2.70x | $8.21 Million | $3.04 Million | ▲ +85.5% |
| 2007 | 1.46x | $7.09 Million | $4.87 Million | ▲ +5.4% |
| 2006 | 1.38x | $5.70 Million | $4.13 Million | ▲ +5.2% |
| 2005 | 1.31x | $5.88 Million | $4.48 Million | ▼ -20.7% |
| 2004 | 1.66x | $7.37 Million | $4.45 Million | ▲ +22.1% |
| 2003 | 1.36x | $7.54 Million | $5.56 Million | ▲ +6.6% |
| 2002 | 1.27x | $6.38 Million | $5.01 Million | ▲ +63.7% |
| 2001 | 0.78x | $3.76 Million | $4.84 Million | ▼ -31.6% |
| 2000 | 1.14x | $4.44 Million | $3.91 Million | ▼ -0.6% |
| 1999 | 1.14x | $4.33 Million | $3.79 Million | ▼ -10.7% |
| 1998 | 1.28x | $4.36 Million | $3.41 Million | ▲ +10.6% |
| 1997 | 1.16x | $3.48 Million | $3.01 Million | — |
Cash Flow Quality Index = Operating Cash Flow / Net Income. Ratios above 1.0x indicate cash-backed earnings.