Peoples AI Stock Analysis
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Peoples (PPLL) AI Stock Analysis
Peoples
(Other OTC:PPLL)
The score is driven primarily by strong financial performance (accelerating revenue and higher net income, conservative leverage, and healthy ROE) and attractive valuation (low P/E with a solid dividend yield). Technicals are supportive due to an uptrend above key moving averages, but the very high RSI/Stoch readings temper the overall score due to elevated near-term pullback risk.
Peoples (PPLL) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $120.37M
- Dividend Yield
- 2.61%
- Average Volume (3M)
- 937
- Price to Earnings (P/E)
- 9.4
- Beta (1Y)
- 0.00
- Revenue Growth
- 16.09%
- EPS Growth
- 36.76%
- Country
- US
- Employees
- 5
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
Peoples Business Overview & Revenue Model
Company Description
Peoples Ltd., headquartered in Wyalusing, Pennsylvania, functions as the parent entity for PS Bank, providing a comprehensive range of financial solutions. The company caters to a diverse clientele, including individual consumers, small businesses, a...
How the Company Makes Money
Peoples Ltd. primarily makes money through the earnings of its underlying financial-services investees, with income ultimately reflected at the holding-company level based on its ownership stakes. Key revenue sources at the operating-company level ty...
Peoples Financial Statement Overview
Summary
Fundamentals are solid: revenue growth accelerated in 2025 (~18% vs. ~1% in 2024) and net income increased (~$10.1M vs. ~$7.2M). Balance sheet metrics look conservative with improving debt-to-equity (~0.24 in 2024) and healthy ROE (~12%–17%, ~15% in 2025). Offsets include uneven profitability/cash conversion signals across years (e.g., negative EBITDA in 2023) and limited visibility from missing margin/asset-quality details in the provided data.
Income Statement
74PositiveBalance Sheet
82Very PositiveCash Flow
71Positive| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 40.23M | 36.65M | 31.23M | 20.28M | 18.92M | 19.99M |
| Gross Profit | 29.13M | 25.74M | 21.22M | 26.68M | 18.44M | 18.23M |
| EBITDA | 14.90M | 13.13M | 8.84M | 9.70M | 9.24M | 8.99M |
| Net Income | 12.37M | 10.11M | 7.21M | 7.30M | 6.96M | 6.83M |
Balance Sheet | ||||||
| Total Assets | 675.78M | 641.89M | 581.95M | 532.30M | 546.40M | 477.30M |
| Cash, Cash Equivalents and Short-Term Investments | 9.35M | 61.12M | 49.68M | 25.77M | 73.02M | 63.55M |
| Total Debt | 12.50M | 11.88M | 13.24M | 8.00M | 8.00M | 8.00M |
| Total Liabilities | 604.38M | 575.42M | 527.29M | 483.63M | 505.69M | 430.80M |
| Stockholders Equity | 71.40M | 66.47M | 54.65M | 48.67M | 40.72M | 46.49M |
Cash Flow | ||||||
| Free Cash Flow | 0 | 8.78M | 7.60M | 7.41M | 7.29M | 14.76M |
| Operating Cash Flow | 0 | 9.21M | 8.33M | 8.18M | 10.66M | 15.69M |
| Investing Cash Flow | 0 | -43.40M | -20.63M | -31.56M | -74.61M | -37.38M |
| Financing Cash Flow | 0 | 45.64M | 41.03M | -23.87M | 73.42M | 28.97M |
Peoples Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For PPLL, the sentiment is Positive. The current price of 66.37 is above the 20-day moving average (MA) of 61.49, above the 50-day MA of 58.97, and above the 200-day MA of 58.77, indicating a bullish trend. The MACD of 2.17 indicates Negative momentum. The RSI at 81.72 is Negative, neither overbought nor oversold. The STOCH value of 88.47 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for PPLL.
Peoples Peers Comparison
Overall Rating
LSBK79Outperform- PPLL76Outperform
AUBN73Outperform
PBHC58Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| LSBK | 79Outperform | $147.51M | 16.80 | 5.85% | 1.91% | 4.31% | 24.65% |
| PPLL | 76Outperform | $118.67M | 9.39 | 18.44% | 2.61% | 16.09% | 36.76% |
| AUBN | 73Outperform | $88.20M | 10.22 | 9.42% | 4.17% | 4.68% | 21.56% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| PBHC | 58Neutral | $105.17M | -41.15 | 0.08% | 2.45% | -6.61% | -78.36% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| PPLL | Peoples | 66.37 | 13.82 | 26.31% | |
| AUBN | Auburn National Bancorporation | 25.93 | 1.78 | 7.36% | |
| LSBK | Lake Shore Bancorp | 18.82 | 4.88 | 35.06% | |
| PBHC | Pathfinder | 16.57 | 2.11 | 14.59% |
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.
Date of analysis: Nov 04, 2026