Peoples (PPLL) AI Stock Analysis

• Market Cap: $90.59M
• Dividend Yield: 3.55%
• Average Volume (3M): 144.00
• Price to Earnings (P/E): 11.1
• Beta (1Y): 0.03
• Revenue Growth: N/A
• EPS Growth: N/A
• Country: US
• Employees: 72
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 1.32
• Shares Outstanding: 1,723,946
• 10 Day Avg. Volume: 42
• 30 Day Avg. Volume: 144
• PEG Ratio: -2.43
• Price to Book (P/B): 0.53
• Price to Sales (P/S): 0.93
• P/FCF Ratio: 3.80
• Enterprise Value/Market Cap: 0.80
• Enterprise Value/Revenue: 2.35
• Enterprise Value/Gross Profit: 6.21
• Enterprise Value/Ebitda: 7.33
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 77 Outperform
• Price Target: ―

Peoples' stock is supported by strong financial performance, consistent revenue growth, and a conservative financial profile. The technical indicators show a positive trend, and the valuation suggests potential undervaluation. Although the earnings call lacks detailed insights, the absence of negative news maintains a stable outlook. The score reflects balanced strengths across financial, technical, and valuation metrics.

Peoples Business Overview & Revenue Model

Company Description

Peoples Ltd. operates as the holding company for PS Bank that provides various financial services to individuals, small businesses, and corporate customers in Pennsylvania, the United States. It offers savings, checking, money market, business checking, NOW checking, and individual retirement accounts, as well as certificates of deposit. The company also provides auto and personal, business, commercial, home equity, and home equity line of credit loan products, as well as mortgages and credit cards. In addition, the company offers business services comprising online cash management, credit card processing, remote deposit capture, and positive pay; investments and insurance products; and retirement planning services, as well as mobile and online banking services. It operates through eight branches in the Bradford, Sullivan, Wyoming, and Lackawanna counties of Pennsylvania. Peoples Ltd. was founded in 1914 and is based in Wyalusing, Pennsylvania.

How the Company Makes Money

Peoples generates revenue primarily through the distribution and sale of natural gas to customers across various segments including residential, commercial, and industrial sectors. The company charges customers for the natural gas they consume, which is typically measured in cubic feet or therms. Additional revenue streams include service fees for maintenance and installation of gas-related infrastructure and appliances. Peoples may also enter into partnerships with other energy companies to expand its service offerings and geographic reach, enhancing its revenue potential.

Peoples Financial Statement Overview

Summary

Peoples demonstrates strong financial performance with consistent revenue and profitability growth. The company shows a conservative leverage profile and efficient cash management. However, the negative EBITDA margin and reduction in operating cash flow should be monitored.

Income Statement

Peoples shows a consistent revenue growth trajectory, with a Revenue Growth Rate of 8.79% from 2022 to 2023. The Net Profit Margin improved to 36.00% in 2023 from 37.32% in 2022, demonstrating strong profitability. The Gross Profit Margin significantly increased to 131.55% due to changes in accounting treatment or reclassification. The company's EBIT Margin improved to 56.59%, indicating efficient cost management. However, the EBITDA Margin is negative due to a negative EBITDA figure for 2023, which indicates potential issues with operating expenses or non-cash charges.

Balance Sheet

Peoples maintains a strong equity base with an Equity Ratio of 9.15% as of 2023, slightly lower than 8.83% in 2022, indicating stable financial health. The Debt-to-Equity Ratio decreased to 0.16, reflecting a conservative leverage approach. Return on Equity improved to 15.00% from 17.08% in 2022, suggesting effective utilization of shareholder funds despite the decrease in equity ratio.

Cash Flow

The Free Cash Flow shows a modest growth of 1.65% from 2022 to 2023, indicating stable cash generation. The Operating Cash Flow to Net Income Ratio is 1.12, showing that operating cash flow adequately covers net income. The Free Cash Flow to Net Income Ratio is 1.01, highlighting that free cash flow is closely aligned with net income, indicating efficient cash management. However, the reduction in Operating Cash Flow from 2022 to 2023 is a concern and needs monitoring.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	30.94M	31.23M	20.28M	18.92M	19.99M	20.22M
Gross Profit	11.73M	21.22M	26.68M	18.44M	18.23M	20.22M
EBITDA	9.93M	8.84M	-228.00K	9.24M	8.99M	6.78M
Net Income	8.08M	7.21M	7.30M	6.96M	6.83M	5.20M
Balance Sheet
Total Assets	616.22M	581.95M	532.30M	546.40M	477.30M	443.45M
Cash, Cash Equivalents and Short-Term Investments	0.00	0.00	25.77M	73.02M	63.55M	56.27M
Total Debt	11.50M	13.24M	8.00M	8.00M	8.00M	21.81M
Total Liabilities	556.27M	527.29M	483.63M	505.69M	430.80M	400.28M
Stockholders Equity	59.95M	54.65M	48.67M	40.72M	46.49M	43.17M
Cash Flow
Free Cash Flow	0.00	7.60M	7.41M	7.29M	14.76M	3.54M
Operating Cash Flow	0.00	8.33M	8.18M	10.66M	15.69M	4.38M
Investing Cash Flow	0.00	-20.63M	-31.56M	-74.61M	-37.38M	-10.88M
Financing Cash Flow	0.00	41.03M	-23.87M	73.42M	28.97M	35.45M

Peoples Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 53.02
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For PPLL, the sentiment is Neutral. The current price of 53.02 is above the 20-day moving average (MA) of 52.68, above the 50-day MA of 51.84, and above the 200-day MA of 43.08, indicating a neutral trend. The MACD of 0.42 indicates Positive momentum. The RSI at 50.87 is Neutral, neither overbought nor oversold. The STOCH value of 28.96 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for PPLL.

Peoples Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
PPLL	77 Outperform	$90.59M	11.11	15.00%	3.55%	―	―
IROQ	69 Neutral	$84.83M	18.53	5.53%	1.57%	6.61%	139.05%
LSBK	68 Neutral	$99.27M	17.15	6.43%	2.76%	1.31%	33.35%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
AUBN	65 Neutral	$87.34M	13.12	8.25%	4.32%	27.65%	996.66%
CFSB	54 Neutral	$92.47M	―	-0.35%	―	11.64%	-913.46%
PBHC	47 Neutral	$93.27M	162.06	2.33%	2.65%	8.19%	―