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Peoples
(OTC:PPLL)
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Rating:73Outperform
Price Target:
$65.00
â–²(12.07% Upside)
Action:Reiterated
Date:08/04/26
The score is driven primarily by strong fundamentals (accelerating revenue and earnings, conservative leverage, and healthy ROE) and attractive valuation (low P/E with a solid dividend). These positives are partly offset by softer near-term technical momentum, with price below key moving averages and a negative MACD.
Positive Factors
Revenue & earnings acceleration
Sharp top-line and net-income improvement in 2025 indicates durable recovery in core business activity and better operating leverage. Sustained revenue growth increases internal funding for lending, dividends, and reinvestment, strengthening franchise resilience over months.
Negative Factors
Margin visibility and volatility
Lack of transparent 2025 margin metrics and prior swings (e.g., negative EBITDA in 2023) undermine confidence that earnings gains are durable. If margins revert, profitability and internal capital for growth or distributions could weaken materially.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue & earnings acceleration
Sharp top-line and net-income improvement in 2025 indicates durable recovery in core business activity and better operating leverage. Sustained revenue growth increases internal funding for lending, dividends, and reinvestment, strengthening franchise resilience over months.
Read all positive factors
Peoples (PPLL) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$106.58M
Dividend Yield2.87%
Average Volume (3M)170.00
Price to Earnings (P/E)8.4
Beta (1Y)0.04
Revenue Growth19.90%
EPS Growth53.19%
CountryUS
Employees5
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)6.90
Shares Outstanding1,813,551
10 Day Avg. Volume50
30 Day Avg. Volume170
Financial Highlights & Ratios
PEG Ratio0.31
Price to Book (P/B)1.58
Price to Sales (P/S)2.87
P/FCF Ratio11.99
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
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...
How the Company Makes Money
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Peoples Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
82
Very Positive
Cash Flow
71
Positive
| 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 | 0.00 | 8.78M | 7.60M | 7.41M | 7.29M | 14.76M |
| Operating Cash Flow | 0.00 | 9.21M | 8.33M | 8.18M | 10.66M | 15.69M |
| Investing Cash Flow | 0.00 | -43.40M | -20.63M | -31.56M | -74.61M | -37.38M |
| Financing Cash Flow | 0.00 | 45.64M | 41.03M | -23.87M | 73.42M | 28.97M |
Peoples Technical Analysis
Negative
58.00
Price Trends
58.66
Negative
59.01
Negative
57.58
Positive
Market Momentum
-0.18
Negative
41.64
Neutral
33.78
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For PPLL, the sentiment is Negative. The current price of 58 is below the 20-day moving average (MA) of 58.18, below the 50-day MA of 58.66, and above the 200-day MA of 57.58, indicating a neutral trend. The MACD of -0.18 indicates Negative momentum. The RSI at 41.64 is Neutral, neither overbought nor oversold. The STOCH value of 33.78 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for PPLL.
Peoples Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
76 Outperform | $91.35M | 10.85 | 9.30% | 4.06% | -1.67% | 26.05% | |
75 Outperform | $135.00M | 15.33 | 6.50% | 2.09% | 5.96% | 48.76% | |
73 Outperform | $106.58M | 8.41 | 17.32% | 2.90% | 19.90% | 53.19% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
56 Neutral | $102.29M | -74.32 | -1.08% | 2.50% | -7.07% | 151.23% |
* Financial Sector Average
PPLL
Peoples
57.98
9.85
20.47%
AUBN
Auburn National Bancorporation
26.26
0.48
1.85%
LSBK
Lake Shore Bancorp
17.07
4.99
41.26%
PBHC
Pathfinder Bancorp
16.29
2.26
16.08%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
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.