Peoples (PPLL) AI Stock Analysis

86 Followers

Peoples

(Other OTC:PPLL)

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Rating:75Outperform

Price Target:$72.00▲(11.85% Upside)

Action:reiterated

Date:08/07/26

Robust financial performance with strong growth and stability drives the score, supported by attractive valuation. Slightly bearish technicals temper the outlook.

Positive Factors

Accelerating revenue and earnings growthThe sharp acceleration in revenue, accompanied by stronger net income, indicates improving operating momentum and expanding earnings capacity. If maintained, this combination can support reinvestment, strengthen the group’s financial-services platform, and provide a durable base for future profitability.

Negative Factors

Inconsistent profitabilityThe history of uneven profitability, including negative EBITDA in 2023, indicates that earnings performance has not been fully consistent through the cycle. This can make future results less predictable and may limit confidence that recent earnings growth will translate into sustained margin strength.

Peoples (PPLL) vs. SPDR S&P 500 ETF (SPY)

Market Cap: $113.31M
Dividend Yield: 2.69%
Average Volume (3M): 985
Price to Earnings (P/E): 8.8
Beta (1Y): 0.04
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

Strong revenue growth of 18.5% in 2025 and net income improvement to $10.1M, with stable balance sheet showing asset growth to $641.9M and reduced debt-to-equity ratio. Positive cash flows from operations at $9.2M, though minor margin volatility and historical fluctuations noted.

Income Statement

85Very Positive

Balance Sheet

78Positive

Cash Flow

80Positive

Financial statement breakdown
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

Technical Analysis SentimentPositive

Last Price64.37

Price Trends

50DMA58.02Positive

100DMA58.03Positive

200DMA58.60Positive

Market Momentum

MACD1.35Negative

RSI89.22Negative

STOCH80.72Negative

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 64.37 is above the 20-day moving average (MA) of 59.01, above the 50-day MA of 58.02, and above the 200-day MA of 58.60, indicating a bullish trend. The MACD of 1.35 indicates Negative momentum. The RSI at 89.22 is Negative, neither overbought nor oversold. The STOCH value of 80.72 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

UnderperformOutperform

Sector (68)

Financial Indicators

PPLL against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
AUBN	77Outperform	$88.75M	10.11	9.42%	4.29%	-1.64%	21.56%
LSBK	75Outperform	$145.87M	16.78	7.78%	1.92%	4.31%	24.16%
PPLL	75Outperform	$113.31M	8.84	18.44%	2.69%	16.09%	36.76%
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
PBHC	58Neutral	$106.45M	2294.52	-5.76%	2.43%	-6.61%	-78.36%

* Financial Sector Average

Performance Comparison

PPLL and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
PPLL	Peoples	64.37	12.29	23.60%
AUBN	Auburn National Bancorporation	25.18	-0.18	-0.73%
LSBK	Lake Shore Bancorp	18.79	4.83	34.56%
PBHC	Pathfinder	16.75	2.05	13.91%

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.

Date of analysis: Aug 04, 2026

Peoples AI Stock Analysis