OTCPK:PBVA

Stock Analysis Report

Executive Summary

Peoples Bankshares, Inc. operates as the bank holding company for Peoples Community Bank that provides various banking products and services to individuals and businesses in the United States.

Snowflake

Fundamentals

Adequate balance sheet with weak fundamentals.

Share Price & News

How has Peoples Bankshares's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

0%

PBVA

2.7%

US Banks

0.4%

US Market


1 Year Return

31.3%

PBVA

2.7%

US Banks

6.9%

US Market

Return vs Industry: PBVA exceeded the US Banks industry which returned 2.7% over the past year.

Return vs Market: PBVA exceeded the US Market which returned 6.9% over the past year.


Shareholder returns

PBVAIndustryMarket
7 Day0%2.7%0.4%
30 Day1.2%0.2%-1.2%
90 Day75.0%2.9%-0.4%
1 Year31.8%31.3%5.7%2.7%9.3%6.9%
3 Year149.0%138.6%52.1%41.6%45.8%36.4%
5 Yearn/a69.2%50.7%62.9%45.1%

Price Volatility Vs. Market

How volatile is Peoples Bankshares's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Peoples Bankshares undervalued compared to its fair value and its price relative to the market?

1.39x

Price to Book (PB) ratio


Share Price vs. Fair Value

Undervalued: Insufficient data to calculate PBVA's fair value to establish if it is undervalued.

Significantly Undervalued: Insufficient data to calculate PBVA's fair value to establish if it is undervalued.


Price To Earnings Ratio

PE vs Industry: PBVA is unprofitable, so we can't compare its PE Ratio to the Banks industry average.

PE vs Market: PBVA is unprofitable, so we can't compare its PE Ratio to the US market.


Price to Earnings Growth Ratio

Low PEG Ratio: Insufficient data to calculate PBVA's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: PBVA is overvalued based on its PB Ratio (1.4x) compared to the US Banks industry average (1.2x).


Next Steps

Future Growth

How is Peoples Bankshares forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

31.6%

Forecasted annual earnings growth


Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: PBVA is forecast to remain unprofitable over the next 3 years.

Earnings vs Market: PBVA is forecast to remain unprofitable over the next 3 years.

High Growth Earnings: PBVA is forecast to remain unprofitable over the next 3 years.

Revenue vs Market: Insufficient data to determine if PBVA's revenue is forecast to grow faster than the US market.

High Growth Revenue: Insufficient data to determine if PBVA's revenue is forecast to grow faster than 20% per year.


Earnings per Share Growth Forecasts


Future Return on Equity

High Future ROE: Insufficient data to determine if PBVA's Return on Equity is forecast to be high in 3 years time


Next Steps

Past Performance

How has Peoples Bankshares performed over the past 5 years?

-20.0%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Earnings Trend: PBVA is unprofitable, and losses have increased over the past 5 years at a rate of -20% per year.

Accelerating Growth: Unable to compare PBVA's earnings growth over the past year to its 5-year average as it is currently unprofitable

Earnings vs Industry: PBVA is unprofitable, making it difficult to compare its past year earnings growth to the Banks industry (29.6%).


Return on Equity

High ROE: PBVA has a negative Return on Equity (-3.71%), as it is currently unprofitable.


Return on Assets

ROA vs Industry: PBVA is currently unprofitable, so its Return on Assets is negative.


Return on Capital Employed

ROCE Improving: PBVA is currently unprofitable, so its Return on Capital Employed is negative.


Next Steps

Financial Health

How is Peoples Bankshares's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet

Inventory Level: PBVA has a low level of unsold assets or inventory.

Debt Coverage by Assets: PBVA's debt is covered by short term assets (assets are 1.989510x debt).


Financial Institutions Analysis

Asset Level: PBVA's level of assets compared to its equity is moderate.

Allowance for Bad Loans: Insufficient data to determine if PBVA has a sufficient allowance for bad loans.

Low Risk Liabilities: PBVA's liabilities are made up of primarily low risk sources of funding.

Loan Level: PBVA has an acceptable proportion of non-loan assets held.

Low Risk Deposits: PBVA's loans are broadly funded by customer deposits.

Level of Bad Loans: Insufficient data to determine if PBVA has an appropriate level of bad loans.


Next Steps

Dividend

What is Peoples Bankshares's current dividend yield, its reliability and sustainability?


Dividend Yield vs Market

company0%marketbottom25%1.4%markettop25%3.7%industryaverage3.0%forecastin3Yearsn/a

Current dividend yield vs market & industry


Stability and Growth of Payments

Notable Dividend: Unable to evaluate PBVA's dividend yield against the bottom 25% of dividend payers, as the company has not reported any payouts.

High Dividend: Unable to evaluate PBVA's dividend yield against the top 25% of dividend payers, as the company has not reported any payouts.

Stable Dividend: Insufficient data to determine if PBVA's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if PBVA's dividend payments have been increasing.


Current Payout to Shareholders

Dividend Coverage: PBVA is not paying a notable dividend for the US market.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of PBVA's dividend in 3 years as they are not forecast to pay a notable one for the US market.


Next Steps

Management

What is the CEO of Peoples Bankshares's salary, the management and board of directors tenure and is there insider trading?


CEO

Bob Bailey (66yo)

0yrs

Tenure

0

Mr. Robert K. Bailey, III, also known as Bob, has served as President and Chief Executive Officer of Peoples Community Bank since March 2009. Mr. Bailey's tenure with Peoples Community Bank began in 2000;  ...


Insider Trading

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Ownership Breakdown


Management Team

  • Zirkle Blakey (61yo)

    Executive VP

    • Tenure: 1.8yrs
  • Bob Bailey (66yo)

    President

    • Tenure: 0yrs
  • William Ware

    Senior VP & Senior Lending Officer of Peoples Community Bank

    • Tenure: 0yrs
  • Stephanie Burch

    VP & Market Manager

    • Tenure: 0.8yrs

Board Members

  • Zirkle Blakey (61yo)

    Executive VP

    • Tenure: 1.8yrs
  • George Sisson

    Chairman

    • Tenure: 0yrs
  • Bob Bailey (66yo)

    President

    • Tenure: 0yrs
  • William Herbert

    Director

    • Tenure: 0yrs
  • Michael O'malley

    Director

    • Tenure: 0yrs
  • Linwood Wadsworth

    Director

    • Tenure: 0yrs
  • James Wilkerson

    Director

    • Tenure: 0yrs
  • Carl Flemer

    Director Emeritus

    • Tenure: 0yrs
  • Margaret Ransone

    Director

    • Tenure: 3.8yrs

Company Information

Peoples Bankshares, Inc.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Peoples Bankshares, Inc.
  • Ticker: PBVA
  • Exchange: OTCPK
  • Founded: 1913
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$20.551m
  • Shares outstanding: 391.45k
  • Website: https://www.peoplescommunitybank.biz

Location

  • Peoples Bankshares, Inc.
  • 15960 Kings Highway
  • PO Box 306
  • Montross
  • Virginia
  • 22520
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
PBVAOTCPK (Pink Sheets LLC)YesCommon StockUSUSDJul 2003

Biography

Peoples Bankshares, Inc. operates as the bank holding company for Peoples Community Bank that provides various banking products and services to individuals and businesses in the United States. It offers sa ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/10/18 23:49
End of Day Share Price2019/10/04 00:00
Earnings2018/12/31
Annual Earnings2018/12/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.