OTCPK:PPLL

Stock Analysis Report

Executive Summary

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.

Snowflake

Fundamentals

Flawless balance sheet with proven track record.


Similar Companies

Share Price & News

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


Latest Share Price and Events


Market Performance


7 Day Return

0%

PPLL

2.7%

US Banks

0.5%

US Market


1 Year Return

24.9%

PPLL

2.9%

US Banks

6.8%

US Market

Return vs Industry: PPLL exceeded the US Banks industry which returned 2.9% over the past year.

Return vs Market: PPLL exceeded the US Market which returned 6.8% over the past year.


Shareholder returns

PPLLIndustryMarket
7 Day0%2.7%0.5%
30 Day0%1.1%-0.8%
90 Day6.7%2.7%-0.9%
1 Year28.9%24.9%5.8%2.9%9.2%6.8%
3 Yearn/a52.0%41.5%45.6%36.2%
5 Year104.3%75.2%69.2%50.7%63.2%45.4%

Price Volatility Vs. Market

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


Simply Wall St News

No news available

Valuation

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

10.5x

Price to Earnings (PE) ratio


Share Price vs. Fair Value

Below Fair Value: PPLL ($80) is trading above our estimate of fair value ($70.18)

Significantly Below Fair Value: PPLL is trading above our estimate of fair value.


Price To Earnings Ratio

PE vs Industry: PPLL is good value based on its PE Ratio (10.5x) compared to the Banks industry average (12.5x).

PE vs Market: PPLL is good value based on its PE Ratio (10.5x) compared to the US market (17.7x).


Price to Earnings Growth Ratio

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


Price to Book Ratio

PB vs Industry: PPLL is overvalued based on its PB Ratio (1.5x) compared to the US Banks industry average (1.2x).


Next Steps

Future Growth

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

-2.0%

Forecasted annual earnings growth


Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: PPLL's earnings are forecast to decline over the next 3 years (-2% per year).

Earnings vs Market: PPLL's earnings are forecast to decline over the next 3 years (-2% per year).

High Growth Earnings: PPLL's earnings are forecast to decline over the next 3 years.

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

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


Earnings per Share Growth Forecasts


Future Return on Equity

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


Next Steps

Past Performance

How has Peoples performed over the past 5 years?

10.5%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Earnings Trend: PPLL's earnings have grown by 10.5% per year over the past 5 years.

Accelerating Growth: PPLL's earnings growth over the past year (59.9%) exceeds its 5-year average (10.5% per year).

Earnings vs Industry: PPLL earnings growth over the past year (59.9%) exceeded the Banks industry 29.7%.


Return on Equity

High ROE: PPLL's Return on Equity (14.7%) is considered low.


Return on Assets

ROA vs Industry: PPLL has a higher Return on Assets than the Banks industry average last year.


Return on Capital Employed

ROCE Improving: Insufficient data to calculate PPLL's Return on Capital Employed to determine if it has improved over the past 3 years.


Next Steps

Financial Health

How is Peoples'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: PPLL has a low level of unsold assets or inventory.

Debt Coverage by Assets: PPLL's debt is covered by short term assets (assets are 1.615420x debt).


Financial Institutions Analysis

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

Allowance for Bad Loans: PPLL has a sufficient allowance for bad loans.

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

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

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

Level of Bad Loans: PPLL has an appropriate level of bad loans (0.54%)


Next Steps

Dividend

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

2.75%

Current Dividend Yield


Dividend Yield vs Market

company2.8%marketbottom25%1.4%markettop25%3.7%industryaverage3.0%forecastin3Yearsn/a

Current dividend yield vs market & industry


Stability and Growth of Payments

Notable Dividend: PPLL's dividend (2.75%) is higher than the bottom 25% of dividend payers in the US market (1.45%).

High Dividend: PPLL's dividend (2.75%) is low compared to the top 25% of dividend payers in the US market (3.73%).

Stable Dividend: Whilst dividend payments have been stable, PPLL has been paying a dividend for less than 10 years.

Growing Dividend: PPLL's dividend payments have increased, but the company has only paid a dividend for 8 years.


Current Payout to Shareholders

Dividend Coverage: With its reasonably low payout ratio (25.5%), PPLL's dividend payments are well covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.


Next Steps

Management

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

8.8yrs

Average management tenure


CEO

Anthony Gabello 0

8.8yrs

Tenure

0

Mr. Anthony J. Gabello has been Chief Executive Officer and President of PS Bank, a subsidiary of Peoples Ltd. since October 2011. Mr. Gabello has been Director of PS Bank, a subsidiary of Peoples Ltd. sin ...


Management Age and Tenure

8.8yrs

Average Tenure

Experienced Management: PPLL's management team is seasoned and experienced (8.8 years average tenure).


Board Age and Tenure

8.0yrs

Average Tenure

Experienced Board: PPLL's board of directors are considered experienced (8 years average tenure).


Insider Trading

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


Management Team

  • Phil Farr

    Senior VP & CFO

    • Tenure: 11.8yrs
  • Valerie Kinney

    Senior VP and Retail

    • Tenure: 0yrs
  • Anthony Gabello

    President

    • Tenure: 8.8yrs
  • William Joseph

    Senior VP & Senior Loan Officer

    • Tenure: 0yrs
  • P. Homer

    Secretary & Director

    • Tenure: 21.8yrs
  • Jim Souto

    Senior VP

    • Tenure: 0yrs
  • Tim Tewksbury

    Senior VP & Chief Information Officer

    • Tenure: 3.7yrs
  • Bette Howell

    VP and Chief Compliance & Security Officer

    • Tenure: 0yrs

Board Members

  • Judd Fitze (67yo)

    Director

    • Tenure: 7.2yrs
  • Jay Chadwick

    Chairman of the Board

    • Tenure: 6.8yrs
  • Anthony Gabello

    President

    • Tenure: 8.8yrs
  • P. Homer

    Secretary & Director

    • Tenure: 21.8yrs
  • Tracy Keeney

    Director

    • Tenure: 8.8yrs
  • JoAnne Kizer

    Director

    • Tenure: 17.8yrs
  • Andy Ripic

    Director

    • Tenure: 2.8yrs
  • Pat Perih

    Director

    • Tenure: 2.3yrs

Company Information

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


Key Information

  • Name: Peoples Ltd.
  • Ticker: PPLL
  • Exchange: OTCPK
  • Founded: 1914
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$50.856m
  • Shares outstanding: 635.70k
  • Website: https://www.psbanking.com

Location

  • Peoples Ltd.
  • 42621 Route 6
  • PO Box 217
  • Wyalusing
  • Pennsylvania
  • 18853
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
PPLLOTCPK (Pink Sheets LLC)YesCommon StockUSUSDSep 1998

Biography

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 dep ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/10/20 23:39
End of Day Share Price2019/09/17 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.