How does PPLL's PE Ratio compare to its peers?

PPLL is good value based on its Price-To-Earnings Ratio (8.2x) compared to the peer average (11.5x).

How does PPLL's PE Ratio compare vs other companies in the US Banks Industry?

PPLL is good value based on its Price-To-Earnings Ratio (8.2x) compared to the US Banks industry average (12.4x).

What is PPLL's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

Insufficient data to calculate PPLL's Price-To-Earnings Fair Ratio for valuation analysis.

What is the Fair Price of PPLL when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

PPLL ($67.1) is trading below our estimate of [[fair value]] ($201.52)

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Insufficient data to show price forecast.

PPLL Stock Overview

Operates as the holding company for PS Bank that engages in the provision of various financial services to individuals, small businesses, and corporate customers in Pennsylvania, the United States. More details

PPLL fundamental analysis
Snowflake Score
Valuation	4/6
Future Growth	0/6
Past Performance	2/6
Financial Health	6/6
Dividends	4/6

Rewards

Trading at 66.7% below our estimate of its fair value

Pays a reliable dividend of 3.58%

Risk Analysis

Shares are highly illiquid

Does not have a meaningful market cap ($58M)

My Notes

Capture your thoughts, links and company narrative

Peoples Ltd. Competitors

Oak Ridge Financial Services

OTCPK:BKOR

US$57.3m

Consumers Bancorp

OTCPK:CBKM

US$62.0m

1ST SUMMIT BANCORP of Johnstown

OTCPK:FSMK

US$55.8m

US Metro Bancorp

OTCPK:USMT

US$59.3m

Price History & Performance

Summary of share price highs, lows and changes for Peoples
Historical stock prices
Current Share Price	US$67.10
52 Week High	US$68.20
52 Week Low	US$61.40
Beta	0.26
1 Month Change	7.56%
3 Month Change	8.39%
1 Year Change	n/a
3 Year Change	4.38%
5 Year Change	9.09%
Change since IPO	381.02%

Recent updates

Shareholder Returns

	PPLL	US Banks	US Market
7D	0%	0.8%	0.6%
1Y	n/a	29.4%	23.7%

Return vs Industry: Insufficient data to determine how PPLL performed against the US Banks industry.

Return vs Market: Insufficient data to determine how PPLL performed against the US Market.

Price Volatility

Is PPLL's price volatile compared to industry and market?
PPLL volatility
PPLL Average Weekly Movement	n/a
Banks Industry Average Movement	5.2%
Market Average Movement	6.3%
10% most volatile stocks in US Market	17.5%
10% least volatile stocks in US Market	3.1%

Stable Share Price: PPLL's share price has been volatile over the past 3 months compared to the US market.

Volatility Over Time: Insufficient data to determine PPLL's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1914	n/a	Anthony Gabello	www.psbanking.com

Peoples Ltd. operates as the holding company for PS Bank that engages in the provision of 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, SBA, commercial, commercial real estate, home equity, home improvement, and home equity line of credit loan products, as well as mortgages and debit and credit cards.

Peoples Ltd. Fundamentals Summary

How do Peoples's earnings and revenue compare to its market cap?
PPLL fundamental statistics
Market cap	US$57.77m
Earnings (TTM)	US$7.05m
Revenue (TTM)	US$20.74m

8.2x

P/E Ratio

1.1x

P/B Ratio

Is PPLL overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
PPLL income statement (TTM)
Revenue	US$20.74m
Cost of Revenue	US$0
Gross Profit	US$20.74m
Other Expenses	US$13.69m
Earnings	US$7.05m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	8.19
Gross Margin	100.00%
Net Profit Margin	34.00%
Debt/Equity Ratio	45.5%

How did PPLL perform over the long term?

See historical performance and comparison

Dividends

3.6%

Current Dividend Yield

26%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/31 00:50
End of Day Share Price	2024/12/16 00:00
Earnings	2024/09/30
Annual Earnings	2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Peoples Ltd. is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution