OTCPK:PPSF

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Peoples-Sidney Financial

Executive Summary

Peoples-Sidney Financial Corporation, together with its subsidiary, Peoples Federal Savings and Loan Association, provides financial services. More Details


Snowflake Analysis

Flawless balance sheet with proven track record.

Share Price & News

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


Latest Share Price and Events

Stable Share Price: PPSF has not had significant price volatility in the past 3 months.


Market Performance


7 Day Return

6.6%

PPSF

-2.5%

US Mortgage

-0.7%

US Market


1 Year Return

-22.0%

PPSF

-18.0%

US Mortgage

19.9%

US Market

Return vs Industry: PPSF underperformed the US Mortgage industry which returned -18% over the past year.

Return vs Market: PPSF underperformed the US Market which returned 19.9% over the past year.


Shareholder returns

PPSFIndustryMarket
7 Day6.6%-2.5%-0.7%
30 Day8.2%3.6%5.8%
90 Day20.8%13.1%8.3%
1 Year-19.7%-22.0%-15.6%-18.0%22.7%19.9%
3 Year1.2%-7.1%-3.5%-11.5%43.5%33.9%
5 Year51.9%29.1%18.8%2.8%86.9%65.8%

Price Volatility Vs. Market

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


Simply Wall St News

No news available

Valuation

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

14.61x

Price to Earnings (PE) ratio


Share Price vs. Fair Value

Below Fair Value: PPSF ($9.75) is trading above our estimate of fair value ($2.75)

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


Price To Earnings Ratio

PE vs Industry: PPSF is poor value based on its PE Ratio (14.6x) compared to the US Mortgage industry average (11.1x).

PE vs Market: PPSF is good value based on its PE Ratio (14.6x) compared to the US market (19x).


Price to Earnings Growth Ratio

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


Price to Book Ratio

PB vs Industry: PPSF's PB Ratio (0.8x) is in line with the US Mortgage industry average.


Next Steps

Future Growth

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

-12.6%

Forecasted Banks industry annual growth in earnings


In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Peoples-Sidney Financial has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.


Next Steps

Past Performance

How has Peoples-Sidney Financial performed over the past 5 years?

48.3%

Last years earnings growth


Earnings and Revenue History

Quality Earnings: PPSF has high quality earnings.

Growing Profit Margin: PPSF's current net profit margins (18.3%) are higher than last year (13%).


Past Earnings Growth Analysis

Earnings Trend: PPSF has become profitable over the past 5 years.

Accelerating Growth: Insufficient data to compare PPSF's past year earnings growth to its 5-year average.

Earnings vs Industry: PPSF earnings growth over the past year (48.3%) exceeded the Mortgage industry 5.3%.


Return on Equity

High ROE: PPSF's Return on Equity (5.2%) is considered low.


Next Steps

Financial Health

How is Peoples-Sidney Financial'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


Financial Institutions Analysis

Asset Level: PPSF's Assets to Equity ratio (7.5x) is low.

Allowance for Bad Loans: PPSF has a sufficient allowance for bad loans (108%).

Low Risk Liabilities: 96% of PPSF's liabilities are made up of primarily low risk sources of funding.

Loan Level: PPSF has an appropriate level of Loans to Assets ratio (73%).

Low Risk Deposits: PPSF's Loans to Deposits ratio (88%) is appropriate.

Level of Bad Loans: PPSF has an appropriate level of bad loans (1.2%).


Next Steps

Dividend

What is Peoples-Sidney Financial current dividend yield, its reliability and sustainability?

3.28%

Current Dividend Yield


Dividend Yield vs Market

Notable Dividend: PPSF's dividend (3.28%) is higher than the bottom 25% of dividend payers in the US market (1.62%).

High Dividend: PPSF's dividend (3.28%) is low compared to the top 25% of dividend payers in the US market (4.66%).


Stability and Growth of Payments

Stable Dividend: PPSF's dividends per share have been stable in the past 10 years.

Growing Dividend: PPSF's dividend payments have fallen over the past 10 years.


Current Payout to Shareholders

Dividend Coverage: With its reasonably low payout ratio (47.9%), PPSF'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

How experienced are the management team and are they aligned to shareholders interests?

8.8yrs

Average board tenure


CEO

Deb Geuy (62 yo)

3.75yrs

Tenure

Mrs. Debra A. Geuy serves as Chief Executive Officer, President & Director at Peoples-Sidney Financial Corporation and served as its Chief Financial Officer, Chief Operating Officer, Vice President and Tre ...


Board Members

NamePositionTenureCompensationOwnership
Debra Geuy
President3.75yrsno datano data
Douglas Stewart
Chairman of the Board3.75yrsUS$239.26kno data
James Kerber
Independent Director23.75yrsUS$22.80kno data
Jeffery Sargeant
Independent Director14yrsUS$22.80kno data
Devon Beer
Director8.75yrsno datano data
Michael Lochard
Directorno datano datano data

8.8yrs

Average Tenure

66.5yo

Average Age

Experienced Board: PPSF's board of directors are considered experienced (8.8 years average tenure).


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

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


Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

Peoples-Sidney Financial Corporation's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Peoples-Sidney Financial Corporation
  • Ticker: PPSF
  • Exchange: OTCPK
  • Founded: 1886
  • Industry: Thrifts and Mortgage Finance
  • Sector: Banks
  • Market Cap: US$11.567m
  • Shares outstanding: 1.19m
  • Website: https://www.peoplesfederalsandl.com

Location

  • Peoples-Sidney Financial Corporation
  • 101 East Court Street
  • PO Box 727
  • Sidney
  • Ohio
  • 45365
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
PPSFOTCPK (Pink Sheets LLC)YesCommon StockUSUSDApr 1997

Biography

Peoples-Sidney Financial Corporation, together with its subsidiary, Peoples Federal Savings and Loan Association, provides financial services. Its deposit products include checking, savings, term certifica ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2020/10/19 05:57
End of Day Share Price2020/10/16 00:00
Earnings2019/06/30
Annual Earnings2019/06/30


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.