Peoples-Sidney Financial Corporation, together with its subsidiary, Peoples Federal Savings and Loan Association, provides financial services.
Flawless balance sheet with solid 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.
7 Day Return
1 Year Return
Return vs Industry: PPSF underperformed the US Mortgage industry which returned 7.3% over the past year.
Return vs Market: PPSF underperformed the US Market which returned 20.1% over the past year.
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
Is Peoples-Sidney Financial undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: PPSF ($12.06) is trading above our estimate of fair value ($4.14)
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 (18.1x) compared to the Mortgage industry average (13.7x).
PE vs Market: PPSF is good value based on its PE Ratio (18.1x) compared to the US market (18.4x).
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 is good value based on its PB Ratio (0.9x) compared to the US Mortgage industry average (1.1x).
How is Peoples-Sidney Financial forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
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.
- Check out Peoples-Sidney Financial's track record over time to understand how much the company has returned to shareholders and its earnings growth rate in the past.
- While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website. If you are looking for more of a qualitative research into the company, you can access Peoples-Sidney Financial's filings and announcements here.
- Explore growth companies in the Banks industry.
How has Peoples-Sidney Financial performed over the past 5 years?
Historical annual 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, growing earnings by 27.4% per year.
Accelerating Growth: PPSF's earnings growth over the past year (48.3%) exceeds its 5-year average (27.4% per year).
Earnings vs Industry: PPSF earnings growth over the past year (48.3%) exceeded the Mortgage industry 11.1%.
Return on Equity
High ROE: PPSF's Return on Equity (5.2%) is considered low.
Return on Assets
Return on Capital Employed
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
Inventory Level: PPSF has a low level of unsold assets or inventory.
Debt Coverage by Assets: PPSF's debt is covered by short term assets (assets are 5.7x debt).
Financial Institutions Analysis
Asset Level: PPSF's level of assets compared to its equity is low.
Allowance for Bad Loans: PPSF has a sufficient allowance for bad loans.
Low Risk Liabilities: PPSF's liabilities are made up of primarily low risk sources of funding.
Loan Level: PPSF has an acceptable proportion of non-loan assets held.
Low Risk Deposits: PPSF's loans are broadly funded by customer deposits.
Level of Bad Loans: PPSF has an appropriate level of bad loans (1.17%)
What is Peoples-Sidney Financial's current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Current dividend yield vs market & industry
Notable Dividend: PPSF's dividend (2.65%) is higher than the bottom 25% of dividend payers in the US market (1.44%).
High Dividend: PPSF's dividend (2.65%) is low compared to the top 25% of dividend payers in the US market (3.69%).
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.
How experienced are the management team and are they aligned to shareholders interests?
Average board tenure
Deb Geuy (61yo)
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 ...
|President||3.1yrs||no data||no data|
|Chairman of the Board||3.1yrs||US$239.26k||no data|
|Independent Director||23.1yrs||US$22.80k||no data|
|Independent Director||13.3yrs||US$22.80k||no data|
|Director||0yrs||no data||no data|
|Director||0yrs||no data||no data|
Experienced Board: PPSF's board of directors are considered experienced (8.2 years average tenure).
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.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Peoples-Sidney Financial Corporation's company bio, employee growth, exchange listings and data sources
- Name: Peoples-Sidney Financial Corporation
- Ticker: PPSF
- Exchange: OTCPK
- Founded: 1886
- Industry: Thrifts and Mortgage Finance
- Sector: Banks
- Market Cap: US$14.308m
- Shares outstanding: 1.19m
- Website: https://www.peoplesfederalsandl.com
- Peoples-Sidney Financial Corporation
- 101 East Court Street
- PO Box 727
- United States
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|PPSF||OTCPK (Pink Sheets LLC)||Yes||Common Stock||US||USD||Apr 1997|
Peoples-Sidney Financial Corporation, together with its subsidiary, Peoples Federal Savings and Loan Association, provides financial services. Its deposit products include checking, savings, term certificate, NOW, and money market accounts, as well as non interest-bearing demand deposits, certificates of deposit, and IRAs. The company’s lending products comprise residential mortgage loans, including conventional, purchase, refinance, second mortgage, home equity, construction, construction for permanent financing, home improvement, FHA, USDA, and VA loans; land loans; commercial business loans comprising business lines of credit, commercial real estate, investment real property, and equipment purchase loans; personal loans, such as vehicle, vacation, recreational vehicle, boat, motorcycle, and credit card consolidation loans; and agriculture loans, such as farm real estate loans, loans for equipment purchases, and farm operating lines of credit. It also offers night depository, safety deposit box, notary, reorder checks, online and mobile banking, debit card, wire transfer, and direct deposit services. The company operates through its main office in Sidney, Ohio; and branch offices in Sidney, Anna, and Jackson Center, Ohio. Peoples-Sidney Financial Corporation was founded in 1886 and is based in Sidney, Ohio.
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/02/17 23:45|
|End of Day Share Price||2020/02/07 00:00|
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.