Peoples-Sidney Financial Corporation, together with its subsidiary, Peoples Federal Savings and Loan Association, provides various financial products and services.
The last earnings update was 284 days ago.
Discounted Cash Flow Calculation for OTCPK:PPSF using Excess Returns Model Model
The calculations below outline how an intrinsic value for Peoples-Sidney Financial is arrived at using the Excess Return Model. This approach is used for finance firms where free cash flow is difficult to estimate.
In the Excess Return Model the value of a firm can be written as the sum of capital invested currently in the firm and the present value of excess returns that the firm expects to make in the future.
The model is sensitive to the Return on Equity of the company versus the Cost of Equity, how these are calculated is detailed below the main calculation.
The current share price of
is above its future cash flow value.
Often investors are willing to pay a
for a company that has a high dividend or the potential for future growth.
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for
it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing
when they are out of season, or how much your home is worth.
The amount the stock market is willing to pay for
is considered below, and whether this is a fair price.
Price based on past earnings
Peoples-Sidney Financial's earnings available for a low price, and how does
this compare to other companies in the same industry?
Peoples-Sidney Financial's earnings are expected to grow by 16.1% yearly, however this is not considered high growth (20% yearly).
Unable to determine if Peoples-Sidney Financial is high growth as no revenue estimate data is available.
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can
be gauged below. We look back 3 years and see if they were any good at
predicting what actually occurred. We also show the highest and lowest estimates
looking forward to see if there is a wide range.
Peoples-Sidney Financial's performance over the past 5 years by checking for:
Has earnings increased in past 5 years? (1 check)
Has the earnings growth in the last year exceeded that of the
industry? (1 check)
Is the recent earnings growth over the last year higher than the average annual growth over the
past 5 years? (1 check)
Is the Return on Equity (ROE) higher than 20%? (1 check)
Is the Return on Assets (ROA) above industry average? (1 check)
Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent
earnings report. Some checks require at least 3 or 5 years worth of data.
has a total score of
0/6, see the detailed checks below.
Note: We use GAAP Net Income excluding extraordinary items in all our calculations.
Fundamentally a bank's business is based upon borrowing and lending money, for
this reason they typically have high levels of debt and we analyse them
This treemap shows a more detailed breakdown of
Peoples-Sidney Financial's finances. If any of them are yellow this
indicates they may be out of proportion and red means they relate to one of the
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
Nearly all companies have debt. Debt in itself isn’t
however if the debt is too high, or the company can’t afford to pay the interest
on its debts this may have impacts in the future.
The graphic below shows equity (available funds) and debt, we ideally want to
see the red area (debt) decreasing.
If there is any debt we look at the companies capability to repay it, and
whether the level has increased over the past 5 years.
Management is one of the most important areas of a company. We look at
unreasonable CEO compensation, how long the team and board of directors have
been around for and insider trading.
TENURE AS CEO
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 Treasurer and serves as Chief Financial Officer, Chief Operating Officer, Vice President and Treasurer of Loan Association of Sidney. Mrs. Geuy is responsible for overseeing the financial functions of Peoples-Sidney Financial Corporation.
Insufficient data for Deb to compare compensation growth.
Insufficient data for Deb to establish whether their remuneration is reasonable compared to companies of similar size in United States of America.
Management Team Tenure
Average tenure and age of the
management team in years:
The tenure for the Peoples-Sidney Financial management team is about average.
Chairman of the Board
Vice President of Information Technology & Human Resources
VP of Ops and VP of Ops
Vice President of Mortgage Loans
VP, CFO & Corporate Secretary
VP of Lending & Collections Officer
Board of Directors Tenure
Average tenure and age of the
board of directors in years:
The tenure for the Peoples-Sidney Financial board of directors is about average.
Board of Directors
Chairman of the Board
Who owns this company?
Recent Insider Trading
No 3 month individual insider trading information.
Peoples-Sidney Financial Corporation, together with its subsidiary, Peoples Federal Savings and Loan Association, provides various financial products and services. Its deposit products include checking, savings, term certificate, NOW, and money market accounts, as well as noninterest-bearing demand deposits and certificates of deposit. The company’s lending products comprise residential mortgage, commercial real estate, land, and commercial business loans; business lines of credit, including commercial real estate and equipment purchase loans; consumer loans, such as new and used automobile, home improvement, unsecured personal, vacation, home equity, recreational vehicle, boat, motorcycle, and credit card consolidation loans, as well as loans on savings deposits; and agricultural loans, such as farm real estate loans, loans for equipment purchases, and farm operating lines of credit. It also provides night depository, safety deposit box, notary, debit card, direct deposit, and card valet 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.
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