Peoples (PPLL) AI Stock Analysis

• Market Cap: $72.41M
• Dividend Yield: 2.81%
• Average Volume (3M): 23.00
• Price to Earnings (P/E): 10.2
• Beta (1Y): 0.01
• Revenue Growth: N/A
• EPS Growth: N/A
• Country: US
• Employees: 72
• Sector: Financial
• Sector Strength: 85
• Industry: Banks - Regional
• EPS (TTM): 8.13
• Shares Outstanding: 851,892
• 10 Day Avg. Volume: 19
• 30 Day Avg. Volume: 23
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): 0.00
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

Peoples' stock is supported by strong financial performance, consistent revenue growth, and a conservative financial profile. The technical indicators show a positive trend, and the valuation suggests potential undervaluation. Although the earnings call lacks detailed insights, the absence of negative news maintains a stable outlook. The score reflects balanced strengths across financial, technical, and valuation metrics.

Peoples Business Overview & Revenue Model

Company Description

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 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, business, commercial, home equity, and home equity line of credit loan products, as well as mortgages and credit cards. In addition, the company offers business services comprising online cash management, credit card processing, remote deposit capture, and positive pay; investments and insurance products; and retirement planning services, as well as mobile and online banking services. It operates through eight branches in the Bradford, Sullivan, Wyoming, and Lackawanna counties of Pennsylvania. Peoples Ltd. was founded in 1914 and is based in Wyalusing, Pennsylvania.

How the Company Makes Money

Peoples generates revenue primarily through the distribution and sale of natural gas to customers across various segments including residential, commercial, and industrial sectors. The company charges customers for the natural gas they consume, which is typically measured in cubic feet or therms. Additional revenue streams include service fees for maintenance and installation of gas-related infrastructure and appliances. Peoples may also enter into partnerships with other energy companies to expand its service offerings and geographic reach, enhancing its revenue potential.

Peoples Financial Statement Overview

Summary

Peoples demonstrates strong financial performance with consistent revenue and profitability growth. The company shows a conservative leverage profile and efficient cash management. However, the negative EBITDA margin and reduction in operating cash flow should be monitored.

Income Statement

Peoples shows a consistent revenue growth trajectory, with a Revenue Growth Rate of 8.79% from 2022 to 2023. The Net Profit Margin improved to 36.00% in 2023 from 37.32% in 2022, demonstrating strong profitability. The Gross Profit Margin significantly increased to 131.55% due to changes in accounting treatment or reclassification. The company's EBIT Margin improved to 56.59%, indicating efficient cost management. However, the EBITDA Margin is negative due to a negative EBITDA figure for 2023, which indicates potential issues with operating expenses or non-cash charges.

Balance Sheet

Peoples maintains a strong equity base with an Equity Ratio of 9.15% as of 2023, slightly lower than 8.83% in 2022, indicating stable financial health. The Debt-to-Equity Ratio decreased to 0.16, reflecting a conservative leverage approach. Return on Equity improved to 15.00% from 17.08% in 2022, suggesting effective utilization of shareholder funds despite the decrease in equity ratio.

Cash Flow

The Free Cash Flow shows a modest growth of 1.65% from 2022 to 2023, indicating stable cash generation. The Operating Cash Flow to Net Income Ratio is 1.12, showing that operating cash flow adequately covers net income. The Free Cash Flow to Net Income Ratio is 1.01, highlighting that free cash flow is closely aligned with net income, indicating efficient cash management. However, the reduction in Operating Cash Flow from 2022 to 2023 is a concern and needs monitoring.

Breakdown
Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019
Income Statement		Total Revenue
20.28M	18.64M	18.39M	20.22M	18.48M
	Gross Profit
26.68M	18.64M	18.39M	20.22M	18.48M
	EBIT
11.48M	8.48M	8.40M	6.53M	5.71M
	EBITDA
-228.00K	9.24M	8.99M	6.78M	6.01M
	Net Income Common Stockholders
7.30M	6.96M	6.83M	5.20M	4.65M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
25.77M	73.02M	63.55M	56.27M	27.31M
	Total Assets
532.30M	546.40M	477.30M	443.45M	401.52M
	Total Debt
8.00M	8.00M	8.00M	21.81M	17.00M
	Net Debt
-17.77M	-65.02M	-55.55M	-34.46M	-10.31M
	Total Liabilities
483.63M	505.69M	430.80M	400.28M	363.24M
	Stockholders Equity
48.67M	40.72M	46.49M	43.17M	38.28M
Cash Flow		Free Cash Flow
7.41M	7.29M	14.76M	3.54M	-1.03M
	Operating Cash Flow
8.18M	10.66M	15.69M	4.38M	4.35M
	Investing Cash Flow
-31.56M	-74.61M	-37.38M	-10.88M	-29.10M
	Financing Cash Flow
-23.87M	73.42M	28.97M	35.45M	22.53M

Peoples Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 85.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For PPLL, the sentiment is Positive. The current price of 85 is above the 20-day moving average (MA) of 78.70, above the 50-day MA of 75.96, and above the 200-day MA of 68.37, indicating a bullish trend. The MACD of 2.59 indicates Negative momentum. The RSI at 97.55 is Negative, neither overbought nor oversold. The STOCH value of 100.00 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for PPLL.

Peoples Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
PPLL	77 Outperform	$72.41M	10.15	15.00%	2.81%	―	―
BOTJ	72 Outperform	$64.74M	9.81	10.25%	3.45%	12.23%	-25.92%
AUBN	70 Neutral	$70.64M	10.78	8.32%	5.34%	22.78%	722.30%
Sector *	64 Neutral	$12.75B	9.93	7.86%	17015.07%	12.19%	-5.92%
BYFC	52 Neutral	$59.10M	158.72	0.57%	―	11.84%	-120.17%
SSBI	52 Neutral	$61.42M	10.38	-3.20%	4.34%	-3.54%	-138.07%