Peoples (PPLL) AI Stock Analysis

• Market Cap: $74.13M
• Dividend Yield: 2.98%
• Average Volume (3M): 70.00
• Price to Earnings (P/E): 10.3
• Beta (1Y): 0.01
• Revenue Growth: N/A
• EPS Growth: N/A
• Country: US
• Employees: 72
• Sector: Financial
• Sector Strength: 73
• Industry: Banks - Regional
• EPS (TTM): 1.22
• Shares Outstanding: 1,723,946
• 10 Day Avg. Volume: 173
• 30 Day Avg. Volume: 70
• PEG Ratio: 5.03
• Price to Book (P/B): 1.22
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 6.83
• Enterprise Value/Market Cap: -0.20
• Enterprise Value/Revenue: -0.16
• Enterprise Value/Gross Profit: -0.57
• Enterprise Value/Ebitda: -0.45
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 77 Outperform
• Price Target: ―

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 (PPLL) is a diversified company operating primarily within the energy and utilities sector, with a focus on delivering natural gas distribution and related services. The company provides safe and reliable natural gas service to residential, commercial, and industrial customers. Peoples also invests in infrastructure development to enhance the efficiency and reach of its energy distribution network.

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
TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
26.54M	31.23M	20.28M	18.64M	18.39M	20.22M
	Gross Profit
26.54M	0.00	26.68M	18.64M	18.39M	20.22M
	EBIT
17.97M	8.84M	11.48M	8.48M	8.40M	6.53M
	EBITDA
8.72M	8.84M	-228.00K	9.24M	8.99M	6.78M
	Net Income Common Stockholders
7.30M	7.21M	7.30M	6.96M	6.83M	5.20M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
-25.77M	0.00	25.77M	73.02M	63.55M	56.27M
	Total Assets
532.30M	581.95M	532.30M	546.40M	477.30M	443.45M
	Total Debt
18.42M	13.24M	8.00M	8.00M	8.00M	21.81M
	Net Debt
44.19M	13.24M	-17.77M	-65.02M	-55.55M	-34.46M
	Total Liabilities
483.63M	527.29M	483.63M	505.69M	430.80M	400.28M
	Stockholders Equity
48.67M	54.65M	48.67M	40.72M	46.49M	43.17M
Cash Flow		Free Cash Flow
0.00	7.60M	7.41M	7.29M	14.76M	3.54M
	Operating Cash Flow
0.00	8.33M	8.18M	10.66M	15.69M	4.38M
	Investing Cash Flow
0.00	-24.85M	-31.56M	-74.61M	-37.38M	-10.88M
	Financing Cash Flow
0.00	41.03M	-23.87M	73.42M	28.97M	35.45M

Peoples Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 43.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

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 43 is below the 20-day moving average (MA) of 44.13, above the 50-day MA of 40.89, and above the 200-day MA of 35.24, indicating a neutral trend. The MACD of 0.61 indicates Positive momentum. The RSI at 49.88 is Neutral, neither overbought nor oversold. The STOCH value of -0.15 is Positive, 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	$74.13M	10.27	15.00%	2.98%	―	―
BOTJ	72 Outperform	$64.82M	9.82	10.25%	2.80%	12.23%	-25.92%
AUBN	70 Neutral	$73.96M	11.28	8.32%	5.10%	22.78%	722.30%
Sector *	64 Neutral	$12.77B	9.71	7.85%	78.05%	12.07%	-7.97%
BYFC	52 Neutral	$56.03M	158.72	0.57%	―	11.84%	-120.17%
SSBI	52 Neutral	$65.10M	10.38	-3.20%	1.64%	-3.54%	-138.07%