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Peoples

PPLL
56
Banks - Regional · Financial Services
Price
$58.00
+0.40 (+0.69%)
Market Cap
$105.2M
Exchange
Other OTC
Winston Score
56
Winston is curious
A decent business — some strong pillars, some weaker.
Data as of Aug 31, 2026 · filings through Jun 30, 2026
How the score breaks down
Growth
Good
Valuation
Good
Dividends
Mixed

Share count rising — dilution

+123.8% over 4y

The company has issued more shares over this period, which dilutes each existing shareholder’s stake.

Diluted shares outstanding: 811K (2021) → 1.8M (2025)

Winston Score History

The full picture

Peoples Ltd., headquartered in Wyalusing, Pennsylvania, functions as the parent entity for PS Bank, providing a comprehensive range of financial solutions. The company caters to a diverse clientele, including individual consumers, small businesses, and corporate clients across Pennsylvania, USA. Its extensive product portfolio features various deposit accounts, such as savings, checking, money market, business checking, NOW checking, and individual retirement accounts, alongside certificates of deposit. For lending requirements, Peoples Ltd. offers auto, personal, business, and commercial loans, as well as home equity loans, lines of credit, mortgages, and credit cards. Beyond traditional banking, the firm provides specialized business services like online cash management, credit card processing, remote deposit capture, and positive pay for fraud detection. Clients can also access investment and insurance products, retirement planning assistance, and convenient digital banking options via mobile and online platforms. Founded in 1914, Peoples Ltd. serves its communities through eight physical branches located in the Bradford, Sullivan, Wyoming, and Lackawanna counties of Pennsylvania.

Growth Profile

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+71.6% YoY

YoY Growth Rate

Revenue accelerating

EPS Growth

+48.1% YoY

YoY Growth Rate

EPS growth accelerating

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Cash Position

Cash flow positive

$650M cash & investments

Company generates more cash than it spends — no dilution risk from fundraising

Revenue accelerating

Peoples grew revenue 72% year-over-year and the growth rate is speeding up. That's the kind of momentum growth investors look for — the question is whether margins can follow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Bank Quality

Not applicable for this business.

Growth

Sales growth
Sales YoY
+30.0%
Fast-growing sales (+30.0% YoY)
Profit growth
EPS YoY
-2.0%
Earnings shrinking (-2.0% YoY)

Slight earnings drop. Typical near a cyclical low.

How steady the profit is
EPS Consistency
5/8 quarters
Mixed — about half the quarters showed growth

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Capital Strength

Not applicable for this business.

Asset Quality

Not applicable for this business.

Valuation

Price vs profit
P/E Ratio (TTM)
8.4x
Attractive valuation — P/E 8.4

P/E under 10. The price tag is small relative to last year's profit.

Cheaper or dearer next year
P/E vs Forward
N/A
not available
Data not available

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Dividends

Dividend
Dividend Yield
2.48%
Moderate income — 2.48% yield

Standard yield zone for stable dividend payers. A meaningful piece of total return.

Dividend record
Dividend Growth
-9.4%
Dividend cut (-9.4% YoY) — warning sign

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