Peoples Fin

Company Profile

Peoples Fin had its IPO on 2002-06-05 under the ticker symbol PFIS.

The company operates in the Financial Services sector and Banks-Regional industry. Peoples Fin has a staff strength of 393 employees.

Stock update

Shares of Peoples Fin opened at $42.5 at the start of the last trading session i.e. 2023-03-24.

The stocks traded within a range of $42.37 - $44.58, and closed at $44.21.

This is a +3.22% increase from the previous day's closing price.

A total volume of 12,288 shares were traded at the close of the day’s session.

In the last one week, shares of Peoples Fin have slipped by -4.72%.

Peoples Fin's Key Ratios

Peoples Fin has a market cap of $314.23 million, indicating a price to book ratio of 1.27 and a price to sales ratio of 3.2766.

In the last 12-months Peoples Fin’s revenue was $108.04 million with a gross profit of $108.04 million and an EBITDA of $0. The EBITDA ratio measures Peoples Fin's overall financial performance and is widely used to measure its profitability.

In the trailing 12-month period, Peoples Fin’s operating margin was 44.36% while its return on assets stood at 1.1% with a return of equity of 11.62%.

In Q4, Peoples Fin’s quarterly earnings growth was a negative -44.5% while revenue growth was a negative 20.9%.

Peoples Fin’s PE and PEG Ratio

Forward PE

0

Trailing PE

8.4685

PEG

0

Its diluted EPS in the last 12-months stands at $5.08 per share while it has a forward price to earnings multiple of 0 and a PEG multiple of 0. A low price to earnings ratio can mean the stock is attractively valued while a high ratio suggests the stock may be overvalued.

The PEG on the other hand provides a broader view compared to the P/E ratio and gives greater insight into Peoples Fin’s profitability.

Peoples Fin stock is trading at a EV to sales ratio of 0 and a EV to EBITDA ratio of 0. Its price to sales ratio in the trailing 12-months stood at 3.2766.

Peoples Fin stock pays annual dividends of $1.58 per share, indicating a yield of 3.68% and a payout ratio of 29.04%.

Balance sheet and cash flow metrics

Total Assets

$3.55 billion

Total Liabilities

$114.93 million

Operating Cash Flow

$-106324000.00

Capital Expenditure

$2.45 million

Dividend Payout Ratio

29.04%

Peoples Fin ended 2023 with $3.55 billion in total assets and $0 in total liabilities. Its intangible assets were valued at $3.55 billion while shareholder equity stood at $315.35 million.

Peoples Fin ended 2023 with $0 in deferred long-term liabilities, $114.93 million in other current liabilities, 14321000.00 in common stock, $230.52 million in retained earnings and $63.37 million in goodwill. Its cash balance stood at $37.87 million and cash and short-term investments were $515.57 million. The company’s total short-term debt was $114,930,000 while long-term debt stood at $33.56 million.

Peoples Fin’s total current assets stands at $49.69 million while long-term investments were $568.99 million and short-term investments were $477.70 million. Its net receivables were $11.72 million compared to accounts payable of $903000.00 and inventory worth $0.

In 2023, Peoples Fin's operating cash flow was $-106324000.00 while its capital expenditure stood at $2.45 million.

Comparatively, Peoples Fin paid $0.29 in dividends in 2023.

Other key metrics

Current Trading Price

$44.21

52-Week High

$58.5978

52-Week Low

$41.44

Analyst Target Price

$53.5

Peoples Fin stock is currently trading at $44.21 per share. It touched a 52-week high of $58.5978 and a 52-week low of $58.5978. Analysts tracking the stock have a 12-month average target price of $53.5.

Its 50-day moving average was $49.21 and 200-day moving average was $50.95 The short ratio stood at 5.34 indicating a short percent outstanding of 0%.

Around 352.6% of the company’s stock are held by insiders while 3156.6% are held by institutions.