Peoples Fin Valuation
| PFIS Stock | USD 51.38 0.09 0.17% |
At this time, the company appears to be undervalued. Peoples Fin holds a recent Real Value of $55.89 per share. The prevailing price of the company is $51.38. Our model determines the value of Peoples Fin from analyzing the company fundamentals such as Operating Margin of 0.21 %, shares outstanding of 9.99 M, and Return On Equity of 0.0151 as well as examining its technical indicators and probability of bankruptcy. Key fundamental drivers impacting Peoples Fin's valuation include:
Price Book 1.0829 | Enterprise Value | Price Sales 5.3477 | Trailing PE 62.7683 | Enterprise Value Revenue 6.1981 |
Undervalued
Today
Please note that Peoples Fin's price fluctuation is very steady at this time. Calculation of the real value of Peoples Fin is based on 3 months time horizon. Increasing Peoples Fin's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
The fair value of the Peoples stock is determined by what a typical buyer is willing to pay for full or partial control of Peoples Fin. Since Peoples Fin is currently traded on the exchange, buyers and sellers on that exchange determine the market value of Peoples Stock. However, Peoples Fin's intrinsic value may or may not be the same as its current market price, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value. | Historical | Market 51.38 | Real 55.89 | Target 60.0 | Hype 51.27 | Naive 51.77 |
The intrinsic value of Peoples Fin's stock can be calculated using various methods such as discounted cash flow analysis, price-to-earnings ratio, or price-to-book ratio. That value may differ from its current market price, which is determined by supply and demand factors such as investor sentiment, market trends, news, and other external factors that may influence Peoples Fin's stock price. It is important to note that the real value of any stock may change over time based on changes in the company's performance.
Estimating the potential upside or downside of Peoples Fin helps investors to forecast how Peoples stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of Peoples Fin more accurately as focusing exclusively on Peoples Fin's fundamentals will not take into account other important factors: Traditionally, analysts and sophisticated investors use multiple methods for valuing a cash-flow-generating entity or its stock. For example, some money managers use Peoples Fin's intrinsic value based on its ongoing forecasts of Peoples Fin's financial statements. In contrast, other private, professional wealth advisors use a multiplier approach by looking to relative value analysis against Peoples Fin's closest peers.
Peoples Fin Cash |
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Peoples Valuation Trend
Peoples Fin's real value is important for investors to make better decisions and a more accurate overall view of Peoples Fin's financial worth over time. Using both Peoples Fin's enterprise value as well as its market capitalization is the best way to gauge the value of the company and is usually enough for investors to make market timing conclusions.
Peoples Revenue by Product
Peoples Fin Total Value Analysis
Peoples Fin is at this time forecasted to have valuation of 418.81 M with market capitalization of 514.42 M, debt of 75.59 M, and cash on hands of 113.01 M. Please note that valuation may be misleading and is a subject to auditing or accounting errors. We encourage investors to vigilantly validate all of the Peoples Fin fundamentals before making equity appraisal based on enterprise value of the company| Takeover Price | Market Cap | Debt Obligations | Cash |
418.81 M | 514.42 M | 75.59 M | 113.01 M |
Peoples Fin Investor Information
About 29.0% of the company shares are owned by institutional investors. The company has price-to-book ratio of 1.08. Typically companies with comparable Price to Book (P/B) are able to outperform the market in the long run. Peoples Fin last dividend was issued on the 29th of November 2024. The entity had 3:2 split on the 16th of May 2003. Based on the analysis of Peoples Fin's profitability, liquidity, and operating efficiency, Peoples Fin may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter.| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
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| Operating Profit Margin | 0.24 | 0.25 |
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| Total Cash From Operating Activities | 40.2 M | 38.2 M |
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| Operating Income | 25.9 M | 41.3 M |
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Peoples Fin Asset Utilization
The concept of asset utilization usually refers to the revenue earned for every dollar of assets a company currently reports. The newest return on assets of Peoples implies not a very effective usage of assets in February.Peoples Fin Ownership Allocation
The market capitalization of Peoples Fin is $514.42 Million. Peoples Fin holds 7.34 pct. of its outstanding shares held by insiders and 29.48 pct. owned by third-party entities. Note, that even with substantial debt, if the true value of the company is larger than the current market value, you may still be able to generate positive returns on investment in this company at some point.Peoples Fin Profitability Analysis
The company reported the previous year's revenue of 163.61 M. Net Income was 27.38 M with profit before overhead, payroll, taxes, and interest of 96.2 M.Peoples Fin Past Distributions to stockholders
About Peoples Fin Valuation
The stock valuation mechanism determines Peoples Fin's current worth on a daily basis. In general, an absolute valuation approach attempts to find the value of Peoples Fin based exclusively on its fundamental and basic technical indicators. As compared to an absolute model, our relative valuation model uses a comparative analysis of Peoples Fin. We calculate exposure to Peoples Fin's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of Peoples Fin's related companies.| Last Reported | Projected for Next Year | ||
| Gross Profit | 188.2 M | 197.6 M | |
| Pretax Profit Margin | 0.23 | 0.22 | |
| Operating Profit Margin | 0.25 | 0.24 | |
| Net Profit Margin | 0.19 | 0.18 |
Peoples Fin Quarterly Retained Earnings |
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A single share of Peoples Fin represents a small ownership stake in the entity. As a stockholder of Peoples, your percentage of company ownership is determined by dividing the number of shares you own by the total number of shares outstanding and then multiplying that amount by 100. Owning stock in a company generally confers both corporate voting rights and income from any dividends paid to the stock owner.
Peoples Fin Dividends Analysis For Valuation
At this time, Peoples Fin's Dividends Paid is comparatively stable compared to the past year. Dividend Paid And Capex Coverage Ratio is likely to gain to 2.35 in 2025, whereas Dividend Yield is likely to drop 0.02 in 2025. . At this time, Peoples Fin's Retained Earnings are comparatively stable compared to the past year. Price Earnings Ratio is likely to gain to 18.08 in 2025, whereas Retained Earnings Total Equity is likely to drop slightly above 145.5 M in 2025.
| Last Reported | Projected for Next Year | ||
| Dividends Paid | 13.4 M | 14.1 M | |
| Dividend Yield | 0.03 | 0.02 | |
| Dividend Payout Ratio | 0.43 | 0.38 | |
| Dividend Paid And Capex Coverage Ratio | 2.17 | 2.35 |
There are various types of dividends Peoples Fin can pay to its shareholders, and the actual value of the dividend is determined on a per-share basis. It is to be paid equally to all of Peoples shareholders on a specific date, known as the payable date. The cash dividend is the most common type of dividend payment - it is the payment of actual cash from Peoples Fin directly to its shareholders. There are other types of dividends that companies can issue, such as stock dividends or asset dividends. When Peoples pays a dividend, it has no impact on its enterprise value. It does, however, lowers the Equity Value of Peoples Fin by the value of the dividends paid out.
Peoples Fin Growth Indicators
Investing in growth stocks can be very risky. If the company such as Peoples Fin does not do well, investors take a loss on the stock when it is time to sell. Also, because growth stocks typically do not pay dividends, the only opportunity an investor has to make money on their investment is when they eventually sell their shares.
| Common Stock Shares Outstanding | 7.2 M | |
| Quarterly Earnings Growth Y O Y | -0.649 |
Peoples Fin Current Valuation Indicators
Peoples Fin's valuation analysis is a process of estimating the intrinsic value of all assets and outstanding equities. There are different methodologies and models we use to develop the final Peoples Fin's valuation. The techniques such as discounted cash flow and fundamental indicators such as book value per share or market capitalization are well known and widely used across most financial advisers and money managers.
Valuations are an essential part of business, for companies themselves, but also for investors. For companies, such as Peoples Fin, valuations can help measure their progress and success and can help them track their performance in the market compared to others. In addition, investors can use Peoples Fin's valuations to help determine the worth of potential investments. They can do this by using data and information made public by a company. Regardless of who the valuation is for, it essentially describes Peoples Fin's worth.Additional Tools for Peoples Stock Analysis
When running Peoples Fin's price analysis, check to measure Peoples Fin's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Peoples Fin is operating at the current time. Most of Peoples Fin's value examination focuses on studying past and present price action to predict the probability of Peoples Fin's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Peoples Fin's price. Additionally, you may evaluate how the addition of Peoples Fin to your portfolios can decrease your overall portfolio volatility.