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Peoples-Sidney Financial Corporation PPSF OTC

Other OTC • Financial Services • Banks - Regional • US • USD

SharesGrow Score
64/100
3/6 Pass
SharesGrow Intrinsic Value
N/A
Negative cash flow

Peoples-Sidney Financial Corporation (PPSF) reported total assets of $138.31M and total liabilities of $123.05M for fiscal year 2007, resulting in total equity of $15.26M.

The company held $7.18M in cash and short-term investments. Total debt stood at $38.19M, with net debt of $31.01M. The Debt-to-Equity (D/E) ratio was 2.5 (leveraged).

Current ratio is 11.33, indicating strong short-term liquidity. Interest coverage is 0.4x (weak).

Criteria supported by this page:

  • HEALTH (33/100, Fail) — the balance sheet shows elevated risk in debt or liquidity metrics
  • MOAT (46/100) — Total assets $138.31M and equity $15.26M support the company's competitive scale
  • VALUE (75/100) — Debt-to-Equity 2.5 contributes to the overall valuation risk assessment

Overall SharesGrow Score: 62/100 with 3/7 criteria passed.

SharesGrow 7-Criteria Score
64/100
SG Score
View full scorecard →
VALUE
75/100
Price-to-Earnings & upside
→ Valuation
FUTURE
N/A
No coverage
PAST
100/100
→ Income
HEALTH
33/100
Debt-to-Equity & liquidity
Proven by this page
~
MOAT
46/100
→ Income
~
GROWTH
45/100
→ Income
INCOME
85/100
→ Income
Peoples-Sidney Financial Corporation Balance Sheet History
Metric FY2007 FY2006 FY2005 FY2004
Total Assets $138.31M$139.05M$136.7M$135.77M
Total Liabilities $123.05M$123.55M$118.93M$118.34M
Total Debt $38.19M$38.51M$32.59M$31.14M
Cash & Investments $7.18M$4.71M$5.32M$10.03M
Total Stockholders Equity $15.26M$15.5M$17.76M$17.43M
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