Penn Bancshares, Inc. (PEBA) Stock Analysis
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Penn Bancshares, Inc. (PEBA) trades at $25.20. Penn Bancshares, Inc. operates as the holding company for Pennsville National Bank, offering comprehensive financial services across Salem County, New Jersey. Sector: Financial services.
Price as of Aug 21, 2026 · Last analyzed: Jun 15, 2026Analyst Coverage for PEBA: PEBA does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates PEBA against Financial Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
Not enough scored data yet to form a council read on PEBA.
How is this calculated? →Penn Bancshares, Inc. (PEBA) Financial Services Profile
Penn Bancshares, Inc. serves as the holding company for Pennsville National Bank, a community-focused financial institution providing a full spectrum of banking services, including deposit accounts, diverse lending products, and trust management, to individuals and businesses within Salem County, New Jersey, since 1969. The company operates through multiple local branches.
What Is the Investment Thesis for PEBA?
Penn Bancshares, Inc. operates as a community bank, Pennsville National Bank, serving Salem County, New Jersey, since 1969. Its investment proposition centers on a deeply entrenched regional market position and a comprehensive suite of traditional banking services. The company's focus on deposit accounts, including diverse checking, savings, money market, and time deposits, alongside a broad lending portfolio encompassing residential mortgages, commercial, and construction financing, provides a stable revenue foundation. Growth catalysts may stem from continued local economic development within Salem County, potentially increasing demand for both deposit and lending products. Furthermore, strategic enhancements in digital banking services could expand customer reach and operational efficiency. The company's community-focused model fosters customer loyalty, which is a significant asset in a competitive financial landscape. However, the company's listing on the OTC Other tier presents potential risks related to liquidity and regulatory oversight compared to exchange-listed peers. The absence of a dividend yield suggests a focus on reinvestment or capital preservation. Future performance will likely be influenced by local economic conditions, interest rate environments, and the company's ability to manage credit risk effectively within its regional market.
Based on FMP financials and quantitative analysis
PEBA Key Highlights
Regional Market Focus: Penn Bancshares, Inc. exclusively serves Salem County, New Jersey, through Pennsville National Bank and its five local branches, indicating a deep community presence.
- Comprehensive Service Offering: The company provides a full spectrum of financial services, including diverse deposit accounts, residential, commercial, and construction lending, and trust management.
- Employee Base: The organization maintains a workforce of 46 employees, reflecting its localized operational scale as a community bank.
- Dividend Policy: Penn Bancshares, Inc. does not currently pay a dividend, suggesting a strategy focused on reinvestment or capital retention within the business.
- Market Volatility Indicator: The company has a Beta of -0.08, which indicates a historical inverse relationship with the broader market, though this metric for OTC stocks can be less indicative than for exchange-listed securities.
Who Are PEBA's Competitors?
PEBA is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| USB U.S. Bancorp | $62.61 | -0.33% | $97.5B | 96 |
| FHN First Horizon Corporation | $24.87 | -3.68% | $11.8B | 92 |
| ZION Zions Bancorporation, National Association | $68.39 | +0.15% | $9.98B | 98 |
| BOKF BOK Financial Corporation | $139.84 | -0.36% | $8.50B | 95 |
| UBSI United Bankshares, Inc. | $47.70 | +0.02% | $6.57B | 96 |
| ASB Associated Banc-Corp | $30.78 | -0.10% | $5.81B | 94 |
| FBP First BanCorp. | $28.41 | -0.19% | $4.34B | 97 |
| UCB United Community Banks, Inc. | $35.63 | -0.34% | $4.27B | 96 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are PEBA's Key Strengths?
Strong community focus and established presence in Salem County, New Jersey since 1969.
- Comprehensive suite of traditional banking services, including diverse deposit and lending products.
- Multiple branch locations across key towns within its service area enhance accessibility.
- Fosters customer loyalty through personalized service and local engagement.
What Are PEBA's Weaknesses?
Limited geographic reach, confined primarily to Salem County, New Jersey.
- Potential for lower liquidity and reduced regulatory oversight due to OTC Other listing.
- Absence of a dividend yield may deter income-focused investors.
- Smaller scale (46 employees) compared to larger regional or national banks, potentially limiting resource allocation for technology or marketing.
What Could Drive PEBA Stock Higher?
PEBA catalyst: Potential for local economic growth initiatives in Salem County, driving increased demand for commercial and residential lending.
- Continued adoption of digital banking services by its customer base, enhancing operational efficiency and customer engagement.
- Any strategic expansion of its wealth management or trust services, potentially increasing fee-based income streams.
- Sustained strong credit quality within its loan portfolio, minimizing loan loss provisions.
What Are the Key Risks for PEBA?
Economic downturns or significant job losses within Salem County, New Jersey, could lead to increased loan defaults and reduced deposit growth.
- Competitive pressures from larger regional banks and digital-first financial institutions potentially eroding market share.
- Adverse changes in interest rate policies by the Federal Reserve, impacting the bank's net interest margin and profitability.
- Regulatory compliance costs and evolving requirements for community banks, potentially impacting operational expenses.
- The inherent liquidity and disclosure risks associated with its OTC Other market listing, affecting investor confidence and trading efficiency.
What Are the Growth Opportunities for PEBA?
- Expansion of Digital Banking Services: The ongoing trend towards digital transformation in banking presents a significant opportunity. By enhancing its online and mobile banking platforms, Penn Bancshares, Inc. can improve customer convenience, potentially attract a younger demographic, and increase operational efficiency. A more robust digital presence could also allow the bank to serve its existing Salem County market more effectively and potentially expand its virtual reach within the broader New Jersey region without necessarily opening new physical branches. The digital banking market is continuously growing, with increasing adoption rates across all demographics, offering a pathway to sustained customer engagement and acquisition over the next 3-5 years.
- Targeted Commercial Lending in Salem County: Given its deep roots in Salem County, Penn Bancshares, Inc. can capitalize on local economic development by offering specialized commercial lending products tailored to the needs of small and medium-sized businesses (SMBs) within its service area. This could include specific financing for local agriculture, manufacturing, or service industries. By understanding the unique economic drivers and challenges of Salem County businesses, the bank can build stronger relationships and capture a larger share of the commercial loan market, which is often underserved by larger banks. This strategy could yield growth over the next 2-4 years as local businesses seek accessible capital.
- Wealth Management and Trust Services Growth: The company already offers trust and estate management. There is an opportunity to expand these wealth management services to high-net-worth individuals and families within Salem County. As the population ages and wealth transfers occur, the demand for sophisticated financial planning, investment management, and estate services is expected to grow. By leveraging its existing trust capabilities and local relationships, Penn Bancshares, Inc. can position itself as a trusted advisor, capturing a larger share of this lucrative market segment over the next 5-10 years. This offers higher-margin, fee-based revenue streams.
- Community Engagement and Local Partnerships: Strengthening its role as a community pillar can drive organic growth. By actively participating in local events, sponsoring community initiatives, and forming partnerships with local businesses and non-profits, Penn Bancshares, Inc. can enhance its brand visibility and reinforce customer loyalty. This strategy leverages the inherent advantage of community banks over larger institutions. Increased community engagement can translate into higher deposit inflows and loan demand as residents and businesses prefer to bank with institutions that demonstrate a commitment to their local area. This is an ongoing opportunity with compounding benefits.
- Geographic Expansion within Neighboring Counties: While currently focused on Salem County, there is a potential long-term opportunity for measured geographic expansion into adjacent, underserved markets within Southern New Jersey. This could involve opening new de novo branches in strategic locations or exploring potential mergers and acquisitions with smaller community banks in neighboring counties. Such expansion would broaden its customer base and asset footprint, diversifying its revenue streams and increasing its overall market share. This would be a multi-year strategic initiative, likely spanning 5-10 years, requiring careful market analysis and regulatory approval.
What Are PEBA's Competitive Advantages?
- Deep Community Roots: Established in 1969, the bank has built decades of local relationships and trust within Salem County, fostering strong customer loyalty.
- Localized Decision-Making: As a regional bank, it can offer more personalized service and quicker decision-making on loans compared to larger, more bureaucratic institutions.
- Comprehensive Local Presence: Operating five branches across key towns in Salem County provides convenient physical access and reinforces its commitment to the local market.
- Tailored Product Offerings: Ability to customize financial products and services to specifically meet the unique needs of the Salem County demographic and business environment.
What Does PEBA Do?
Penn Bancshares, Inc. functions as the holding entity for Pennsville National Bank, a community-centric financial institution deeply embedded within Salem County, New Jersey. Established in 1969, the bank has evolved to provide a comprehensive suite of financial services tailored to the needs of its local customer base, encompassing both individual consumers and businesses. Its core offerings include a diverse array of deposit accounts designed to meet various savings and liquidity needs. These include demand options such as checking, savings, and money market accounts, alongside time-based instruments like certificates of deposit, individual retirement accounts, and educational savings plans, providing flexible options for wealth accumulation and future planning. Beyond deposit services, Pennsville National Bank is a significant local lender. Its lending portfolio spans residential mortgages, home equity loans, automobile financing, and commercial loans, supporting local economic activity and individual aspirations. The institution also engages in construction financing, facilitating development within its service area, and issues Visa credit cards, offering convenient payment solutions. Complementing these primary banking functions, Penn Bancshares, Inc. extends a range of ancillary services crucial for modern financial management. These include trust and estate management, online and phone banking for enhanced accessibility, widespread ATM access, secure safe deposit boxes for valuables, money orders, wire transfers, and night depository services for business convenience. Headquartered in Pennsville, New Jersey, the company strategically operates additional branches in key local communities such as Elmer, Carney's Point, Pedricktown, and Woodstown, reinforcing its regional presence and commitment to serving Salem County residents and enterprises. This localized approach aims to foster strong customer loyalty and deep community ties.
What Products and Services Does PEBA Offer?
- Acts as the holding company for Pennsville National Bank.
- Provides checking, savings, money market, and certificate of deposit accounts.
- Offers individual retirement accounts (IRAs) and educational savings plans.
- Extends residential mortgage, home equity, and automobile loans.
- Provides commercial and construction financing to local businesses.
- Issues Visa credit cards to customers.
- Manages trust and estate services.
- Offers online banking, phone banking, ATM access, and safe deposit boxes.
How Does PEBA Make Money?
- Generates interest income from its diverse loan portfolio, including residential mortgages, commercial, and construction loans.
- Earns non-interest income through fees for services such as trust and estate management, wire transfers, and safe deposit boxes.
- Attracts and retains customer deposits (checking, savings, CDs) which serve as a primary funding source for lending activities.
- Manages a spread between interest earned on assets (loans, investments) and interest paid on liabilities (deposits).
- Provides credit card services, earning interchange fees and interest on outstanding balances.
What Industry Does PEBA Operate In?
Penn Bancshares, Inc. operates within the highly regulated Banks - Regional industry, a segment characterized by its focus on local communities and personalized financial services. The broader financial services sector is currently navigating trends such as digital transformation, evolving regulatory landscapes, and fluctuating interest rate environments. Regional banks, like Pennsville National Bank, differentiate themselves through strong community ties, localized decision-making, and often more personalized customer relationships compared to larger national or global institutions. The competitive landscape in Salem County, New Jersey, likely includes other regional banks, credit unions, and potentially branches of larger national banks. Penn Bancshares' market positioning is primarily regional, leveraging its physical branch network in Pennsville, Elmer, Carney's Point, Pedricktown, and Woodstown to serve individuals and businesses. The industry's growth is often tied to local economic health, population changes, and the demand for credit and deposit services within specific geographic areas.
Who Are PEBA's Key Customers?
- Individual consumers seeking deposit accounts, personal loans, and wealth management services.
- Small and medium-sized businesses (SMBs) requiring commercial loans, construction financing, and treasury services.
- Families and individuals planning for retirement through IRAs and educational savings.
- Local residents of Salem County, New Jersey, and its surrounding communities.
- Individuals and families in need of trust and estate management services.
Company Profile
Penn Bancshares, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Pennsville, US. The company is led by CEO Donald L. Masten. PEBA has traded publicly since 1995.
Key Financial Metrics
Return on equity for Penn Bancshares, Inc. stands at 0.0%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.0%, showing how much profit it generates from its asset base. PEBA trades at a trailing price-to-earnings ratio of 0.00, below the Financial Services sector average of ~18x. Its free cash flow yield is 0.0%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.00 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 0.0%, the inverse of the P/E and a quick read on earnings relative to price.
PEBA Financials
Bull Case vs Bear Case
Bull Case
- Strong community focus and established presence in Salem County, New Jersey since 1969.
- Comprehensive suite of traditional banking services, including diverse deposit and lending products.
- Multiple branch locations across key towns within its service area enhance accessibility.
- Fosters customer loyalty through personalized service and local engagement.
Bear Case
- Limited geographic reach, confined primarily to Salem County, New Jersey.
- Potential for lower liquidity and reduced regulatory oversight due to OTC Other listing.
- Absence of a dividend yield may deter income-focused investors.
- Smaller scale (46 employees) compared to larger regional or national banks, potentially limiting resource allocation for technology or marketing.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · August 2026
PEBA Latest News
No recent news available for PEBA.
PEBA Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for PEBA.
Price Targets
Wall Street price target analysis for PEBA.
PEBA MoonshotScore
What does this score mean?
The MoonshotScore rates PEBA 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: Donald L. Masten
Chief Executive Officer
Donald L. Masten serves as the Chief Executive Officer of Penn Bancshares, Inc., overseeing the strategic direction and operational management of the holding company and its primary subsidiary, Pennsville National Bank. While specific details regarding his prior career history and educational background are not provided in the available data, his leadership role at a community banking institution suggests a substantial background in financial services, likely encompassing areas such as retail banking, commercial lending, risk management, or executive leadership within a similar regional banking environment. His position involves guiding the company's efforts to serve the financial needs of Salem County, New Jersey.
Track Record: As CEO, Donald L. Masten is responsible for the overall performance and strategic execution of Penn Bancshares, Inc. Under his leadership, the company manages its portfolio of deposit accounts and lending products, ensuring the continued provision of financial services to its community. His tenure involves overseeing the operations of five branch locations and managing a team of 46 employees, focusing on maintaining customer relationships and adapting to the evolving financial landscape within Salem County. Specific achievements or strategic decisions are not detailed in the provided information.
PEBA OTC Market Information
Penn Bancshares, Inc. trades on the OTC Other tier, which is the lowest of the three primary OTC Markets tiers (OTCQX, OTCQB, and OTC Pink). The "OTC Other" tier, often referred to as the "Pink No Information" tier, is for companies that do not meet the disclosure requirements for OTCQX or OTCQB, or do not qualify for the "Pink Current Information" tier. Companies on this tier may not provide any public financial information or may have limited reporting. This contrasts significantly with exchange-listed stocks (NYSE, NASDAQ) which have stringent listing standards regarding financial reporting, corporate governance, and minimum share prices, ensuring a higher level of transparency and investor protection.
- OTC Tier: OTC Other
- Limited or "Unknown" public disclosure of financial information, hindering investor due diligence.
- Significantly lower trading volume and wider bid-ask spreads, leading to poor liquidity and price volatility.
- Less stringent regulatory oversight compared to exchange-listed markets, potentially increasing investment risk.
- Difficulty in obtaining reliable valuation metrics or analyst coverage due to lack of transparency and trading activity.
- Potential for limited access to capital markets for future funding compared to exchange-listed companies.
- Verify the company's current financial statements directly from the company or regulatory filings if available.
- Investigate any available news, press releases, or corporate actions from reliable sources.
- Assess the company's operational stability and market position within Salem County, New Jersey.
- Understand the specific risks associated with the OTC Other tier, including liquidity and disclosure.
- Examine the management team's background and experience, if additional information can be sourced.
- Evaluate the local economic conditions in Salem County and their potential impact on the bank's performance.
- Consider the long-term viability of a community bank operating in a competitive financial services landscape.
- Established in 1969, indicating a long operational history as Pennsville National Bank.
- Operates multiple physical branch locations in Salem County, New Jersey (Pennsville, Elmer, Carney's Point, Pedricktown, Woodstown).
- Provides traditional banking services, suggesting a legitimate and regulated business operation.
- Identified CEO, Donald L. Masten, overseeing 46 employees, indicating a structured organization.
Common Questions About PEBA (Financial Services)
How does Penn Bancshares, Inc. generate revenue as a regional bank?
Penn Bancshares, Inc., through its subsidiary Pennsville National Bank, primarily generates revenue from two main sources: net interest income and non-interest income. Net interest income is derived from the spread between the interest earned on its asset portfolio, predominantly loans such as residential mortgages, commercial, construction, and automobile loans, and the interest paid on its liabilities, primarily customer deposits like checking, savings, money market, and certificates of deposit.
What are the specific challenges and opportunities for Penn Bancshares, Inc. in adapting to digital banking trends?
For Penn Bancshares, Inc., adapting to digital banking trends presents both specific challenges and significant opportunities. A primary challenge for a regional community bank of its size (46 employees) is the capital investment and technological expertise required to develop and maintain competitive online and mobile banking platforms.
How does Penn Bancshares, Inc.'s community focus influence its business strategy and competitive positioning?
Penn Bancshares, Inc.'s deep community focus significantly shapes its business strategy and competitive positioning within Salem County, New Jersey. As Pennsville National Bank, its strategy revolves around building and maintaining strong, personalized relationships with local individuals and businesses, which often translates into higher customer loyalty compared to larger, more impersonal national banks.
What are the key factors to evaluate for PEBA?
Evaluate PEBA on fundamentals, analyst consensus, and risk factors. Penn Bancshares, Inc. operates as a community bank, Pennsville National Bank, serving Salem County, New Jersey, since 1969. Not financial advice.
How frequently does PEBA data refresh on this page?
PEBA's price was last updated on Aug 21, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven PEBA's recent stock price performance?
Penn Bancshares, Inc. (PEBA) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong community focus and established presence in Salem County, New Jersey since 1969. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider PEBA overvalued or undervalued right now?
Penn Bancshares, Inc. (PEBA) has no trailing P/E available here, so lean on price-to-sales and cash flow in the Financials tab. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
How do I research PEBA before investing?
Before investing in Penn Bancshares, Inc. (PEBA), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) analyst consensus ratings and price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Limited specific financial metrics (e.g., revenue, net income, market share) were available in the source data, impacting the depth of financial analysis in some sections.
- Detailed CEO background and track record beyond name and employee count were not provided, requiring general statements based on role.
- No FMP PEER TICKERS were provided, resulting in an empty 'competitors' array.