Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Cash from financing is the cash generated/spent from financial activities such as share issuance (buy back), debt issuance (repayment), and dividends paid to preferred and common stockholders.
For the
six
months ended in Dec. 2025,
Peoples Trust Company Of St. Albans paid$0.64 Mil more to buy back shares than it received from issuing new shares.
It received$0.00 Mil from issuing more debt.
It paid$0.00 Mil more to buy back preferred shares than it received from issuing preferred shares.
It spent$0.66 Mil paying cash dividends to shareholders.
It received$10.02 Mil on other financial activities.
In all, Peoples Trust Company Of St. Albansearned$8.72 Mil on financial activities for the
six
months ended in Dec. 2025.
Peoples Trust Company Of St. Albans (OTCPK:PPAL) Cash Flow from Financing Explanation
Cash from financing contains six items:
1. Issuance of Stock:
A company may raise cash from issuing new shares. Issuance of stock represents the cash inflow from offering common stock, which is the additional capital contribution to the entity during the period.
Peoples Trust Company Of St. Albans's issuance of stock for the
six
months ended in Dec. 2025 was $0.00 Mil.
2. Repurchase of Stock:
A company may raise cash from issuing new shares. It can also use cash to buy back shares. Repurchase of stock represents the cash outflow to reacquire common stock during the period.
Peoples Trust Company Of St. Albans's repurchase of stock for the
six
months ended in Dec. 2025 was $-0.64 Mil.
3. Net Issuance of Debt:
Net issuance of debt is the cash a company received or spent through debt related activities such as debt issuance or debt repayment. If a company pays down its debt during the period, this number will be negative. If a company issued more debt, it receives cash and this number is positive.
Peoples Trust Company Of St. Albans's net issuance of debt for the
six
months ended in Dec. 2025 was $0.00 Mil.
Peoples Trust Company Of St. Albans received$0.00 Mil from issuing more debt.
4. Net Issuance of Preferred Stock:
A company may raise cash from issuing new preferred shares. It can also use cash to buy back preferred shares. If this number is positive, it means that the company has received more cash from issuing preferred shares than it has paid to buy back preferred shares. If this number is negative, it means that company has paid more cash to buy back preferred shares than it has received for issuing preferred shares.
Peoples Trust Company Of St. Albans's net issuance of preferred for the
six
months ended in Dec. 2025 was $0.00 Mil.
Peoples Trust Company Of St. Albans paid$0.00 Mil more to buy back preferred shares than it received from issuing preferred shares.
5. Cash Flow for Dividends:
Cash flow for dividends refers to the payment of cash to shareholders as dividends when the company generates income.
Peoples Trust Company Of St. Albans's cash flow for dividends for the
six
months ended in Dec. 2025 was $-0.66 Mil.
Peoples Trust Company Of St. Albans spent$0.66 Mil paying cash dividends to shareholders.
6. Other Financing:
Money spent or earned by company from other financial activities.
Peoples Trust Company Of St. Albans's other financing for the
six
months ended in Dec. 2025 was $10.02 Mil.
Peoples Trust Company Of St. Albans received$10.02 Mil on other financial activities.
Peoples Trust Company Of St. Albans Cash Flow from Financing Related Terms
Peoples Trust Company Of St. Albans Cash Flow from Financing Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Peoples Trust Company Of St. Albans Cash Flow from Financing Chart
Peoples Trust Company Of St. Albans Cash Flow from Financing Calculation
This is the cash generated/spent from financial activities such as share issuance (buy back), debt issuance (repayment), and dividends paid to preferred and common stockholders. In the calculation of free cash flow, cash from financing is not calculated because it is not related to operating activities.
For stock reported annually, GuruFocus uses latest annual data as the TTM data. Cash Flow from Financing for the trailing twelve months (TTM) ended in Dec. 2025 was $8.72 Mil.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
What does a Cash Flow from Financing of $8.72 Mil mean?
Peoples Trust Company Of St. Albans (PPAL) has a Cash Flow from Financing of $8.72 Mil as of Dec. 2025. Cash Flow from Financing is the amount of cash earned or paid from financing operations. View historical data for Peoples Trust Company Of St. Albans and its competitors.
Is Peoples Trust Company Of St. Albans' Cash Flow from Financing too high?
Peoples Trust Company Of St. Albans' current Cash Flow from Financing is $8.72 Mil. Overall, Peoples Trust Company Of St. Albans has a GF Score™ of 61/100, reflecting its overall financial health beyond just this single metric.
How does Peoples Trust Company Of St. Albans' Cash Flow from Financing compare to PNBI and CDAB?
Peoples Trust Company Of St. Albans' Cash Flow from Financing of $8.72 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash Flow from Financing for a Banks company?
A good Cash Flow from Financing depends on the Banks industry context. However, Cash Flow from Financing should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash Flow from Financing mean?
A high Cash Flow from Financing can signal that a stock is expensive relative to its fundamentals. Cash Flow from Financing is the amount of cash earned or paid from financing operations. View historical data for Peoples Trust Company Of St. Albans and its competitors. Peoples Trust Company Of St. Albans's current Cash Flow from Financing is $8.72 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Peoples Trust Company Of St. Albans stock overvalued right now?
Peoples Trust Company Of St. Albans (PPAL) has a current Cash Flow from Financing of $8.72 Mil. The stock's GF Value™ is $83.44, compared to a current price of $60.10 — trading 28% below its estimated fair value. The current Cash Flow from Financing is $8.72 Mil. Peoples Trust Company Of St. Albans' overall GF Score™ is 61/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash Flow from Financing calculated?
Cash Flow from Financing is calculated from a company's financial statements. For Peoples Trust Company Of St. Albans (PPAL), the current Cash Flow from Financing is $8.72 Mil as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Peoples Trust Company Of St. Albans (PPAL) Overvalued in 2026?
Based on GuruFocus' analysis, Peoples Trust Company Of St. Albans stock appears to be undervalued.
The current stock price of $60.10 is trading 28% below its estimated GF Value™ of $83.44.
Key valuation signals for PPAL:
Cash Flow from Financing: $8.72 Mil
GF Value™: $83.44 vs. price of $60.10 (28% below fair value)
No single metric tells the full story. See the PPAL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Peoples Trust Company Of St. Albans Business Description
Peoples Trust Company of St. Albans is a banking company. Through its branches in northwestern Vermont, the bank provides financial services to individuals, municipalities, commercial, and non-profit customers. The bank offers checking and savings accounts, online access, personal banking, business banking, community banking, and certificates of deposit. Its lending products include commercial, real estate, agricultural, agrity, municipal, and consumer loans.
61GF Score
Get the complete analysis for PPAL
Cash Flow from Financing is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
PPAL has been successfully added to your 
