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During the past 12 months, Peoples Trust Company Of St. Albans's average EPS without NRI Growth Rate was 13.00% per year.
During the past 3 years, the average EPS without NRI Growth Rate was 27.70% per year.
During the past 5 years, the average EPS without NRI Growth Rate was 15.00% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EPS without NRI growth rate.
During the past 10 years, the highest 3-Year average EPS without NRI Growth Rate of Peoples Trust Company Of St. Albans was 27.70% per year. The lowest was 0.50% per year. And the median was 9.40% per year.
Peoples Trust Company Of St. Albans (OTCPK:PPAL) 3-Year EPS without NRI Growth Rate Explanation
EPS without NRI is the amount of earnings without non-recurring items per outstanding share of the company's stock.
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists Earnings per share without Non-Recurring Items, which better reflects the company's underlying performance.
Peoples Trust Company Of St. Albans 3-Year EPS without NRI Growth Rate Related Terms
PPAL vs PNBI, CDAB, PWBK: 3-Year EPS without NRI Growth Rate Comparison
For the Banks - Regional subindustry, Peoples Trust Company Of St. Albans's 3-Year EPS without NRI Growth Rate, along with its competitors' market caps and 3-Year EPS without NRI Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Peoples Trust Company Of St. Albans 3-Year EPS without NRI Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Peoples Trust Company Of St. Albans's 3-Year EPS without NRI Growth Rate distribution charts can be found below:
* The bar in red indicates where Peoples Trust Company Of St. Albans's 3-Year EPS without NRI Growth Rate falls into.
Peoples Trust Company Of St. Albans 3-Year EPS without NRI Growth Rate Calculation
This is the 3-year average growth rate of EPS without NRI. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EPS without NRI growth rate.
What does a 3-Year EPS without NRI Growth Rate of 27.70% mean?
Peoples Trust Company Of St. Albans (PPAL) has a 3-Year EPS without NRI Growth Rate of 27.70% as of Dec. 2025. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Peoples Trust Company Of St. Albans and its competitors. This is 195% above median its historical median of 9.40. Over the past decade, Peoples Trust Company Of St. Albans' 3-Year EPS without NRI Growth Rate has ranged from 0.50 to 27.70.
Is Peoples Trust Company Of St. Albans' 3-Year EPS without NRI Growth Rate too high?
Peoples Trust Company Of St. Albans' current 3-Year EPS without NRI Growth Rate of 27.70% is 195% above median its 10-year median of 9.40. Over the past 10 years, this metric has ranged from a low of 0.50 to a high of 27.70. The Banks industry median 3-Year EPS without NRI Growth Rate is 7.60. Peoples Trust Company Of St. Albans' value of 27.70% is 264.5% above this industry median. 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' 3-Year EPS without NRI Growth Rate compare to PNBI and CDAB?
Peoples Trust Company Of St. Albans' 3-Year EPS without NRI Growth Rate of 27.70% can be compared against companies in the Banks industry. The industry median 3-Year EPS without NRI Growth Rate is 7.60. Peoples Trust Company Of St. Albans' value of 27.70% is 264.5% above this benchmark. Historically, Peoples Trust Company Of St. Albans' own 3-Year EPS without NRI Growth Rate has ranged from 0.50 to 27.70 over the past decade. While the company's 10-year median is 9.40 vs. the industry median of 7.60, Peoples Trust Company Of St. Albans has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year EPS without NRI Growth Rate for a Banks company?
The median 3-Year EPS without NRI Growth Rate among Banks companies is 7.60, based on 1,401 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EPS without NRI Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EPS without NRI Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Peoples Trust Company Of St. Albans's current 3-Year EPS without NRI Growth Rate of 27.70% is 264.5% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year EPS without NRI Growth Rate mean?
A high 3-Year EPS without NRI Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Peoples Trust Company Of St. Albans and its competitors. For the Banks industry, the median 3-Year EPS without NRI Growth Rate is 7.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Peoples Trust Company Of St. Albans's current 3-Year EPS without NRI Growth Rate is 27.70%, which is 195% above median its own 10-year median of 9.40. 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 3-Year EPS without NRI Growth Rate of 27.70%. 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 3-Year EPS without NRI Growth Rate is 27.70%, which is 195% above median its 10-year median of 9.40 and 264.5% above the Banks industry median of 7.60. 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 3-Year EPS without NRI Growth Rate calculated?
3-Year EPS without NRI Growth Rate is calculated from a company's financial statements. For Peoples Trust Company Of St. Albans (PPAL), the current 3-Year EPS without NRI Growth Rate is 27.70% 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:
3-Year EPS without NRI Growth Rate: 27.70% (195% above median its 10-year median of 9.40)
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 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
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3-Year EPS without NRI Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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