PPAL (Peoples Trust Company Of St. Albans) Effective Interest Rate on Debt %: 0.00% (As of Dec. 2025)


PPAL Peoples Trust Company Of St. Albans PPAL
61 GF Score
Price $60.10
GF Value $83.44
! 1 Warning Sign
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What is Peoples Trust Company Of St. Albans Effective Interest Rate on Debt %?

Peoples Trust Company Of St. Albans PPAL 61 Effective Interest Rate on Debt % is 0.00% as of Dec. 2025. GuruFocus rates PPAL with a GF Score™ of 61/100 and a GF Value™ of $83.44. The stock has 1 warning sign investors should review.

Effective Interest Rate on Debt % is the usage rate that a borrower actually pays on a debt. It is calculated as the positive value of Interest Expense divided by its average total debt. Total debt equals to Long-Term Debt & Capital Lease Obligation plus Short-Term Debt & Capital Lease Obligation. Peoples Trust Company Of St. Albans's annualized positive value of Interest Expense for the quarter that ended in Dec. 2025 was $3.19 Mil. Peoples Trust Company Of St. Albans's average total debt for the quarter that ended in Dec. 2025 was $0.00 Mil. Therefore, Peoples Trust Company Of St. Albans's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 was N/A%.

Peoples Trust Company Of St. Albans  (OTCPK:PPAL) Effective Interest Rate on Debt % Explanation

Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.

Peoples Trust Company Of St. Albans Effective Interest Rate on Debt % Related Terms

Peoples Trust Company Of St. Albans Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Peoples Trust Company Of St. Albans's Effective Interest Rate on Debt % can be seen below:

* 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 Effective Interest Rate on Debt % Chart

Peoples Trust Company Of St. Albans Annual Data
Trend Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Effective Interest Rate on Debt %
Get a 7-Day Free Trial 0.00 0.00 0.00 0.00 0.00

Peoples Trust Company Of St. Albans Semi-Annual Data
Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Effective Interest Rate on Debt % Get a 7-Day Free Trial 0.00 0.00 0.00 0.00 0.00

PPAL vs PNBI, CDAB, PWBK: Effective Interest Rate on Debt % Comparison

For the Banks - Regional subindustry, Peoples Trust Company Of St. Albans's Effective Interest Rate on Debt %, along with its competitors' market caps and Effective Interest Rate on Debt % 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 Effective Interest Rate on Debt % vs Banks Industry

For the Banks industry and Financial Services sector, Peoples Trust Company Of St. Albans's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where Peoples Trust Company Of St. Albans's Effective Interest Rate on Debt % falls into.


PPAL
61GF Score
Peoples Trust Company Of St. Albans PPAL
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Peoples Trust Company Of St. Albans Effective Interest Rate on Debt % Calculation

Peoples Trust Company Of St. Albans's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Dec. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Dec. 2024 )+Total Debt  (A: Dec. 2025 ))/ count )
=-1  *  -3.187/( (0+0)/ 1 )
=-1  *  -3.187/0
=N/A %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0 + 0
=0

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0 + 0
=0

Peoples Trust Company Of St. Albans's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Dec. 2024 )+Total Debt  (Q: Dec. 2025 ))/ count )
=-1  *  -3.187/( (0+0)/ 1 )
=-1  *  -3.187/0
=N/A %

where

Total Debt  (Q: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0 + 0
=0

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0 + 0
=0

* 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.

In the calculation of annual Effective Interest Rate on Debt %, the Interest Expense of the last fiscal year and the average total debt over the fiscal year are used. In calculating the quarterly data, the Interest Expense data used here is one times the annual (Dec. 2025) interest expense data. Effective Interest Rate on Debt % is displayed in the 30-year financial page.

What does a Effective Interest Rate on Debt % of 0.00% mean?
Peoples Trust Company Of St. Albans (PPAL) has a Effective Interest Rate on Debt % of 0.00% as of Dec. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Peoples Trust Company Of St. Albans and its competitors.
Is Peoples Trust Company Of St. Albans' Effective Interest Rate on Debt % too high?
Peoples Trust Company Of St. Albans' current Effective Interest Rate on Debt % is 0.00%. 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' Effective Interest Rate on Debt % compare to PNBI and CDAB?
Peoples Trust Company Of St. Albans' Effective Interest Rate on Debt % of 0.00% 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 Effective Interest Rate on Debt % for a Banks company?
A good Effective Interest Rate on Debt % depends on the Banks industry context. However, Effective Interest Rate on Debt % 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 Effective Interest Rate on Debt % mean?
A high Effective Interest Rate on Debt % can signal that a stock is expensive relative to its fundamentals. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Peoples Trust Company Of St. Albans and its competitors. Peoples Trust Company Of St. Albans's current Effective Interest Rate on Debt % is 0.00%. 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 Effective Interest Rate on Debt % of 0.00%. 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 Effective Interest Rate on Debt % is 0.00%. 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 Effective Interest Rate on Debt % calculated?
Effective Interest Rate on Debt % is calculated from a company's financial statements. For Peoples Trust Company Of St. Albans (PPAL), the current Effective Interest Rate on Debt % is 0.00% 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:

  • Effective Interest Rate on Debt %: 0.00%
  • GF Value™: $83.44 vs. price of $60.10 (28% below fair value)
  • GF Score™: 61/100 with 1 warning sign

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

Address 25 Kingman Street, P.O. Box 320, Saint Albans, VT, USA, 05478
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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Effective Interest Rate on Debt % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$60.10
Price
$83.44
GF Value