PPAL'
s EV-to-FCF Range Over the Past 10 Years
Min: -882.95 Med: 4.4 Max: 80.51
Current: 6.75
During the past 8 years, the highest EV-to-FCF of Peoples Trust Company Of St. Albans was 80.51. The lowest was -882.95. And the median was 4.40.
PPAL's EV-to-FCF is not ranked
in the Banks industry.
Industry Median: 6.61
vs PPAL: 6.75
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Peoples Trust Company Of St. Albans (OTCPK:PPAL) EV-to-FCF Explanation
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Peoples Trust Company Of St. Albans's PE Ratio (TTM) for today is calculated as:
Peoples Trust Company Of St. Albans's share price for today is $60.10.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Peoples Trust Company Of St. Albans's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $7.720.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Peoples Trust Company Of St. Albans EV-to-FCF Related Terms
Peoples Trust Company Of St. Albans EV-to-FCF 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 EV-to-FCF Chart
For the Banks - Regional subindustry, Peoples Trust Company Of St. Albans's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Peoples Trust Company Of St. Albans's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Peoples Trust Company Of St. Albans's EV-to-FCF falls into.
Peoples Trust Company Of St. Albans's current Enterprise Value is $24.45 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Peoples Trust Company Of St. Albans's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $3.62 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.
Peoples Trust Company Of St. Albans (PPAL) has a EV-to-FCF of 6.75 as of Jul. 04, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Peoples Trust Company Of St. Albans and its competitors. This is 53% above median its historical median of 4.40.
Is Peoples Trust Company Of St. Albans' EV-to-FCF too high?
Peoples Trust Company Of St. Albans' current EV-to-FCF of 6.75 is 53% above median its 10-year median of 4.40. The Banks industry median EV-to-FCF is 6.61. Peoples Trust Company Of St. Albans' value of 6.75 is 2.1% 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' EV-to-FCF compare to PNBI and CDAB?
Peoples Trust Company Of St. Albans' EV-to-FCF of 6.75 can be compared against companies in the Banks industry. The industry median EV-to-FCF is 6.61. Peoples Trust Company Of St. Albans' value of 6.75 is 2.1% above this benchmark. While the company's 10-year median is 4.40 vs. the industry median of 6.61, 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 EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.61, based on 1,193 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF 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 EV-to-FCF of 6.75 is 2.1% 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Peoples Trust Company Of St. Albans and its competitors. For the Banks industry, the median EV-to-FCF is 6.61 — 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 EV-to-FCF is 6.75, which is 53% above median its own 10-year median of 4.40. 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 EV-to-FCF of 6.75. 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 EV-to-FCF is 6.75, which is 53% above median its 10-year median of 4.40 and 2.1% above the Banks industry median of 6.61. 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 EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Peoples Trust Company Of St. Albans (PPAL), the current EV-to-FCF is 6.75 as of Jul. 04, 2026. 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:
EV-to-FCF: 6.75 (53% above median its 10-year median of 4.40)
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 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
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EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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