* 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 FCF Margin % Chart
For the Banks - Regional subindustry, Peoples Trust Company Of St. Albans's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Peoples Trust Company Of St. Albans's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Peoples Trust Company Of St. Albans's FCF Margin % falls into.
* 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 FCF Margin % of 20.53% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Peoples Trust Company Of St. Albans and its competitors. This is near median its historical median of 20.41.
Is Peoples Trust Company Of St. Albans' FCF Margin % too high?
Peoples Trust Company Of St. Albans' current FCF Margin % of 20.53% is near median its 10-year median of 20.41. The Banks industry median FCF Margin % is 26.36. Peoples Trust Company Of St. Albans' value of 20.53% is 22.1% below 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' FCF Margin % compare to PNBI and CDAB?
Peoples Trust Company Of St. Albans' FCF Margin % of 20.53% can be compared against companies in the Banks industry. The industry median FCF Margin % is 26.36. Peoples Trust Company Of St. Albans' value of 20.53% is 22.1% below this benchmark. While the company's 10-year median is 20.41 vs. the industry median of 26.36, Peoples Trust Company Of St. Albans has consistently been below 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.36, based on 1,506 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % 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 FCF Margin % of 20.53% is 22.1% below 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Peoples Trust Company Of St. Albans and its competitors. For the Banks industry, the median FCF Margin % is 26.36 — 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 FCF Margin % is 20.53%, which is near median its own 10-year median of 20.41. 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 FCF Margin % of 20.53%. 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 FCF Margin % is 20.53%, which is near median its 10-year median of 20.41 and 22.1% below the Banks industry median of 26.36. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Peoples Trust Company Of St. Albans (PPAL), the current FCF Margin % is 20.53% 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:
FCF Margin %: 20.53% (near median its 10-year median of 20.41)
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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