Peoples Trust Company Of St. Albans has the GF Score of 61, which implies that the company
might have
Poor future performance potential.
The GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation, which has been found to be closely correlated to the long-term performances of stocks by backtesting from 2006 to 2021. The stocks with a higher GF Score generally generate higher returns than those with lower GF Scores. Therefore, when picking stocks, investors should invest in companies with high GF Scores. The GF Score ranges from 0 to 100, with 100 as the highest rank.
GF Score takes following five key aspects into consideration:
Each one of these components is ranked and the ranks also have positive correlation with the long term performances of stocks. The GF score is calculated using the five key aspects of analysis. Through backtesting, we know that each of these key aspects has a different impact on the stock price performance. Thus, they are weighted differently when calculating the total score. The Profitability Rank and the Growth Rank are weighted fully, while other parameters have less weight.
Based on research and backtesting result, GuruFocus believes Peoples Trust Company Of St. Albans
might have
Poor future performance potential.
Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.
Peoples Trust Company Of St. Albans (OTCPK:PPAL) GF Score Explanation
Based on the historical long-term performances among five valuation aspects, the GF Score is found to be closely correlated to the long-term performances of stocks. It ranges from 0 to 100, with 100 as the highest. GuruFocus divided GF Score into following 5 categories:
GF Score
Performance Potential and All-in-One Screener Examples (1)
(1) These are some simple examples. You can access our GF Score filter under All-in-One Screener’s Fundamental tab.
Peoples Trust Company Of St. Albans GF Score Related Terms
PPAL vs PNBI, CDAB, PWBK: GF Score Comparison
For the Banks - Regional subindustry, Peoples Trust Company Of St. Albans's GF Score, along with its competitors' market caps and GF Score 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 GF Score vs Banks Industry
For the Banks industry and Financial Services sector, Peoples Trust Company Of St. Albans's GF Score distribution charts can be found below:
* The bar in red indicates where Peoples Trust Company Of St. Albans's GF Score falls into.
Peoples Trust Company Of St. Albans (PPAL) has a GF Score of 61 as of Jul. 04, 2026. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on Peoples Trust Company Of St. Albans and its competitors. This is near median its historical median of 59.00. Over the past decade, Peoples Trust Company Of St. Albans' GF Score has ranged from 28.00 to 69.00.
Is Peoples Trust Company Of St. Albans' GF Score too high?
Peoples Trust Company Of St. Albans' current GF Score of 61 is near median its 10-year median of 59.00. Over the past 10 years, this metric has ranged from a low of 28.00 to a high of 69.00. 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' GF Score compare to PNBI and CDAB?
Peoples Trust Company Of St. Albans' GF Score of 61 can be compared against companies in the Banks industry. Historically, Peoples Trust Company Of St. Albans' own GF Score has ranged from 28.00 to 69.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good GF Score for a Banks company?
A good GF Score depends on the Banks industry context. However, GF Score 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 GF Score mean?
A high GF Score can signal that a stock is expensive relative to its fundamentals. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on Peoples Trust Company Of St. Albans and its competitors. Peoples Trust Company Of St. Albans's current GF Score is 61, which is near median its own 10-year median of 59.00. 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 GF Score of 61. 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 GF Score is 61, which is near median its 10-year median of 59.00. 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 GF Score calculated?
GF Score is calculated from a company's financial statements. For Peoples Trust Company Of St. Albans (PPAL), the current GF Score is 61 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:
GF Score: 61 (near median its 10-year median of 59.00)
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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