PPAL (Peoples Trust Company Of St. Albans) Moat Score: 0/10 (As of Jul. 04, 2026)


PPAL Peoples Trust Company Of St. Albans PPAL
61 GF Score
Price $60.10
GF Value $83.44
! 1 Warning Sign
View Full Analysis

What is Peoples Trust Company Of St. Albans Moat Score?

Peoples Trust Company Of St. Albans has the Moat Score of 0, which implies that the company might have No Moat - No discernible moat.

Peoples Trust Company Of St. Albans has

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Peoples Trust Company Of St. Albans might have No Moat - No discernible moat.

Peoples Trust Company Of St. Albans  (OTCPK:PPAL) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Peoples Trust Company Of St. Albans Moat Score Related Terms

PPAL
61GF Score
Peoples Trust Company Of St. Albans PPAL
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

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:

  • Moat Score: 0
  • 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

Get the complete analysis for PPAL

Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$60.10
Price
$83.44
GF Value