PPAL'
s Net Margin % Range Over the Past 10 Years
Min: 15.5 Med: 17.6 Max: 23.48
Current: 23.48
PPAL's Net Margin % is not ranked
in the Banks industry.
Industry Median: 26.845
vs PPAL: 23.48
Peoples Trust Company Of St. Albans (OTCPK:PPAL) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Peoples Trust Company Of St. Albans Net Margin % Related Terms
Peoples Trust Company Of St. Albans Net Margin % 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 Net Margin % Chart
For the Banks - Regional subindustry, Peoples Trust Company Of St. Albans's Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Peoples Trust Company Of St. Albans's Net Margin % distribution charts can be found below:
* The bar in red indicates where Peoples Trust Company Of St. Albans's Net 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 Net Margin % of 23.48% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Peoples Trust Company Of St. Albans and its competitors. This is 33% above median its historical median of 17.60. Over the past decade, Peoples Trust Company Of St. Albans' Net Margin % has ranged from 15.50 to 23.48.
Is Peoples Trust Company Of St. Albans' Net Margin % too high?
Peoples Trust Company Of St. Albans' current Net Margin % of 23.48% is 33% above median its 10-year median of 17.60. Over the past 10 years, this metric has ranged from a low of 15.50 to a high of 23.48. The Banks industry median Net Margin % is 26.85. Peoples Trust Company Of St. Albans' value of 23.48% is 12.5% 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' Net Margin % compare to PNBI and CDAB?
Peoples Trust Company Of St. Albans' Net Margin % of 23.48% can be compared against companies in the Banks industry. The industry median Net Margin % is 26.85. Peoples Trust Company Of St. Albans' value of 23.48% is 12.5% below this benchmark. Historically, Peoples Trust Company Of St. Albans' own Net Margin % has ranged from 15.50 to 23.48 over the past decade. While the company's 10-year median is 17.60 vs. the industry median of 26.85, 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.85, based on 1,528 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net 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 Net Margin % of 23.48% is 12.5% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Peoples Trust Company Of St. Albans and its competitors. For the Banks industry, the median Net Margin % is 26.85 — 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 Net Margin % is 23.48%, which is 33% above median its own 10-year median of 17.60. 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 Net Margin % of 23.48%. 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 Net Margin % is 23.48%, which is 33% above median its 10-year median of 17.60 and 12.5% below the Banks industry median of 26.85. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Peoples Trust Company Of St. Albans (PPAL), the current Net Margin % is 23.48% 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:
Net Margin %: 23.48% (33% above median its 10-year median of 17.60)
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
Get the complete analysis for PPAL
Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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