The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period. Peoples Trust Company Of St. Albans's Dividend Payout Ratio for the
months ended in Dec. 2025 was 0.16.
The historical rank and industry rank for Peoples Trust Company Of St. Albans's Dividend Payout Ratio or its related term are showing as below:
PPAL'
s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.16 Med: 0.23 Max: 0.26
Current: 0.16
During the past 8 years, the highest Dividend Payout Ratio of Peoples Trust Company Of St. Albans was 0.26. The lowest was 0.16. And the median was 0.23.
PPAL's Dividend Payout Ratio is not ranked
in the Banks industry.
Industry Median: 0.32
vs PPAL: 0.16
During the past 8 years, the highest Trailing Annual Dividend Yield of Peoples Trust Company Of St. Albans was 2.04%. The lowest was 0.00%. And the median was 1.59%.
During the past 12 months, Peoples Trust Company Of St. Albans's average Dividends Per Share Growth Rate was 8.90% per year.
During the past 3 years, the average Dividends Per Share Growth Rate was 8.80% per year.
During the past 5 years, the average Dividends Per Share Growth Rate was 5.40% per year.
During the past 8 years, the highest 3-Year average Dividends Per Share Growth Rate of Peoples Trust Company Of St. Albans was 8.80% per year. The lowest was 2.60% per year. And the median was 5.80% per year.
The growth rate is calculated with least square regression.
For more information regarding to dividend, please check our Dividend Page.
* Please note that "special dividend" is not included in the calculation of dividend per share and related fields.
Peoples Trust Company Of St. Albans (OTCPK:PPAL) Dividend Payout Ratio Explanation
In dividends investing, Dividend Payout Ratio and Dividend Growth Rate are the two most important variables for consideration. A lower payout ratio may indicate that the company has more room to increase its dividends.
Peoples Trust Company Of St. Albans Dividend Payout Ratio Related Terms
Peoples Trust Company Of St. Albans Dividend Payout Ratio 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 Dividend Payout Ratio Chart
PPAL vs PNBI, CDAB, PWBK: Dividend Payout Ratio Comparison
For the Banks - Regional subindustry, Peoples Trust Company Of St. Albans's Dividend Payout Ratio, along with its competitors' market caps and Dividend Payout Ratio 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 Dividend Payout Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Peoples Trust Company Of St. Albans's Dividend Payout Ratio distribution charts can be found below:
* The bar in red indicates where Peoples Trust Company Of St. Albans's Dividend Payout Ratio falls into.
Peoples Trust Company Of St. Albans Dividend Payout Ratio Calculation
The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period.
* 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 Dividend Payout Ratio of 0.16 as of Dec. 2025. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Peoples Trust Company Of St. Albans and its competitors. This is 30% below median its historical median of 0.23. Over the past decade, Peoples Trust Company Of St. Albans' Dividend Payout Ratio has ranged from 0.16 to 0.26.
Is Peoples Trust Company Of St. Albans' Dividend Payout Ratio too high?
Peoples Trust Company Of St. Albans' current Dividend Payout Ratio of 0.16 is 30% below median its 10-year median of 0.23. Over the past 10 years, this metric has ranged from a low of 0.16 to a high of 0.26. The Banks industry median Dividend Payout Ratio is 0.32. Peoples Trust Company Of St. Albans' value of 0.16 is 50% 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' Dividend Payout Ratio compare to PNBI and CDAB?
Peoples Trust Company Of St. Albans' Dividend Payout Ratio of 0.16 can be compared against companies in the Banks industry. The industry median Dividend Payout Ratio is 0.32. Peoples Trust Company Of St. Albans' value of 0.16 is 50% below this benchmark. Historically, Peoples Trust Company Of St. Albans' own Dividend Payout Ratio has ranged from 0.16 to 0.26 over the past decade. While the company's 10-year median is 0.23 vs. the industry median of 0.32, 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 Dividend Payout Ratio for a Banks company?
The median Dividend Payout Ratio among Banks companies is 0.32, based on 1,169 companies in the industry. Companies in the top quartile (top 25%) have a Dividend Payout Ratio significantly above this median, while those in the bottom quartile fall well below. However, Dividend Payout Ratio 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 Dividend Payout Ratio of 0.16 is 50% 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 Dividend Payout Ratio mean?
A high Dividend Payout Ratio can signal that a stock is expensive relative to its fundamentals. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Peoples Trust Company Of St. Albans and its competitors. For the Banks industry, the median Dividend Payout Ratio is 0.32 — 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 Dividend Payout Ratio is 0.16, which is 30% below median its own 10-year median of 0.23. 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 Dividend Payout Ratio of 0.16. 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 Dividend Payout Ratio is 0.16, which is 30% below median its 10-year median of 0.23 and 50% below the Banks industry median of 0.32. 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 Dividend Payout Ratio calculated?
Dividend Payout Ratio is calculated from a company's financial statements. For Peoples Trust Company Of St. Albans (PPAL), the current Dividend Payout Ratio is 0.16 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:
Dividend Payout Ratio: 0.16 (30% below median its 10-year median of 0.23)
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
Dividend Payout Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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