* The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
PPAL's PEG Ratio is not ranked
in the Banks industry.
Industry Median: 1.53
vs PPAL: 1.90
Peter Lynch thinks a company with a P/E ratio equal to its growth rate is fairly valued.
Peoples Trust Company Of St. Albans (OTCPK:PPAL) PEG Ratio Explanation
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the P/E ratio divided by the growth ratio. He thinks a company with a P/E ratio equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a P/E of 20, instead of a company growing 10% a year with a P/E of 10.
Peoples Trust Company Of St. Albans PEG Ratio Related Terms
Peoples Trust Company Of St. Albans PEG 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 PEG Ratio Chart
For the Banks - Regional subindustry, Peoples Trust Company Of St. Albans's PEG Ratio, along with its competitors' market caps and PEG 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 PEG Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Peoples Trust Company Of St. Albans's PEG Ratio distribution charts can be found below:
* The bar in red indicates where Peoples Trust Company Of St. Albans's PEG Ratio 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.
* Note: The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
Peoples Trust Company Of St. Albans (PPAL) has a PEG Ratio of 1.90 as of Jul. 04, 2026. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Peoples Trust Company Of St. Albans and its competitors. This is 51% below median its historical median of 3.90. Over the past decade, Peoples Trust Company Of St. Albans' PEG Ratio has ranged from 1.89 to 5.04.
Is Peoples Trust Company Of St. Albans' PEG Ratio too high?
Peoples Trust Company Of St. Albans' current PEG Ratio of 1.90 is 51% below median its 10-year median of 3.90. Over the past 10 years, this metric has ranged from a low of 1.89 to a high of 5.04. The Banks industry median PEG Ratio is 1.53. Peoples Trust Company Of St. Albans' value of 1.90 is 24.2% above 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' PEG Ratio compare to PNBI and CDAB?
Peoples Trust Company Of St. Albans' PEG Ratio of 1.90 can be compared against companies in the Banks industry. The industry median PEG Ratio is 1.53. Peoples Trust Company Of St. Albans' value of 1.90 is 24.2% above this benchmark. Historically, Peoples Trust Company Of St. Albans' own PEG Ratio has ranged from 1.89 to 5.04 over the past decade. While the company's 10-year median is 3.90 vs. the industry median of 1.53, Peoples Trust Company Of St. Albans has consistently been above 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 PEG Ratio for a Banks company?
The median PEG Ratio among Banks companies is 1.53, based on 1,228 companies in the industry. Companies in the top quartile (top 25%) have a PEG Ratio significantly above this median, while those in the bottom quartile fall well below. However, PEG 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 PEG Ratio of 1.90 is 24.2% above 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 PEG Ratio mean?
A high PEG Ratio can signal that a stock is expensive relative to its fundamentals. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Peoples Trust Company Of St. Albans and its competitors. For the Banks industry, the median PEG Ratio is 1.53 — 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 PEG Ratio is 1.90, which is 51% below median its own 10-year median of 3.90. 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 PEG Ratio of 1.90. 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 PEG Ratio is 1.90, which is 51% below median its 10-year median of 3.90 and 24.2% above the Banks industry median of 1.53. 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 PEG Ratio calculated?
PEG Ratio is calculated from a company's financial statements. For Peoples Trust Company Of St. Albans (PPAL), the current PEG Ratio is 1.90 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:
PEG Ratio: 1.90 (51% below median its 10-year median of 3.90)
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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