During the past 8 years, Peoples Trust Company Of St. Albans's highest 3-Year average EPS without NRI Growth Rate was 27.70% per year. The lowest was 0.50% per year. And the median was 9.40% per year.
Peoples Trust Company Of St. Albans (OTCPK:PPAL) PE Ratio (TTM) Explanation
The PE Ratio (TTM) can be viewed as the number of years it takes for the company to earn back the price you pay for the stock. For example, if a company earns $2 a share per year, and the stock is traded at $30, the PE Ratio (TTM) is 15. Therefore it takes 15 years for the company to earn back the $30 you paid for its stock, assuming the earnings stays constant over the next 15 years.
In real business, earnings never stay constant. If a company can grow its earnings, it takes fewer years for the company to earn back the price you pay for the stock. If a company's earnings decline it takes more years. As a shareholder, you want the company to earn back the price you pay as soon as possible. Therefore, lower P/E stocks are more attractive than higher P/E stocks so long as the PE Ratio (TTM) is positive. Also for stocks with the same PE Ratio (TTM), the one with faster growth business is more attractive.
If a company loses money, the PE Ratio (TTM) becomes meaningless.
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the PE Ratio (TTM) divided by the growth ratio. He thinks a company with a PE Ratio (TTM) equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a PE Ratio (TTM) of 20, instead of a company growing 10% a year with a PE Ratio (TTM) of 10.
Because the PE Ratio (TTM) measures how long it takes to earn back the price you pay, the PE Ratio (TTM) can be applied to the stocks across different industries. That is why it is the one of the most important and widely used indicators for the valuation of stocks.
Investors need to be aware that the PE Ratio (TTM) can be misleading a lot of times, especially when the underlying business is cyclical and unpredictable. As Peter Lynch pointed out, cyclical businesses have higher profit margins at the peaks of the business cycles. Their earnings are high and PE Ratio (TTM)s are artificially low. It is usually a bad idea to buy a cyclical business when the PE Ratio (TTM) is low. A better ratio to identify the time to buy a cyclical businesses is the PS Ratio .
PE Ratio (TTM) can also be affected by non-recurring-items such as the sale of part of businesses. This may increase for the current year or quarter dramatically. But it cannot be repeated over and over. Therefore PE Ratio without NRI is a more accurate indication of valuation than PE Ratio (TTM).
Peoples Trust Company Of St. Albans PE Ratio (TTM) Related Terms
Peoples Trust Company Of St. Albans PE Ratio (TTM) 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 PE Ratio (TTM) Chart
PPAL vs PNBI, CDAB, PWBK: PE Ratio (TTM) Comparison
For the Banks - Regional subindustry, Peoples Trust Company Of St. Albans's PE Ratio (TTM), along with its competitors' market caps and PE Ratio (TTM) 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 PE Ratio (TTM) vs Banks Industry
For the Banks industry and Financial Services sector, Peoples Trust Company Of St. Albans's PE Ratio (TTM) distribution charts can be found below:
* The bar in red indicates where Peoples Trust Company Of St. Albans's PE Ratio (TTM) falls into.
Peoples Trust Company Of St. Albans PE Ratio (TTM) Calculation
The PE Ratio (TTM), or Price-to-Earnings ratio, or P/E Ratio, is a financial ratio used to compare a company's market price to its Earnings per Share (Diluted). It is the most widely used ratio in the valuation of stocks.
Peoples Trust Company Of St. Albans's Share Price of today is $60.10.
For company reported annually, GuruFocus uses latest annual data as the TTM data. Peoples Trust Company Of St. Albans's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $7.72.
* 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.
It can also be calculated from the numbers for the whole company:
There are at least three kinds of PE Ratio (TTM)s used by different investors. They are Trailing Twelve Month PE Ratio (TTM) or PE Ratio (TTM) (TTM), Forward PE Ratio, or PE Ratio without NRI. A new PE Ratio (TTM) based on inflation-adjusted normalized PE Ratio (TTM) is called Shiller PE Ratio, after Yale professor Robert Shiller.
In the calculation of PE Ratio (TTM), the earnings per share used are the earnings per share over the past 12 months. For Forward PE Ratio, the earnings are the expected earnings for the next twelve months. In the case of PE Ratio without NRI, the reported earnings less the non-recurring items are used.
For Shiller PE Ratio, the earnings of the past 10 years are inflation-adjusted and averaged. Since it looks at the average over the last 10 years, Shiller PE Ratio is also called PE10.
Peoples Trust Company Of St. Albans (PPAL) has a PE Ratio (TTM) of 7.78 as of Jul. 04, 2026. Trailing 12-month P/E ratio is the ratio of share price to a company's trailing 12-month earnings per share. View historical data on Peoples Trust Company Of St. Albans and its competitors. This is 49% below median its historical median of 15.37. Over the past decade, Peoples Trust Company Of St. Albans' PE Ratio (TTM) has ranged from 7.78 to 30.08.
Is Peoples Trust Company Of St. Albans' PE Ratio (TTM) too high?
Peoples Trust Company Of St. Albans' current PE Ratio (TTM) of 7.78 is 49% below median its 10-year median of 15.37. Over the past 10 years, this metric has ranged from a low of 7.78 to a high of 30.08. The Banks industry median PE Ratio (TTM) is 11.73. Peoples Trust Company Of St. Albans' value of 7.78 is 33.7% 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' PE Ratio (TTM) compare to PNBI and CDAB?
Peoples Trust Company Of St. Albans' PE Ratio (TTM) of 7.78 can be compared against companies in the Banks industry. The industry median PE Ratio (TTM) is 11.73. Peoples Trust Company Of St. Albans' value of 7.78 is 33.7% below this benchmark. Historically, Peoples Trust Company Of St. Albans' own PE Ratio (TTM) has ranged from 7.78 to 30.08 over the past decade. While the company's 10-year median is 15.37 vs. the industry median of 11.73, 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 PE Ratio (TTM) for a Banks company?
The median PE Ratio (TTM) among Banks companies is 11.73, based on 1,445 companies in the industry. Companies in the top quartile (top 25%) have a PE Ratio (TTM) significantly above this median, while those in the bottom quartile fall well below. However, PE Ratio (TTM) 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 PE Ratio (TTM) of 7.78 is 33.7% 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 PE Ratio (TTM) mean?
A high PE Ratio (TTM) can signal that a stock is expensive relative to its fundamentals. Trailing 12-month P/E ratio is the ratio of share price to a company's trailing 12-month earnings per share. View historical data on Peoples Trust Company Of St. Albans and its competitors. For the Banks industry, the median PE Ratio (TTM) is 11.73 — 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 PE Ratio (TTM) is 7.78, which is 49% below median its own 10-year median of 15.37. 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 PE Ratio (TTM) of 7.78. 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 PE Ratio (TTM) is 7.78, which is 49% below median its 10-year median of 15.37 and 33.7% below the Banks industry median of 11.73. 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 PE Ratio (TTM) calculated?
PE Ratio (TTM) is calculated from a company's financial statements. For Peoples Trust Company Of St. Albans (PPAL), the current PE Ratio (TTM) is 7.78 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:
PE Ratio (TTM): 7.78 (49% below median its 10-year median of 15.37)
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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