PPAL'
s Pretax Margin % Range Over the Past 10 Years
Min: 16.45 Med: 19.31 Max: 26.73
Current: 26.73
PPAL's Pretax Margin % is not ranked
in the Banks industry.
Industry Median: 34.715
vs PPAL: 26.73
Peoples Trust Company Of St. Albans (OTCPK:PPAL) Pretax Margin % Explanation
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Peoples Trust Company Of St. Albans Pretax Margin % Related Terms
Peoples Trust Company Of St. Albans Pretax 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 Pretax Margin % Chart
PPAL vs PNBI, CDAB, PWBK: Pretax Margin % Comparison
For the Banks - Regional subindustry, Peoples Trust Company Of St. Albans's Pretax Margin %, along with its competitors' market caps and Pretax 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 Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Peoples Trust Company Of St. Albans's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Peoples Trust Company Of St. Albans's Pretax 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 Pretax Margin % of 26.73% as of Dec. 2025. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Peoples Trust Company Of St. Albans and its competitors. This is 38% above median its historical median of 19.31. Over the past decade, Peoples Trust Company Of St. Albans' Pretax Margin % has ranged from 16.45 to 26.73.
Is Peoples Trust Company Of St. Albans' Pretax Margin % too high?
Peoples Trust Company Of St. Albans' current Pretax Margin % of 26.73% is 38% above median its 10-year median of 19.31. Over the past 10 years, this metric has ranged from a low of 16.45 to a high of 26.73. The Banks industry median Pretax Margin % is 34.72. Peoples Trust Company Of St. Albans' value of 26.73% is 23% 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' Pretax Margin % compare to PNBI and CDAB?
Peoples Trust Company Of St. Albans' Pretax Margin % of 26.73% can be compared against companies in the Banks industry. The industry median Pretax Margin % is 34.72. Peoples Trust Company Of St. Albans' value of 26.73% is 23% below this benchmark. Historically, Peoples Trust Company Of St. Albans' own Pretax Margin % has ranged from 16.45 to 26.73 over the past decade. While the company's 10-year median is 19.31 vs. the industry median of 34.72, 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 Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 34.72, based on 1,528 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax 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 Pretax Margin % of 26.73% is 23% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Peoples Trust Company Of St. Albans and its competitors. For the Banks industry, the median Pretax Margin % is 34.72 — 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 Pretax Margin % is 26.73%, which is 38% above median its own 10-year median of 19.31. 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 Pretax Margin % of 26.73%. 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 Pretax Margin % is 26.73%, which is 38% above median its 10-year median of 19.31 and 23% below the Banks industry median of 34.72. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Peoples Trust Company Of St. Albans (PPAL), the current Pretax Margin % is 26.73% 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:
Pretax Margin %: 26.73% (38% above median its 10-year median of 19.31)
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
Pretax Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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