Peoples Trust Company Of St. Albans (OTCPK:PPAL) PS Ratio Explanation
The PS Ratio is an excellent valuation indicator if you want to compare a stock with its historical valuation or with the stocks in the same industry. The PS Ratio works especially well when you want to compare the stock's current valuation with its historical valuation. The PS Ratio is a great valuation tool for evaluating cyclical businesses where the PE Ratio works poorly. It works the best when comparing the current valuation with the historical valuation because over time, a company's profit margin tends to revert to the mean.
When the PS Ratio is applied to the whole stock market, it can be used to evaluate the current market valuation and projected returns. In this case, the price is the total market cap of all stocks that are traded, and sales are the GDP of the country. This is how Warren Buffett estimates the broad market valuation and project future returns.
The PS Ratio does not tell you how cheap or expensive the stock is. It cannot be used to compare companies in different industries. It works better for companies within the same industry because these companies tend to have similar capital structures and profit margins. It works the best when comparing a company with itself in the past.
Peoples Trust Company Of St. Albans PS Ratio Related Terms
Peoples Trust Company Of St. Albans PS 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 PS Ratio Chart
For the Banks - Regional subindustry, Peoples Trust Company Of St. Albans's PS Ratio, along with its competitors' market caps and PS 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 PS Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Peoples Trust Company Of St. Albans's PS Ratio distribution charts can be found below:
* The bar in red indicates where Peoples Trust Company Of St. Albans's PS Ratio falls into.
Peoples Trust Company Of St. Albans PS Ratio Calculation
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. It is a ratio widely used to value stocks and it was first used by Ken Fisher.
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 Revenue per Share for the trailing twelve months (TTM) ended in Dec. 2025 was $32.86.
* 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:
Peoples Trust Company Of St. Albans (PPAL) has a PS Ratio of 1.83 as of Jul. 04, 2026. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Peoples Trust Company Of St. Albans and its competitors. This is 29% below median its historical median of 2.57. Over the past decade, Peoples Trust Company Of St. Albans' PS Ratio has ranged from 1.83 to 5.17.
Is Peoples Trust Company Of St. Albans' PS Ratio too high?
Peoples Trust Company Of St. Albans' current PS Ratio of 1.83 is 29% below median its 10-year median of 2.57. Over the past 10 years, this metric has ranged from a low of 1.83 to a high of 5.17. The Banks industry median PS Ratio is 2.98. Peoples Trust Company Of St. Albans' value of 1.83 is 38.6% 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' PS Ratio compare to PNBI and CDAB?
Peoples Trust Company Of St. Albans' PS Ratio of 1.83 can be compared against companies in the Banks industry. The industry median PS Ratio is 2.98. Peoples Trust Company Of St. Albans' value of 1.83 is 38.6% below this benchmark. Historically, Peoples Trust Company Of St. Albans' own PS Ratio has ranged from 1.83 to 5.17 over the past decade. While the company's 10-year median is 2.57 vs. the industry median of 2.98, 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 PS Ratio for a Banks company?
The median PS Ratio among Banks companies is 2.98, based on 1,517 companies in the industry. Companies in the top quartile (top 25%) have a PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, PS 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 PS Ratio of 1.83 is 38.6% 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 PS Ratio mean?
A high PS Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Peoples Trust Company Of St. Albans and its competitors. For the Banks industry, the median PS Ratio is 2.98 — 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 PS Ratio is 1.83, which is 29% below median its own 10-year median of 2.57. 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 PS Ratio of 1.83. 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 PS Ratio is 1.83, which is 29% below median its 10-year median of 2.57 and 38.6% below the Banks industry median of 2.98. 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 PS Ratio calculated?
PS Ratio is calculated from a company's financial statements. For Peoples Trust Company Of St. Albans (PPAL), the current PS Ratio is 1.83 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:
PS Ratio: 1.83 (29% below median its 10-year median of 2.57)
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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