PPAL (Peoples Trust Company Of St. Albans) Retained Earnings: $35.98 Mil (As of Dec. 2025)


PPAL Peoples Trust Company Of St. Albans PPAL
61 GF Score
Price $60.10
GF Value $83.44
! 1 Warning Sign
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What is Peoples Trust Company Of St. Albans Retained Earnings?

Peoples Trust Company Of St. Albans PPAL 61 Retained Earnings is $35.98 Mil as of Dec. 2025. GuruFocus rates PPAL with a GF Score™ of 61/100 and a GF Value™ of $83.44. The stock has 1 warning sign investors should review.

Retained earnings is the accumulated portion of net income that is not distributed to shareholders. Peoples Trust Company Of St. Albans's retained earnings for the quarter that ended in Dec. 2025 was $35.98 Mil.

Peoples Trust Company Of St. Albans's quarterly retained earnings increased from Dec. 2023 ($30.32 Mil) to Dec. 2024 ($33.13 Mil) and increased from Dec. 2024 ($33.13 Mil) to Dec. 2025 ($35.98 Mil).

Peoples Trust Company Of St. Albans's annual retained earnings increased from Dec. 2023 ($30.32 Mil) to Dec. 2024 ($33.13 Mil) and increased from Dec. 2024 ($33.13 Mil) to Dec. 2025 ($35.98 Mil).

Peoples Trust Company Of St. Albans  (OTCPK:PPAL) Retained Earnings Explanation

Historically profitable companies sometimes have negative retained earnings. This is because they have cumulatively paid out more to shareholders than they reported in profits.

For example, in 2011, Microsoft had negative retained earnings. This does not mean the company lost more money than it made over the years. It just means it paid out more money than it earned.

If a company has negative retained earnings, investors should check the 10-year financial results. They should not assume that negative retained earnings prove a company has generally lost money in the past.

Of course, many companies with negative retained earnings have indeed lost money in the past.

Retained Earnings: Warren Buffett's Secret.

One of the most important indicators of durable competitive advantage. Net earnings can be paid out as dividends, used to buy back shares or retained for growth.

If the company loses more than it has accumulated, retained earnings is negative.

If a company isn't adding to its retained earnings, it isn't growing its net worth.

Rate of growth of retained earnings is good indicator whether it's benefiting from a competitive advantage.

Microsoft is negative because it chose to buyback stock and pay dividends.

The more earnings retained, the faster it grows and increases growth rate for future earnings.

Peoples Trust Company Of St. Albans Retained Earnings Historical Data

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The historical data trend for Peoples Trust Company Of St. Albans's Retained Earnings can be seen below:

* 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 Retained Earnings Chart

Peoples Trust Company Of St. Albans Annual Data
Trend Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Retained Earnings
Get a 7-Day Free Trial 28.06 28.58 30.32 33.13 35.98

Peoples Trust Company Of St. Albans Semi-Annual Data
Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Retained Earnings Get a 7-Day Free Trial 28.06 28.58 30.32 33.13 35.98
PPAL
61GF Score
Peoples Trust Company Of St. Albans PPAL
Retained Earnings is just one metric. See GF Score™, valuation, warning signs, and more.
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Peoples Trust Company Of St. Albans Retained Earnings Calculation

Retained Earnings is the accumulated portion of net income that is not distributed to shareholders. Because the net income was not distributed to shareholders, shareholders' equity is increased by the same amount.

Of course, if a company loses, it is called retained losses, or accumulated losses.

Frequently Asked Questions Learn more about Retained Earnings →
What does a Retained Earnings of $35.98 Mil mean?
Peoples Trust Company Of St. Albans (PPAL) has a Retained Earnings of $35.98 Mil as of Dec. 2025. Retained earnings is the amount of net income not issued to shareholders. View historical data on Peoples Trust Company Of St. Albans and its competitors.
Is Peoples Trust Company Of St. Albans' Retained Earnings too high?
Peoples Trust Company Of St. Albans' current Retained Earnings is $35.98 Mil. 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' Retained Earnings compare to PNBI and CDAB?
Peoples Trust Company Of St. Albans' Retained Earnings of $35.98 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Retained Earnings for a Banks company?
A good Retained Earnings depends on the Banks industry context. However, Retained Earnings should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Retained Earnings mean?
A high Retained Earnings can signal that a stock is expensive relative to its fundamentals. Retained earnings is the amount of net income not issued to shareholders. View historical data on Peoples Trust Company Of St. Albans and its competitors. Peoples Trust Company Of St. Albans's current Retained Earnings is $35.98 Mil. 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 Retained Earnings of $35.98 Mil. 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 Retained Earnings is $35.98 Mil. 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 Retained Earnings calculated?
Retained Earnings is calculated from a company's financial statements. For Peoples Trust Company Of St. Albans (PPAL), the current Retained Earnings is $35.98 Mil 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:

  • Retained Earnings: $35.98 Mil
  • GF Value™: $83.44 vs. price of $60.10 (28% below fair value)
  • GF Score™: 61/100 with 1 warning sign

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

Address 25 Kingman Street, P.O. Box 320, Saint Albans, VT, USA, 05478
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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Retained Earnings is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$60.10
Price
$83.44
GF Value