The historical rank and industry rank for Peoples Trust Company Of St. Albans's Return-on-Tangible-Equity or its related term are showing as below:
PPAL'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 5.64 Med: 6.34 Max: 10.34
Current: 10.34
During the past 8 years, Peoples Trust Company Of St. Albans's highest Return-on-Tangible-Equity was 10.34%. The lowest was 5.64%. And the median was 6.34%.
PPAL's Return-on-Tangible-Equity is not ranked
in the Banks industry.
Industry Median: 11.2
vs PPAL: 10.34
Peoples Trust Company Of St. Albans (OTCPK:PPAL) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Peoples Trust Company Of St. Albans Return-on-Tangible-Equity Related Terms
Peoples Trust Company Of St. Albans Return-on-Tangible-Equity 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 Return-on-Tangible-Equity Chart
PPAL vs PNBI, CDAB, PWBK: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Peoples Trust Company Of St. Albans's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Peoples Trust Company Of St. Albans's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Peoples Trust Company Of St. Albans's Return-on-Tangible-Equity 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is one times the annual (Dec. 2025) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 10.34% mean?
Peoples Trust Company Of St. Albans (PPAL) has a Return-on-Tangible-Equity of 10.34% as of Dec. 2025. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Peoples Trust Company Of St. Albans and its competitors. This is 63% above median its historical median of 6.34. Over the past decade, Peoples Trust Company Of St. Albans' Return-on-Tangible-Equity has ranged from 5.64 to 10.34.
Is Peoples Trust Company Of St. Albans' Return-on-Tangible-Equity too high?
Peoples Trust Company Of St. Albans' current Return-on-Tangible-Equity of 10.34% is 63% above median its 10-year median of 6.34. Over the past 10 years, this metric has ranged from a low of 5.64 to a high of 10.34. The Banks industry median Return-on-Tangible-Equity is 11.20. Peoples Trust Company Of St. Albans' value of 10.34% is 7.7% 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' Return-on-Tangible-Equity compare to PNBI and CDAB?
Peoples Trust Company Of St. Albans' Return-on-Tangible-Equity of 10.34% can be compared against companies in the Banks industry. The industry median Return-on-Tangible-Equity is 11.20. Peoples Trust Company Of St. Albans' value of 10.34% is 7.7% below this benchmark. Historically, Peoples Trust Company Of St. Albans' own Return-on-Tangible-Equity has ranged from 5.64 to 10.34 over the past decade. While the company's 10-year median is 6.34 vs. the industry median of 11.20, 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 Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.20, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity 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 Return-on-Tangible-Equity of 10.34% is 7.7% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Peoples Trust Company Of St. Albans and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.20 — 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 Return-on-Tangible-Equity is 10.34%, which is 63% above median its own 10-year median of 6.34. 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 Return-on-Tangible-Equity of 10.34%. 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 Return-on-Tangible-Equity is 10.34%, which is 63% above median its 10-year median of 6.34 and 7.7% below the Banks industry median of 11.20. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Peoples Trust Company Of St. Albans (PPAL), the current Return-on-Tangible-Equity is 10.34% 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:
Return-on-Tangible-Equity: 10.34% (63% above median its 10-year median of 6.34)
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
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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