PPAL (Peoples Trust Company Of St. Albans) ROE % : 8.46% (As of Dec. 2023)

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What is Peoples Trust Company Of St. Albans ROE %?

ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. Peoples Trust Company Of St. Albans's annualized net income for the quarter that ended in Dec. 2023 was $2.84 Mil. Peoples Trust Company Of St. Albans's average Total Stockholders Equity over the quarter that ended in Dec. 2023 was $33.57 Mil. Therefore, Peoples Trust Company Of St. Albans's annualized ROE % for the quarter that ended in Dec. 2023 was 8.46%.

The historical rank and industry rank for Peoples Trust Company Of St. Albans's ROE % or its related term are showing as below:

PPAL' s ROE % Range Over the Past 10 Years
Min: 5.64 Med: 6.23 Max: 8.46
Current: 8.46

During the past 6 years, Peoples Trust Company Of St. Albans's highest ROE % was 8.46%. The lowest was 5.64%. And the median was 6.23%.

PPAL's ROE % is not ranked
in the Banks industry.
Industry Median: 9.54 vs PPAL: 8.46

Peoples Trust Company Of St. Albans ROE % Historical Data

The historical data trend for Peoples Trust Company Of St. Albans's ROE % 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.

* Premium members only.

Peoples Trust Company Of St. Albans ROE % Chart

Peoples Trust Company Of St. Albans Annual Data

Trend

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

ROE %

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6.41

6.18

6.27

5.98

8.46

Peoples Trust Company Of St. Albans Semi-Annual Data
	Dec18	Dec19	Dec20	Dec21	Dec22	Dec23
ROE %	Get a 7-Day Free Trial			6.41	6.18	6.27	5.98	8.46

Competitive Comparison of Peoples Trust Company Of St. Albans's ROE %

For the Banks - Regional subindustry, Peoples Trust Company Of St. Albans's ROE %, along with its competitors' market caps and ROE % 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's ROE % Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Peoples Trust Company Of St. Albans's ROE % distribution charts can be found below:

* The bar in red indicates where Peoples Trust Company Of St. Albans's ROE % falls into.

Peoples Trust Company Of St. Albans ROE % Calculation

Peoples Trust Company Of St. Albans's annualized ROE % for the fiscal year that ended in Dec. 2023 is calculated as

ROE %	=	Net Income (A: Dec. 2023 )	/	( (Total Stockholders Equity (A: Dec. 2022 )	+	Total Stockholders Equity (A: Dec. 2023 ))	/ count )
	=	2.841	/	( (31.831	+	35.301)	/ 2 )
	=	2.841	/	33.566
	=	8.46 %

Peoples Trust Company Of St. Albans's annualized ROE % for the quarter that ended in Dec. 2023 is calculated as

ROE %	=	Net Income (Q: Dec. 2023 )	/	( (Total Stockholders Equity (Q: Dec. 2022 )	+	Total Stockholders Equity (Q: Dec. 2023 ))	/ count )
	=	2.841	/	( (31.831	+	35.301)	/ 2 )
	=	2.841	/	33.566
	=	8.46 %

In the calculation of annual ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data, the net income data used here is one times the annual (Dec. 2023) net income data. ROE % is displayed in the 30-year financial page.

Peoples Trust Company Of St. Albans (OTCPK:PPAL) ROE % Explanation

ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.

The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:

	ROE %		(Q: Dec. 2023 )
=	Net Income	/	Total Stockholders Equity
=	2.841	/	33.566
=	(Net Income / Revenue )	*	(Revenue / Total Assets)	*	(Total Assets / Total Stockholders Equity)
=	(2.841 / 15.767)	*	(15.767 / 363.2475)	*	(363.2475 / 33.566)
=	Net Margin %	*	Asset Turnover	*	Equity Multiplier
=	18.02 %	*	0.0434	*	10.8219
=	ROA %	*	Equity Multiplier
=	0.78 %	*	10.8219
=	8.46 %

With this breakdown, it is clear that if a company grows its Net Profit Margin, its Asset Turnover, or its Leverage, it can grow its ROE %.

The factors that affect a company's ROE % can also be illustrated with the five-step DuPont Analysis:

	ROE %		(Q: Dec. 2023 )
=	Net Income	/	Total Stockholders Equity
=	2.841	/	33.566
=	(Net Income / Pre-Tax Income)	*	(Pre-Tax Income / Revenue)	*	(Revenue / Total Assets)	*	(Total Assets / Total Stockholders Equity)
=	(2.841 / 3.276)	*	(3.276 / 15.767)	*	(15.767 / 363.2475)	*	(363.2475 / 33.566)
=	Tax Burden	*	Pretax Margin %	*	Asset Turnover	*	Equity Multiplier
=	0.8672	*	20.78 %	*	0.0434	*	10.8219
=	8.46 %

Note: The net income data used here is one times the annual (Dec. 2023) net income data. The Revenue data used here is one times the annual (Dec. 2023) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
^* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.

Be Aware

Net Income is used.

Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % 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 ROE %s can be extremely high.

Peoples Trust Company Of St. Albans ROE % Related Terms

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Peoples Trust Company Of St. Albans Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Peoples Trust Company Of St. Albans (OTCPK:PPAL) » Definitions » ROE %

Comparable Companies

Traded in Other Exchanges

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Address

25 Kingman Street, Saint Albans, VT, USA, 05478

Website

https://www.ptcvt.com

Peoples Trust Company Of St. Albans is a banking company. The Bank provides financial services to individuals, municipalities, commercial, and non-profit customers through its branches in northwestern Vermont. The services provided by the bank are checking and savings accounts, online access, personal banking, business banking, community banking, and certificates of deposit. The lending products of the bank are commercial, real estate, agricultural, agricultural real estate, equity, municipal, and consumer loans.