PPAL (Peoples Trust Company Of St. Albans) ROE %: 10.34% (As of Dec. 2025) — 63% Above Median


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 ROE %?

Peoples Trust Company Of St. Albans PPAL 61 ROE % is 10.34% as of Dec. 2025, which is 63% above its 10-year median of 6.34. 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.

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. 2025 was $4.14 Mil. Peoples Trust Company Of St. Albans's average Total Stockholders Equity over the quarter that ended in Dec. 2025 was $40.08 Mil. Therefore, Peoples Trust Company Of St. Albans's annualized ROE % for the quarter that ended in Dec. 2025 was 10.34%.

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: 6.34   Max: 10.34
Current: 10.34

During the past 8 years, Peoples Trust Company Of St. Albans's highest ROE % was 10.34%. The lowest was 5.64%. And the median was 6.34%.

PPAL's ROE % is not ranked
in the Banks industry.
Industry Median: 10.22 vs PPAL: 10.34

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. 2025 )
=Net Income/Total Stockholders Equity
=4.144/40.083
=(Net Income / Revenue )*(Revenue / Total Assets)*(Total Assets / Total Stockholders Equity)
=(4.144 / 17.646)*(17.646 / 376.8395)*(376.8395 / 40.083)
=Net Margin %*Asset Turnover*Equity Multiplier
=23.48 %*0.0468*9.4015
=ROA %*Equity Multiplier
=1.1 %*9.4015
=10.34 %

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. 2025 )
=Net Income/Total Stockholders Equity
=4.144/40.083
=(Net Income / Pre-Tax Income) * (Pre-Tax Income / Revenue) * (Revenue / Total Assets) * (Total Assets / Total Stockholders Equity)
= (4.144 / 4.717) * (4.717 / 17.646) * (17.646 / 376.8395) * (376.8395 / 40.083)
= Tax Burden * Pretax Margin % * Asset Turnover * Equity Multiplier
= 0.8785 * 26.73 % * 0.0468 * 9.4015
=10.34 %

Note: The net income data used here is one times the annual (Dec. 2025) net income data. The Revenue data used here is one times the annual (Dec. 2025) 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.

* 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.

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

Peoples Trust Company Of St. Albans ROE % Historical Data

* Premium members only.

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.

Peoples Trust Company Of St. Albans ROE % Chart

Peoples Trust Company Of St. Albans Annual Data
Trend Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE %
Get a 7-Day Free Trial 6.27 5.98 8.46 9.89 10.34

Peoples Trust Company Of St. Albans Semi-Annual Data
Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Get a 7-Day Free Trial 6.27 5.98 8.46 9.89 10.34

PPAL vs PNBI, CDAB, PWBK: ROE % Comparison

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 ROE % vs 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.


PPAL
61GF Score
Peoples Trust Company Of St. Albans PPAL
ROE % is just one metric. See GF Score™, valuation, warning signs, and more.
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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. 2025 is calculated as

ROE %=Net Income (A: Dec. 2025 )/( (Total Stockholders Equity (A: Dec. 2024 )+Total Stockholders Equity (A: Dec. 2025 ))/ count )
=4.144/( (37.83+42.336)/ 2 )
=4.144/40.083
=10.34 %

Peoples Trust Company Of St. Albans's annualized ROE % for the quarter that ended in Dec. 2025 is calculated as

ROE %=Net Income (Q: Dec. 2025 )/( (Total Stockholders Equity (Q: Dec. 2024 )+Total Stockholders Equity (Q: Dec. 2025 ))/ count )
=4.144/( (37.83+42.336)/ 2 )
=4.144/40.083
=10.34 %

* 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 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. 2025) net income data. ROE % is displayed in the 30-year financial page.

Frequently Asked Questions Learn more about ROE % →
What does a ROE % of 10.34% mean?
Peoples Trust Company Of St. Albans (PPAL) has a ROE % of 10.34% as of Dec. 2025. Return on equity is the ratio of current-period net income to average two-period total 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' ROE % has ranged from 5.64 to 10.34.
Is Peoples Trust Company Of St. Albans' ROE % too high?
Peoples Trust Company Of St. Albans' current ROE % 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 ROE % is 10.22. Peoples Trust Company Of St. Albans' value of 10.34% is 1.2% above 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' ROE % compare to PNBI and CDAB?
Peoples Trust Company Of St. Albans' ROE % of 10.34% can be compared against companies in the Banks industry. The industry median ROE % is 10.22. Peoples Trust Company Of St. Albans' value of 10.34% is 1.2% above this benchmark. Historically, Peoples Trust Company Of St. Albans' own ROE % 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 10.22, Peoples Trust Company Of St. Albans has consistently been above 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.22, based on 1,525 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % 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 ROE % of 10.34% is 1.2% above 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Peoples Trust Company Of St. Albans and its competitors. For the Banks industry, the median ROE % is 10.22 — 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 ROE % 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 ROE % 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 ROE % is 10.34%, which is 63% above median its 10-year median of 6.34 and 1.2% above the Banks industry median of 10.22. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For Peoples Trust Company Of St. Albans (PPAL), the current ROE % 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:

  • ROE %: 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)
  • GF Score™: 61/100 with 1 warning sign
  • Industry Position: 1.2% above the Banks median

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

Get the complete analysis for PPAL

ROE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$60.10
Price
$83.44
GF Value