OTCPK:PPAL

Stock Analysis Report

Executive Summary

Peoples Trust Company provides various financial services to individuals, municipalities, and commercial and non-profit customers in northwestern Vermont, the United States.

Snowflake

Fundamentals

Flawless balance sheet with limited growth.

Risks

  • Peoples Trust's last earnings update was 194 days ago.
  • Peoples Trust is not covered by any analysts.

Share Price & News

How has Peoples Trust's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

0%

OTCPK:PPAL

2.4%

US Banks

2.9%

US Market


1 Year Return

n/a

OTCPK:PPAL

-14.8%

US Banks

0.2%

US Market

No trading data on PPAL.

No trading data on PPAL.


Share holder returns

PPALIndustryMarket
7 Day0%2.4%2.9%
30 Day0%-6.3%-2.3%
90 Dayn/a-2.1%3.1%
1 Yearn/a-12.4%-14.8%2.4%0.2%
3 Year60.0%52.8%41.7%32.0%41.7%32.4%
5 Year94.6%78.9%52.2%35.7%55.1%37.9%

Price Volatility Vs. Market

How volatile is Peoples Trust's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Peoples Trust undervalued based on future cash flows and its price relative to the stock market?

17.72x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

Peoples Trust's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).

Peoples Trust's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).


Price Based on Earnings

Peoples Trust is overvalued based on earnings compared to the US Banks industry average.

Peoples Trust is overvalued based on earnings compared to the United States of America market.


Price Based on Expected Growth

Unable to calculate PEG ratio for Peoples Trust, we can't assess if its growth is good value.


Price Based on Value of Assets

Peoples Trust is good value based on assets compared to the US Banks industry average.


Next Steps

Future Growth

How is Peoples Trust expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

17.2%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Unable to determine if Peoples Trust is high growth as no revenue estimate data is available.

Peoples Trust's earnings are expected to grow by 17.2% yearly, however this is not considered high growth (20% yearly).

Unable to compare Peoples Trust's revenue growth to the United States of America market average as no estimate data is available.

Peoples Trust's earnings growth is expected to exceed the United States of America market average.

Peoples Trust's earnings growth is expected to exceed the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

Unable to establish if Peoples Trust will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

How has Peoples Trust performed over the past 5 years?

28.8%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Peoples Trust has delivered over 20% year on year earnings growth in the past 5 years.

Peoples Trust's 1-year earnings growth is less than its 5-year average (25.2% vs 28.8%)

Peoples Trust's earnings growth has not exceeded the US Banks industry average in the past year (25.2% vs 33.2%).


Return on Equity

Peoples Trust has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

Peoples Trust used its assets less efficiently than the US Banks industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if Peoples Trust improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


Next Steps

Financial Health

How is Peoples Trust's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet

Information is not available.

Information is not available.


Financial Institutions Analysis

Peoples Trust has an acceptable proportion of non-loan assets held.

Peoples Trust has a sufficient allowance for bad loans.

Peoples Trust's liabilities are made up of primarily low risk sources of funding.

Peoples Trust's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).

Loans at Peoples Trust are broadly funded by customer deposits.

Peoples Trust has an acceptable level of bad loans (less than 2%).


Next Steps

Dividend

What is Peoples Trust's current dividend yield, its reliability and sustainability?


Dividend Yield and Payments Analysis

Unable to evaluate Peoples Trust's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.

Unable to evaluate Peoples Trust's dividend against the top 25% market benchmark as the company has not reported any payouts.

Unable to perform a dividend volatility check as Peoples Trust has not reported any payouts.

Unable to verify if Peoples Trust's dividend has been increasing as the company has not reported any payouts.


Current Payout to Shareholders

Unable to calculate sustainability of dividends as Peoples Trust has not reported any payouts.


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

What is the CEO of Peoples Trust's salary, the management and board of directors tenure and is there insider trading?

13.1yrs

Average board tenure


CEO

Tom Gallagher (41yo)

0.0yrs

Tenure

0

Mr. Thomas J. Gallagher, also known as Tom, serves as Chief Executive Officer and President of Peoples Trust Company and has been its Director since 2011. 


Board Age and Tenure

13.1yrs

Average Tenure

63yo

Average Age

The average tenure for the Peoples Trust board of directors is over 10 years, this suggests they are a seasoned and experienced board.


Insider Trading

No 3 month open market individual insider trading information.


Ownership Breakdown


Management Team

  • Linda LeBlanc (64yo)

    Senior EVP

    • Tenure: 14.6yrs
  • Tom Gallagher (41yo)

    President

    • Tenure: 0.0yrs
  • Aaron Reynolds

    Senior EVP & CFO

    • Tenure: 0.0yrs
  • Angela Poirier

    Senior VP & Chief Loan Specialist

    • Tenure: 0.0yrs
  • Carol Spillane

    Senior Vice President

    • Tenure: 0.0yrs
  • Lloyd Larrow

    Senior Vice President

    • Tenure: 0.0yrs
  • Maureen Toof

    Senior Vice President

    • Tenure: 0.0yrs
  • Michael Elmore

    Senior VP & Chief Information Officer

    • Tenure: 0.0yrs
  • Stacey Cauller

    Senior Vice President

    • Tenure: 0.0yrs
  • Anne Gosselin

    Senior Vice President

    • Tenure: 0.0yrs

Board Members

  • Leon Berthiaume (61yo)

    Director

    • Tenure: 11.6yrs
  • Frank Cioffi (64yo)

    Director

    • Tenure: 10.6yrs
  • John Gallagher (67yo)

    Director

    • Tenure: 28.6yrs
  • Linda LeBlanc (64yo)

    Senior EVP

    • Tenure: 14.6yrs
  • Robert Cioffi (88yo)

    Chairman of the Board

    • Tenure: 29.6yrs
  • Donald Poirier (82yo)

    Secretary & Director

    • Tenure: 23.6yrs
  • Mark Lareau (61yo)

    Director

    • Tenure: 18.6yrs
  • Tom Gallagher (41yo)

    President

    • Tenure: 0.0yrs
  • John Casavant (53yo)

    Director

    • Tenure: 3.6yrs
  • David Handy (62yo)

    Director

    • Tenure: 3.6yrs

Company Information

Peoples Trust Company's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Peoples Trust Company
  • Ticker: PPAL
  • Exchange: OTCPK
  • Founded: 1886
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$32.885m
  • Shares outstanding: 597.91k
  • Website: https://www.ptcvt.com

Location

  • Peoples Trust Company
  • 25 Kingman Street
  • St. Albans
  • Vermont
  • 5478
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
PPALOTCPK (Pink Sheets LLC)YesCommon StockUSUSDFeb 2004

Biography

Peoples Trust Company provides various financial services to individuals, municipalities, and commercial and non-profit customers in northwestern Vermont, the United States. The company accepts checking, s ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/21 23:51
End of Day Share Price2019/07/01 00:00
Earnings2018/12/31
Annual Earnings2018/12/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.