PPAL Stock Overview

Provides various financial services to individuals, municipalities, commercial, and non-profit customers in northwestern Vermont, the United States. More details

PPAL fundamental analysis
Snowflake Score
Valuation	3/6
Future Growth	0/6
Past Performance	5/6
Financial Health	6/6
Dividends	2/6

Rewards

Trading at 13.2% below our estimate of its fair value

Earnings grew by 37.1% over the past year

Risk Analysis

Shares are highly illiquid

Does not have a meaningful market cap ($34M)

Latest financial reports are more than 6 months old

My Notes

Capture your thoughts, links and company narrative

Peoples Trust Company of St. Albans Competitors

Coeur d'Alene Bancorp

OTCPK:CDAB

US$35.6m

Susquehanna Community Financial

OTCPK:SQCF

US$35.1m

JSB Financial

OTCPK:JFWV

US$32.2m

Northumberland Bancorp

OTCPK:NUBC

US$34.0m

Price History & Performance

Summary of share price highs, lows and changes for Peoples Trust Company of St. Albans
Historical stock prices
Current Share Price	US$62.00
52 Week High	US$62.00
52 Week Low	US$60.50
Beta	0.38
1 Month Change	0%
3 Month Change	n/a
1 Year Change	n/a
3 Year Change	5.89%
5 Year Change	12.22%
Change since IPO	51.22%

Recent News & Updates

No updates

Recent updates

No updates

Shareholder Returns

	PPAL	US Banks	US Market
7D	0%	1.4%	-0.5%
1Y	n/a	42.2%	24.3%

Return vs Industry: Insufficient data to determine how PPAL performed against the US Banks industry.

Return vs Market: Insufficient data to determine how PPAL performed against the US Market.

Price Volatility

Is PPAL's price volatile compared to industry and market?
PPAL volatility
PPAL Average Weekly Movement	n/a
Banks Industry Average Movement	5.1%
Market Average Movement	6.5%
10% most volatile stocks in US Market	18.8%
10% least volatile stocks in US Market	3.3%

Stable Share Price: PPAL's share price has been volatile over the past 3 months compared to the US market.

Volatility Over Time: Insufficient data to determine PPAL's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1886	n/a	Tom Gallagher	www.ptcvt.com

Peoples Trust Company of St. Albans provides various financial services to individuals, municipalities, commercial, and non-profit customers in northwestern Vermont, the United States. The company accepts checking, savings, individual retirement, and money market accounts, as well as certificates of deposit. It also offers personal loans, loans to purchase auto and recreational vehicles, and debt consolidation services; business loans, commercial real estate loans, construction loans, commercial lending, business lines of credit, and business equipment and vehicle loans; and mortgage loans.

Peoples Trust Company of St. Albans Fundamentals Summary

How do Peoples Trust Company of St. Albans's earnings and revenue compare to its market cap?
PPAL fundamental statistics
Market cap	US$33.83m
Earnings (TTM)	US$2.84m
Revenue (TTM)	US$15.56m

11.9x

P/E Ratio

1.0x

P/B Ratio

Is PPAL overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
PPAL income statement (TTM)
Revenue	US$15.56m
Cost of Revenue	US$0
Gross Profit	US$15.56m
Other Expenses	US$12.71m
Earnings	US$2.84m

Last Reported Earnings

Dec 31, 2023

Next Earnings Date

n/a

Earnings per share (EPS)	5.21
Gross Margin	100.00%
Net Profit Margin	18.27%
Debt/Equity Ratio	9.2%

How did PPAL perform over the long term?

See historical performance and comparison

Dividends

1.9%

Current Dividend Yield

20%

Payout Ratio

Does PPAL pay a reliable dividends?

See PPAL dividend history and benchmarks

When do you need to buy PPAL by to receive an upcoming dividend?
Peoples Trust Company of St. Albans dividend dates
Ex Dividend Date	Dec 13 2024
Dividend Pay Date	Jan 02 2025
Days until Ex dividend	50 days
Days until Dividend pay date	30 days

Does PPAL pay a reliable dividends?

See PPAL dividend history and benchmarks

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/11/23 23:38
End of Day Share Price	2024/08/26 00:00
Earnings	2023/12/31
Annual Earnings	2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Peoples Trust Company of St. Albans is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution