Peoples Trust Company of St. Albans (PPAL) Fund Overview
Educational signal · not a buy or sell recommendation · How to read this
P/E 7.78 means the share price is 7.78 times one year of earnings per share. Beta 1.13: the stock has moved about 13% more than the S&P 500.
For informational purposes only. Not financial advice. Machine-generated analysis by Stock Expert AI — model gemini-2.5-flash, generated Jun 14, 2026. Editorial oversight is systemic, not page-by-page. Editorially accountable: Sedat ANAK, Founder and Editor-in-Chief. Data sources: Financial Modeling Prep, Yahoo Finance, SEC EDGAR
Quick AnswerPeoples Trust Company of St. Albans (PPAL) trades at $60.10. Peoples Trust Company of St. Albans (PPAL) is a community bank based in northwestern Vermont, established in 1886. Sector: Financials.
Price as of · Last analyzed: Jun 14, 2026Analyst Coverage for PPAL: PPAL does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage.
Peoples Trust Company of St. Albans (PPAL) Financial Services Profile
Peoples Trust Company of St. Albans, founded in 1886, is a community bank serving northwestern Vermont, providing a full range of financial services including deposits, diverse lending solutions, and trust management to individuals, businesses, and municipalities. The institution focuses on relationship-based banking within its local market.
What Is the Investment Thesis for PPAL?
Peoples Trust Company of St. Albans (PPAL) presents a profile rooted in stable, community-centric banking within northwestern Vermont. With a market capitalization of $0.03 billion and a P/E ratio of 7.78, the company demonstrates profitability, evidenced by a 19.4% profit margin and an impressive 83.5% gross margin. The dividend yield of 2.12% indicates a commitment to shareholder returns. Key value drivers include its long-standing presence since 1886, fostering deep local relationships that contribute to stable deposit bases and lending opportunities. Growth catalysts are anticipated through continued expansion of its digital banking services, enhancing customer convenience and potentially attracting a younger demographic, and deepening its specialized trust and investment management offerings. The company's focus on diverse lending solutions for both individuals and businesses, including commercial real estate and construction financing, positions it to capitalize on local economic development. However, investors may want to evaluate its limited scale compared to larger regional banks and its exposure to a concentrated geographic market. The beta of 1.13 suggests slightly higher volatility than the broader market.
Based on FMP financials and quantitative analysis
PPAL Key Highlights
Market capitalization stands at $0.03 billion, reflecting its position as a smaller, localized financial institution.
- The company maintains a P/E ratio of 7.78, indicating its earnings valuation relative to its share price.
- A profit margin of 19.4% demonstrates strong profitability from its operations.
- Achieved an 83.5% gross margin, highlighting efficient revenue generation from its core banking services.
- Offers a dividend yield of 2.12%, providing income to shareholders.
Who Are PPAL's Competitors?
PPAL is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | MoonshotScore |
|---|---|---|---|---|
| USB U.S. Bancorp | $57.51 | +0.26% | $89.6B | — |
| BBD Banco Bradesco S.A. | $3.65 | +3.99% | $38.6B | — |
| SHG Shinhan Financial Group Co., Ltd. | $78.03 | +1.87% | $36.9B | — |
| CIB Grupo Cibest S.A. | $91.91 | +0.91% | $21.8B | — |
| WF Woori Financial Group Inc. | $75.21 | +2.89% | $18.3B | — |
| ZIONP Zions Bancorporation, National Association | $17.68 | -2.31% | $9.80B | — |
| CBC Central Bancompany, Inc. Class A Common Stock | $32.03 | +1.55% | $7.68B | — |
| UBSI United Bankshares, Inc. | $47.04 | +1.38% | $6.48B | — |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are PPAL's Key Strengths?
Long-standing history and deep community ties in northwestern Vermont, fostering strong customer loyalty.
- Comprehensive suite of financial services catering to individuals, businesses, municipalities, and non-profits.
- Strong profitability with a 19.4% profit margin and an 83.5% gross margin.
- Relationship-based banking model, providing personalized service and local decision-making.
What Are PPAL's Weaknesses?
Limited scale and resources compared to larger regional and national banks.
- Concentrated geographic market in northwestern Vermont, exposing it to local economic fluctuations.
- Potential for slower adoption of advanced technological innovations compared to larger, more capitalized competitors.
- Reliance on traditional banking models, which may face disruption from fintech innovations.
What Are the Key Risks for PPAL?
Intense competition from larger regional and national banks with greater resources and broader product offerings.
- Exposure to a concentrated geographic market in northwestern Vermont, making the company susceptible to local economic downturns or demographic shifts.
- Changing regulatory environment for financial services, potentially increasing compliance costs and operational complexities.
- Sensitivity to interest rate fluctuations, which can impact net interest margins and overall profitability.
- Challenges in attracting and retaining talent in a competitive financial services labor market, particularly for specialized roles.
What Are PPAL's Competitive Advantages?
- Deep-rooted local presence and long-standing history since 1886, fostering strong community trust and relationships in northwestern Vermont.
- Personalized, relationship-based banking approach that provides tailored solutions and local decision-making, differentiating it from larger, more impersonal institutions.
- Comprehensive suite of financial services catering to diverse client segments, including specialized trust and investment management, creating client stickiness.
- Understanding of the local economic landscape and specific needs of individuals and businesses in its defined geographic market.
What Does PPAL Do?
Peoples Trust Company of St. Albans, established in 1886, has evolved into a cornerstone financial institution serving a broad spectrum of clients across northwestern Vermont, United States. From its headquarters in Saint Albans, the company provides essential banking services to individuals, municipalities, commercial enterprises, and non-profit entities. Its foundational offerings include a variety of deposit products such such as checking accounts, savings accounts, individual retirement accounts (IRAs), money market accounts, and certificates of deposit (CDs), catering to diverse savings and investment needs. For individuals, the institution extends personal loans, vehicle and recreational vehicle financing, and debt consolidation services, alongside comprehensive mortgage lending solutions. Businesses benefit from specialized financial tools, including general business loans, commercial real estate and construction financing, lines of credit, and equipment and vehicle loans, designed to support local economic growth and operational needs. Beyond traditional banking, Peoples Trust Company of St. Albans integrates modern conveniences such as cards, direct deposit, telephone banking, and overdraft protection. The company also offers specialized trust and investment management services, providing wealth management and fiduciary support. Business customers are further supported with consulting services, ACH origination, merchant deposit capture, and wire services, complemented by practical amenities like safe deposit boxes and check reordering. Recognizing the importance of digital accessibility, the company provides robust online banking, bill pay, electronic document services (eDocs), and mobile/tablet banking, ensuring clients can manage their finances conveniently and securely.
What Products and Services Does PPAL Offer?
- Provide checking, savings, individual retirement accounts (IRAs), money market accounts, and certificates of deposit (CDs).
- Offer personal loans, vehicle and recreational vehicle financing, and debt consolidation for individuals.
- Extend general business loans, commercial real estate and construction financing, lines of credit, and equipment/vehicle loans for businesses.
- Facilitate mortgage lending services for both residential and commercial properties.
- Furnish specialized trust and investment management services.
- Deliver digital banking solutions including online banking, bill pay, eDocs, and mobile/tablet banking.
- Provide additional services like cards, direct deposit, telephone banking, and overdraft protection.
- Support businesses with consulting, ACH origination, merchant deposit capture, and wire services.
How Does PPAL Make Money?
- Generate interest income from a diverse portfolio of loans, including personal, vehicle, business, commercial real estate, and mortgage loans.
- Earn non-interest income through fees for services such as trust and investment management, overdraft protection, and various business services like ACH origination and wire transfers.
- Attract and manage customer deposits (checking, savings, CDs, IRAs) which serve as a primary funding source for lending activities.
- Leverage its local presence and relationship-based banking to maintain a stable customer base and cross-sell financial products.
What Industry Does PPAL Operate In?
Peoples Trust Company of St. Albans operates within the highly regulated and competitive regional banking sector, specifically serving northwestern Vermont. This industry is characterized by a mix of large national banks, mid-sized regional players, and smaller community banks. PPAL's market position is defined by its deep local roots and relationship-based banking model, which often allows community banks to maintain a loyal customer base despite competition from larger institutions offering broader product ranges and extensive branch networks. Current market trends include increasing demand for digital banking services, evolving regulatory landscapes, and fluctuating interest rate environments impacting net interest margins. Community banks like PPAL often differentiate themselves through personalized customer service, local decision-making, and a strong understanding of the specific economic needs of their service area, contrasting with the more standardized approaches of larger banks.
Who Are PPAL's Key Customers?
- Individuals seeking personal banking, lending, and wealth management solutions.
- Municipalities requiring banking services and financial management.
- Commercial enterprises, from small businesses to larger firms, needing business loans, lines of credit, and treasury services.
- Non-profit entities utilizing deposit services, lending, and specialized financial management.
Research confidence
Thin evidence — scoring coverage unknown. Treat this as a starting point, not a conclusion.
- ● Scoring coverage unknown
- ● Price is current
- ● No filing on record
- ● No analyst coverage
- ● This is a fund, not an operating company
Company Profile
Peoples Trust Company of St. Albans operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Saint Albans, US. The company is led by CEO Thomas J. Gallagher. PPAL has traded publicly since 2007.
Key Financial Metrics
Return on equity for Peoples Trust Company of St. Albans stands at 10.3%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.1%, showing how much profit it generates from its asset base. PPAL trades at a trailing price-to-earnings ratio of 7.78, below the Financial Services sector average of ~17.20x. Its free cash flow yield is 11.1%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.06 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 12.9%, the inverse of the P/E and a quick read on earnings relative to price.
PPAL Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Long-standing history and deep community ties in northwestern Vermont, fostering strong customer loyalty.
- Comprehensive suite of financial services catering to individuals, businesses, municipalities, and non-profits.
- Strong profitability with a 19.4% profit margin and an 83.5% gross margin.
- Relationship-based banking model, providing personalized service and local decision-making.
Bear Case
- Limited scale and resources compared to larger regional and national banks.
- Concentrated geographic market in northwestern Vermont, exposing it to local economic fluctuations.
- Potential for slower adoption of advanced technological innovations compared to larger, more capitalized competitors.
- Reliance on traditional banking models, which may face disruption from fintech innovations.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · June 2026
PPAL Latest News
No recent news available for PPAL.
PPAL Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations collected by Financial Modeling Prep for PPAL.
Price Targets
Wall Street price target analysis for PPAL.
PPAL MoonshotScore
MoonshotScore is Stock Expert AI's proprietary 0-100 research rating, not a buy or sell recommendation. No MoonshotScore is published for PPAL; grades run from A+ (80-100) to F (below 30).
Leadership: Thomas J. Gallagher
CEO
Specific career history, education, and previous roles for Thomas J. As CEO of a community bank, typical backgrounds often include extensive experience in banking operations, lending, financial management, and a strong understanding of local market dynamics, often progressing through various leadership roles within the financial services sector.
Track Record: Unknown. Key achievements, strategic decisions, and company milestones specifically under Thomas J. Gallagher's leadership are not detailed in the provided information. Generally, a CEO in this role would be responsible for guiding the bank's strategic direction, ensuring regulatory compliance, fostering community relationships, and driving financial performance and growth.
PPAL OTC Market Information
Peoples Trust Company of St. Albans (PPAL) trades on the OTC (Over-The-Counter) market, specifically classified as 'OTC Other'. This tier typically includes companies that do not meet the listing requirements for OTCQX or OTCQB, or choose not to provide sufficient disclosure for those tiers. Unlike stocks listed on major exchanges like NYSE or NASDAQ, which have stringent listing standards regarding financial health, corporate governance, and minimum share prices, OTC Other companies have fewer regulatory requirements. This can result in less publicly available information and potentially higher investment risk compared to exchange-listed securities.
- OTC Tier: OTC Other
- Lower liquidity and wider bid-ask spreads, making it difficult to buy or sell shares efficiently.
- Limited public disclosure and transparency due to less stringent reporting requirements compared to major exchanges.
- Higher potential for price volatility due to lower trading volumes and fewer institutional investors.
- Increased difficulty in obtaining reliable, real-time market data and analyst coverage.
- Potential for less robust corporate governance and oversight compared to exchange-listed companies.
- Verify the company's latest financial statements directly from the company or regulatory filings.
- Research the company's management team and board of directors for experience and track record.
- Assess the company's business model, competitive landscape, and growth prospects in detail.
- Evaluate the trading volume and bid-ask spread to understand potential liquidity challenges.
- Investigate any regulatory actions or compliance issues related to the company.
- Understand the specific risks associated with the 'OTC Other' tier and its implications for investment.
- Long operating history since 1886, indicating established presence and resilience.
- Clear business description as a community bank providing traditional financial services.
- Identified CEO, Thomas J. Gallagher, providing a known leadership figure.
- Specific geographic focus in northwestern Vermont, suggesting a tangible operational footprint.
Peoples Trust Company of St. Albans Financials Stock: Key Questions Answered
How does Peoples Trust Company of St. Albans generate revenue?
Peoples Trust Company of St. Albans primarily generates revenue through two main streams: net interest income and non-interest income.
What are the primary growth strategies for Peoples Trust Company of St. Albans?
Peoples Trust Company of St. Albans's growth strategies are centered on leveraging its community bank model and adapting to modern financial needs.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
MoonshotScore is not published for this security.
Data provided for informational purposes only.
- Information regarding CEO's background and track record is 'Unknown' due to lack of specific data in the source.
- Specific details on credit quality, risk management metrics, and analyst consensus are not available in the provided source data.