Peoples Trust Company of St. Albans
Peoples Trust Company of St. Albans
Your view on PPAL
Overview
What the company does, where it operates, and who runs it.
About Peoples Trust Company of St. Albans
- Industry
- Banks - Regional
- Sector
- Financial Services
- CEO
- Thomas J. Gallagher
- Headquarters
- 25 Kingman Street, Saint Albans, VT, US
- Industry
- Banks - Regional
- Sector
- Financial Services
- CEO
- Thomas J. Gallagher
- Headquarters
- 25 Kingman Street, Saint Albans, VT, US
Peoples Trust Company of St. Albans serves a diverse clientele, including individuals, municipalities, commercial enterprises, and non-profit entities, by providing a broad spectrum of financial services across northwestern Vermont, United States. Its deposit options include checking, savings, individual retirement accounts, money market accounts, and certificates of deposit. The institution extends various lending solutions, such as personal loans, vehicle and recreational vehicle financing, and debt consolidation for individuals. For businesses, offerings comprise general business loans, commercial real estate and construction financing, lines of credit, and equipment and vehicle loans. Mortgage lending is also a core service. Beyond traditional banking, the company furnishes additional conveniences like cards, direct deposit, telephone banking, overdraft protection, as well as specialized trust and investment management. Business customers can utilize consulting, ACH origination, merchant deposit capture, and wire services, alongside essentials like safe deposit boxes and check reordering. Digital access is comprehensive, featuring online banking, bill pay, electronic document services (eDocs), and mobile/tablet banking. Founded in 1886, this Vermont-based company operates from its Saint Albans headquarters.
Media
Infographics, videos, and posts covering the company.
Stock Data
Price chart, volume, and trading data.
Fair Value
What FRC thinks it is worth vs. the current price.
FRC's fair value estimate for Peoples Trust Company of St. Albans, and the rating behind it. PPAL last traded at $60.10, 7.8× trailing earnings — the estimate is read against that market price. FRC analysts run the firm's valuation model across the companies on this platform to estimate what each one is worth, rather than republishing a consensus average. Shows the current estimate, our rating, and when it was last revised. A free account covers 7 company valuations a month; a paid subscription is unlimited.
Financial Ratios
Profitability, returns, valuation, and leverage ratios.
Valuation, profitability, liquidity and leverage ratios for Peoples Trust Company of St. Albans. Starting points for Peoples Trust Company of St. Albans: P/E 7.8, EPS $7.72, beta 1.24 — an Banks - Regional name. P/E, P/B, EV/EBITDA, margins, return on equity, current ratio and debt coverage, each shown against the company's own history.
Dividend Analysis
Yield, payout ratio, and dividend coverage metrics.
Dividend history, yield and payout sustainability for Peoples Trust Company of St. Albans. Peoples Trust Company of St. Albans does not currently pay a regular dividend, so this section tracks capacity rather than history. Per-share payments, yield over time, payout ratio and growth streak, with coverage measured against free cash flow.
Earnings Analysis
EPS history, beat rate, and upcoming earnings reports.
Reported vs. expected earnings history for Peoples Trust Company of St. Albans. Trailing twelve-month EPS for Peoples Trust Company of St. Albans stands at $7.72. EPS surprises by quarter, revenue against estimates, and the upcoming reporting date.
Financial Statements
Income statement, balance sheet, and cash flow statements.
Income statement, balance sheet and cash flow history for Peoples Trust Company of St. Albans. Peoples Trust Company of St. Albans has reported as a listed company since 2007. Annual and quarterly filings with period-over-period comparison, so you can trace how revenue, margins and cash generation have moved.
Comparables
List of peer companies in the same industry.
Peoples Trust Company of St. Albans valued side by side against its closest peers. Peoples Trust Company of St. Albans is measured against Banks - Regional peers within the Financial Services sector. Peer-relative multiples and operating metrics, so the valuation is read in the context of its own sector rather than in isolation.
Institutional Ownership
PremiumWhich funds and firms own the stock.
Which institutions hold Peoples Trust Company of St. Albans, and how their positions are changing. Top holders, position sizes, and quarter-over-quarter accumulation or distribution from regulatory filings. Included with FRC Premium.
Insider Trading
PremiumRecent buying and selling by company executives.
Buying and selling by Peoples Trust Company of St. Albans executives and directors. Shares of Peoples Trust Company of St. Albans have traded between $59.50 and $60.10 over the past 52 weeks — context for the timing of the transactions below. Insider transactions as disclosed to regulators, with role, size and date — the clearest read on how the people running the company are positioned. Included with FRC Premium.
Senate Trading
PremiumU.S. Senator disclosures filed under the STOCK Act.
U.S. Senate disclosures naming Peoples Trust Company of St. Albans. Senators' reported transactions in this security, alongside the fundamentals — a signal most research platforms leave out entirely. Included with FRC Premium.
House Trading
PremiumU.S. Representative disclosures filed under the STOCK Act.
U.S. House of Representatives disclosures naming Peoples Trust Company of St. Albans. Representatives' reported transactions in this security, shown next to the company's fundamentals. Included with FRC Premium.
News
Latest headlines and market coverage.
Latest headlines and company announcements for Peoples Trust Company of St. Albans. Coverage tracks Peoples Trust Company of St. Albans within Banks - Regional (Financial Services). Press releases and market coverage, newest first.