Peoples Trust Company of St. Albans (PPAL)

PPAL Ratios and Metrics

Market cap in millions USD. Fiscal year is January - December.

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 20, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Market Capitalization	33	34	34	30	34	40
Market Cap Growth	-15.96%	0.60%	11.42%	-10.06%	-16.64%	21.31%
Last Close Price	59.77	59.46	57.15	49.28	53.54	63.22
PE Ratio	8.98	9.35	11.84	14.57	14.46	18.34
PS Ratio	1.96	2.03	2.16	2.21	2.55	3.00
PB Ratio	0.86	0.89	0.95	0.95	0.90	1.10
P/FCF Ratio	6.64	6.89	10.51	-	8.81	655.30
P/OCF Ratio	6.09	6.32	9.78	-	7.89	96.31
Debt / Equity Ratio	0.09	0.09	0.09	0.10	0.09	0.09
Debt / FCF Ratio	0.66	0.66	1.02	-	0.85	52.27
Return on Equity (ROE)	9.89%	9.89%	8.46%	5.98%	6.27%	6.18%
Return on Assets (ROA)	1.00%	1.00%	0.78%	0.55%	0.65%	0.73%
Earnings Yield	11.09%	10.69%	8.45%	6.87%	6.92%	5.45%
FCF Yield	15.06%	14.52%	9.51%	-1.51%	11.36%	0.15%
Dividend Yield	2.01%	1.89%	1.79%	1.93%	1.77%	-
Payout Ratio	16.90%	16.90%	19.75%	25.59%	23.38%	24.94%
Buyback Yield / Dilution	5.70%	0.75%	2.05%	2.17%	0.85%	2.96%
Total Shareholder Return	7.70%	2.64%	3.84%	4.10%	2.62%	2.96%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.