Stock fact sheet · data as of
Peoples Trust Company of St. Albans (PPAL): fair value, margin of safety and Wheel Score
Financial Services · Banks - Regional · United States · Speculative / Distressed
Is PPAL undervalued?
PPAL has a margin of safety of 70%: the stock closed at 60.10 on 16 Oct 2026 against a GLS average fair value of 201.59. 8 of the 9 valuation models that produced a number sit above the price. Our screens treat a discount this large as a strong starting point for a cash-secured put, not as a verdict - the fair value is a model output, and a wide gap can mean the models are missing something the market knows.
There is a wide gap between DDM (19.13) and GLS Growth (472.81). When the models are this far apart the "fair value" is really a range, and the margin of safety above should be read with that range in mind.
The nightly engine files PPAL under Speculative / Distressed - negative earnings or a Piotroski score of 3 or less - which caps its Wheel Score at 45 and keeps it out of the Sunday Scan.
Nine valuation models for PPAL
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 61.70 | +3% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 117.10 | +95% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 441.76 | +635% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 193.08 | +221% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 472.81 | +687% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 156.65 | +161% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 266.30 | +343% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 19.13 | -68% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 85.81 | +43% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -594.73 | -1090% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Peoples Trust Company of St. Albans scores only 0 of 9 on the Piotroski F-score, which fails the Sunday Scan's "6 or more" rule. A reading this low means several of the basic tests - positive earnings, positive operating cash flow, falling debt, no new share issuance - are not met. On durability PPAL scores 7.1/10 on the GLS Moat - a middle reading; the Scorecard on the Quote page's Financials tab shows which ten-year lines are steady and which are not.
Returns on capital are moderate - ROIC 9.8%, ROE 9.8%, ROA 1.1% - with debt at 0.00 times equity and a free-cash-flow yield of 11.1%.
The dividend yield is 2.16% at a payout ratio of 16%; for a wheel trader holding assigned shares the dividend adds to the covered-call premium, and the ex-dividend date is worth knowing before a call is sold.
Institutional ownership scores 5/10, insider activity 5/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 0 / 9 | ROIC | 9.8% |
|---|---|---|---|
| GLS Moat | 7.1 / 10 | ROE | 9.8% |
| Debt / equity | 0.00 | ROA | 1.1% |
| Free-cash-flow yield | 11.1% | Payout ratio | 16% |
| Institutions | 5 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 39: No options
No options are listed on Peoples Trust Company of St. Albans in our nightly snapshot. The Wheel Score is therefore capped at 39 (it reads 39) and the stock is left out of every options screen; the fair value and health figures above are still useful for a plain stock position.
Volume runs at 0k shares a day on a market cap of $33M, with a beta of 1.24 - a high beta, so the stock tends to move more than the market and a strike can be gapped through; the Stability part of the Wheel Score gives that 6 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 25 / 25 | 70% margin of safety | |
| Health | 0 / 20 | Piotroski 0/9 | |
| Moat | 11 / 15 | moat 7.1/10 | |
| Premium | 0 / 20 | no option data | |
| Stability | 6 / 20 | 0k shares/day, $33M cap, beta 1.24 |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score fits into a trade, start to finish.
Upcoming events
No upcoming earnings date is recorded for PPAL in the nightly calendar.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to Peoples Trust Company of St. Albans by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| CNBZ CNB Corporation | 27.00 | 59.61 | +55% | 39No options | $33M |
| JFWV JSB Financial Inc. | 128.45 | 273.16 | +53% | 39No options | $33M |
| WOBK Woodsboro Bank | 81.00 | 182.45 | +56% | 39No options | $32M |
| HRBK Harbor Bankshares Corporation | 26.32 | 28.94 | +9% | 39No options | $32M |
| MCHT Mauch Chunk Trust Financial Corp. | 9.40 | 9.05 | -4% | 31No options | $31M |
| PCLB Pinnacle Bancshares, Inc. | 35.00 | 85.02 | +59% | 39No options | $31M |
| WVFC WVS Financial Corp. | 19.00 | 24.31 | +22% | 39No options | $31M |
| BKUT Bank of Utica | 685.00 | 3,146.23 | +78% | 39No options | $34M |
| PFSB PFS Bancorp, Inc. | 22.19 | 33.56 | +34% | 39No options | $34M |
| FBPA The Farmers Bank of Appomattox | 32.05 | 43.35 | +26% | 39No options | $35M |
| SOUB SouthPoint Bancshares, Inc. | 10.25 | 108.41 | +91% | 39No options | $30M |
| CBFC CNB Financial Services, Inc. | 80.00 | 226.68 | +65% | 39No options | $30M |
⚖ Compare PPAL with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about PPAL
Is PPAL undervalued right now?
By the GLS models, yes: at 60.10 the stock is 70% below the average fair value of 201.59 (data as of 16 Oct 2026). Whether the discount is deserved is the question to research next.
What is the Wheel Score of PPAL and what does it mean?
PPAL has no listed options in our nightly snapshot, so it cannot be wheeled; its Wheel Score is capped at 39 and shown as "No options".
What is the GLS fair value for PPAL?
201.59 per share as of 16 Oct 2026 - the simple average of the 9 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does Peoples Trust Company of St. Albans report earnings next?
No upcoming earnings date is recorded for PPAL in our calendar as of 16 Oct 2026; the Calendars page is refreshed every morning.
Does PPAL have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on PPAL, so the wheel strategy cannot be run on it and the Wheel Score is capped at 39.