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Peoples Trust Company of St. Albans
PPALFinancial ServicesOTCUS
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Estimates, scoring, valuation assumptions, and peer comparison in one research surface.
Change the assumptions to see how revenue growth, margins, and exit multiples can move fair value.
| Year | Revenue | Margin | Profit | Free cash flow | Present value |
|---|---|---|---|---|---|
| 2026 | $21.41M | 19.4% | $4.15M | $3.62M | N/A |
| 2027 | $23.55M | 19.4% | $4.57M | $3.98M | $3.62M |
| 2028 | $25.90M | 19.4% | $5.02M | $4.38M | $3.62M |
| 2029 | $28.49M | 19.4% | $5.53M | $4.82M | $3.62M |
| 2030 | $31.34M | 19.4% | $6.08M | $5.30M | $3.62M |
| 2031 | $34.47M | 19.4% | $6.69M | $5.83M | $3.62M |
Projects EPS forward, applies an exit P/E, then discounts the result back to today.
| Base EPS | $7.72 | 2025-12-31 |
| EPS growth | +15.9% | Forecast years: 5 |
| Future EPS | $16.145 | EPS × (1 + G)^5 |
| Base P/E | 7.8 | P/E |
| Future price | $125.93 | Future EPS × P/E |
| Fair value today | $78.193 | PV @ 10.0% |
| 30% safety price | $54.735 | Margin of safety |
| 50% safety price | $39.096 | Margin of safety |
| Discount rate \\ Terminal growth | 1.5% | 2.5% | 3.5% |
|---|---|---|---|
| 9.0% | $164.18 | $179.96 | $201.48 |
| 10.0% | $148.25 | $159.88 | $175.10 |
| 11.0% | $135.68 | $144.54 | $155.76 |