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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 0.41
FBNK's Cash to Debt is ranked lower than
78% of the 1606 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.02 vs. FBNK: 0.41 )
Ranked among companies with meaningful Cash to Debt only.
FBNK' s Cash to Debt Range Over the Past 10 Years
Min: 0.11  Med: 0.4 Max: N/A
Current: 0.41
Equity to Asset 0.09
FBNK's Equity to Asset is ranked lower than
69% of the 1612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. FBNK: 0.09 )
Ranked among companies with meaningful Equity to Asset only.
FBNK' s Equity to Asset Range Over the Past 10 Years
Min: 0.07  Med: 0.1 Max: 0.16
Current: 0.09
0.07
0.16
Interest Coverage 1.25
FBNK's Interest Coverage is ranked lower than
57% of the 1533 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.66 vs. FBNK: 1.25 )
Ranked among companies with meaningful Interest Coverage only.
FBNK' s Interest Coverage Range Over the Past 10 Years
Min: 0.06  Med: 0.52 Max: 1.37
Current: 1.25
0.06
1.37
F-Score: 4
M-Score: -2.33
WACC vs ROIC
4.44%
2.69%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry
vs
history
Operating margin (%) 23.22
FBNK's Operating margin (%) is ranked lower than
68% of the 1627 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.98 vs. FBNK: 23.22 )
Ranked among companies with meaningful Operating margin (%) only.
FBNK' s Operating margin (%) Range Over the Past 10 Years
Min: -12.69  Med: 7.94 Max: 23.22
Current: 23.22
-12.69
23.22
Net-margin (%) 16.12
FBNK's Net-margin (%) is ranked lower than
70% of the 1625 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.46 vs. FBNK: 16.12 )
Ranked among companies with meaningful Net-margin (%) only.
FBNK' s Net-margin (%) Range Over the Past 10 Years
Min: -7.89  Med: 5.96 Max: 16.12
Current: 16.12
-7.89
16.12
ROE (%) 5.35
FBNK's ROE (%) is ranked lower than
73% of the 1623 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.57 vs. FBNK: 5.35 )
Ranked among companies with meaningful ROE (%) only.
FBNK' s ROE (%) Range Over the Past 10 Years
Min: -2.44  Med: 1.84 Max: 5.35
Current: 5.35
-2.44
5.35
ROA (%) 0.49
FBNK's ROA (%) is ranked lower than
73% of the 1632 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 vs. FBNK: 0.49 )
Ranked among companies with meaningful ROA (%) only.
FBNK' s ROA (%) Range Over the Past 10 Years
Min: -0.28  Med: 0.21 Max: 0.49
Current: 0.49
-0.28
0.49
Revenue Growth (3Y)(%) 13.00
FBNK's Revenue Growth (3Y)(%) is ranked higher than
81% of the 1346 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.40 vs. FBNK: 13.00 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
FBNK' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 0 Max: 15.7
Current: 13
0
15.7
EBITDA Growth (3Y)(%) 40.50
FBNK's EBITDA Growth (3Y)(%) is ranked higher than
92% of the 1235 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.70 vs. FBNK: 40.50 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
FBNK' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 0 Max: 40.5
Current: 40.5
0
40.5
EPS Growth (3Y)(%) 55.70
FBNK's EPS Growth (3Y)(%) is ranked higher than
95% of the 1209 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. FBNK: 55.70 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
FBNK' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 0 Max: 55.7
Current: 55.7
0
55.7
GuruFocus has detected 1 Warning Sign with First Connecticut Bancorp Inc $FBNK.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» FBNK's 10-Y Financials

Financials (Next Earnings Date: 2017-01-25)


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow
Oprt. Cash Flow & Net Income

» Details

Guru Trades

Q4 2015

FBNK Guru Trades in Q4 2015

Jim Simons 189,300 sh (+82.72%)
Charles Brandes 51,153 sh (+27.92%)
» More
Q1 2016

FBNK Guru Trades in Q1 2016

Charles Brandes 52,226 sh (+2.10%)
Jim Simons 188,500 sh (-0.42%)
» More
Q2 2016

FBNK Guru Trades in Q2 2016

Charles Brandes 55,223 sh (+5.74%)
Jim Simons 196,900 sh (+4.46%)
» More
Q3 2016

FBNK Guru Trades in Q3 2016

Jim Simons 205,500 sh (+4.37%)
Charles Brandes 54,663 sh (-1.01%)
» More
» Details

Insider Trades

Latest Guru Trades with FBNK

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6029
Compare:NAS:PFIS, NAS:CCBG, NAS:MCBC, NAS:CNBKA, NAS:MBVT, NAS:WFBI, NAS:FMNB, NAS:CZNC, NAS:CCNE, NAS:CARO, NAS:OSBC, NAS:AMNB, NAS:OLBK, NAS:BSRR, NAS:ATLO, NAS:NKSH, NAS:ANCX, NAS:FNLC, NAS:WTBA, NAS:EQBK » details
First Connecticut Bancorp Inc is a holding company. The company owns common stock of Farmington Bank which provides various banking services to businesses, individuals and governments in Central Connecticut.

First Connecticut Bancorp Inc is a Maryland-chartered stock holding company that owns 100% of the common stock of Farmington Bank. The Bank is a full-service, community bank with 22 full service branch offices and 4 limited service offices located throughout Hartford County, Connecticut. Farmington Bank. It provides various commercial and consumer services to businesses, individuals and governments across Central Connecticut. The Bank is regulated by the Connecticut Department of Banking and the Federal Deposit Insurance Corporation ('FDIC'). The Bank's deposits are insured to the maximum allowable under the Deposit Insurance Fund, which is administered by the FDIC. The Bank is a member of the Federal Home Loan Bank of Boston ('FHLBB'). One of its main lending activities consists of the origination of one-to-four family residential real estate loans that are secured by properties located in Hartford County and surrounding counties in Connecticut. It also offers adjustable-rate mortgage loans for one-to-four family properties, with an interest rate that adjusts annually based on the one-year Constant Maturity Treasury Bill Index, after a one, three, five, seven or ten - year initial fixed-rate period. It offers construction loans, including commercial construction loans and real estate subdivision development loans, to developers, licensed contractors and builders for the construction and development of commercial real estate projects and residential properties. It also offers home equity loans and home equity lines of credit, both of which are secured by owner-occupied one-to-four family residences. Its government banking group provides deposit services to municipalities throughout Connecticut. The Company competes for loans and deposits with commercial banks, savings institutions, mortgage banking firms and credit unions. The Bank is subject to extensive regulation by the Connecticut Department of Banking, as its chartering agency, and by the FDIC, as its deposit insurer. The Company is subject to regulation by and required to file reports with the Connecticut Department of Banking, the Federal Reserve Board and the Securities and Exchange Commission.

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Ratios

vs
industry
vs
history
P/E(ttm) 23.71
FBNK's P/E(ttm) is ranked lower than
83% of the 1493 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.26 vs. FBNK: 23.71 )
Ranked among companies with meaningful P/E(ttm) only.
FBNK' s P/E(ttm) Range Over the Past 10 Years
Min: 17.29  Med: 30.26 Max: 168.75
Current: 23.71
17.29
168.75
Forward P/E 17.95
FBNK's Forward P/E is ranked lower than
73% of the 366 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.41 vs. FBNK: 17.95 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 23.71
FBNK's PE(NRI) is ranked lower than
83% of the 1490 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.29 vs. FBNK: 23.71 )
Ranked among companies with meaningful PE(NRI) only.
FBNK' s PE(NRI) Range Over the Past 10 Years
Min: 17.29  Med: 30.26 Max: 168.75
Current: 23.71
17.29
168.75
Price/Owner Earnings (ttm) 18.59
FBNK's Price/Owner Earnings (ttm) is ranked lower than
64% of the 881 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.64 vs. FBNK: 18.59 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
FBNK' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 15.42  Med: 23.94 Max: 45.55
Current: 18.59
15.42
45.55
P/B 1.30
FBNK's P/B is ranked lower than
59% of the 1607 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.16 vs. FBNK: 1.30 )
Ranked among companies with meaningful P/B only.
FBNK' s P/B Range Over the Past 10 Years
Min: 0.73  Med: 1.05 Max: 1.5
Current: 1.3
0.73
1.5
P/S 3.82
FBNK's P/S is ranked lower than
60% of the 1587 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.37 vs. FBNK: 3.82 )
Ranked among companies with meaningful P/S only.
FBNK' s P/S Range Over the Past 10 Years
Min: 2.83  Med: 3.59 Max: 5.44
Current: 3.82
2.83
5.44
PFCF 12.77
FBNK's PFCF is ranked higher than
51% of the 823 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.99 vs. FBNK: 12.77 )
Ranked among companies with meaningful PFCF only.
FBNK' s PFCF Range Over the Past 10 Years
Min: 5.26  Med: 14.87 Max: 692.5
Current: 12.77
5.26
692.5
POCF 11.38
FBNK's POCF is ranked lower than
51% of the 895 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.29 vs. FBNK: 11.38 )
Ranked among companies with meaningful POCF only.
FBNK' s POCF Range Over the Past 10 Years
Min: 5.1  Med: 12.7 Max: 41.28
Current: 11.38
5.1
41.28
EV-to-EBIT 23.80
FBNK's EV-to-EBIT is ranked lower than
79% of the 1216 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.39 vs. FBNK: 23.80 )
Ranked among companies with meaningful EV-to-EBIT only.
FBNK' s EV-to-EBIT Range Over the Past 10 Years
Min: -175.1  Med: 36.35 Max: 227.5
Current: 23.8
-175.1
227.5
EV-to-EBITDA 21.15
FBNK's EV-to-EBITDA is ranked lower than
79% of the 1226 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.20 vs. FBNK: 21.15 )
Ranked among companies with meaningful EV-to-EBITDA only.
FBNK' s EV-to-EBITDA Range Over the Past 10 Years
Min: -69.2  Med: 29.5 Max: 209.8
Current: 21.15
-69.2
209.8

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.47
FBNK's Dividend Yield is ranked lower than
79% of the 2358 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.55 vs. FBNK: 1.47 )
Ranked among companies with meaningful Dividend Yield only.
FBNK' s Dividend Yield Range Over the Past 10 Years
Min: 0.22  Med: 0.88 Max: 1.63
Current: 1.47
0.22
1.63
Dividend Payout 0.31
FBNK's Dividend Payout is ranked higher than
52% of the 1314 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.32 vs. FBNK: 0.31 )
Ranked among companies with meaningful Dividend Payout only.
FBNK' s Dividend Payout Range Over the Past 10 Years
Min: 0.27  Med: 0.39 Max: 0.55
Current: 0.31
0.27
0.55
Dividend Growth (3y) 22.40
FBNK's Dividend Growth (3y) is ranked higher than
76% of the 733 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.90 vs. FBNK: 22.40 )
Ranked among companies with meaningful Dividend Growth (3y) only.
FBNK' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: 0 Max: 78.3
Current: 22.4
0
78.3
Forward Dividend Yield 1.70
FBNK's Forward Dividend Yield is ranked lower than
77% of the 2268 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.77 vs. FBNK: 1.70 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 1.47
FBNK's Yield on cost (5-Year) is ranked lower than
83% of the 2640 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.36 vs. FBNK: 1.47 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
FBNK' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.22  Med: 0.88 Max: 1.63
Current: 1.47
0.22
1.63
3-Year Average Share Buyback Ratio 3.60
FBNK's 3-Year Average Share Buyback Ratio is ranked higher than
95% of the 1049 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. FBNK: 3.60 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
FBNK' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: 3.6  Med: 0 Max: 0
Current: 3.6

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.30
FBNK's Price/Tangible Book is ranked lower than
54% of the 1600 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.23 vs. FBNK: 1.30 )
Ranked among companies with meaningful Price/Tangible Book only.
FBNK' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.75  Med: 1.04 Max: 1.35
Current: 1.3
0.75
1.35
Price/Projected FCF 0.80
FBNK's Price/Projected FCF is ranked lower than
51% of the 886 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.79 vs. FBNK: 0.80 )
Ranked among companies with meaningful Price/Projected FCF only.
FBNK' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.66  Med: 0.7 Max: 0.82
Current: 0.8
0.66
0.82
Price/Median PS Value 1.06
FBNK's Price/Median PS Value is ranked higher than
58% of the 1463 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.14 vs. FBNK: 1.06 )
Ranked among companies with meaningful Price/Median PS Value only.
FBNK' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.8  Med: 1 Max: 2.06
Current: 1.06
0.8
2.06
Price/Graham Number 1.17
FBNK's Price/Graham Number is ranked lower than
67% of the 1404 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.95 vs. FBNK: 1.17 )
Ranked among companies with meaningful Price/Graham Number only.
FBNK' s Price/Graham Number Range Over the Past 10 Years
Min: 0.89  Med: 1.14 Max: 2.7
Current: 1.17
0.89
2.7
Earnings Yield (Greenblatt) (%) 4.21
FBNK's Earnings Yield (Greenblatt) (%) is ranked lower than
60% of the 1605 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. FBNK: 4.21 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
FBNK' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.4  Med: 2.15 Max: 4.9
Current: 4.21
0.4
4.9

More Statistics

Revenue (TTM) (Mil) $83.17
EPS (TTM) $ 0.89
Beta0.57
Short Percentage of Float1.35%
52-Week Range $14.42 - 25.00
Shares Outstanding (Mil)15.81

Analyst Estimate

Dec16 Dec17 Dec18
Revenue (Mil $)
EPS ($) 1.00 1.18 1.54
EPS w/o NRI ($) 1.00 1.18 1.54
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
Dividends Per Share ($) 0.30 0.32
» More Articles for NAS:FBNK

Headlines

Articles On GuruFocus.com
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