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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 : 5/10

vs
industry
vs
history
Cash to Debt 0.15
PBCT's Cash to Debt is ranked higher than
52% of the 1551 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.48 vs. PBCT: 0.15 )
PBCT' s 10-Year Cash to Debt Range
Min: 0.11   Max: No Debt
Current: 0.15

Equity to Asset 0.13
PBCT's Equity to Asset is ranked higher than
85% of the 1996 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.09 vs. PBCT: 0.13 )
PBCT' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.34
Current: 0.13

0.07
0.34
Interest Coverage 2.93
PBCT's Interest Coverage is ranked higher than
83% of the 1825 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.27 vs. PBCT: 2.93 )
PBCT' s 10-Year Interest Coverage Range
Min: 0.31   Max: 3.42
Current: 2.93

0.31
3.42
F-Score: 4
Z-Score: 0.21
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 : 8/10

vs
industry
vs
history
Operating margin (%) 29.16
PBCT's Operating margin (%) is ranked higher than
75% of the 2006 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 29.16 vs. PBCT: 29.16 )
PBCT' s 10-Year Operating margin (%) Range
Min: -2.97   Max: 35.09
Current: 29.16

-2.97
35.09
Net-margin (%) 19.76
PBCT's Net-margin (%) is ranked higher than
72% of the 2006 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.42 vs. PBCT: 19.76 )
PBCT' s 10-Year Net-margin (%) Range
Min: 8.59   Max: 41.8
Current: 19.76

8.59
41.8
ROE (%) 5.33
PBCT's ROE (%) is ranked higher than
63% of the 2016 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.57 vs. PBCT: 5.33 )
PBCT' s 10-Year ROE (%) Range
Min: 1.66   Max: 18.14
Current: 5.33

1.66
18.14
ROA (%) 0.74
PBCT's ROA (%) is ranked higher than
71% of the 2019 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.80 vs. PBCT: 0.74 )
PBCT' s 10-Year ROA (%) Range
Min: 0.37   Max: 1.78
Current: 0.74

0.37
1.78
ROC (Joel Greenblatt) (%) 122.59
PBCT's ROC (Joel Greenblatt) (%) is ranked higher than
83% of the 1989 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 76.96 vs. PBCT: 122.59 )
PBCT' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -9.3   Max: 153.07
Current: 122.59

-9.3
153.07
Revenue Growth (%) 11.50
PBCT's Revenue Growth (%) is ranked higher than
92% of the 1727 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.00 vs. PBCT: 11.50 )
PBCT' s 10-Year Revenue Growth (%) Range
Min: -23.4   Max: 16.1
Current: 11.5

-23.4
16.1
EBITDA Growth (%) 31.60
PBCT's EBITDA Growth (%) is ranked higher than
94% of the 1558 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.50 vs. PBCT: 31.60 )
PBCT' s 10-Year EBITDA Growth (%) Range
Min: -59.9   Max: 178.1
Current: 31.6

-59.9
178.1
EPS Growth (%) 45.50
PBCT's EPS Growth (%) is ranked higher than
95% of the 1545 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.90 vs. PBCT: 45.50 )
PBCT' s 10-Year EPS Growth (%) Range
Min: -34.3   Max: 45.5
Current: 45.5

-34.3
45.5
» PBCT's 10-Y Financials

Financials


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

» Details

Guru Trades

Q4 2013

PBCT Guru Trades in Q4 2013

Pioneer Investments 656,171 sh (+50.42%)
James Barrow 12,012,376 sh (+12.16%)
Charles Brandes 86,617 sh (+8.19%)
Joel Greenblatt 12,211 sh (+0.07%)
John Keeley 20,600 sh (unchged)
Jeremy Grantham 79,141 sh (-0.28%)
Steven Cohen 25,829 sh (-7.26%)
Paul Tudor Jones 27,800 sh (-10.32%)
Jim Simons 53,661 sh (-94.32%)
» More
Q1 2014

PBCT Guru Trades in Q1 2014

Louis Moore Bacon 28,552 sh (New)
Steven Cohen 33,647 sh (+30.27%)
James Barrow 13,028,761 sh (+8.46%)
Joel Greenblatt Sold Out
Jim Simons Sold Out
John Keeley Sold Out
Pioneer Investments 653,721 sh (-0.37%)
Charles Brandes 85,670 sh (-1.09%)
Jeremy Grantham 65,600 sh (-17.11%)
Paul Tudor Jones 17,600 sh (-36.69%)
» More
Q2 2014

PBCT Guru Trades in Q2 2014

James Barrow 13,944,360 sh (+7.03%)
Pioneer Investments 679,528 sh (+3.95%)
Paul Tudor Jones Sold Out
Louis Moore Bacon Sold Out
Charles Brandes 83,266 sh (-2.81%)
Jeremy Grantham 59,200 sh (-9.76%)
» More
Q3 2014

PBCT Guru Trades in Q3 2014

Ray Dalio 24,100 sh (New)
Jeremy Grantham 86,700 sh (+46.45%)
James Barrow 14,249,948 sh (+2.19%)
Pioneer Investments 677,397 sh (-0.31%)
Charles Brandes 79,902 sh (-4.04%)
» More
» Details

Insider Trades

Latest Guru Trades with PBCT

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

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Ray Dalio 2014-09-30 New Buy$14.32 - $15.28 $ 14.90%24100
John Keeley 2014-03-31 Sold Out 0.01%$13.84 - $15.59 $ 14.92%0
Joel Greenblatt 2014-03-31 Sold Out $13.84 - $15.59 $ 14.92%0
Charles Brandes 2013-06-30 Reduce -78.97%0.05%$12.76 - $14.95 $ 14.99%90018
John Keeley 2013-06-30 Add 33.81%$12.76 - $14.95 $ 14.99%18600
Michael Price 2013-03-31 Sold Out 0.53%$12.09 - $13.55 $ 14.916%0
Joel Greenblatt 2013-03-31 New Buy0.01%$12.09 - $13.55 $ 14.916%12548
John Keeley 2013-03-31 New Buy$12.09 - $13.55 $ 14.916%13900
Michael Price 2012-12-31 New Buy0.53%$11.39 - $12.48 $ 14.923%310000
James Barrow 2012-12-31 Add 23.74%0.04%$11.39 - $12.48 $ 14.923%9506100
James Barrow 2012-09-30 New Buy0.19%$11.35 - $12.45 $ 14.925%7682400
NWQ Managers 2012-09-30 Sold Out 0.06%$11.35 - $12.45 $ 14.925%0
Ray Dalio 2012-06-30 Sold Out 0.15%$11.32 - $13.39 $ 14.923%0
NWQ Managers 2012-06-30 Reduce -23.99%0.02%$11.32 - $13.39 $ 14.923%684042
Ray Dalio 2012-03-31 New Buy0.15%$12.25 - $13.66 $ 14.923%706215
Mario Gabelli 2011-12-31 Sold Out 0.0014%$11.14 - $13.02 $ 14.921%0
Ray Dalio 2011-09-30 Sold Out 0.0034%$10.56 - $13.78 $ 14.923%0
Mario Gabelli 2011-09-30 New Buy$10.56 - $13.78 $ 14.922%13095
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
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Ratios

vs
industry
vs
history
P/E(ttm) 18.00
PBCT's P/E(ttm) is ranked higher than
73% of the 2626 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 17.50 vs. PBCT: 18.00 )
PBCT' s 10-Year P/E(ttm) Range
Min: 8.22   Max: 61.87
Current: 18

8.22
61.87
P/B 1.00
PBCT's P/B is ranked higher than
83% of the 2626 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.34 vs. PBCT: 1.00 )
PBCT' s 10-Year P/B Range
Min: 0.72   Max: 5.04
Current: 1

0.72
5.04
P/S 3.60
PBCT's P/S is ranked higher than
73% of the 2626 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.61 vs. PBCT: 3.60 )
PBCT' s 10-Year P/S Range
Min: 2.74   Max: 21.36
Current: 3.6

2.74
21.36
PFCF 17.10
PBCT's PFCF is ranked higher than
83% of the 2626 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. PBCT: 17.10 )
PBCT' s 10-Year PFCF Range
Min: 3.23   Max: 136.6
Current: 17.1

3.23
136.6
EV-to-EBIT 20.78
PBCT's EV-to-EBIT is ranked higher than
70% of the 2626 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 19.80 vs. PBCT: 20.78 )
PBCT' s 10-Year EV-to-EBIT Range
Min: -654   Max: 86.4
Current: 20.78

-654
86.4
PEG 0.69
PBCT's PEG is ranked higher than
94% of the 2626 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. PBCT: 0.69 )
PBCT' s 10-Year PEG Range
Min: 0.67   Max: 9.55
Current: 0.69

0.67
9.55
Shiller P/E 25.80
PBCT's Shiller P/E is ranked higher than
81% of the 2626 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. PBCT: 25.80 )
PBCT' s 10-Year Shiller P/E Range
Min: 12.07   Max: 32.58
Current: 25.8

12.07
32.58

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 4.40
PBCT's Dividend Yield is ranked higher than
86% of the 1871 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.25 vs. PBCT: 4.40 )
PBCT' s 10-Year Dividend Yield Range
Min: 1.86   Max: 5.9
Current: 4.4

1.86
5.9
Dividend Payout 0.80
PBCT's Dividend Payout is ranked higher than
60% of the 2626 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.60 vs. PBCT: 0.80 )
PBCT' s 10-Year Dividend Payout Range
Min: 0.1   Max: 7.2
Current: 0.8

0.1
7.2
Dividend growth (3y) 1.60
PBCT's Dividend growth (3y) is ranked higher than
71% of the 1118 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.50 vs. PBCT: 1.60 )
PBCT' s 10-Year Dividend growth (3y) Range
Min: 0.7   Max: 26.8
Current: 1.6

0.7
26.8
Yield on cost (5-Year) 4.76
PBCT's Yield on cost (5-Year) is ranked higher than
78% of the 1883 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.50 vs. PBCT: 4.76 )
PBCT' s 10-Year Yield on cost (5-Year) Range
Min: 2.01   Max: 6.39
Current: 4.76

2.01
6.39
Share Buyback Rate 4.00
PBCT's Share Buyback Rate is ranked higher than
96% of the 1472 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.90 vs. PBCT: 4.00 )
PBCT' s 10-Year Share Buyback Rate Range
Min: 4   Max: -28.1
Current: 4

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.80
PBCT's Price/Tangible Book is ranked higher than
69% of the 2626 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.62 vs. PBCT: 1.80 )
PBCT' s 10-Year Price/Tangible Book Range
Min: 0.48   Max: 5.12
Current: 1.8

0.48
5.12
Price/DCF (Projected) 0.60
PBCT's Price/DCF (Projected) is ranked higher than
86% of the 2626 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.54 vs. PBCT: 0.60 )
PBCT' s 10-Year Price/DCF (Projected) Range
Min: 0.2   Max: 4.56
Current: 0.6

0.2
4.56
Price/Median PS Value 0.80
PBCT's Price/Median PS Value is ranked higher than
96% of the 2626 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.25 vs. PBCT: 0.80 )
PBCT' s 10-Year Price/Median PS Value Range
Min: 0.12   Max: 18.68
Current: 0.8

0.12
18.68
Price/Graham Number 1.20
PBCT's Price/Graham Number is ranked higher than
72% of the 2626 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.19 vs. PBCT: 1.20 )
PBCT' s 10-Year Price/Graham Number Range
Min: 0.37   Max: 3.39
Current: 1.2

0.37
3.39
Earnings Yield (Greenblatt) 4.80
PBCT's Earnings Yield (Greenblatt) is ranked higher than
65% of the 1973 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.60 vs. PBCT: 4.80 )
PBCT' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.2   Max: 10.5
Current: 4.8

1.2
10.5
Forward Rate of Return (Yacktman) 28.14
PBCT's Forward Rate of Return (Yacktman) is ranked higher than
85% of the 1512 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.69 vs. PBCT: 28.14 )
PBCT' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -17.4   Max: 29.1
Current: 28.14

-17.4
29.1

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:OCN, HOME, NYCB, HCBK, FNFG » details
Traded in other countries:PP21.Germany
People's United Financial Inc is incorporated under the state laws of Delaware in 1842. The Company is a savings and loan holding company for People's United Bank, a federally-chartered stock savings bank headquartered in Bridgeport, Connecticut. The business of People's United Financial is to provide, through People's United Bank and its subsidiaries, commercial banking, retail and business banking, and wealth management services to individual, corporate and municipal customers. Traditional banking activities are conducted within New England and southeastern New York, and include extending secured and unsecured commercial and consumer loans, originating mortgage loans secured by residential and commercial properties, and accepting consumer, commercial and municipal deposits. In addition it also provides specialized financial services tailored to specific markets including: personal, institutional and employee benefit trust; cash management; and municipal banking and finance. Through its non-banking subsidiaries, People's United Bank offers: brokerage, financial advisory services, investment management services and life insurance through People's Securities, Inc.; equipment financing through People's Capital and Leasing Corp. and People's United Equipment Finance Corp.; and other insurance services through People's United Insurance Agency, Inc. The financial services is delivered through a network of 410 branches located in Connecticut, southeastern New York, Massachusetts, Vermont, New Hampshire and Maine, including 85 full-service Stop & Shop supermarket branches throughout Connecticut and 58 in southeastern New York that provide customers with seven-day-a-week banking. Its distribution network includes investment and brokerage offices, commercial banking offices, online banking and investment trading, a 24-hour telephone banking service and participation in a worldwide ATM network. PCLC and PUEFC maintain a sales presence in 14 states to support equipment financing operations throughout the United States. The Company operates in three segments namely Commercial Banking; and Retail and Business Banking. Commercial Banking consists principally of commercial real estate lending, commercial and industrial lending, and commercial deposit gathering activities. This segment also includes the equipment financing operations of PCLC and PUEFC, as well as cash management, correspondent banking and municipal banking. In addition, Commercial Banking consists of institutional trust services, corporate trust, insurance services provided through PUIA and private banking. Retail and Business Banking includes, business lending, consumer and business deposit gathering activities, consumer lending (including residential mortgage and home equity lending), and merchant services. In addition, Retail and Business Banking includes brokerage, financial advisory services, investment management services and life insurance provided by PSI and non-institut
» More Articles for PBCT

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