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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 : 4/10

vs
industry
vs
history
Cash to Debt 0.10
PBCT's Cash to Debt is ranked lower than
93% of the 970 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.49 vs. PBCT: 0.10 )
Ranked among companies with meaningful Cash to Debt only.
PBCT' s 10-Year Cash to Debt Range
Min: 0.1  Med: 0.51 Max: N/A
Current: 0.1
Equity to Asset 0.13
PBCT's Equity to Asset is ranked higher than
75% of the 1323 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. PBCT: 0.13 )
Ranked among companies with meaningful Equity to Asset only.
PBCT' s 10-Year Equity to Asset Range
Min: 0.07  Med: 0.11 Max: 0.34
Current: 0.13
0.07
0.34
Interest Coverage 3.21
PBCT's Interest Coverage is ranked higher than
69% of the 1239 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.65 vs. PBCT: 3.21 )
Ranked among companies with meaningful Interest Coverage only.
PBCT' s 10-Year Interest Coverage Range
Min: 0.31  Med: 0.73 Max: 3.42
Current: 3.21
0.31
3.42
F-Score: 4
WACC vs ROIC
5.02%
3.47%
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 : 8/10

vs
industry
vs
history
Operating margin (%) 30.60
PBCT's Operating margin (%) is ranked higher than
52% of the 1388 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 29.90 vs. PBCT: 30.60 )
Ranked among companies with meaningful Operating margin (%) only.
PBCT' s 10-Year Operating margin (%) Range
Min: -2.97  Med: 25.57 Max: 34.99
Current: 30.6
-2.97
34.99
Net-margin (%) 20.25
PBCT's Net-margin (%) is ranked lower than
55% of the 1388 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.60 vs. PBCT: 20.25 )
Ranked among companies with meaningful Net-margin (%) only.
PBCT' s 10-Year Net-margin (%) Range
Min: 8.84  Med: 17.96 Max: 41.8
Current: 20.25
8.84
41.8
ROE (%) 5.53
PBCT's ROE (%) is ranked lower than
68% of the 1390 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.16 vs. PBCT: 5.53 )
Ranked among companies with meaningful ROE (%) only.
PBCT' s 10-Year ROE (%) Range
Min: 1.66  Med: 6.57 Max: 18.14
Current: 5.53
1.66
18.14
ROA (%) 0.74
PBCT's ROA (%) is ranked lower than
56% of the 1399 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.84 vs. PBCT: 0.74 )
Ranked among companies with meaningful ROA (%) only.
PBCT' s 10-Year ROA (%) Range
Min: 0.37  Med: 0.85 Max: 1.78
Current: 0.74
0.37
1.78
ROC (Joel Greenblatt) (%) 138.07
PBCT's ROC (Joel Greenblatt) (%) is ranked higher than
68% of the 1381 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 76.24 vs. PBCT: 138.07 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
PBCT' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -9.3  Med: 43.75 Max: 153.07
Current: 138.07
-9.3
153.07
Revenue Growth (3Y)(%) 6.50
PBCT's Revenue Growth (3Y)(%) is ranked higher than
69% of the 1174 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.00 vs. PBCT: 6.50 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
PBCT' s 10-Year Revenue Growth (3Y)(%) Range
Min: -29.7  Med: 6.50 Max: 15.9
Current: 6.5
-29.7
15.9
EBITDA Growth (3Y)(%) 12.00
PBCT's EBITDA Growth (3Y)(%) is ranked higher than
64% of the 1035 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.40 vs. PBCT: 12.00 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
PBCT' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -58.5  Med: 9.40 Max: 178.1
Current: 12
-58.5
178.1
EPS Growth (3Y)(%) 15.20
PBCT's EPS Growth (3Y)(%) is ranked higher than
64% of the 1042 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.40 vs. PBCT: 15.20 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
PBCT' s 10-Year EPS Growth (3Y)(%) Range
Min: -34.3  Med: 7.20 Max: 45.5
Current: 15.2
-34.3
45.5
» PBCT's 10-Y Financials

Financials


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

» Details

Guru Trades

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 (unchged)
Charles Brandes 79,902 sh (-4.04%)
» More
Q4 2014

PBCT Guru Trades in Q4 2014

Jim Simons 142,900 sh (New)
Pioneer Investments 679,110 sh (+0.25%)
Ray Dalio Sold Out
James Barrow 14,247,797 sh (-0.02%)
Charles Brandes 77,220 sh (-3.36%)
Jeremy Grantham 78,200 sh (-9.80%)
» More
Q1 2015

PBCT Guru Trades in Q1 2015

Jim Simons 230,700 sh (+61.44%)
Jeremy Grantham 83,300 sh (+6.52%)
Pioneer Investments 690,108 sh (+1.62%)
James Barrow 14,322,358 sh (+0.52%)
Charles Brandes 73,778 sh (-4.46%)
» 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%)

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Ratios

vs
industry
vs
history
P/E(ttm) 18.60
PBCT's P/E(ttm) is ranked lower than
73% of the 1251 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.80 vs. PBCT: 18.60 )
Ranked among companies with meaningful P/E(ttm) only.
PBCT' s 10-Year P/E(ttm) Range
Min: 8.5  Med: 22.52 Max: 61.87
Current: 18.6
8.5
61.87
Forward P/E 16.00
PBCT's Forward P/E is ranked lower than
83% of the 710 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.17 vs. PBCT: 16.00 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 18.60
PBCT's PE(NRI) is ranked lower than
73% of the 1248 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.80 vs. PBCT: 18.60 )
Ranked among companies with meaningful PE(NRI) only.
PBCT' s 10-Year PE(NRI) Range
Min: 16.55  Med: 23.87 Max: 63.22
Current: 18.6
16.55
63.22
P/B 1.06
PBCT's P/B is ranked higher than
53% of the 1349 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.10 vs. PBCT: 1.06 )
Ranked among companies with meaningful P/B only.
PBCT' s 10-Year P/B Range
Min: 0.72  Med: 1.01 Max: 4.65
Current: 1.06
0.72
4.65
P/S 3.76
PBCT's P/S is ranked lower than
67% of the 1371 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.99 vs. PBCT: 3.76 )
Ranked among companies with meaningful P/S only.
PBCT' s 10-Year P/S Range
Min: 3.16  Med: 4.83 Max: 114.89
Current: 3.76
3.16
114.89
PFCF 25.50
PBCT's PFCF is ranked lower than
82% of the 803 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.27 vs. PBCT: 25.50 )
Ranked among companies with meaningful PFCF only.
PBCT' s 10-Year PFCF Range
Min: 1.04  Med: 33.51 Max: 436.58
Current: 25.5
1.04
436.58
POCF 18.89
PBCT's POCF is ranked lower than
81% of the 916 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.79 vs. PBCT: 18.89 )
Ranked among companies with meaningful POCF only.
PBCT' s 10-Year POCF Range
Min: 1.03  Med: 24.06 Max: 363.82
Current: 18.89
1.03
363.82
EV-to-EBIT 19.57
PBCT's EV-to-EBIT is ranked lower than
69% of the 1255 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.99 vs. PBCT: 19.57 )
Ranked among companies with meaningful EV-to-EBIT only.
PBCT' s 10-Year EV-to-EBIT Range
Min: -658.6  Med: 20.20 Max: 74
Current: 19.57
-658.6
74
PEG 0.84
PBCT's PEG is ranked higher than
61% of the 575 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.08 vs. PBCT: 0.84 )
Ranked among companies with meaningful PEG only.
PBCT' s 10-Year PEG Range
Min: 0.66  Med: 1.13 Max: 11.08
Current: 0.84
0.66
11.08
Shiller P/E 26.18
PBCT's Shiller P/E is ranked lower than
77% of the 770 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 16.76 vs. PBCT: 26.18 )
Ranked among companies with meaningful Shiller P/E only.
PBCT' s 10-Year Shiller P/E Range
Min: 16  Med: 24.43 Max: 31.64
Current: 26.18
16
31.64

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 4.13
PBCT's Dividend Yield is ranked higher than
75% of the 2204 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.60 vs. PBCT: 4.13 )
Ranked among companies with meaningful Dividend Yield only.
PBCT' s 10-Year Dividend Yield Range
Min: 2.05  Med: 3.90 Max: 5.9
Current: 4.13
2.05
5.9
Dividend Payout 0.77
PBCT's Dividend Payout is ranked lower than
89% of the 1287 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. PBCT: 0.77 )
Ranked among companies with meaningful Dividend Payout only.
PBCT' s 10-Year Dividend Payout Range
Min: 0.1  Med: 0.81 Max: 7.2
Current: 0.77
0.1
7.2
Dividend growth (3y) 1.60
PBCT's Dividend growth (3y) is ranked lower than
71% of the 657 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.50 vs. PBCT: 1.60 )
Ranked among companies with meaningful Dividend growth (3y) only.
PBCT' s 10-Year Dividend growth (3y) Range
Min: 1.6  Med: 10.50 Max: 26.8
Current: 1.6
1.6
26.8
Yield on cost (5-Year) 4.45
PBCT's Yield on cost (5-Year) is ranked higher than
67% of the 2195 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.03 vs. PBCT: 4.45 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
PBCT' s 10-Year Yield on cost (5-Year) Range
Min: 2.22  Med: 4.22 Max: 6.39
Current: 4.45
2.22
6.39
Share Buyback Rate 5.10
PBCT's Share Buyback Rate is ranked higher than
96% of the 997 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.90 vs. PBCT: 5.10 )
Ranked among companies with meaningful Share Buyback Rate only.
PBCT' s 10-Year Share Buyback Rate Range
Min: 5.1  Med: -1.30 Max: -28.1
Current: 5.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.93
PBCT's Price/Tangible Book is ranked lower than
81% of the 1328 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.18 vs. PBCT: 1.93 )
Ranked among companies with meaningful Price/Tangible Book only.
PBCT' s 10-Year Price/Tangible Book Range
Min: 0.65  Med: 1.37 Max: 5.12
Current: 1.93
0.65
5.12
Price/Projected FCF 0.69
PBCT's Price/Projected FCF is ranked lower than
51% of the 775 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.67 vs. PBCT: 0.69 )
Ranked among companies with meaningful Price/Projected FCF only.
PBCT' s 10-Year Price/Projected FCF Range
Min: 0.2  Med: 0.78 Max: 10.54
Current: 0.69
0.2
10.54
Price/DCF (Earnings Based) 2.37
PBCT's Price/DCF (Earnings Based) is ranked lower than
98% of the 56 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.77 vs. PBCT: 2.37 )
Ranked among companies with meaningful Price/DCF (Earnings Based) only.
N/A
Price/Median PS Value 0.79
PBCT's Price/Median PS Value is ranked higher than
86% of the 1280 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.09 vs. PBCT: 0.79 )
Ranked among companies with meaningful Price/Median PS Value only.
PBCT' s 10-Year Price/Median PS Value Range
Min: 0.17  Med: 0.75 Max: 20.5
Current: 0.79
0.17
20.5
Price/Peter Lynch Fair Value 0.79
PBCT's Price/Peter Lynch Fair Value is ranked higher than
62% of the 358 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.98 vs. PBCT: 0.79 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
PBCT' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.41  Med: 1.21 Max: 6.72
Current: 0.79
0.41
6.72
Price/Graham Number 1.29
PBCT's Price/Graham Number is ranked lower than
81% of the 1155 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.86 vs. PBCT: 1.29 )
Ranked among companies with meaningful Price/Graham Number only.
PBCT' s 10-Year Price/Graham Number Range
Min: 0.42  Med: 1.17 Max: 3.39
Current: 1.29
0.42
3.39
Earnings Yield (Greenblatt) (%) 5.13
PBCT's Earnings Yield (Greenblatt) (%) is ranked lower than
62% of the 1372 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.70 vs. PBCT: 5.13 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
PBCT' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 1.4  Med: 4.90 Max: 10.5
Current: 5.13
1.4
10.5
Forward Rate of Return (Yacktman) (%) 28.38
PBCT's Forward Rate of Return (Yacktman) (%) is ranked higher than
75% of the 765 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.43 vs. PBCT: 28.38 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
PBCT' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: 1.7  Med: 5.90 Max: 30.8
Current: 28.38
1.7
30.8

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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