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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 0.10
PBCT's Cash to Debt is ranked lower than
51% of the 1748 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.86 vs. PBCT: 0.10 )
PBCT' s 10-Year Cash to Debt Range
Min: 0.1   Max: N/A
Current: 0.1

Equity to Asset 0.13
PBCT's Equity to Asset is ranked higher than
85% of the 2312 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 3.21
PBCT's Interest Coverage is ranked higher than
83% of the 2185 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.17 vs. PBCT: 3.21 )
PBCT' s 10-Year Interest Coverage Range
Min: 0.31   Max: 3.42
Current: 3.21

0.31
3.42
F-Score: 4
Z-Score: 0.20
WACC vs ROIC
5.24%
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
75% of the 2426 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.22 vs. PBCT: 30.60 )
PBCT' s 10-Year Operating margin (%) Range
Min: -2.97   Max: 34.99
Current: 30.6

-2.97
34.99
Net-margin (%) 20.25
PBCT's Net-margin (%) is ranked higher than
71% of the 2426 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.12 vs. PBCT: 20.25 )
PBCT' s 10-Year Net-margin (%) Range
Min: 8.84   Max: 41.8
Current: 20.25

8.84
41.8
ROE (%) 5.56
PBCT's ROE (%) is ranked higher than
62% of the 2426 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.98 vs. PBCT: 5.56 )
PBCT' s 10-Year ROE (%) Range
Min: 1.66   Max: 18.14
Current: 5.56

1.66
18.14
ROA (%) 0.74
PBCT's ROA (%) is ranked higher than
69% of the 2433 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) (%) 138.07
PBCT's ROC (Joel Greenblatt) (%) is ranked higher than
83% of the 2392 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 89.92 vs. PBCT: 138.07 )
PBCT' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -9.3   Max: 153.07
Current: 138.07

-9.3
153.07
Revenue Growth (3Y)(%) 6.50
PBCT's Revenue Growth (3Y)(%) is ranked higher than
84% of the 2094 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.20 vs. PBCT: 6.50 )
PBCT' s 10-Year Revenue Growth (3Y)(%) Range
Min: -29.7   Max: 15.9
Current: 6.5

-29.7
15.9
EBITDA Growth (3Y)(%) 12.00
PBCT's EBITDA Growth (3Y)(%) is ranked higher than
82% of the 1872 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.10 vs. PBCT: 12.00 )
PBCT' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -58.5   Max: 178.1
Current: 12

-58.5
178.1
EPS Growth (3Y)(%) 15.20
PBCT's EPS Growth (3Y)(%) is ranked higher than
82% of the 1904 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.20 vs. PBCT: 15.20 )
PBCT' s 10-Year EPS Growth (3Y)(%) Range
Min: -34.3   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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» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 17.80
PBCT's P/E(ttm) is ranked higher than
72% of the 3227 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 18.40 vs. PBCT: 17.80 )
PBCT' s 10-Year P/E(ttm) Range
Min: 8.22   Max: 61.87
Current: 17.8

8.22
61.87
Forward P/E 15.50
PBCT's Forward P/E is ranked higher than
74% of the 3227 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. PBCT: 15.50 )
N/A
PE(NRI) 17.70
PBCT's PE(NRI) is ranked higher than
74% of the 3227 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 18.40 vs. PBCT: 17.70 )
PBCT' s 10-Year PE(NRI) Range
Min: 16.55   Max: 63.22
Current: 17.7

16.55
63.22
P/B 1.02
PBCT's P/B is ranked higher than
80% of the 3227 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.40 vs. PBCT: 1.02 )
PBCT' s 10-Year P/B Range
Min: 0.72   Max: 4.65
Current: 1.02

0.72
4.65
P/S 3.62
PBCT's P/S is ranked higher than
64% of the 3227 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.73 vs. PBCT: 3.62 )
PBCT' s 10-Year P/S Range
Min: 3.16   Max: 114.89
Current: 3.62

3.16
114.89
PFCF 24.48
PBCT's PFCF is ranked higher than
74% of the 3227 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. PBCT: 24.48 )
PBCT' s 10-Year PFCF Range
Min: 1.04   Max: 436.58
Current: 24.48

1.04
436.58
POCF 18.14
PBCT's POCF is ranked higher than
76% of the 3227 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 194.36 vs. PBCT: 18.14 )
PBCT' s 10-Year POCF Range
Min: 1.03   Max: 363.82
Current: 18.14

1.03
363.82
EV-to-EBIT 19.05
PBCT's EV-to-EBIT is ranked higher than
72% of the 3227 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 20.17 vs. PBCT: 19.05 )
PBCT' s 10-Year EV-to-EBIT Range
Min: -658.6   Max: 74
Current: 19.05

-658.6
74
PEG 0.80
PBCT's PEG is ranked higher than
94% of the 3226 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. PBCT: 0.80 )
PBCT' s 10-Year PEG Range
Min: 0.66   Max: 11.08
Current: 0.8

0.66
11.08
Shiller P/E 25.29
PBCT's Shiller P/E is ranked higher than
79% of the 3226 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. PBCT: 25.29 )
PBCT' s 10-Year Shiller P/E Range
Min: 13.79   Max: 31.64
Current: 25.29

13.79
31.64

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 4.30
PBCT's Dividend Yield is ranked higher than
81% of the 2288 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.49 vs. PBCT: 4.30 )
PBCT' s 10-Year Dividend Yield Range
Min: 2.05   Max: 5.9
Current: 4.3

2.05
5.9
Dividend Payout 0.77
PBCT's Dividend Payout is ranked higher than
64% of the 3227 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.69 vs. PBCT: 0.77 )
PBCT' s 10-Year Dividend Payout Range
Min: 0.1   Max: 7.2
Current: 0.77

0.1
7.2
Dividend growth (3y) 1.60
PBCT's Dividend growth (3y) is ranked higher than
68% of the 1377 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.10 vs. PBCT: 1.60 )
PBCT' s 10-Year Dividend growth (3y) Range
Min: 1.6   Max: 26.8
Current: 1.6

1.6
26.8
Yield on cost (5-Year) 4.66
PBCT's Yield on cost (5-Year) is ranked higher than
73% of the 2296 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.82 vs. PBCT: 4.66 )
PBCT' s 10-Year Yield on cost (5-Year) Range
Min: 2.22   Max: 6.39
Current: 4.66

2.22
6.39
Share Buyback Rate 5.10
PBCT's Share Buyback Rate is ranked higher than
95% of the 1722 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.70 vs. PBCT: 5.10 )
PBCT' s 10-Year Share Buyback Rate Range
Min: 5.1   Max: -28.1
Current: 5.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.84
PBCT's Price/Tangible Book is ranked higher than
64% of the 3227 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.66 vs. PBCT: 1.84 )
PBCT' s 10-Year Price/Tangible Book Range
Min: 0.57   Max: 5.12
Current: 1.84

0.57
5.12
Price/DCF (Projected) 0.66
PBCT's Price/DCF (Projected) is ranked higher than
88% of the 3227 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. PBCT: 0.66 )
PBCT' s 10-Year Price/DCF (Projected) Range
Min: 0.2   Max: 10.54
Current: 0.66

0.2
10.54
Price/Median PS Value 0.75
PBCT's Price/Median PS Value is ranked higher than
95% of the 3227 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.30 vs. PBCT: 0.75 )
PBCT' s 10-Year Price/Median PS Value Range
Min: 0.17   Max: 20.5
Current: 0.75

0.17
20.5
Price/Peter Lynch Fair Value 0.75
PBCT's Price/Peter Lynch Fair Value is ranked higher than
96% of the 3227 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. PBCT: 0.75 )
PBCT' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.41   Max: 6.72
Current: 0.75

0.41
6.72
Price/Graham Number 1.23
PBCT's Price/Graham Number is ranked higher than
68% of the 3227 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.20 vs. PBCT: 1.23 )
PBCT' s 10-Year Price/Graham Number Range
Min: 0.42   Max: 3.39
Current: 1.23

0.42
3.39
Earnings Yield (Greenblatt) 5.20
PBCT's Earnings Yield (Greenblatt) is ranked higher than
65% of the 2417 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.50 vs. PBCT: 5.20 )
PBCT' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.4   Max: 10.5
Current: 5.2

1.4
10.5
Forward Rate of Return (Yacktman) 28.61
PBCT's Forward Rate of Return (Yacktman) is ranked higher than
84% of the 1444 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.67 vs. PBCT: 28.61 )
PBCT' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 1.7   Max: 30.8
Current: 28.61

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
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