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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 lower than
51% of the 1259 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.42 vs. PBCT: 0.15 )
PBCT' s 10-Year Cash to Debt Range
Min: 0.11   Max: No Debt
Current: 0.15

Equity to Asset 0.14
PBCT's Equity to Asset is ranked higher than
91% of the 1649 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.09 vs. PBCT: 0.14 )
PBCT' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.34
Current: 0.14

0.07
0.34
Interest Coverage 2.93
PBCT's Interest Coverage is ranked higher than
83% of the 1447 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.20 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: 0.19
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 (%) 27.75
PBCT's Operating margin (%) is ranked higher than
72% of the 1594 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 29.40 vs. PBCT: 27.75 )
PBCT' s 10-Year Operating margin (%) Range
Min: -2.97   Max: 34.99
Current: 27.75

-2.97
34.99
Net-margin (%) 19.02
PBCT's Net-margin (%) is ranked higher than
70% of the 1613 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.45 vs. PBCT: 19.02 )
PBCT' s 10-Year Net-margin (%) Range
Min: 8.84   Max: 41.8
Current: 19.02

8.84
41.8
ROE (%) 5.09
PBCT's ROE (%) is ranked higher than
62% of the 1615 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.13 vs. PBCT: 5.09 )
PBCT' s 10-Year ROE (%) Range
Min: 1.64   Max: 16.64
Current: 5.09

1.64
16.64
ROA (%) 0.70
PBCT's ROA (%) is ranked higher than
70% of the 1616 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.75 vs. PBCT: 0.70 )
PBCT' s 10-Year ROA (%) Range
Min: 0.34   Max: 1.86
Current: 0.7

0.34
1.86
ROC (Joel Greenblatt) (%) 111.51
PBCT's ROC (Joel Greenblatt) (%) is ranked higher than
82% of the 1569 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 73.85 vs. PBCT: 111.51 )
PBCT' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -9.56   Max: 143.3
Current: 111.51

-9.56
143.3
Revenue Growth (%) 12.50
PBCT's Revenue Growth (%) is ranked higher than
93% of the 1443 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.00 vs. PBCT: 12.50 )
PBCT' s 10-Year Revenue Growth (%) Range
Min: -29.7   Max: 15.9
Current: 12.5

-29.7
15.9
EBITDA Growth (%) 31.60
PBCT's EBITDA Growth (%) is ranked higher than
93% of the 1280 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.70 vs. PBCT: 31.60 )
PBCT' s 10-Year EBITDA Growth (%) Range
Min: -58.5   Max: 178.1
Current: 31.6

-58.5
178.1
EPS Growth (%) 45.50
PBCT's EPS Growth (%) is ranked higher than
94% of the 1283 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

Q2 2013

PBCT Guru Trades in Q2 2013

Jim Simons 83,028 sh (New)
John Keeley 18,600 sh (+33.81%)
Louis Moore Bacon 175,000 sh (unchged)
Jeremy Grantham 88,545 sh (-1.88%)
Joel Greenblatt 12,188 sh (-2.87%)
James Barrow 9,163,031 sh (-5.37%)
Charles Brandes 90,018 sh (-78.97%)
» More
Q3 2013

PBCT Guru Trades in Q3 2013

Pioneer Investments 436,231 sh (New)
Paul Tudor Jones 31,000 sh (New)
Steven Cohen 27,851 sh (New)
Jim Simons 944,728 sh (+1037.84%)
James Barrow 10,709,574 sh (+16.88%)
John Keeley 20,600 sh (+10.75%)
Joel Greenblatt 12,203 sh (+0.12%)
Jeremy Grantham 79,363 sh (-10.37%)
Charles Brandes 80,057 sh (-11.07%)
» More
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
John Keeley Sold Out
Jim Simons 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
» Details

Insider Trades

Latest Guru Trades with PBCT

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
John Keeley 2014-03-31 Sold Out 0.01%$13.84 - $15.59 $ 14.942%0
Joel Greenblatt 2014-03-31 Sold Out $13.84 - $15.59 $ 14.942%0
Charles Brandes 2013-06-30 Reduce -78.97%0.05%$12.76 - $14.95 $ 14.9410%90018
John Keeley 2013-06-30 Add 33.81%$12.76 - $14.95 $ 14.9410%18600
Michael Price 2013-03-31 Sold Out 0.53%$12.09 - $13.55 $ 14.9416%0
Joel Greenblatt 2013-03-31 New Buy0.01%$12.09 - $13.55 $ 14.9416%12548
John Keeley 2013-03-31 New Buy$12.09 - $13.55 $ 14.9416%13900
Michael Price 2012-12-31 New Buy0.53%$11.39 - $12.48 $ 14.9424%310000
James Barrow 2012-12-31 Add 23.74%0.04%$11.39 - $12.48 $ 14.9424%9506100
James Barrow 2012-09-30 New Buy0.19%$11.35 - $12.45 $ 14.9426%7682400
Ray Dalio 2012-06-30 Sold Out 0.15%$11.32 - $13.39 $ 14.9424%0
Ray Dalio 2012-03-31 New Buy0.15%$12.25 - $13.66 $ 14.9424%706215
Mario Gabelli 2011-12-31 Sold Out 0.0014%$11.14 - $13.02 $ 14.9421%0
Ray Dalio 2011-09-30 Sold Out 0.0034%$10.56 - $13.78 $ 14.9423%0
Mario Gabelli 2011-09-30 New Buy$10.56 - $13.78 $ 14.9422%13095
Premium More recent guru trades are included for Premium Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 19.70
PBCT's P/E(ttm) is ranked higher than
64% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.40 vs. PBCT: 19.70 )
PBCT' s 10-Year P/E(ttm) Range
Min: 8.22   Max: 61.87
Current: 19.7

8.22
61.87
P/B 1.00
PBCT's P/B is ranked higher than
78% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.15 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 3.70
PBCT's P/S is ranked higher than
63% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.10 vs. PBCT: 3.70 )
PBCT' s 10-Year P/S Range
Min: 3.16   Max: 21.36
Current: 3.7

3.16
21.36
PFCF 14.00
PBCT's PFCF is ranked higher than
71% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 26.04 vs. PBCT: 14.00 )
PBCT' s 10-Year PFCF Range
Min: 0.98   Max: 136.6
Current: 14

0.98
136.6
EV-to-EBIT 21.41
PBCT's EV-to-EBIT is ranked higher than
68% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 18.36 vs. PBCT: 21.41 )
PBCT' s 10-Year EV-to-EBIT Range
Min: 9.5   Max: 86.4
Current: 21.41

9.5
86.4
PEG 0.80
PBCT's PEG is ranked higher than
88% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.50 vs. PBCT: 0.80 )
PBCT' s 10-Year PEG Range
Min: 0.8   Max: 42.34
Current: 0.8

0.8
42.34
Shiller P/E 27.60
PBCT's Shiller P/E is ranked higher than
79% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 98.15 vs. PBCT: 27.60 )
PBCT' s 10-Year Shiller P/E Range
Min: 10.81   Max: 32.58
Current: 27.6

10.81
32.58

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 4.30
PBCT's Dividend Yield is ranked higher than
84% of the 1405 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.43 vs. PBCT: 4.30 )
PBCT' s 10-Year Dividend Yield Range
Min: 1.86   Max: 5.9
Current: 4.3

1.86
5.9
Dividend Payout 0.85
PBCT's Dividend Payout is ranked higher than
71% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. PBCT: 0.85 )
PBCT' s 10-Year Dividend Payout Range
Min: 0.1   Max: 7.2
Current: 0.85

0.1
7.2
Dividend growth (3y) 1.60
PBCT's Dividend growth (3y) is ranked higher than
70% of the 962 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.70 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) 4.76
PBCT's Yield on cost (5-Year) is ranked higher than
76% of the 1367 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.63 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 1242 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 1.90
PBCT's Price/Tangible Book is ranked higher than
61% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.35 vs. PBCT: 1.90 )
PBCT' s 10-Year Price/Tangible Book Range
Min: 0.48   Max: 5.12
Current: 1.9

0.48
5.12
Price/DCF (Projected) 0.70
PBCT's Price/DCF (Projected) is ranked higher than
83% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.48 vs. PBCT: 0.70 )
PBCT' s 10-Year Price/DCF (Projected) Range
Min: 0.2   Max: 4.6
Current: 0.7

0.2
4.6
Price/Median PS Value 0.80
PBCT's Price/Median PS Value is ranked higher than
93% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.11 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/Peter Lynch Fair Value 0.90
PBCT's Price/Peter Lynch Fair Value is ranked higher than
92% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. PBCT: 0.90 )
PBCT' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.4   Max: 6.72
Current: 0.9

0.4
6.72
Price/Graham Number 1.30
PBCT's Price/Graham Number is ranked higher than
63% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.05 vs. PBCT: 1.30 )
PBCT' s 10-Year Price/Graham Number Range
Min: 0.37   Max: 3.39
Current: 1.3

0.37
3.39
Earnings Yield (Greenblatt) 4.70
PBCT's Earnings Yield (Greenblatt) is ranked higher than
59% of the 1588 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.90 vs. PBCT: 4.70 )
PBCT' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.2   Max: 10.5
Current: 4.7

1.2
10.5
Forward Rate of Return (Yacktman) 25.62
PBCT's Forward Rate of Return (Yacktman) is ranked higher than
83% of the 1260 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.98 vs. PBCT: 25.62 )
PBCT' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -13.6   Max: 26.7
Current: 25.62

-13.6
26.7

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 a savings and loan holding company incorporated under the state laws of Delaware and the holding company for People's United Bank, a federally-chartered stock savings bank headquartered in Bridgeport, Connecticut. The main business of People's United Financial is to provide commercial banking, retail and business banking, and wealth management services to individual, corporate and municipal customers. People's United Bank, which is a federally-chartered stock savings bank, provides a full range of traditional banking services, including accepting deposits and originating loans, as well as specialized financial services through its nonbank subsidiaries, including: brokerage, financial advisory services, investment management services and life insurance through People's Securities, Inc. and Chittenden Securities, LLC; equipment financing through People's Capital and Leasing Corp. 'PCLC'; and other insurance services through R.C. Knox and Company, Inc. and Chittenden Insurance Group, LLC. This full range of financial services is delivered through a network of 372 branches located in Connecticut, Massachusetts, Vermont, New York, New Hampshire and Maine, including 87 full-service Stop & Shop supermarket branches throughout Connecticut that provide customers with seven-day-a-week banking. People's United Bank's 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. The Company's operations are divided into three primary business segments that represent its core businesses: Commercial Banking; Retail and Business Banking; and Wealth Management. Commercial Banking consists principally of commercial and industrial lending, commercial real estate 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. Retail and Business Banking includes, as its principal business lines, consumer and business deposit gathering activities, consumer lending (including residential mortgage and home equity), business lending and merchant services. Wealth Management consists of trust services, corporate trust, brokerage, financial advisory services, investment management services and life insurance provided by PSI, other insurance services provided through PUIA and private banking. In addition, the Treasury area manages People's United Financial' s securities portfolio, short-term investments and securities purchased under agreements to resell, and wholesale borrowings. The Company competes with other banks, credit unions, credit card issuers, finance companies, mortgage lenders and mortgage brokers for loans. Insurance companies also compete with People's United Financial for some kinds of commercial loans.
» More Articles for PBCT

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