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Also traded in: Germany

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 0.25
PBCT's Cash-to-Debt is ranked lower than
85% of the 1659 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. PBCT: 0.25 )
Ranked among companies with meaningful Cash-to-Debt only.
PBCT' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.1  Med: 0.51 Max: No Debt
Current: 0.25
Equity-to-Asset 0.13
PBCT's Equity-to-Asset is ranked higher than
76% of the 1628 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. PBCT: 0.13 )
Ranked among companies with meaningful Equity-to-Asset only.
PBCT' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.05  Med: 0.09 Max: 0.34
Current: 0.13
0.05
0.34
Interest Coverage 2.63
PBCT's Interest Coverage is ranked higher than
62% of the 1586 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.72 vs. PBCT: 2.63 )
Ranked among companies with meaningful Interest Coverage only.
PBCT' s Interest Coverage Range Over the Past 10 Years
Min: 0.73  Med: 2.43 Max: 3.48
Current: 2.63
0.73
3.48
Beneish M-Score: -2.39
WACC vs ROIC
5.65%
3.46%
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 : 6/10

vs
industry
vs
history
Operating Margin % 31.51
PBCT's Operating Margin % is ranked lower than
51% of the 1666 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.66 vs. PBCT: 31.51 )
Ranked among companies with meaningful Operating Margin % only.
PBCT' s Operating Margin % Range Over the Past 10 Years
Min: 13.11  Med: 28.91 Max: 33.44
Current: 31.51
13.11
33.44
Net Margin % 21.79
PBCT's Net Margin % is ranked lower than
53% of the 1667 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.77 vs. PBCT: 21.79 )
Ranked among companies with meaningful Net Margin % only.
PBCT' s Net Margin % Range Over the Past 10 Years
Min: 8.84  Med: 19.27 Max: 22.2
Current: 21.79
8.84
22.2
ROE % 5.69
PBCT's ROE % is ranked lower than
71% of the 1667 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.51 vs. PBCT: 5.69 )
Ranked among companies with meaningful ROE % only.
PBCT' s ROE % Range Over the Past 10 Years
Min: 1.66  Med: 4.79 Max: 5.69
Current: 5.69
1.66
5.69
ROA % 0.72
PBCT's ROA % is ranked lower than
62% of the 1672 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.91 vs. PBCT: 0.72 )
Ranked among companies with meaningful ROA % only.
PBCT' s ROA % Range Over the Past 10 Years
Min: 0.37  Med: 0.73 Max: 1.23
Current: 0.72
0.37
1.23
3-Year Revenue Growth Rate 3.10
PBCT's 3-Year Revenue Growth Rate is ranked lower than
57% of the 1400 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.30 vs. PBCT: 3.10 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
PBCT' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -30.8  Med: 6.5 Max: 17.5
Current: 3.1
-30.8
17.5
3-Year EBITDA Growth Rate 5.20
PBCT's 3-Year EBITDA Growth Rate is ranked lower than
54% of the 1310 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. PBCT: 5.20 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
PBCT' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -66.8  Med: 5.5 Max: 171
Current: 5.2
-66.8
171
3-Year EPS without NRI Growth Rate 7.50
PBCT's 3-Year EPS without NRI Growth Rate is ranked higher than
51% of the 1268 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. PBCT: 7.50 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
PBCT' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -47.2  Med: 6.3 Max: 135.3
Current: 7.5
-47.2
135.3
GuruFocus has detected 3 Warning Signs with People's United Financial Inc $PBCT.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» PBCT's 30-Y Financials

Financials (Next Earnings Date: 2017-10-20 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

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Preferred stocks of People's United Financial Inc

SymbolPriceYieldDescription
PBCTP28.342.49A

Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522120    SIC: 6035
Compare:NAS:OZRK, NYSE:CFR, NAS:CBSH, NAS:PACW, NAS:BOKF, NYSE:SNV, NYSE:WAL, NYSE:CIT, NAS:PVTB, NYSE:WBS, NAS:SBNY, NAS:TFSL, NYSE:FNB, NYSE:PB, NAS:FCNCA, NAS:WTFC, NAS:UBSI, NAS:BPOP, NAS:IBKC, NAS:UMPQ » details
Traded in other countries:PP21.Germany,
Headquarter Location:USA
People's United Financial Inc is a bank holding company. It provides commercial banking, retail and business banking, and wealth management services to individual, corporate and municipal customers.

People's United Financial Inc has nearly $39 billion of assets. People's United Bank is one of the New England-based banks and among the top 50 in the U.S. Of the bank's 405 locations, 40% are in Connecticut, where it ranks third by deposit market share. It also ranks among the top 10 in Vermont, New Hampshire, and Maine. The bank offers brokerage, financial advisory and wealth management, and insurance services. Commercial real estate accounts for 35% of the loan book, C&I and equipment financing accounts for another 35%, and the rest is in mortgages and consumer.

Ratios

vs
industry
vs
history
PE Ratio 18.71
PBCT's PE Ratio is ranked lower than
68% of the 1552 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.61 vs. PBCT: 18.71 )
Ranked among companies with meaningful PE Ratio only.
PBCT' s PE Ratio Range Over the Past 10 Years
Min: 16.21  Med: 22.3 Max: 80.04
Current: 18.71
16.21
80.04
Forward PE Ratio 19.01
PBCT's Forward PE Ratio is ranked lower than
81% of the 384 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.67 vs. PBCT: 19.01 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 18.71
PBCT's PE Ratio without NRI is ranked lower than
69% of the 1551 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.65 vs. PBCT: 18.71 )
Ranked among companies with meaningful PE Ratio without NRI only.
PBCT' s PE Ratio without NRI Range Over the Past 10 Years
Min: 16.21  Med: 22.3 Max: 75.11
Current: 18.71
16.21
75.11
Price-to-Owner-Earnings 26.81
PBCT's Price-to-Owner-Earnings is ranked lower than
85% of the 906 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.97 vs. PBCT: 26.81 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
PBCT' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 13.51  Med: 26.49 Max: 1085
Current: 26.81
13.51
1085
PB Ratio 1.09
PBCT's PB Ratio is ranked higher than
57% of the 1629 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. PBCT: 1.09 )
Ranked among companies with meaningful PB Ratio only.
PBCT' s PB Ratio Range Over the Past 10 Years
Min: 0.72  Med: 1.01 Max: 4.85
Current: 1.09
0.72
4.85
PS Ratio 4.02
PBCT's PS Ratio is ranked lower than
61% of the 1612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.37 vs. PBCT: 4.02 )
Ranked among companies with meaningful PS Ratio only.
PBCT' s PS Ratio Range Over the Past 10 Years
Min: 3.17  Med: 4.04 Max: 47.77
Current: 4.02
3.17
47.77
Price-to-Free-Cash-Flow 15.33
PBCT's Price-to-Free-Cash-Flow is ranked lower than
66% of the 880 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.48 vs. PBCT: 15.33 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
PBCT' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 9.42  Med: 26.25 Max: 209.9
Current: 15.33
9.42
209.9
Price-to-Operating-Cash-Flow 13.48
PBCT's Price-to-Operating-Cash-Flow is ranked lower than
65% of the 959 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.18 vs. PBCT: 13.48 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
PBCT' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 7.91  Med: 19.59 Max: 158.19
Current: 13.48
7.91
158.19
EV-to-EBIT 20.60
PBCT's EV-to-EBIT is ranked lower than
73% of the 1272 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.20 vs. PBCT: 20.60 )
Ranked among companies with meaningful EV-to-EBIT only.
PBCT' s EV-to-EBIT Range Over the Past 10 Years
Min: 10.3  Med: 20.9 Max: 121.6
Current: 20.6
10.3
121.6
EV-to-EBITDA 17.99
PBCT's EV-to-EBITDA is ranked lower than
72% of the 1277 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.93 vs. PBCT: 17.99 )
Ranked among companies with meaningful EV-to-EBITDA only.
PBCT' s EV-to-EBITDA Range Over the Past 10 Years
Min: 8  Med: 17.95 Max: 109.2
Current: 17.99
8
109.2
PEG Ratio 2.27
PBCT's PEG Ratio is ranked lower than
66% of the 853 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.41 vs. PBCT: 2.27 )
Ranked among companies with meaningful PEG Ratio only.
PBCT' s PEG Ratio Range Over the Past 10 Years
Min: 0.68  Med: 1.79 Max: 14.71
Current: 2.27
0.68
14.71
Shiller PE Ratio 26.19
PBCT's Shiller PE Ratio is ranked lower than
66% of the 510 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.16 vs. PBCT: 26.19 )
Ranked among companies with meaningful Shiller PE Ratio only.
PBCT' s Shiller PE Ratio Range Over the Past 10 Years
Min: 23.47  Med: 30.35 Max: 41.83
Current: 26.19
23.47
41.83

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 3.92
PBCT's Dividend Yield % is ranked higher than
71% of the 2337 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.66 vs. PBCT: 3.92 )
Ranked among companies with meaningful Dividend Yield % only.
PBCT' s Dividend Yield % Range Over the Past 10 Years
Min: 2.1  Med: 4.29 Max: 5.9
Current: 3.92
2.1
5.9
Dividend Payout Ratio 0.73
PBCT's Dividend Payout Ratio is ranked lower than
79% of the 1342 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.32 vs. PBCT: 0.73 )
Ranked among companies with meaningful Dividend Payout Ratio only.
PBCT' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.73  Med: 0.94 Max: 2.58
Current: 0.73
0.73
2.58
3-Year Dividend Growth Rate 1.50
PBCT's 3-Year Dividend Growth Rate is ranked lower than
72% of the 805 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. PBCT: 1.50 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
PBCT' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: 8.1 Max: 81.1
Current: 1.5
0
81.1
Forward Dividend Yield % 3.99
PBCT's Forward Dividend Yield % is ranked higher than
71% of the 2234 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.88 vs. PBCT: 3.99 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 4.27
PBCT's 5-Year Yield-on-Cost % is ranked higher than
60% of the 2672 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.41 vs. PBCT: 4.27 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
PBCT' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.26  Med: 4.61 Max: 6.36
Current: 4.27
2.26
6.36
3-Year Average Share Buyback Ratio -1.00
PBCT's 3-Year Average Share Buyback Ratio is ranked higher than
57% of the 1086 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 vs. PBCT: -1.00 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
PBCT' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -28.9  Med: -0.9 Max: 5.1
Current: -1
-28.9
5.1

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.92
PBCT's Price-to-Tangible-Book is ranked lower than
75% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. PBCT: 1.92 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
PBCT' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.09  Med: 1.25 Max: 5.12
Current: 1.92
0.09
5.12
Price-to-Intrinsic-Value-Projected-FCF 0.72
PBCT's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
58% of the 916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. PBCT: 0.72 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
PBCT' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.19  Med: 0.6 Max: 1.82
Current: 0.72
0.19
1.82
Price-to-Intrinsic-Value-DCF (Earnings Based) 1.20
PBCT's Price-to-Intrinsic-Value-DCF (Earnings Based) is ranked lower than
70% of the 145 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. PBCT: 1.20 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-DCF (Earnings Based) only.
N/A
Price-to-Median-PS-Value 1.00
PBCT's Price-to-Median-PS-Value is ranked higher than
71% of the 1561 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. PBCT: 1.00 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
PBCT' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.04  Med: 0.57 Max: 11.42
Current: 1
0.04
11.42
Price-to-Peter-Lynch-Fair-Value 2.48
PBCT's Price-to-Peter-Lynch-Fair-Value is ranked lower than
83% of the 464 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. PBCT: 2.48 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
PBCT' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.27  Med: 1.47 Max: 10.69
Current: 2.48
0.27
10.69
Price-to-Graham-Number 1.26
PBCT's Price-to-Graham-Number is ranked lower than
72% of the 1460 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.94 vs. PBCT: 1.26 )
Ranked among companies with meaningful Price-to-Graham-Number only.
PBCT' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.2  Med: 1.03 Max: 5.59
Current: 1.26
0.2
5.59
Earnings Yield (Greenblatt) % 4.84
PBCT's Earnings Yield (Greenblatt) % is ranked lower than
56% of the 1671 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.85 vs. PBCT: 4.84 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
PBCT' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 0.8  Med: 4.8 Max: 9.7
Current: 4.84
0.8
9.7
Forward Rate of Return (Yacktman) % 13.65
PBCT's Forward Rate of Return (Yacktman) % is ranked higher than
57% of the 955 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.14 vs. PBCT: 13.65 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
PBCT' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: -3.8  Med: 9 Max: 29.4
Current: 13.65
-3.8
29.4

More Statistics

Revenue (TTM) (Mil) $1,325.80
EPS (TTM) $ 0.93
Beta0.97
Short Percentage of Float11.67%
52-Week Range $13.80 - 20.13
Shares Outstanding (Mil)344.35

Analyst Estimate

Dec17 Dec18 Dec19
Revenue (Mil $) 1,447 1,556
EPS ($) 0.91 0.98 1.10
EPS without NRI ($) 0.91 0.98 1.10
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($)
» More Articles for PBCT

Headlines

Articles On GuruFocus.com
PEOPLE'S UNITED BANK Announces Innovative and Enhanced Mobile Banking App May 24 2017 
People's United Bank Welcomes Ken Jamison As Managing Director Of Loan Syndications Apr 24 2017 
People's United Financial Declares Cash Dividend on Preferred Stock Apr 20 2017 
People's United Financial, Inc. Completes Acquisition of Suffolk Bancorp Apr 03 2017 
10 Undervalued Companies for Dividend Stock Investors Mar 21 2017 
10 Undervalued Companies for the Defensive Dividend Stock Investor - July Jul 31 2016 
5 Companies Near 52-Week Lows for the Defensive Investor Jul 08 2016 
10 Undervalued Companies for the Defensive Dividend Stock Investor - June Jul 03 2016 
9 Best Stocks for Value Investors This Week Jun 28 2016 
Charles Brandes' Top Growth Stocks Apr 07 2015 

More From Other Websites
People’s United Financial, Inc. breached its 50 day moving average in a Bearish Manner : PBCT-US :... Jun 23 2017
People's United Financial Schedules Conference Call To Review Second Quarter 2017 Results Jun 15 2017
People’s United Financial, Inc. breached its 50 day moving average in a Bullish Manner : PBCT-US :... Jun 12 2017
ETFs with exposure to People’s United Financial, Inc. : June 6, 2017 Jun 06 2017
People’s United Financial, Inc. :PBCT-US: Earnings Analysis: Q1, 2017 By the Numbers : June 5,... Jun 05 2017
PEOPLE'S UNITED BANK Announces Innovative and Enhanced Mobile Banking App May 24 2017
Why Is People's United (PBCT) Down 4.6% Since the Last Earnings Report? May 24 2017
People’s United Financial, Inc. : PBCT-US: Dividend Analysis : May 01st, 2017 (record date) : By... Apr 27 2017
People's United Bank Welcomes Ken Jamison As Managing Director Of Loan Syndications Apr 24 2017
Edited Transcript of PBCT earnings conference call or presentation 20-Apr-17 12:00pm GMT Apr 21 2017
People's United (PBCT) Q1 Earnings in Line, Dividend Up Apr 21 2017
People's United Financial Declares Cash Dividend on Preferred Stock Apr 20 2017
People's United meets 1Q profit forecasts Apr 20 2017
People's United Financial Reports First Quarter Net Income of $70.8 Million, or $0.22 Per Common... Apr 20 2017
People's United Buys Suffolk Bancorp to Expand in New York Apr 04 2017
People's United Financial, Inc. Completes Acquisition of Suffolk Bancorp Apr 03 2017
Why People's United Should Be Part of Your Portfolio Now Mar 28 2017
Bigger Bank Deals Get Green Light With Fed's Easing of Merger Hurdle Mar 17 2017

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