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PEOPLE'S UNITED FINANCIAL (PBCT) Stock Fundamental Analysis

USA - NASDAQ:PBCT - Common Stock

19.41
-0.58 (-2.9%)
Last: 4/1/2022, 8:00:02 PM
19.46
+0.05 (+0.26%)
After Hours: 4/1/2022, 8:00:02 PM
Fundamental Rating

2

We assign a fundamental rating of 2 out of 10 to PBCT. PBCT was compared to 390 industry peers in the Banks industry. PBCT has a bad profitability rating. Also its financial health evaluation is rather negative. PBCT does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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0

1. Profitability

1.1 Basic Checks

PBCT had positive earnings in the past year.
PBCT Yearly Net Income VS EBIT VS OCF VS FCFPBCT Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 200M 400M 600M 800M 1B

1.2 Ratios

Industry RankSector Rank
ROA 0.94%
ROE 7.66%
ROIC N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
PBCT Yearly ROA, ROE, ROICPBCT Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2 4 6

1.3 Margins

PBCT does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 31.96%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
PBCT Yearly Profit, Operating, Gross MarginsPBCT Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 10 20 30

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1

2. Health

2.1 Basic Checks

Compared to 1 year ago, PBCT has more shares outstanding
Compared to 1 year ago, PBCT has an improved debt to assets ratio.
PBCT Yearly Shares OutstandingPBCT Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 100M 200M 300M 400M
PBCT Yearly Total Debt VS Total AssetsPBCT Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 20B 40B 60B

2.2 Solvency

PBCT has a Debt/Equity ratio of 0.13. This is a healthy value indicating a solid balance between debt and equity.
Industry RankSector Rank
Debt/Equity 0.13
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACCN/A
PBCT Yearly LT Debt VS Equity VS FCFPBCT Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2B 4B 6B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A

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3

3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 16.67% over the past year.
Measured over the past years, PBCT shows a quite strong growth in Earnings Per Share. The EPS has been growing by 9.59% on average per year.
Looking at the last year, PBCT shows a decrease in Revenue. The Revenue has decreased by -8.50% in the last year.
The Revenue has been growing slightly by 7.56% on average over the past years.
EPS 1Y (TTM)16.67%
EPS 3Y4.45%
EPS 5Y9.59%
EPS Q2Q%2.86%
Revenue 1Y (TTM)-8.5%
Revenue growth 3Y5.71%
Revenue growth 5Y7.56%
Sales Q2Q%-17.72%

3.2 Future

PBCT is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -2.99% yearly.
The Revenue is expected to grow by 1.24% on average over the next years.
EPS Next Y-11.34%
EPS Next 2Y-3.21%
EPS Next 3Y-3.38%
EPS Next 5Y-2.99%
Revenue Next Year-0.48%
Revenue Next 2Y1.73%
Revenue Next 3Y1.07%
Revenue Next 5Y1.24%

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
PBCT Yearly Revenue VS EstimatesPBCT Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B
PBCT Yearly EPS VS EstimatesPBCT Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1

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2

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 13.20, the valuation of PBCT can be described as correct.
PBCT's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.03.
PBCT is valuated correctly with a Price/Forward Earnings ratio of 14.89.
PBCT's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 22.27.
Industry RankSector Rank
PE 13.2
Fwd PE 14.89
PBCT Price Earnings VS Forward Price EarningsPBCT Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
PBCT Per share dataPBCT EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

PBCT's earnings are expected to decrease with -3.38% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)1.38
EPS Next 2Y-3.21%
EPS Next 3Y-3.38%

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4

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.76%, PBCT has a reasonable but not impressive dividend return.
PBCT's Dividend Yield is rather good when compared to the S&P500 average which is at 2.38.
Industry RankSector Rank
Dividend Yield 3.76%

5.2 History

The dividend of PBCT has a limited annual growth rate of 1.41%.
PBCT has paid a dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)1.41%
Div Incr YearsN/A
Div Non Decr YearsN/A
PBCT Yearly Dividends per sharePBCT Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 0.2 0.4 0.6

5.3 Sustainability

53.22% of the earnings are spent on dividend by PBCT. This is a bit on the high side, but may be sustainable.
The Dividend Rate of PBCT has been growing, while earnings will be declining. This means the dividend growth is most likely not sustainable.
DP53.22%
EPS Next 2Y-3.21%
EPS Next 3Y-3.38%
PBCT Yearly Income VS Free CF VS DividendPBCT Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 200M 400M 600M 800M 1B
PBCT Dividend Payout.PBCT Dividend Payout, showing the Payout Ratio.PBCT Dividend Payout.PayoutRetained Earnings

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PEOPLE'S UNITED FINANCIAL

NASDAQ:PBCT (4/1/2022, 8:00:02 PM)

After market: 19.46 +0.05 (+0.26%)

19.41

-0.58 (-2.9%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-20 2022-01-20/amc
Earnings (Next)04-21 2022-04-21/amc
Inst Owners0%
Inst Owner Change0%
Ins Owners0.21%
Ins Owner Change0%
Market Cap8.34B
Revenue(TTM)1.89B
Net Income(TTM)604.90M
Analysts73.33
Price Target21.45 (10.51%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.76%
Yearly Dividend0.73
Dividend Growth(5Y)1.41%
DP53.22%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 13.2
Fwd PE 14.89
P/S 4.41
P/FCF N/A
P/OCF N/A
P/B 1.06
P/tB N/A
EV/EBITDA N/A
EPS(TTM)1.47
EY7.57%
EPS(NY)1.3
Fwd EY6.71%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS4.41
BVpS18.39
TBVpSN/A
PEG (NY)N/A
PEG (5Y)1.38
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA 0.94%
ROE 7.66%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 31.96%
GM N/A
FCFM N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3Y0%
ROICexgc growth 5Y0%
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.13
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)16.67%
EPS 3Y4.45%
EPS 5Y9.59%
EPS Q2Q%2.86%
EPS Next Y-11.34%
EPS Next 2Y-3.21%
EPS Next 3Y-3.38%
EPS Next 5Y-2.99%
Revenue 1Y (TTM)-8.5%
Revenue growth 3Y5.71%
Revenue growth 5Y7.56%
Sales Q2Q%-17.72%
Revenue Next Year-0.48%
Revenue Next 2Y1.73%
Revenue Next 3Y1.07%
Revenue Next 5Y1.24%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1YN/A
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1YN/A
OCF growth 3YN/A
OCF growth 5YN/A

PEOPLE'S UNITED FINANCIAL / PBCT FAQ

Can you provide the ChartMill fundamental rating for PEOPLE'S UNITED FINANCIAL?

ChartMill assigns a fundamental rating of 3 / 10 to PBCT.


What is the valuation status for PBCT stock?

ChartMill assigns a valuation rating of 4 / 10 to PEOPLE'S UNITED FINANCIAL (PBCT). This can be considered as Fairly Valued.


Can you provide the profitability details for PEOPLE'S UNITED FINANCIAL?

PEOPLE'S UNITED FINANCIAL (PBCT) has a profitability rating of 2 / 10.


Can you provide the financial health for PBCT stock?

The financial health rating of PEOPLE'S UNITED FINANCIAL (PBCT) is 2 / 10.


What is the expected EPS growth for PEOPLE'S UNITED FINANCIAL (PBCT) stock?

The Earnings per Share (EPS) of PEOPLE'S UNITED FINANCIAL (PBCT) is expected to decline by -11.34% in the next year.