PEOPLE'S UNITED FINANCIAL (PBCT)
Common Stock
Taking everything into account, PBCT scores 2 out of 10 in our fundamental rating. PBCT was compared to 412 industry peers in the Banks industry. PBCT has a bad profitability rating. Also its financial health evaluation is rather negative. PBCT has a expensive valuation and it also scores bad on growth.
1. Profitability
1.1 Basic Checks
In the past year PBCT was profitable.
In the past 5 years PBCT has always been profitable.
Each year in the past 5 years PBCT had a positive operating cash flow.
1.2 Ratios
| Industry Rank | Sector 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
1.3 Margins
The Operating Margin and Gross Margin are not available for PBCT so they could not be analyzed.
| Industry Rank | Sector 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
2. Health
2.1 Basic Checks
PBCT has more shares outstanding than it did 1 year ago.
PBCT has a better debt/assets ratio than last year.
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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.13 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 16.67% over the past year.
The Earnings Per Share has been growing by 9.59% on average over the past years. This is quite good.
PBCT shows a decrease in Revenue. In the last year, the revenue decreased by -8.50%.
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 growth Q2Q2.86%
Revenue 1Y (TTM)-8.5%
Revenue growth 3Y5.71%
Revenue growth 5Y7.56%
Revenue growth Q2Q-17.72%
3.2 Future
The Earnings Per Share is expected to decrease by -2.99% on average over the next years.
Based on estimates for the next years, PBCT will show a small growth in Revenue. The Revenue will grow by 1.24% on average per year.
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.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 13.20 indicates a correct valuation of PBCT.
When comparing the Price/Earnings ratio of PBCT to the average of the S&P500 Index (28.28), we can say PBCT is valued rather cheaply.
The Price/Forward Earnings ratio is 14.89, which indicates a correct valuation of PBCT.
When comparing the Price/Forward Earnings ratio of PBCT to the average of the S&P500 Index (20.88), we can say PBCT is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.2 | ||
| Fwd PE | 14.89 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
A cheap valuation may be justified as PBCT's earnings are expected to decrease with -3.38% in the coming years.
PEG (NY)N/A
PEG (5Y)1.38
EPS Next 2Y-3.21%
EPS Next 3Y-3.38%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.76%, PBCT has a reasonable but not impressive dividend return.
Compared to an average S&P500 Dividend Yield of 2.41, PBCT pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.76% |
5.2 History
The dividend of PBCT has a limited annual growth rate of 1.41%.
PBCT has been paying a dividend for at least 10 years, so it has a reliable track record.
Dividend Growth(5Y)1.41%
Div Incr YearsN/A
Div Non Decr YearsN/A
5.3 Sustainability
PBCT pays out 53.22% of its income as dividend. This is a bit on the high side, but may be sustainable.
PBCT's earnings are declining while the Dividend Rate has been growing. This means the dividend growth is most likely not sustainable.
DP53.22%
EPS Next 2Y-3.21%
EPS Next 3Y-3.38%
PEOPLE'S UNITED FINANCIAL
NASDAQ:PBCT (4/1/2022, 7:00:02 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)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap8.34B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.76% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.2 | ||
| Fwd PE | 14.89 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)1.38
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.94% | ||
| ROE | 7.66% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 31.96% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.13 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)16.67%
EPS 3Y4.45%
EPS 5Y
EPS growth Q2Q
EPS Next Y-11.34%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-8.5%
Revenue growth 3Y5.71%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y