People's United Financial, Inc. Logo

People's United Financial, Inc.

PBCT

(1.8)
Stock Price

19,41 USD

0.94% ROA

7.8% ROE

13.65x PER

Market Cap.

0,00 USD

19.68% DER

0% Yield

31.96% NPM

People's United Financial, Inc. Stock Analysis

People's United Financial, Inc. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

People's United Financial, Inc. Fundamental Stock Analysis
# Analysis Rating
1 Assets Growth

Over the past five years, this company's revenue has consistently increased, demonstrating a robust financial performance that makes it an appealing opportunity.

2 ROE

The stock's ROE falls within an average range (7.8%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

3 ROA

The stock's ROA (0.94%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

4 PBV

The stock's PBV ratio (1.03x) reflects a fair valuation, making it an attractive option for investors seeking balanced opportunities.

5 Graham Number

The company's Graham number indicates that it is undervalued compared to its stock price, suggesting a potentially favorable investment opportunity.

6 Buffet Intrinsic Value

Based on Warren Buffett's formula, the company's stock appears undervalued (83), presenting an attractive investment chance with its intrinsic value surpassing the current market price.

7 DER

The company has a high debt to equity ratio (718%), which means it owes a lot of money compared to what it actually owns, making it financially risky.

8 Revenue Growth

Company's revenue has stayed stagnant, showing no signs of improvement and making it a less favorable choice.

9 Net Profit Growth

Over the past five years, this company's net profit has failed to exhibit any growth, indicating a stagnant financial performance and making it a less favorable choice for potential investors.

10 Dividend Growth

The company's dividend growth has been flat for the past three years, raising concerns for potential investors seeking reliable returns.

11 Dividend

Investors should note the absence of dividends from the company in the last three years, indicating potential financial challenges.

People's United Financial, Inc. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

People's United Financial, Inc. Technical Stock Analysis
# Analysis Recommendation

People's United Financial, Inc. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

People's United Financial, Inc. Revenue
Year Revenue Growth
1987 0
1988 0 0%
1989 253.000.000 100%
1990 222.700.000 -13.61%
1991 285.900.000 22.11%
1992 309.600.000 7.66%
1993 337.600.000 8.29%
1994 353.100.000 4.39%
1995 383.700.000 7.97%
1996 411.200.000 6.69%
1997 503.000.000 18.25%
1998 597.700.000 15.84%
1999 638.700.000 6.42%
2000 678.100.000 5.81%
2001 576.500.000 -17.62%
2002 599.100.000 3.77%
2003 571.400.000 -4.85%
2004 477.800.000 -19.59%
2005 541.500.000 11.76%
2006 529.800.000 -2.21%
2007 672.000.000 21.16%
2008 940.000.000 28.51%
2009 885.900.000 -6.11%
2010 998.200.000 11.25%
2011 1.231.200.000 18.92%
2012 1.242.500.000 0.91%
2013 1.221.800.000 -1.69%
2014 1.242.100.000 1.63%
2015 1.275.300.000 2.6%
2016 1.314.900.000 3.01%
2017 1.453.400.000 9.53%
2018 1.602.400.000 9.3%
2019 1.843.400.000 13.07%
2020 1.992.600.000 7.49%
2021 1.846.400.000 -7.92%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

People's United Financial, Inc. Research and Development Expenses
Year Research and Development Expenses Growth
1987 0
1988 0 0%
1989 0 0%
1990 0 0%
1991 0 0%
1992 0 0%
1993 0 0%
1994 0 0%
1995 0 0%
1996 0 0%
1997 0 0%
1998 0 0%
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

People's United Financial, Inc. General and Administrative Expenses
Year General and Administrative Expenses Growth
1987 0
1988 0 0%
1989 86.300.000 100%
1990 87.900.000 1.82%
1991 89.100.000 1.35%
1992 81.400.000 -9.46%
1993 90.200.000 9.76%
1994 102.300.000 11.83%
1995 110.900.000 7.75%
1996 124.200.000 10.71%
1997 145.700.000 14.76%
1998 166.200.000 12.33%
1999 179.000.000 7.15%
2000 199.600.000 10.32%
2001 196.300.000 -1.68%
2002 208.700.000 5.94%
2003 212.900.000 1.97%
2004 194.300.000 -9.57%
2005 195.500.000 0.61%
2006 202.900.000 3.65%
2007 215.600.000 5.89%
2008 344.600.000 37.43%
2009 350.500.000 1.68%
2010 380.400.000 7.86%
2011 429.000.000 11.33%
2012 441.400.000 2.81%
2013 479.300.000 7.91%
2014 529.300.000 9.45%
2015 540.700.000 2.11%
2016 551.700.000 1.99%
2017 613.700.000 10.1%
2018 661.900.000 7.28%
2019 737.700.000 10.28%
2020 769.900.000 4.18%
2021 696.400.000 -10.55%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

People's United Financial, Inc. EBITDA
Year EBITDA Growth
1987 49.600.000
1988 36.600.000 -35.52%
1989 520.100.000 92.96%
1990 378.600.000 -37.37%
1991 289.000.000 -31%
1992 240.600.000 -20.12%
1993 232.600.000 -3.44%
1994 249.400.000 6.74%
1995 356.500.000 30.04%
1996 363.800.000 2.01%
1997 436.100.000 16.58%
1998 510.400.000 14.56%
1999 533.500.000 4.33%
2000 588.000.000 9.27%
2001 541.400.000 -8.61%
2002 384.000.000 -40.99%
2003 318.900.000 -20.41%
2004 328.200.000 2.83%
2005 362.200.000 9.39%
2006 404.900.000 10.55%
2007 470.600.000 13.96%
2008 549.600.000 14.37%
2009 400.000.000 -37.4%
2010 329.900.000 -21.25%
2011 510.000.000 35.31%
2012 561.200.000 9.12%
2013 521.400.000 -7.63%
2014 563.700.000 7.5%
2015 590.500.000 4.54%
2016 625.100.000 5.54%
2017 738.100.000 15.31%
2018 954.700.000 22.69%
2019 1.195.400.000 20.14%
2020 672.000.000 -77.89%
2021 881.600.000 23.77%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

People's United Financial, Inc. Gross Profit
Year Gross Profit Growth
1987 0
1988 0 0%
1989 253.000.000 100%
1990 222.700.000 -13.61%
1991 285.900.000 22.11%
1992 309.600.000 7.66%
1993 337.600.000 8.29%
1994 353.100.000 4.39%
1995 383.700.000 7.97%
1996 411.200.000 6.69%
1997 503.000.000 18.25%
1998 597.700.000 15.84%
1999 638.700.000 6.42%
2000 678.100.000 5.81%
2001 576.500.000 -17.62%
2002 599.100.000 3.77%
2003 571.400.000 -4.85%
2004 477.800.000 -19.59%
2005 541.500.000 11.76%
2006 529.800.000 -2.21%
2007 672.000.000 21.16%
2008 940.000.000 28.51%
2009 885.900.000 -6.11%
2010 998.200.000 11.25%
2011 1.231.200.000 18.92%
2012 1.242.500.000 0.91%
2013 1.221.800.000 -1.69%
2014 1.242.100.000 1.63%
2015 1.275.300.000 2.6%
2016 1.314.900.000 3.01%
2017 1.453.400.000 9.53%
2018 1.602.400.000 9.3%
2019 1.843.400.000 13.07%
2020 1.992.600.000 7.49%
2021 1.846.400.000 -7.92%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

People's United Financial, Inc. Net Profit
Year Net Profit Growth
1987 49.600.000
1988 36.600.000 -35.52%
1989 32.500.000 -12.62%
1990 -84.700.000 138.37%
1991 -90.900.000 6.82%
1992 7.100.000 1380.28%
1993 56.300.000 87.39%
1994 70.100.000 19.69%
1995 71.000.000 1.27%
1996 80.100.000 11.36%
1997 92.400.000 13.31%
1998 91.700.000 -0.76%
1999 112.000.000 18.13%
2000 108.400.000 -3.32%
2001 75.800.000 -43.01%
2002 55.400.000 -36.82%
2003 63.800.000 13.17%
2004 199.700.000 68.05%
2005 137.100.000 -45.66%
2006 124.000.000 -10.56%
2007 149.200.000 16.89%
2008 139.500.000 -6.95%
2009 101.200.000 -37.85%
2010 85.700.000 -18.09%
2011 198.800.000 56.89%
2012 245.300.000 18.96%
2013 232.400.000 -5.55%
2014 251.700.000 7.67%
2015 260.100.000 3.23%
2016 281.000.000 7.44%
2017 337.200.000 16.67%
2018 468.100.000 27.96%
2019 520.400.000 10.05%
2020 219.600.000 -136.98%
2021 599.600.000 63.38%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

People's United Financial, Inc. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
1987 0
1988 0 0%
1989 0 0%
1990 -1 0%
1991 -1 0%
1992 0 0%
1993 1 0%
1994 1 0%
1995 1 0%
1996 1 0%
1997 1 0%
1998 1 0%
1999 1 0%
2000 1 0%
2001 1 0%
2002 0 0%
2003 0 0%
2004 1 100%
2005 1 0%
2006 0 0%
2007 1 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 1 0%
2012 1 0%
2013 1 0%
2014 1 0%
2015 1 0%
2016 1 0%
2017 1 100%
2018 1 0%
2019 1 0%
2020 1 0%
2021 1 100%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

People's United Financial, Inc. Free Cashflow
Year Free Cashflow Growth
1989 18.500.000
1990 24.400.000 24.18%
1991 44.300.000 44.92%
1992 125.200.000 64.62%
1993 98.000.000 -27.76%
1994 139.200.000 29.6%
1995 126.700.000 -9.87%
1996 139.800.000 9.37%
1997 145.200.000 3.72%
1998 126.800.000 -14.51%
1999 175.900.000 27.91%
2000 178.500.000 1.46%
2001 59.300.000 -201.01%
2002 22.600.000 -162.39%
2003 133.300.000 83.05%
2004 1.574.900.000 91.54%
2005 73.100.000 -2054.45%
2006 25.200.000 -190.08%
2007 117.900.000 78.63%
2008 185.200.000 36.34%
2009 42.000.000 -340.95%
2010 153.000.000 72.55%
2011 141.300.000 -8.28%
2012 429.400.000 67.09%
2013 295.400.000 -45.36%
2014 296.500.000 0.37%
2015 248.000.000 -19.56%
2016 293.200.000 15.42%
2017 573.000.000 48.83%
2018 501.400.000 -14.28%
2019 173.100.000 -189.66%
2020 797.100.000 78.28%
2021 -441.300.000 280.63%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

People's United Financial, Inc. Operating Cashflow
Year Operating Cashflow Growth
1989 44.800.000
1990 42.200.000 -6.16%
1991 55.000.000 23.27%
1992 143.300.000 61.62%
1993 110.700.000 -29.45%
1994 157.600.000 29.76%
1995 126.700.000 -24.39%
1996 139.800.000 9.37%
1997 145.200.000 3.72%
1998 126.800.000 -14.51%
1999 175.900.000 27.91%
2000 215.600.000 18.41%
2001 92.700.000 -132.58%
2002 36.700.000 -152.59%
2003 145.600.000 74.79%
2004 1.597.000.000 90.88%
2005 95.200.000 -1577.52%
2006 62.100.000 -53.3%
2007 181.400.000 65.77%
2008 236.100.000 23.17%
2009 103.500.000 -128.12%
2010 230.500.000 55.1%
2011 184.600.000 -24.86%
2012 513.600.000 64.06%
2013 379.400.000 -35.37%
2014 350.000.000 -8.4%
2015 328.300.000 -6.61%
2016 335.600.000 2.18%
2017 602.000.000 44.25%
2018 589.300.000 -2.16%
2019 240.800.000 -144.73%
2020 842.900.000 71.43%
2021 -441.300.000 291%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

People's United Financial, Inc. Capital Expenditure
Year Capital Expenditure Growth
1989 26.300.000
1990 17.800.000 -47.75%
1991 10.700.000 -66.36%
1992 18.100.000 40.88%
1993 12.700.000 -42.52%
1994 18.400.000 30.98%
1995 0 0%
1996 0 0%
1997 0 0%
1998 0 0%
1999 0 0%
2000 37.100.000 100%
2001 33.400.000 -11.08%
2002 14.100.000 -136.88%
2003 12.300.000 -14.63%
2004 22.100.000 44.34%
2005 22.100.000 0%
2006 36.900.000 40.11%
2007 63.500.000 41.89%
2008 50.900.000 -24.75%
2009 61.500.000 17.24%
2010 77.500.000 20.65%
2011 43.300.000 -78.98%
2012 84.200.000 48.57%
2013 84.000.000 -0.24%
2014 53.500.000 -57.01%
2015 80.300.000 33.37%
2016 42.400.000 -89.39%
2017 29.000.000 -46.21%
2018 87.900.000 67.01%
2019 67.700.000 -29.84%
2020 45.800.000 -47.82%
2021 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

People's United Financial, Inc. Equity
Year Equity Growth
2002 939.600.000
2003 1.002.000.000 6.23%
2004 1.199.800.000 16.49%
2005 1.288.600.000 6.89%
2006 1.339.500.000 3.8%
2007 4.445.400.000 69.87%
2008 5.175.500.000 14.11%
2009 5.100.700.000 -1.47%
2010 5.219.300.000 2.27%
2011 5.225.000.000 0.11%
2012 5.038.800.000 -3.7%
2013 4.568.400.000 -10.3%
2014 4.633.100.000 1.4%
2015 4.731.600.000 2.08%
2016 5.141.900.000 7.98%
2017 5.819.900.000 11.65%
2018 6.533.900.000 10.93%
2019 7.947.200.000 17.78%
2020 7.602.800.000 -4.53%
2021 7.901.800.000 3.78%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

People's United Financial, Inc. Assets
Year Assets Growth
2002 12.260.600.000
2003 11.671.500.000 -5.05%
2004 10.717.900.000 -8.9%
2005 10.932.500.000 1.96%
2006 10.686.900.000 -2.3%
2007 13.554.800.000 21.16%
2008 20.167.700.000 32.79%
2009 21.257.200.000 5.13%
2010 25.037.100.000 15.1%
2011 27.567.900.000 9.18%
2012 30.324.400.000 9.09%
2013 33.213.700.000 8.7%
2014 35.997.100.000 7.73%
2015 38.877.400.000 7.41%
2016 40.609.800.000 4.27%
2017 44.453.400.000 8.65%
2018 47.877.300.000 7.15%
2019 58.589.800.000 18.28%
2020 63.091.800.000 7.14%
2021 64.642.400.000 2.4%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

People's United Financial, Inc. Liabilities
Year Liabilities Growth
2002 11.321.000.000
2003 10.669.500.000 -6.11%
2004 9.518.100.000 -12.1%
2005 9.643.900.000 1.3%
2006 9.347.400.000 -3.17%
2007 9.109.400.000 -2.61%
2008 14.992.200.000 39.24%
2009 16.156.500.000 7.21%
2010 19.817.800.000 18.47%
2011 22.342.900.000 11.3%
2012 25.285.600.000 11.64%
2013 28.645.300.000 11.73%
2014 31.364.000.000 8.67%
2015 34.145.800.000 8.15%
2016 35.467.900.000 3.73%
2017 38.633.500.000 8.19%
2018 41.343.400.000 6.55%
2019 50.642.600.000 18.36%
2020 55.489.000.000 8.73%
2021 56.740.600.000 2.21%

People's United Financial, Inc. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
4.45
Net Income per Share
1.42
Price to Earning Ratio
13.65x
Price To Sales Ratio
0x
POCF Ratio
17.76
PFCF Ratio
0
Price to Book Ratio
1.05
EV to Sales
0.65
EV Over EBITDA
1.38
EV to Operating CashFlow
2.66
EV to FreeCashFlow
2.66
Earnings Yield
0.07
FreeCashFlow Yield
0
Market Cap
0,00 Bil.
Enterprise Value
1,23 Bil.
Graham Number
24.38
Graham NetNet
-92.86

Income Statement Metrics

Net Income per Share
1.42
Income Quality
0.77
ROE
0.08
Return On Assets
0.01
Return On Capital Employed
0.01
Net Income per EBT
0.8
EBT Per Ebit
0.88
Ebit per Revenue
0.45
Effective Tax Rate
0.2

Margins

Sales, General, & Administrative to Revenue
0.39
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.45
Pretax Profit Margin
0.4
Net Profit Margin
0.32

Dividends

Dividend Yield
0
Dividend Yield %
0
Payout Ratio
0
Dividend Per Share
0

Operating Metrics

Operating Cashflow per Share
1.09
Free CashFlow per Share
1.09
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.07
Return on Tangible Assets
0.01
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0

Balance Sheet

Cash per Share
40,51
Book Value per Share
18,57
Tangible Book Value per Share
18.57
Shareholders Equity per Share
18.57
Interest Debt per Share
3.9
Debt to Equity
0.2
Debt to Assets
0.02
Net Debt to EBITDA
1.38
Current Ratio
0
Tangible Asset Value
7,90 Bil.
Net Current Asset Value
-15,90 Bil.
Invested Capital
0.2
Working Capital
40,84 Bil.
Intangibles to Total Assets
0
Average Receivables
0,12 Bil.
Average Payables
0,01 Bil.
Average Inventory
0
Debt to Market Cap
0

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

People's United Financial, Inc. Dividends
Year Dividends Growth
1988 0
1989 1 0%
1990 1 0%
1993 0 0%
1994 0 0%
1995 1 0%
1996 3 100%
1997 1 0%
1998 1 0%
1999 1 100%
2000 1 0%
2001 1 0%
2002 1 0%
2003 2 0%
2004 1 0%
2005 1 0%
2006 1 0%
2007 1 0%
2008 1 0%
2009 1 0%
2010 1 0%
2011 1 0%
2012 1 0%
2013 1 0%
2014 1 0%
2015 1 0%
2016 1 0%
2017 1 0%
2018 1 0%
2019 1 0%
2020 1 0%
2021 1 0%
2022 0 0%

People's United Financial, Inc. Profile

About People's United Financial, Inc.

People's United Financial, Inc. operates as the bank holding company for People's United Bank, National Association that provides commercial banking, retail banking, and wealth management services to individual, corporate, and municipal customers. The company offers commercial deposit products, commercial real estate lending, middle market and business banking, equipment financing, mortgage warehouse and asset-based lending, treasury management services, and capital market capabilities. It also provides consumer lending, including residential mortgage and home equity lending; and consumer deposit gathering services. In addition, the company offers brokerage, financial and investment advisory, investment management, life insurance, financial management and planning, and non-institutional trust services, as well as cash management, municipal banking, online banking, investment trading, and telephone banking services. As of March 04, 2022, it operated approximately 400 retail locations in Connecticut, New York, Massachusetts, Vermont, New Hampshire, and Maine. The company also operates 562 ATMs. People's United Financial, Inc. was founded in 1842 and is headquartered in Bridgeport, Connecticut. As of April 1, 2022, People's United Financial, Inc. operates as a subsidiary of M&T Bank Corporation.

CEO
Mr. John Barnes
Employee
5.193
Address
850 Main St
Bridgeport, 06604

People's United Financial, Inc. Executives & BODs

People's United Financial, Inc. Executives & BODs
# Name Age

People's United Financial, Inc. Competitors