PBCT People's United Financial, Inc.

Price (delayed)

$10.62

Market cap

$4.51B

P/E Ratio

9.16

Dividend/share

$0.72

EPS

$1.16

Enterprise value

$5.83B

Sector: Financial Services
Industry: Banks - Regional
People's United Financial, Inc. is a bank and financial holding company, which engages in the commercial banking, retail and business banking, and wealth management services to individual, corporate and municipal customers. It operates through the Commercial Banking and Retail Banking segments. The Commercial Banking segment offers commercial real estate; commercial and industrial; and equipment financing solutions. The Retail Banking segment comprises residential mortgage; and home equity. The company was founded on November 2, 2006 and is headquartered in Bridgeport, CT.

Highlights

The debt has dropped by 60% since the previous quarter and by 35% year-on-year
The P/E is 42% less than the 5-year quarterly average of 15.7 and 16% less than the last 4 quarters average of 10.9
PBCT's EPS is down by 12% YoY and by 9% from the previous quarter
The net income has declined by 8% since the previous quarter

Key stats

What are the main financial stats of PBCT
Market
Shares outstanding
424.78M
Market cap
$4.51B
Enterprise value
$5.83B
Valuations
Price to earnings (P/E)
9.16
Price to book (P/B)
0.58
Price to sales (P/S)
2.44
EV/EBIT
9.46
EV/EBITDA
8.83
EV/Sales
3.16
Earnings
Revenue
$1.85B
EBIT
$616M
EBITDA
$660.3M
Free cash flow
$558.4M
Per share
EPS
$1.16
Free cash flow per share
$1.31
Book value per share
$18.28
Revenue per share
$4.35
TBVPS
$137.18
Balance sheet
Total assets
$61.51B
Total liabilities
$53.75B
Debt
$2.8B
Equity
$7.76B
Working capital
N/A
Liquidity
Debt to equity
0.36
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
1.99
Margins
EBITDA margin
35.7%
Gross margin
100%
Net margin
26.7%
Operating margin
33.3%
Efficiency
Return on assets
0.8%
Return on equity
6.3%
Return on invested capital
1%
Return on capital employed
N/A
Return on sales
33.3%
Dividend
Dividend yield
6.74%
DPS
$0.72
Payout ratio
61.7%

PBCT stock price

How has the People's United Financial stock price performed over time

Financial performance

How have People's United Financial's revenue and profit performed over time
Revenue
$1.85B
Gross profit
$1.85B
Operating income
$616M
Net income
$492.8M
Gross margin
100%
Net margin
26.7%
The company's gross profit rose by 11% YoY
PBCT's revenue is up by 11% YoY
The net margin has declined by 10% year-on-year and by 6% since the previous quarter
People's United Financial's operating margin has decreased by 9% YoY and by 7% from the previous quarter

Growth

What is People's United Financial's growth rate over time

Valuation

What is People's United Financial stock price valuation
P/E
9.16
P/B
0.58
P/S
2.44
EV/EBIT
9.46
EV/EBITDA
8.83
EV/Sales
3.16
The P/E is 42% less than the 5-year quarterly average of 15.7 and 16% less than the last 4 quarters average of 10.9
PBCT's EPS is down by 12% YoY and by 9% from the previous quarter
The price to book (P/B) is 42% lower than the 5-year quarterly average of 1.0 and 17% lower than the last 4 quarters average of 0.7
People's United Financial's equity has increased by 10% YoY
PBCT's P/S is 37% below its 5-year quarterly average of 3.9 and 21% below its last 4 quarters average of 3.1
PBCT's revenue is up by 11% YoY

Efficiency

How efficient is People's United Financial business performance
PBCT's ROIC is down by 23% year-on-year and by 17% since the previous quarter
The company's return on assets fell by 20% YoY and by 11% QoQ
The ROE has declined by 15% year-on-year and by 10% since the previous quarter
PBCT's ROS is down by 9% YoY and by 7% from the previous quarter

Dividends

What is PBCT's dividend history
DPS
$0.72
Dividend yield
6.74%
Payout ratio
61.7%
Recent dividends

Financial health

How did People's United Financial financials performed over time
The total assets is 14% greater than the total liabilities
People's United Financial's total liabilities has increased by 21% YoY and by 2% from the previous quarter
The debt is 64% smaller than the equity
The debt to equity has dropped by 60% since the previous quarter and by 41% year-on-year
The debt has dropped by 60% since the previous quarter and by 35% year-on-year

All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.