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Market Price

16.33 

0.01 0.1%

as of Jan 23 '19

52 Week Range:

13.66 20.26


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

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 operates in two segments, Commercial Banking and Retail Banking. The Commercial Banking segment offers commercial real estate lending, commercial and industrial lending, and commercial deposit gathering services. This segment also provides equipment financing; cash management, correspondent banking, and municipal banking services; and institutional trust, corporate trust, private banking, and insurance services. The Retail Banking segment offers consumer lending, including residential mortgage and home equity lending; and consumer deposit gathering services. This segment also provides brokerage, financial advisory, investment management, life insurance, and non-institutional trust services. In addition, the company offers online banking, investment trading, and telephone banking services. It operates through a network of 403 branches, including 147 full-service stop and shop supermarket branches located in Connecticut, southeastern New York, Massachusetts, Vermont, Maine, and New Hampshire, as well as 598 ATMs. People's United Financial, Inc. was founded in 1842 and is headquartered in Bridgeport, Connecticut.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Equity (BVPS) 14.90
14.88
14.78
14.91
14.80
15.24
15.51
15.51
15.62
15.74
16.18
growth rate -0.1% -0.7% 0.9% -0.7% 3.0% 1.8% 0.0% 0.7% 0.8% 2.8%
Earnings BIT 224.70
207.50
144.30
127.00
295.60
362.70
339.10
418.40
431.80
463.70
538.30
growth rate -7.7% -30.5% -12.0% 132.8% 22.7% -6.5% 23.4% 3.2% 7.4% 16.1%
Avg.PE 34.25
42.37
55.56
57.80
22.52
16.67
20.28
18.01
18.15
21.03
19.73
growth rate 23.7% 31.1% 4.0% -61.0% -26.0% 21.7% -11.2% 0.8% 15.9% -6.2%
ROA 1.23
0.83
0.49
0.37
0.76
0.84
0.73
0.72
0.69
0.70
0.76
growth rate -32.5% -41.0% -24.5% 105.4% 10.5% -13.1% -1.4% -4.2% 1.5% 8.6%
ROE 5.16
2.90
1.97
1.66
3.81
4.76
4.81
5.44
5.53
5.78
6.16
growth rate -43.8% -32.1% -15.7% 129.5% 24.9% 1.1% 13.1% 1.7% 4.5% 6.6%
ROIC 9.99
6.53
4.27
3.05
4.91
5.04
3.94
3.89
growth rate -34.6% -34.6% -28.6% 61.0% 2.7% -21.8% -1.3%
Leverage 3.05
3.90
4.17
4.79
5.28
6.02
7.27
7.77
8.22
8.29
7.97
growth rate 27.9% 6.9% 14.9% 10.2% 14.0% 20.8% 6.9% 5.8% 0.9% -3.9%
Balance Sheet Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Acct.Receivable 61.60
60.00
61.90
100.50
growth rate -2.6% 3.2% 62.4%
Acct.Payable 26,229.70
28,422.40
29,860.80
33,056.30
growth rate 8.4% 5.1% 10.7%
Cur.Assets 1,476.70
1,102.70
1,033.10
1,247.50
growth rate -25.3% -6.3% 20.8%
Total Assets 20,167.70
21,257.20
25,037.10
27,558.30
30,324.40
33,213.70
35,997.10
38,946.70
40,609.80
44,453.40
growth rate 5.4% 17.8% 10.1% 10.0% 9.5% 8.4% 8.2% 4.3% 9.5%
Cash 345.10
3,418.00
354.70
3,301.60
5,138.70
5,383.50
926.50
629.30
522.30
770.20
growth rate 890.4% -89.6% 830.8% 55.6% 4.8% -82.8% -32.1% -17.0% 47.5%
Inventory 27.10
22.10
19.30
19.40
growth rate -18.5% -12.7% 0.5%
Cur.Liabilities 29,820.80
32,632.40
33,860.40
37,124.00
growth rate 9.4% 3.8% 9.6%
Liabilities 14,993.90
16,156.50
19,817.80
22,342.90
25,285.60
28,645.30
31,364.00
34,215.10
35,467.90
38,633.50
growth rate 7.8% 22.7% 12.7% 13.2% 13.3% 9.5% 9.1% 3.7% 8.9%
LT Debt 65.40
2,008.00
2,009.00
2,010.00
2,011.00
2,012.00
2,013.00
1,300.00
1,296.90
1,291.20
1,126.90
growth rate 2,970.3% 0.1% 0.1% 0.1% 0.1% 0.1% -35.4% -0.2% -0.4% -12.7%
Equity 4,445.40
5,173.80
5,100.70
5,219.30
5,215.40
5,038.80
4,568.40
4,633.10
4,731.60
4,897.80
5,575.80
growth rate 16.4% -1.4% 2.3% -0.1% -3.4% -9.3% 1.4% 2.1% 3.5% 13.8%
Common Shares 292.00
330.00
332.00
353.00
348.00
338.00
312.00
298.00
300.00
304.00
332.00
growth rate 13.0% 0.6% 6.3% -1.4% -2.9% -7.7% -4.5% 0.7% 1.3% 9.2%
Cash Flow Statement Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Capital Expenditures 63.50
46.80
61.50
77.50
43.30
84.20
84.00
53.50
80.30
42.40
29.00
growth rate -26.3% 31.4% 26.0% -44.1% 94.5% -0.2% -36.3% 50.1% -47.2% -31.6%
Cash Dividends 131.10
194.40
203.60
218.10
220.90
217.90
204.80
196.90
201.20
207.50
242.00
growth rate 48.3% 4.7% 7.1% 1.3% -1.4% -6.0% -3.9% 2.2% 3.1% 16.6%
Cash From OA 181.30
225.10
103.50
230.50
174.40
513.60
379.40
350.00
328.30
335.60
602.00
growth rate 24.2% -54.0% 122.7% -24.3% 194.5% -26.1% -7.8% -6.2% 2.2% 79.4%
FCF per Share 0.41
0.56
0.13
0.43
0.25
1.27
0.95
0.87
0.81
1.17
1.26
growth rate 36.6% -76.8% 230.8% -41.9% 408.0% -25.2% -8.4% -6.9% 44.4% 7.7%
Sale Purchase of Stock -248.40
-222.00
-458.70
6.00
27.50
87.90
61.80
growth rate 0.0% 0.0% 100.0% 358.3% 219.6% -29.7%
FCF 118.00
185.00
42.00
153.00
141.00
429.00
295.00
297.00
248.00
293.00
573.00
growth rate 56.8% -77.3% 264.3% -7.8% 204.3% -31.2% 0.7% -16.5% 18.2% 95.6%
Income Statement Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Sales 672.00
940.00
885.90
969.00
1,349.50
1,355.30
1,346.10
1,201.50
1,250.60
1,276.90
1,426.50
growth rate 39.9% -5.8% 9.4% 39.3% 0.4% -0.7% -10.7% 4.1% 2.1% 11.7%
Op.Income 204.80
144.30
127.00
192.40
245.30
232.40
429.90
461.90
473.80
567.70
growth rate -29.5% -12.0% 51.5% 27.5% -5.3% 85.0% 7.4% 2.6% 19.8%
IBT 204.80
144.30
122.00
285.40
369.30
347.60
380.60
390.50
409.50
467.10
growth rate -29.5% -15.5% 133.9% 29.4% -5.9% 9.5% 2.6% 4.9% 14.1%
Net Income 137.80
101.20
85.70
192.40
245.30
232.40
251.70
260.10
281.00
337.20
growth rate -26.6% -15.3% 124.5% 27.5% -5.3% 8.3% 3.3% 8.0% 20.0%
EPS 0.52
0.41
0.30
0.23
0.55
0.72
0.74
0.84
0.86
0.92
0.97
growth rate -21.2% -26.8% -23.3% 139.1% 30.9% 2.8% 13.5% 2.4% 7.0% 5.4%
Gross Profit 1,201.50
1,250.60
1,276.90
1,426.50
growth rate 4.1% 2.1% 11.7%

Quarterly Statements

Item Name Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Earnings BIT 150.00
152.40
159.30
growth rate 1.6% 4.5%
Balance Sheet Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Acct.Receivable 100.50
growth rate
Acct.Payable 32,547.30
33,056.30
32,893.80
32,468.20
33,210.20
growth rate 1.6% -0.5% -1.3% 2.3%
Cur.Assets 859.00
1,247.50
966.60
814.80
626.90
growth rate 45.2% -22.5% -15.7% -23.1%
Total Assets 43,998.20
44,453.40
44,100.50
44,574.50
44,133.20
growth rate 1.0% -0.8% 1.1% -1.0%
Cash 716.60
770.20
859.40
715.80
538.00
growth rate 7.5% 11.6% -16.7% -24.8%
Inventory 16.40
19.40
19.20
18.80
15.10
growth rate 18.3% -1.0% -2.1% -19.7%
Cur.Liabilities 33,678.60
37,124.00
34,118.10
33,761.80
34,418.10
growth rate 10.2% -8.1% -1.0% 1.9%
Liabilities 38,252.10
38,633.50
38,255.00
38,674.30
38,174.30
growth rate 1.0% -1.0% 1.1% -1.3%
LT Debt 3,980.30
1,126.90
3,698.00
4,417.90
3,281.30
growth rate -71.7% 228.2% 19.5% -25.7%
Equity 5,502.00
5,575.80
5,601.40
5,656.10
5,714.80
growth rate 1.3% 0.5% 1.0% 1.0%
Common Shares 4.30
4.40
4.40
4.40
4.40
growth rate 2.3% 0.0% 0.0% 0.0%
Cash Flow Statement Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Capital Expenditures 10.40
1.80
12.90
19.90
15.80
growth rate -82.7% 616.7% 54.3% -20.6%
Cash Dividends 61.80
62.20
62.30
63.40
63.60
growth rate 0.7% 0.2% 1.8% 0.3%
Cash From OA 190.50
201.70
154.40
119.80
185.60
growth rate 5.9% -23.5% -22.4% 54.9%
Sale Purchase of Stock 3.30
33.70
11.10
growth rate 921.2% -67.1%
FCF 180.10
199.90
141.50
99.90
169.80
growth rate 11.0% -29.2% -29.4% 70.0%
Income Statement Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Sales 366.40
371.30
380.50
389.60
390.00
growth rate 1.3% 2.5% 2.4% 0.1%
Op.Income 150.50
181.10
152.70
162.80
164.10
growth rate 20.3% -15.7% 6.6% 0.8%
IBT 129.80
132.40
137.30
141.00
149.20
growth rate 2.0% 3.7% 2.7% 5.8%
Net Income 90.80
106.30
107.90
110.20
117.00
growth rate 17.1% 1.5% 2.1% 6.2%
EPS
growth rate
Gross Profit 366.40
371.30
380.50
389.60
390.00
growth rate 1.3% 2.5% 2.4% 0.1%
R&D
growth rate

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

C (61.78)

YOY Growth Grade:

E (24.73)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 12.55 13.19 10.79
EPS / Growth 7.0% 1.24 2.0%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 4.2%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 2.0% 4.4% 4.4%
Future PE 4.00 10.72 10.72
Future EPS 1.51 1.91 1.91
Value Price
MOS %
1.49
-90.9%
5.05
-69.1%
5.05
-69.1%
MOS Price 0.75 2.53 2.53
IRT 11.61 10.26 10.26

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

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