How to buy Peoples United Financial stock | $13.02

People's United Financial, Inc is a banks-regional business based in the US. Peoples United Financial shares (PBCT) are listed on the NASDAQ and all prices are listed in US Dollars. Peoples United Financial employs 6,110 staff and has a trailing 12-month revenue of around USD$1.9 billion.

How to buy shares in Peoples United Financial

1. Compare share trading platforms. If you're a beginner, look for a platform with low commissions, expert ratings and investment tools to track your portfolio. Narrow down top brands with our comparison table.
2. Open and fund your brokerage account. Complete an application with your personal and financial details, like your ID and bank information. Fund your account with a bank transfer, credit card or debit card.
3. Search for Peoples United Financial. Find the stock by name or ticker symbol: PBCT. Research its history to confirm it's a solid investment against your financial goals.
4. Purchase now or later. Buy today with a market order or use a limit order to delay your purchase until Peoples United Financial reaches your desired price. To spread out your purchase, look into dollar-cost averaging, which smooths out buying at consistent intervals and amounts.
5. Decide on how many to buy. At last close price of USD$13.02, weigh your budget against a diversified portfolio that can minimize risk through the market's ups and downs. You may be able to buy a fractional share of Peoples United Financial, depending on your broker.
6. Check in on your investment. Congratulations, you own a part of Peoples United Financial. Optimize your portfolio by tracking how your stock — and even the business — performs with an eye on the long term. You may be eligible for dividends and shareholder voting rights on directors and management that can affect your stock.

Peoples United Financial share price

Use our graph to track the performance of PBCT stocks over time.

Peoples United Financial shares at a glance

• Key figures

Information last updated 2020-12-11.

Latest market close	USD$13.02
52-week range	USD$8.9424 - USD$16.1635
50-day moving average	USD$12.2654
200-day moving average	USD$11.4108
Wall St. target price	USD$12.46
PE ratio	11.3119
Dividend yield	USD$0.72 (5.45%)
Earnings per share (TTM)	USD$1.151

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Is it a good time to buy Peoples United Financial stock?

The technical analysis gauge below displays real-time ratings for the timeframes you select. This is not a recommendation, however. It represents a technical analysis based on the most popular technical indicators: Moving Averages, Oscillators and Pivots. Finder might not concur and takes no responsibility.

Technical Analysis of People's United Financial, Inc by TradingView

This chart is not advice or a guarantee of success. Rather, it gauges the real-time recommendations of three popular technical indicators: moving averages, oscillators and pivots. Finder is not responsible for how your stock performs.

Peoples United Financial price performance over time

Historical closes compared with the close of $13.02 from 2020-12-11

1 week (2021-01-07)	-8.05%
1 month (2020-12-16)	-0.08%
3 months (2020-10-16)	23.06%
6 months (2020-07-16)	11.66%

1 year (2020-01-16)	-21.66%
2 years (2019-01-16)	-17.23%
3 years (2018-01-16)	19.39
5 years (2016-01-15)	14.48

Is Peoples United Financial under- or over-valued?

Valuing Peoples United Financial stock is incredibly difficult, and any metric has to be viewed as part of a bigger picture of Peoples United Financial's overall performance. However, analysts commonly use some key metrics to help gauge the value of a stock.

Peoples United Financial's P/E ratio

Peoples United Financial's current share price divided by its per-share earnings (EPS) over a 12-month period gives a "trailing price/earnings ratio" of roughly 11x. In other words, Peoples United Financial shares trade at around 11x recent earnings.

That's relatively low compared to, say, the trailing 12-month P/E ratio for the NASDAQ 100 at the end of 2019 (27.29). The low P/E ratio could mean that investors are pessimistic about the outlook for the shares or simply that they're under-valued.

Peoples United Financial's PEG ratio

Peoples United Financial's "price/earnings-to-growth ratio" can be calculated by dividing its P/E ratio by its growth – to give 5.52. A low ratio can be interpreted as meaning the shares offer better value, while a higher ratio can be interpreted as meaning the shares offer worse value.

The PEG ratio provides a broader view than just the P/E ratio, as it gives more insight into Peoples United Financial's future profitability. By accounting for growth, it could also help you if you're comparing the share prices of multiple high-growth companies.

Peoples United Financial financials

Revenue TTM	USD$1.9 billion
Operating margin TTM	40.12%
Gross profit TTM	USD$1.8 billion
Return on assets TTM	0.89%
Return on equity TTM	6.71%
Profit margin	27.03%
Book value	$18.108
Market capitalisation	USD$5.5 billion

TTM: trailing 12 months

Shorting Peoples United Financial shares

There are currently 17.0 million Peoples United Financial shares held short by investors – that's known as Peoples United Financial's "short interest". This figure is 9.4% down from 18.7 million last month.

There are a few different ways that this level of interest in shorting Peoples United Financial shares can be evaluated.

Peoples United Financial's "short interest ratio" (SIR)

Peoples United Financial's "short interest ratio" (SIR) is the quantity of Peoples United Financial shares currently shorted divided by the average quantity of Peoples United Financial shares traded daily (recently around 8.0 million). Peoples United Financial's SIR currently stands at 2.13. In other words for every 100,000 Peoples United Financial shares traded daily on the market, roughly 2130 shares are currently held short.

However Peoples United Financial's short interest can also be evaluated against the total number of Peoples United Financial shares, or, against the total number of tradable Peoples United Financial shares (the shares that aren't held by "insiders" or major long-term shareholders – also known as the "float"). In this case Peoples United Financial's short interest could be expressed as 0.04% of the outstanding shares (for every 100,000 Peoples United Financial shares in existence, roughly 40 shares are currently held short) or 0.0478% of the tradable shares (for every 100,000 tradable Peoples United Financial shares, roughly 48 shares are currently held short).

Such a low SIR usually points to an optimistic outlook for the share price, with fewer people currently willing to bet against Peoples United Financial.

Find out more about how you can short Peoples United Financial stock.

Peoples United Financial's environmental, social and governance track record

Environmental, social and governance (known as ESG) criteria are a set of three factors used to measure the sustainability and social impact of companies like Peoples United Financial.

When it comes to ESG scores, lower is better, and lower scores are generally associated with lower risk for would-be investors.

Peoples United Financial's total ESG risk score

Total ESG risk: 22.54

Socially conscious investors use ESG scores to screen how an investment aligns with their worldview, and Peoples United Financial's overall score of 22.54 (as at 01/01/2019) is pretty good – landing it in it in the 36th percentile of companies rated in the same sector.

ESG scores are increasingly used to estimate the level of risk a company like Peoples United Financial is exposed to within the areas of "environmental" (carbon footprint, resource use etc.), "social" (health and safety, human rights etc.), and "governance" (anti-corruption, tax transparency etc.).

Peoples United Financial's environmental score

Environmental score: 1.34/100

Peoples United Financial's social score

Social score: 12.41/100

Peoples United Financial's governance score

Governance score: 6.47/100

Peoples United Financial's controversy score

Controversy score: 2/5

ESG scores also evaluate any incidences of controversy that a company has been involved in. Peoples United Financial scored a 2 out of 5 for controversy – the second-highest score possible, reflecting that Peoples United Financial has, for the most part, managed to keep its nose clean.

Environmental, social, and governance (ESG) summary

People's United Financial, Inc was last rated for ESG on: 2019-01-01.

Total ESG score	22.54
Total ESG percentile	35.55
Environmental score	1.34
Social score	12.41
Governance score	6.47
Level of controversy	2

Peoples United Financial share dividends

Dividend payout ratio: 56.05% of net profits

Recently Peoples United Financial has paid out, on average, around 56.05% of net profits as dividends. That has enabled analysts to estimate a "forward annual dividend yield" of 5.45% of the current stock value. This means that over a year, based on recent payouts (which are sadly no guarantee of future payouts), Peoples United Financial shareholders could enjoy a 5.45% return on their shares, in the form of dividend payments. In Peoples United Financial's case, that would currently equate to about $0.72 per share.

Peoples United Financial's payout ratio would broadly be considered high, and as such this stock could appeal to those looking to generate an income. Bear in mind however that companies should normally also look to re-invest a decent amount of net profits to ensure future growth.

Peoples United Financial's most recent dividend payout was on 15 November 2020. The latest dividend was paid out to all shareholders who bought their shares by 30 October 2020 (the "ex-dividend date").

Have Peoples United Financial's shares ever split?

Peoples United Financial's shares were split on a 21:10 basis on 16 April 2007. So if you had owned 10 shares the day before before the split, the next day you'd have owned 21 shares. This wouldn't directly have changed the overall worth of your Peoples United Financial shares – just the quantity. However, indirectly, the new 52.4% lower share price could have impacted the market appetite for Peoples United Financial shares which in turn could have impacted Peoples United Financial's share price.

Peoples United Financial share price volatility

Over the last 12 months, Peoples United Financial's shares have ranged in value from as little as $8.9424 up to $16.1635. A popular way to gauge a stock's volatility is its "beta".

Beta is a measure of a share's volatility in relation to the market. The market (NASDAQ average) beta is 1, while Peoples United Financial's is 1.243. This would suggest that Peoples United Financial's shares are a little bit more volatile than the average for this exchange and represent, relatively-speaking, a slightly higher risk (but potentially also market-beating returns).

Peoples United Financial overview

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 commercial 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 450 branches in Connecticut, southeastern New York, Massachusetts, Vermont, Maine, and New Hampshire, as well as 602 ATMs. The company was founded in 1842 and is headquartered in Bridgeport, Connecticut.

Frequently asked questions

• What percentage of Peoples United Financial is owned by insiders or institutions?

  Currently 0.637% of Peoples United Financial shares are held by insiders and 75.599% by institutions.

• How many people work for Peoples United Financial?

  Latest data suggests 6,110 work at Peoples United Financial.

• When does the fiscal year end for Peoples United Financial?

  Peoples United Financial's fiscal year ends in December.

• Where is Peoples United Financial based?

  Peoples United Financial's address is: 850 Main Street, Bridgeport, CT, United States, 06604

• What is Peoples United Financial's ISIN number?

  Peoples United Financial's international securities identification number is: US7127041058

• What is Peoples United Financial's CUSIP number?

  Peoples United Financial's Committee on Uniform Securities Identification Procedures number is: 712704105