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People's United Financial, Inc (PBCT) is a leading banks-regional business with stocks listed in the US. It opened the day at US$18.06 after a previous close of US$18. During the day the price has varied from a low of USD17.905 to a high of USD18.35. The latest price was USD18.24 (25 minute delay). Peoples United Financial is listed on the NASDAQ. All prices are listed in US Dollars.
How to buy shares in Peoples United Financial
- Compare share trading platforms. To buy shares in a US company from Australia you'll need to find a trading platform that offers access to US stock markets. If you're just starting out, look for a platform with low brokerage and foreign exchange fees.
- Open and fund your brokerage account. Complete an application with your personal and financial details, like your ID and tax file number. Fund your account with a bank transfer, credit card or debit card.
- Search for Peoples United Financial. Find the share by name or ticker symbol: PBCT. Research its history to confirm it's a solid investment against your financial goals.
- 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 risk, look into dollar-cost averaging, which smooths out buying at consistent intervals and amounts.
- Decide on how many to buy. At last close price of US$19.02, weigh your budget against a diversified portfolio that can minimise 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.
- Check in on your investment. Congratulations, you own a part of Peoples United Financial. Optimise 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.
What's in this guide?
- Peoples United Financial key stats
- Compare share trading platforms
- Is Peoples United Financial stock a buy or sell?
- Peoples United Financial performance over time
- Can I short Peoples United Financial shares?
- Is Peoples United Financial suitable for ethical investing?
- Are Peoples United Financial shares over-valued?
- Peoples United Financial's financials
- How volatile are Peoples United Financial shares?
- Does Peoples United Financial pay a dividend?
- Have Peoples United Financial shares ever split?
- Other common questions
Peoples United Financial share priceUse our graph to track the performance of PBCT stocks over time.
Peoples United Financial shares at a glance
|52-week range||US$9.3558 - US$19.62|
|50-day moving average||US$18.6326|
|200-day moving average||US$16.2967|
|Dividend yield||US$0.72 (3.8%)|
|Earnings per share (TTM)||US$0.517|
Compare share trading platforms to buy stock
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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.
Peoples United Financial price performance over time
|1 month (2021-05-14)||-5.74%|
|3 months (2021-03-16)||2.01%|
|6 months (2020-12-16)||39.98%|
|1 year (2020-06-16)||44.99%|
|2 years (2019-06-14)||11.63%|
|3 years (2018-06-15)||-2.62%|
|5 years (2016-06-16)||20.48%|
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 36x. In other words, Peoples United Financial shares trade at around 36x recent earnings.
That's relatively high compared to, say, the trailing 12-month P/E ratio for the NASDAQ 100 at the end of 2019 (27.29). The high P/E ratio could mean that investors are optimistic about the outlook for the shares or simply that they're over-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||US$1.9 billion|
|Operating margin TTM||43.32%|
|Gross profit TTM||US$1.9 billion|
|Return on assets TTM||0.38%|
|Return on equity TTM||3.05%|
|Market capitalisation||US$7.8 billion|
TTM: trailing 12 months
Shorting Peoples United Financial shares
There are currently 9.0 million Peoples United Financial shares held short by investors – that's known as Peoples United Financial's "short interest". This figure is 7% down from 9.7 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 4.8 million). Peoples United Financial's SIR currently stands at 1.87. In other words for every 100,000 Peoples United Financial shares traded daily on the market, roughly 1870 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 0.02% of the outstanding shares (for every 100,000 Peoples United Financial shares in existence, roughly 20 shares are currently held short) or 0.0318% of the tradable shares (for every 100,000 tradable Peoples United Financial shares, roughly 32 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 12/31/2018) 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
|Total ESG score||22.54|
|Total ESG percentile||35.55|
|Level of controversy||2|
Peoples United Financial share dividends
Dividend payout ratio: 55.58% of net profits
Recently Peoples United Financial has paid out, on average, around 55.58% of net profits as dividends. That has enabled analysts to estimate a "forward annual dividend yield" of 3.85% 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 3.85% 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 14 May 2021. The latest dividend was paid out to all shareholders who bought their shares by 29 April 2021 (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 15 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 US$9.3558 up to US$19.62. 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 1.2098. 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 Commercial Banking segment 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. 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 and investment advisory, investment management, life insurance, financial management and planning, and non-institutional trust services. In addition, the company offers cash management, municipal banking, online banking, investment trading, and telephone banking services. It operates through a network of 417 branches in Connecticut, southeastern New York, Massachusetts, Vermont, Maine, and New Hampshire, as well as 631 ATMs. The company was founded in 1842 and is headquartered in Bridgeport, Connecticut.
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