People’s United Financial (NASDAQ: PBCT) is one of 26 publicly-traded companies in the “Retail & Mortgage Banks” industry, but how does it weigh in compared to its rivals? We will compare People’s United Financial to related businesses based on the strength of its earnings, institutional ownership, dividends, profitability, risk, valuation and analyst recommendations.

Institutional & Insider Ownership

77.3% of People’s United Financial shares are held by institutional investors. Comparatively, 54.7% of shares of all “Retail & Mortgage Banks” companies are held by institutional investors. 2.7% of People’s United Financial shares are held by insiders. Comparatively, 12.9% of shares of all “Retail & Mortgage Banks” companies are held by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.

Volatility and Risk

People’s United Financial has a beta of 0.84, meaning that its share price is 16% less volatile than the S&P 500. Comparatively, People’s United Financial’s rivals have a beta of 0.83, meaning that their average share price is 17% less volatile than the S&P 500.

Profitability

This table compares People’s United Financial and its rivals’ net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
People’s United Financial 18.88% 6.14% 0.75%
People’s United Financial Competitors 14.79% -27.48% 0.87%

Valuation & Earnings

This table compares People’s United Financial and its rivals top-line revenue, earnings per share (EPS) and valuation.

Gross Revenue EBITDA Price/Earnings Ratio
People’s United Financial $1.34 billion N/A 20.14
People’s United Financial Competitors $678.45 million $169.32 million 12.22

People’s United Financial has higher revenue, but lower earnings than its rivals. People’s United Financial is trading at a higher price-to-earnings ratio than its rivals, indicating that it is currently more expensive than other companies in its industry.

Analyst Recommendations

This is a summary of recent recommendations and price targets for People’s United Financial and its rivals, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
People’s United Financial 2 9 0 0 1.82
People’s United Financial Competitors 108 444 477 12 2.38

People’s United Financial currently has a consensus target price of $18.31, suggesting a potential upside of 2.15%. As a group, “Retail & Mortgage Banks” companies have a potential upside of 27.22%. Given People’s United Financial’s rivals stronger consensus rating and higher probable upside, analysts plainly believe People’s United Financial has less favorable growth aspects than its rivals.

Dividends

People’s United Financial pays an annual dividend of $0.69 per share and has a dividend yield of 3.9%. People’s United Financial pays out 77.5% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future. As a group, “Retail & Mortgage Banks” companies pay a dividend yield of 1.6% and pay out 28.4% of their earnings in the form of a dividend. People’s United Financial has increased its dividend for 10 consecutive years.

People’s United Financial Company Profile

People’s United Financial, Inc. is a bank holding company and a financial holding company of People’s United Bank (the Bank). The Bank is engaged in providing commercial banking, retail banking and wealth management services to individual, corporate and municipal customers. The Company operates through two segments: Commercial Banking and Retail Banking. Commercial Banking segment is engaged in commercial real estate lending, commercial and industrial lending, and commercial deposit gathering activities. It offers cash management, correspondent banking, municipal banking, institutional trust services, corporate trust, insurance services and private banking, among others. Retail Banking segment provides consumer lending (including residential mortgage and home equity lending) and consumer deposit gathering activities. The Retail Banking segment also includes brokerage, financial advisory services, investment management services, and life insurance and non-institutional trust services.

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