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People's United Financial (People's United Financial) Intrinsic Value: Projected FCF : $27.83 (As of May. 12, 2024)


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What is People's United Financial Intrinsic Value: Projected FCF?

Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company. The details of how we calculate the intrinsic value of stocks are described in detail here.

As of today (2024-05-12), People's United Financial's Intrinsic Value: Projected FCF is $27.83. The stock price of People's United Financial is $19.41. Therefore, People's United Financial's Price-to-Intrinsic-Value-Projected-FCF of today is 0.7.

The historical rank and industry rank for People's United Financial's Intrinsic Value: Projected FCF or its related term are showing as below:

PBCT' s Price-to-Projected-FCF Range Over the Past 10 Years
Min: 0.51   Med: 0.54   Max: 0.7
Current: 0.7

During the past 13 years, the highest Price-to-Intrinsic-Value-Projected-FCF of People's United Financial was 0.70. The lowest was 0.51. And the median was 0.54.

PBCT's Price-to-Projected-FCF is not ranked
in the Banks industry.
Industry Median: 0.45 vs PBCT: 0.70

People's United Financial Intrinsic Value: Projected FCF Historical Data

The historical data trend for People's United Financial's Intrinsic Value: Projected FCF can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

People's United Financial Intrinsic Value: Projected FCF Chart

People's United Financial Annual Data
Trend Dec12 Dec13 Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21
Intrinsic Value: Projected FCF
Get a 7-Day Free Trial Premium Member Only Premium Member Only 23.30 23.26 22.60 24.14 27.83

People's United Financial Quarterly Data
Mar17 Jun17 Sep17 Dec17 Mar18 Jun18 Sep18 Dec18 Mar19 Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21
Intrinsic Value: Projected FCF Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 24.14 25.31 26.21 26.74 27.83

Competitive Comparison of People's United Financial's Intrinsic Value: Projected FCF

For the Banks - Regional subindustry, People's United Financial's Price-to-Projected-FCF, along with its competitors' market caps and Price-to-Projected-FCF data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


People's United Financial's Price-to-Projected-FCF Distribution in the Banks Industry

For the Banks industry and Financial Services sector, People's United Financial's Price-to-Projected-FCF distribution charts can be found below:

* The bar in red indicates where People's United Financial's Price-to-Projected-FCF falls into.



People's United Financial Intrinsic Value: Projected FCF Calculation

Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company.

The details of how we calculate the intrinsic value of stocks are described in detail here.

This method smooths out the free cash flow over the past 6-7 years, multiplies the results by a growth multiple, and adds a portion of Total Stockholders Equity.

Intrinsic Value: Projected FCF = ( Growth Multiple * Free Cash Flow (6 year avg) + 0.8 * Total Stockholders Equity (most recent) ) / Shares Outstanding (Diluted Average)

In the case of negative Total Stockholders Equity, the following formula is used (see Explanation section below for the reason):

Intrinsic Value: Projected FCF = ( Growth Multiple * Free Cash Flow (6 year avg) + Total Stockholders Equity (most recent) / 0.8 ) / Shares Outstanding (Diluted Average)


Add all the Free Cash Flow together and divide 6 will get People's United Financial's Free Cash Flow(6 year avg) = $579.50.

People's United Financial's Intrinsic Value: Projected FCF for today is calculated as

Intrinsic Value: Projected FCF=(Growth Multiple*Free Cash Flow (6 year avg)+Total Stockholders Equity (Dec21)*0.8)/Shares Outstanding (Diluted Average)
=(9.5203515959648*579.504+7901.8*0.8)/425.400
=27.83

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.


People's United Financial  (NAS:PBCT) Intrinsic Value: Projected FCF Explanation

The growth multiple is capped between 8.35 and 17.74.

Total Stockholders Equity weighting is more art than science and it should always be revisited in more detail when researching a company. Weightings from 0% to 100% to more than 100% are possible. 80% was chosen as a happy median after taking the above ideas into consideration.

People's United Financial's Price-to-Intrinsic-Value-Projected-FCF for today is calculated as

Price-to-Intrinsic-Value-Projected-FCF=Share Price/Intrinsic Value: Projected FCF
=19.41/27.829153341016
=0.70

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.


People's United Financial Intrinsic Value: Projected FCF Related Terms

Thank you for viewing the detailed overview of People's United Financial's Intrinsic Value: Projected FCF provided by GuruFocus.com. Please click on the following links to see related term pages.


People's United Financial (People's United Financial) Business Description

Traded in Other Exchanges
N/A
Address
850 Main Street, Bridgeport, CT, USA, 06604
People's United Financial Inc is a United States-based bank holding company. It operates in two segments: Commercial and Retail Banking. Commercial Banking includes commercial real estate lending, middle market, and business banking, mortgage warehouse and asset-based lending, and the equipment financing operations of PCLC, PUEFC, and LEAF. It also provides treasury management services, capital market capabilities, and commercial deposit products. Retail Banking includes consumer lending and consumer deposit gathering activities. The vast majority of its revenue is generated from the Commercial Banking segment.
Executives
Jeffrey J Tengel officer: President 1900 EAST NINTH STREET, CLEVELAND OH 44114
Lee C Powlus officer: Sr Ex VP & Chief Admin Officer 850 MAIN STREET, BRIDGEPORT CT 06604
Richard M Barry officer: Chief Credit Officer 726 EXCHANGE STREET SUITE 618 BUFFALO NY 14210
Jane Chwick director C/O MARKETAXESS HOLDINGS, INC., 299 PARK AVENUE, NEW YORK NY 10171
Cruger William Frank Jr. director C/O MARKETAXESS HOLDINGS INC., 299 PARK AVENUE, NEW YORK NY 10171
Kevin T. Bottomley director DANVERS BANCORP, INC. ONE CONANT STREET DANVERS MA 01923
Nancy Mcallister, director 30 CAMP WOODBINE ROAD, PORT JEFFERSON NY 11777
James A Thomas director

People's United Financial (People's United Financial) Headlines