The financial services sector includes nineteen industries all related to managing money: asset management; banks either global or from any of seven regions, capital markets, credit services, financial exchanges, insurance in six specializations, savings banks, and specialty finance.

Today I'm reviewing a mid-cap regional US Bank..

It's name is People's United Financial Inc.

 It's trading ticker symbol is PBCT.  

People's United Financial Inc is a bank holding company. It provides commercial banking, retail and business banking, and wealth management services to individual, corporate and municipal customers.

The company operates in two segments, Commercial Banking and Retail Banking.  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.

I use three key data points gauge the value of any dividend equity or fund like People's United Financial Inc.: 

(1) Price

(2) Dividends

(3) Returns

After those three, four more keys will finally unlock an equity or fund in which to invest. 

No matter what, it's the first three primary traits that best tell whether a company has made, is making, and will make money. 

PBCT Price

People's price was $18.73 per share at Friday's market close. A year ago its price was $17.62 for a gain of $1.11 per share in the past year.  

Assuming People's price will continue to trade in the range of $16.00 to $20.00 next year, its price could grow another $1.11 from $18.73 to $19.84 by June 18, 2019. 

PBCT Dividends

People's most recently declared monthly dividend was $0.175 per share paid in May. That $0.175 monthly dividend equates to an estimated annual payout of $0.70 per share for 2018-19 which yields 3.74% at yesterday's $18.73 closing stock price.  

Gains For PBCT?

People's $1.11 estimated year over year price gain plus an anticipated dividend of  $0.70 makes a projected gross annual gain of $1.81 per share, which will be reduced by the costs to trade those shares.  

A little over $1,000.00 invested today at the $18.73 price buys 53 shares. 

A $10 broker fee paid half at purchase and half at sale subtracts $0.19 per share.

Taking that $0.19 brokerage cost out of the estimated $1.81 gross gain per share leaves a net gain of $1.62 X 53 shares 

= $85.85

or a 8.6% potential net gain on a $992.69 investment.

Therefore, People's United Financial Inc. (whose ticker symbol is PBCT), now shows a possible 8.6% net gain including a 3.74% dividend yield. 

Twelve analysts cover this stock:

One says "buy" PBCT.

Ten say "hold" the stock.

One says PBCT will "underperform."

Their twelve analyst consensus recommendation is 2.9 or "Hold" and their median price target is just $1.12 or a penny over my year over year estimate.

Y Charts rates PBCT "attractive" for an overall "Y" rating. Y Charts also shows "good" for a Value score of 9 out of ten points. And YCharts ranks PBCT "strong" with 7 out of 10  possible Fundamental points. Y Charts Historic Valuation score for PBCT is 6.75% undervalued at a $20.09 historic valuation.

You could look at all those numbers like this:  People's United Financial Inc. has made money, is making money, and could net a 8% to 9% net  gain next year including a 3.74% annual dividend yield paid out quarterly. It could be more, it could be less.

The above speculation is conjecture based on past year performance. Actual results remain to be seen. They could turn out to be far higher or lower. More study is required for you to determine if People's United Financial Inc. is worth your time and money.