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Company's Investment Success Especially In Relation To Essay

¶ … company's investment success especially in relation to other companies. The paper aims at establishing how a company's competitiveness can be calculated in relation to others in the same industry and the factors that hinder the calculations or hinder a true picture of the same Compare industry average and a main competitor

For convenient comparison of industry average, majority of companies place Industry average values next to a company's financial measures for convenient comparison. To get a clear picture, a company can obtain industry average from its competitor by carefully examining (its competitors) stock screen results. (Gray, 2004)

However it is notable that various industries have their peculiarities with some operating under very heavy debts which would companies in other industries. For instance, software companies enjoy high profit margins that other companies envy and that all software companies must attain to stay in the game.

For that case, to see whether a company is doing well, you must compare its financial measures with those of the overall industry to which it belongs. And because most industries contain companies of all sizes and specialties it is good to compare a company to its direct competitors.

Strong competitors in an industry are seen by their industry average performance. Comparison can be done using revenue growth, gross margin, and operating margin. In the same time, one can make use of the spreadsheets that industrial- strength stock screens produce to calculate average values for the competition. By screening for stocks in a specific industry, limiting the field to companies with similar annual revenue or specifying other criteria, the results are likely to reflect your view of a company's closet competitors. (Titman, 1988)

What difference does it make to make a comparison with a main competitor? Financial data represents a company major nature of its structure and strategy. Making the difference between the industry and the main competitors helps the company determine its standing or performances in relation to other companies.

Relate People's United Bank's capital structure choices and capital structure theory(ies).

The theory of capital structure with the celebrated Modigliani and Miller in 1995. Since then many structures have used it. Capital structure theories are based on agency costs, asymmetric information, product/input market interactions, and corporate control considerations (but excluding tax-based theories).

The function of the theory is to provide the optimal dynamic recapitalization policy as a function of firm-specific characteristics. Even for small recapitalization costs lead to wide swings in a firm's debt ratio over time. Rather than static leverage measures, we use the observed debt ratio range of a firm as an empirical measure of capital structure relevance. The results of empirical tests relating firms' debt ratio ranges to firm-specific features strongly support the theoretical model of relevant capital structure choice in a dynamic setting.

For each of the structure model their relation to each other is given. The central papers are described in some detail, and their results are summarized and followed by a discussion of related extensions. Majority of a broader set of capital structure has not been analyzed empirically. Since the capital structure theories have different empirical implications in regard to different type of debt instrument, it is essential to analyze measures of short-term, long-term and convertible debt rather than an aggregate measure of total debt.

Salawu, R. (2007) argues that Credit rating, volatility of earnings and cash flow, bankruptcy, or near-bankruptcy, financial distress, transaction costs, fees for issuing debts, and financial flexibility are important factors that affect bank's choice between short- and long-term debt is matching the maturity of debt with life on the debt.

The determinants of bank capital structure are mainly ownership structure, and management control, growth and opportunity, profitability, issuing cost, and tax economics associated with debt. It is therefore advisable that the banks go for a mixed source of financing and choosing an appropriate ownership structure and management policy. (Riahi, 2003)

United Bank's Capital structure choices are what are translated to capital structure theory. To investigate the determinants of capital structure choices can be done by analyzing the financing decision of public firms in the major industrialized countries. A deeper understanding of the two concepts suggests that the theoretical underpinnings of the observed are still largely unresolved.

Firms adjust their capital structure infrequently when there is a friction. The result of this is, is that company are likely to differ from the "optimum" leverage at the time of readjustment in a dynamic economy. The results of standard cross-sectional tests on these data are consistent with those reported in the empirical literature. In particular, the standard interpretation of...

Taken together, the results suggest a better way of using the cost models in companies. Recent empirical show a discrimination policy for cost models focusing on regularities in the cross section of leverage to discriminate between various theories of financing policy
A component executive summary of the banking industry

Banking is in turmoil. The banking institution is changing with the whole industry changing too. The changes are mainly as a result of technological advances or changes which are transforming banking practices. Regulatory changes have also contributed in transforming the institution.

'These changes have been followed with the unprecedented waves of mergers and acquisitions. It is because of this that the institutions seem to dominate the scene. The banks are also more fragile than before as the consequences of the near-collapse of long-term capital illustrate.' (Riahi, 1999)

What are the implications of competitiveness within the banking industry? And how should governments' mange regulation and bank supervision?

Obtain current stock price company additional calculation

People's United Financial Inc., is part of People's United Bank that provides commercial banking, retail and business banking, and wealth management to individuals, corporate, and municipal customers. The People's United Bank provides commercial and industrial lending, besides that it also offers commercial real estate lending and commercial deposit. Other services provided by the People's United Bank include deposit gathering services, equipment financing, cash management, municipal banking services and correspondent banking.

The company's retail and business ranking and business banking is fundamental to consumer and business deposit gathering services, consumer lending services including residential mortgage and merchant services.

Its wealth management segment provide trust services., corporate trust brokerage, financial advisory services including investment management services, and life insurance beside offering other insurances as well as private banking.

The other services that are offered by the company include online and telephone banking and investment trading services, plus automated teller Machine (ATM) services. Its services are well-known by the consumers.

Obtain the current stock price for your company and use it as an additional calculation

People's United Financial Inc. reported consolidated earnings results for the second quarter and six months ended July 30, 2011. For the quarter, the company reported net income of $51.2 million or $0.15 per basic and diluted share compared to $16.0 million or $0.04 per basic and diluted share for the second quarter of 2010.

Operating earnings totaled $57.3 million or $0.17 per share compared to %31.8 million or $0.09 per share for the second quarter of 2010. The company's performance this quarter is a reflection of an improvement of net interest income, continued positive results in its fee businesses and tighter expense control. The return on average assets was 0.82% and the return on average, tangible stockholders' equity was 6.3% compared to 0.29% and 1.7% respectively, for the second quarter of 2010.

Operating return on average asset was 0.92% compared to 0.58% for the second quarter of 2010. Operating return on average tangible equity was 7.1% compared to 3.4% for the second quarter of 2010. Net interest income was $221.2 million compared to $173.8 million reported a year ago.

Income before income tax expense was $76.8 million compared to $23.0 million reported a year ago. Return on average tangible asset was 0.895 compared to 0.32% reported a year ago. Return on average stock holders' equity was 4.0% compared to 1.2% reported a year ago. Book value per share was $15.01 compared to $5.10 as at June 30, 2010 etc.

Based upon all of your research, would you recommend investing in this company? Justify your answer.

I would invest in this company and would also recommend the same to someone else. The reason for this is due to its high return and the various services that are offering. There are many benefits to be enjoyed while transacting many services while in the same place. The company's performance is also great as the calculations above have shown to compete with others and still maintain success.

Besides that the company has a lot great achievements in the overall it has been operating and this shows that it is able to meet its short, medium and long-term objectives. Besides that its performance is outstanding in almost in all of the areas that is operating.

Investment Analysis and Recommendation Paper,

Creating an investment analysis is helpful. Having a bunch of financial statements is not very efficient nor is it effective in any way. In fact it does not help the company determine whether or not a company is a good investment decision.

It is important that thoughts are organized well…

Sources used in this document:
Works Cited

Gray, A. (2004) Introduction to Marketing, 7th Edition, New York, Prentice Hall

Riahi, A. (2003) The Capital Structure Paradigm: Evolution of Debt? Equity Choices; New York, Praeger

Riahi, A. (1999) Capital Structure: Determination, Evaluation and Accounting

Titman, S (1988) Journal of Finance, Volume 43, Issue: 1, Publisher: American Finance Association; Blackwell publishing
Salawu, R. (2007) The Financial Managers' Perspectives: Global Journal of Business Research, Volume 1, No.1, pp.60-69, http://ssrn.com/abstract=1542808
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