LONDON, January 25, 2013 /PRNewswire/ --

Savings and loans banks are trying to maintain momentum generated in the fourth quarter. The key drivers for the industry's recent run have been reduced provisions for loan losses, better credit quality and declines in operating expenses.  StockCall has taken this opportunity to initiate its first round of technical research on People's United Financial Inc. (NYSE :PBCT ) and Hudson City Bancorp Inc. (NYSE :HCBK ). The free reports are accessible upon registration to http://www.stockcall.com/todaysopinions

The recent performances from People's United Financial Inc. exemplify the upside to these trends. People's United Financial saw 4^th quarter provisions for loan losses drop an impressive 42% over the prior year and 21% over the prior quarter. It also saw net loan charge-offs of $10 million, 32.4% lower than the $14.8 million reported in the comparable quarter of a year ago. Even as credit metrics were a little of a mixed bag during the quarter, it was on an improvement path. 2013 looks positive as the company aims to see strong enhancement in its financials backed by growth in its deposits and loans portfolio from recent acquisitions. Our free research on People's United Financial is available at http://www.StockCall.com/PBCT012513.pdf

Hudson City Bancorp is scheduled to report its quarterly results on January 30^th, 2013, and has seen shares climb steadily in the last 30 days. In its last reported quarter the bank saw its provision for loan losses decreased to $20 million from $25 million seen in the third quarter of 2011. Net charge-offs were also down as compared to a year ago. Sign up now for our full research on Hudson City Bancorp at http://www.StockCall.com/HCBK012513.pdf

The industry is still facing headwinds in the form of shrinking net interest margins. The low interest rate environment in combination with a slow economic recovery will likely continue to pressure margins for the foreseeable future but not to the point of inhibiting growth.

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