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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 0.13
RCKB's Cash to Debt is ranked lower than
90% of the 973 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.48 vs. RCKB: 0.13 )
Ranked among companies with meaningful Cash to Debt only.
RCKB' s 10-Year Cash to Debt Range
Min: 0.05  Med: 0.14 Max: N/A
Current: 0.13
Equity to Asset 0.11
RCKB's Equity to Asset is ranked higher than
60% of the 1290 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. RCKB: 0.11 )
Ranked among companies with meaningful Equity to Asset only.
RCKB' s 10-Year Equity to Asset Range
Min: 0.07  Med: 0.13 Max: 0.19
Current: 0.11
0.07
0.19
Interest Coverage 0.03
RCKB's Interest Coverage is ranked lower than
100% of the 1205 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.69 vs. RCKB: 0.03 )
Ranked among companies with meaningful Interest Coverage only.
RCKB' s 10-Year Interest Coverage Range
Min: 0.03  Med: 0.49 Max: 2.05
Current: 0.03
0.03
2.05
F-Score: 3
WACC vs ROIC
13.50%
1.80%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 6/10

vs
industry
vs
history
Operating margin (%) 8.30
RCKB's Operating margin (%) is ranked lower than
87% of the 1357 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 29.54 vs. RCKB: 8.30 )
Ranked among companies with meaningful Operating margin (%) only.
RCKB' s 10-Year Operating margin (%) Range
Min: -331.76  Med: 19.08 Max: 30.16
Current: 8.3
-331.76
30.16
Net-margin (%) 10.33
RCKB's Net-margin (%) is ranked lower than
81% of the 1356 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.24 vs. RCKB: 10.33 )
Ranked among companies with meaningful Net-margin (%) only.
RCKB' s 10-Year Net-margin (%) Range
Min: -4.72  Med: 18.66 Max: 147.49
Current: 10.33
-4.72
147.49
ROE (%) 3.35
RCKB's ROE (%) is ranked lower than
81% of the 1355 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.13 vs. RCKB: 3.35 )
Ranked among companies with meaningful ROE (%) only.
RCKB' s 10-Year ROE (%) Range
Min: -1.05  Med: 4.83 Max: 10.77
Current: 3.35
-1.05
10.77
ROA (%) 0.40
RCKB's ROA (%) is ranked lower than
75% of the 1364 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.80 vs. RCKB: 0.40 )
Ranked among companies with meaningful ROA (%) only.
RCKB' s 10-Year ROA (%) Range
Min: -0.11  Med: 0.63 Max: 0.89
Current: 0.4
-0.11
0.89
ROC (Joel Greenblatt) (%) 30.23
RCKB's ROC (Joel Greenblatt) (%) is ranked lower than
74% of the 1348 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 74.52 vs. RCKB: 30.23 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
RCKB' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -249.72  Med: 85.39 Max: 126.09
Current: 30.23
-249.72
126.09
Revenue Growth (3Y)(%) 12.00
RCKB's Revenue Growth (3Y)(%) is ranked higher than
82% of the 1149 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.70 vs. RCKB: 12.00 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
RCKB' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0  Med: -1.30 Max: 24.2
Current: 12
0
24.2
EBITDA Growth (3Y)(%) -24.60
RCKB's EBITDA Growth (3Y)(%) is ranked lower than
92% of the 1011 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.10 vs. RCKB: -24.60 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
RCKB' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: -24.60 Max: 13.6
Current: -24.6
0
13.6
EPS Growth (3Y)(%) -13.80
RCKB's EPS Growth (3Y)(%) is ranked lower than
86% of the 1020 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.20 vs. RCKB: -13.80 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
RCKB' s 10-Year EPS Growth (3Y)(%) Range
Min: 0  Med: -13.80 Max: 17
Current: -13.8
0
17
» RCKB's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

RCKB Guru Trades in

Q4 2013

RCKB Guru Trades in Q4 2013

John Keeley 361,000 sh (unchged)
John Keeley 361,000 sh (-80.20%)
» More
Q1 2014

RCKB Guru Trades in Q1 2014

Jim Simons 647,310 sh (New)
John Keeley 361,000 sh (unchged)
» More
Q2 2014

RCKB Guru Trades in Q2 2014

John Keeley Sold Out
Jim Simons Sold Out
» More
» Details

Insider Trades

Latest Guru Trades with RCKB

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Ratios

vs
industry
vs
history
P/E(ttm) 39.60
RCKB's P/E(ttm) is ranked lower than
92% of the 1244 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.30 vs. RCKB: 39.60 )
Ranked among companies with meaningful P/E(ttm) only.
RCKB' s 10-Year P/E(ttm) Range
Min: 20.7  Med: 36.21 Max: 1008.57
Current: 39.6
20.7
1008.57
Forward P/E 16.03
RCKB's Forward P/E is ranked lower than
81% of the 750 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.38 vs. RCKB: 16.03 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 39.30
RCKB's PE(NRI) is ranked lower than
92% of the 1217 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.30 vs. RCKB: 39.30 )
Ranked among companies with meaningful PE(NRI) only.
RCKB' s 10-Year PE(NRI) Range
Min: 20.54  Med: 36.19 Max: 1412
Current: 39.3
20.54
1412
P/B 1.11
RCKB's P/B is ranked higher than
51% of the 1351 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.12 vs. RCKB: 1.11 )
Ranked among companies with meaningful P/B only.
RCKB' s 10-Year P/B Range
Min: 0.81  Med: 1.37 Max: 7.57
Current: 1.11
0.81
7.57
P/S 3.68
RCKB's P/S is ranked lower than
64% of the 1422 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.99 vs. RCKB: 3.68 )
Ranked among companies with meaningful P/S only.
RCKB' s 10-Year P/S Range
Min: 3.29  Med: 4.84 Max: 14.61
Current: 3.68
3.29
14.61
EV-to-EBIT 85.75
RCKB's EV-to-EBIT is ranked lower than
96% of the 1366 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.30 vs. RCKB: 85.75 )
Ranked among companies with meaningful EV-to-EBIT only.
RCKB' s 10-Year EV-to-EBIT Range
Min: -564.2  Med: 34.40 Max: 2590.3
Current: 85.75
-564.2
2590.3
Shiller P/E 30.51
RCKB's Shiller P/E is ranked lower than
82% of the 771 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 17.62 vs. RCKB: 30.51 )
Ranked among companies with meaningful Shiller P/E only.
RCKB' s 10-Year Shiller P/E Range
Min: 27.33  Med: 34.92 Max: 53.57
Current: 30.51
27.33
53.57
Days Sales Outstanding 29.91
RCKB's Days Sales Outstanding is ranked higher than
58% of the 770 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 35.19 vs. RCKB: 29.91 )
Ranked among companies with meaningful Days Sales Outstanding only.
RCKB' s 10-Year Days Sales Outstanding Range
Min: 21.72  Med: 34.14 Max: 197.97
Current: 29.91
21.72
197.97

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.16
RCKB's Dividend Yield is ranked higher than
61% of the 2112 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.57 vs. RCKB: 3.16 )
Ranked among companies with meaningful Dividend Yield only.
RCKB' s 10-Year Dividend Yield Range
Min: 0.25  Med: 2.22 Max: 3.27
Current: 3.16
0.25
3.27
Dividend Payout 0.98
RCKB's Dividend Payout is ranked lower than
94% of the 1248 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.24 vs. RCKB: 0.98 )
Ranked among companies with meaningful Dividend Payout only.
RCKB' s 10-Year Dividend Payout Range
Min: 0.33  Med: 0.56 Max: 3.57
Current: 0.98
0.33
3.57
Dividend growth (3y) 14.00
RCKB's Dividend growth (3y) is ranked higher than
67% of the 640 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.20 vs. RCKB: 14.00 )
Ranked among companies with meaningful Dividend growth (3y) only.
RCKB' s 10-Year Dividend growth (3y) Range
Min: 0  Med: 10.50 Max: 35.7
Current: 14
0
35.7
Yield on cost (5-Year) 6.67
RCKB's Yield on cost (5-Year) is ranked higher than
85% of the 2110 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.91 vs. RCKB: 6.67 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
RCKB' s 10-Year Yield on cost (5-Year) Range
Min: 0.53  Med: 4.68 Max: 6.9
Current: 6.67
0.53
6.9
Share Buyback Rate -14.70
RCKB's Share Buyback Rate is ranked lower than
84% of the 931 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.50 vs. RCKB: -14.70 )
Ranked among companies with meaningful Share Buyback Rate only.
RCKB' s 10-Year Share Buyback Rate Range
Min: 0  Med: 21.50 Max: -15.9
Current: -14.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.40
RCKB's Price/Tangible Book is ranked lower than
62% of the 1331 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.18 vs. RCKB: 1.40 )
Ranked among companies with meaningful Price/Tangible Book only.
RCKB' s 10-Year Price/Tangible Book Range
Min: 0.84  Med: 1.42 Max: 6.74
Current: 1.4
0.84
6.74
Price/Projected FCF 1.11
RCKB's Price/Projected FCF is ranked lower than
80% of the 775 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.68 vs. RCKB: 1.11 )
Ranked among companies with meaningful Price/Projected FCF only.
RCKB' s 10-Year Price/Projected FCF Range
Min: 0.71  Med: 0.88 Max: 2.93
Current: 1.11
0.71
2.93
Price/Median PS Value 0.76
RCKB's Price/Median PS Value is ranked higher than
88% of the 1286 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.11 vs. RCKB: 0.76 )
Ranked among companies with meaningful Price/Median PS Value only.
RCKB' s 10-Year Price/Median PS Value Range
Min: 0.69  Med: 1.02 Max: 2.42
Current: 0.76
0.69
2.42
Price/Graham Number 1.50
RCKB's Price/Graham Number is ranked lower than
87% of the 1154 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.88 vs. RCKB: 1.50 )
Ranked among companies with meaningful Price/Graham Number only.
RCKB' s 10-Year Price/Graham Number Range
Min: 1.01  Med: 1.35 Max: 6.05
Current: 1.5
1.01
6.05
Earnings Yield (Greenblatt) (%) 1.20
RCKB's Earnings Yield (Greenblatt) (%) is ranked lower than
87% of the 1364 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.40 vs. RCKB: 1.20 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
RCKB' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.1  Med: 2.80 Max: 5.6
Current: 1.2
0.1
5.6
Forward Rate of Return (Yacktman) (%) -3.52
RCKB's Forward Rate of Return (Yacktman) (%) is ranked lower than
80% of the 770 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.43 vs. RCKB: -3.52 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
RCKB' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -3.5  Med: 5.00 Max: 54.2
Current: -3.52
-3.5
54.2

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:OCN, HOME, PBCT, HCBK, ISBC » details
United Financial Bancorp Inc is a bank holding company formed on December 17, 2004. The Company is a holding company for Rockville Bank or the Bank. The Company along with its subsidiary is a provider of traditional banking products and services to business organizations and individuals, offering products such as residential and commercial real estate loans, commercial business loans, consumer loans, deposit products and financial advisory products and services. It provides financial services to individuals, families and businesses mainly throughout Connecticut and the region through 22 banking offices, three loan production offices, 38 ATMs, telephone banking, mobile banking and its internet website. The Company originates commercial loans, commercial real estate loans, residential and commercial construction loans, residential real estate loans collateralized by one-to-four family residences, home equity lines of credit and fixed rate loans and other consumer loans. The Company provides adjustable rate mortgages which do not contain interest-only or negative amortization features. It also provides home equity loans and home equity lines of credit, both of which are secured by owner-occupied one-to-four family residences. It operates mainly in suburban market area that has a stable population and household base. All of its current branch offices are located in Connecticut in Hartford, New London and Tolland Counties. The Company is subject to strong competition from banks and other financial institutions, including savings and loan associations, commercial banks, finance and mortgage companies, credit unions, consumer finance companies, brokerage firms and insurance companies.

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