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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 : 4/10

vs
industry
vs
history
Cash to Debt 0.19
RCKB's Cash to Debt is ranked lower than
88% of the 1627 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.02 vs. RCKB: 0.19 )
Ranked among companies with meaningful Cash to Debt only.
RCKB' s Cash to Debt Range Over the Past 10 Years
Min: 0.05  Med: 0.14 Max: N/A
Current: 0.19
Equity to Asset 0.10
RCKB's Equity to Asset is ranked higher than
50% of the 1649 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. RCKB: 0.10 )
Ranked among companies with meaningful Equity to Asset only.
RCKB' s Equity to Asset Range Over the Past 10 Years
Min: 0.07  Med: 0.12 Max: 0.19
Current: 0.1
0.07
0.19
Interest Coverage 1.22
RCKB's Interest Coverage is ranked lower than
57% of the 1751 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.64 vs. RCKB: 1.22 )
Ranked among companies with meaningful Interest Coverage only.
RCKB' s Interest Coverage Range Over the Past 10 Years
Min: 0.03  Med: 0.62 Max: 2.05
Current: 1.22
0.03
2.05
F-Score: 1
M-Score: -2.25
WACC vs ROIC
15.59%
2.82%
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 (%) 24.41
RCKB's Operating margin (%) is ranked lower than
66% of the 1672 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.82 vs. RCKB: 24.41 )
Ranked among companies with meaningful Operating margin (%) only.
RCKB' s Operating margin (%) Range Over the Past 10 Years
Min: -7.57  Med: 26.22 Max: 30.16
Current: 24.41
-7.57
30.16
Net-margin (%) 22.71
RCKB's Net-margin (%) is ranked higher than
51% of the 1670 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.17 vs. RCKB: 22.71 )
Ranked among companies with meaningful Net-margin (%) only.
RCKB' s Net-margin (%) Range Over the Past 10 Years
Min: -4.72  Med: 17.6 Max: 25.19
Current: 22.71
-4.72
25.19
ROE (%) 7.08
RCKB's ROE (%) is ranked lower than
60% of the 1670 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.38 vs. RCKB: 7.08 )
Ranked among companies with meaningful ROE (%) only.
RCKB' s ROE (%) Range Over the Past 10 Years
Min: -1.05  Med: 4.71 Max: 8.09
Current: 7.08
-1.05
8.09
ROA (%) 0.72
RCKB's ROA (%) is ranked lower than
61% of the 1678 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.89 vs. RCKB: 0.72 )
Ranked among companies with meaningful ROA (%) only.
RCKB' s ROA (%) Range Over the Past 10 Years
Min: -0.11  Med: 0.64 Max: 0.85
Current: 0.72
-0.11
0.85
Revenue Growth (3Y)(%) 11.00
RCKB's Revenue Growth (3Y)(%) is ranked higher than
78% of the 1368 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.20 vs. RCKB: 11.00 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
RCKB' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 4.8 Max: 24.3
Current: 11
0
24.3
EBITDA Growth (3Y)(%) 13.50
RCKB's EBITDA Growth (3Y)(%) is ranked higher than
72% of the 1251 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.80 vs. RCKB: 13.50 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
RCKB' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: -13.6 Max: 13.5
Current: 13.5
0
13.5
EPS Growth (3Y)(%) 21.30
RCKB's EPS Growth (3Y)(%) is ranked higher than
79% of the 1227 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.30 vs. RCKB: 21.30 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
RCKB' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: -7.35 Max: 21.3
Current: 21.3
0
21.3
» RCKB's 10-Y Financials

Financials


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

» Details

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Q2 2014

RCKB Guru Trades in Q2 2014

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Jim Simons Sold Out
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Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:NAS:TBNK, OTCPK:BFCF, NAS:BSF, NAS:EBTC, NAS:BFIN, NAS:CSBK, OTCPK:NASB, NAS:UCFC, NAS:HBCP, NAS:BKMU, NAS:FDEF, NAS:SMBC, NAS:FNWB, NAS:GCBC, NAS:LSBG, NAS:SIFI, NAS:ESSA, NAS:PROV, NAS:ICBK, NAS:RVSB » details
United Financial Bancorp Inc, through its subsidiaries, provides traditional banking products and services to business organizations and individuals offering products such as residential and commercial real estate loans, and commercial business loans.

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 53 banking offices, three loan production offices, 63 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.

Ratios

vs
industry
vs
history
P/E(ttm) 18.92
RCKB's P/E(ttm) is ranked lower than
74% of the 2008 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.10 vs. RCKB: 18.92 )
Ranked among companies with meaningful P/E(ttm) only.
RCKB' s P/E(ttm) Range Over the Past 10 Years
Min: 11.25  Med: 34.28 Max: 1412
Current: 18.92
11.25
1412
Forward P/E 16.03
RCKB's Forward P/E is ranked lower than
70% of the 561 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.92 vs. RCKB: 16.03 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 18.92
RCKB's PE(NRI) is ranked lower than
71% of the 1604 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.85 vs. RCKB: 18.92 )
Ranked among companies with meaningful PE(NRI) only.
RCKB' s PE(NRI) Range Over the Past 10 Years
Min: 11.25  Med: 34.28 Max: 1412
Current: 18.92
11.25
1412
Price/Owner Earnings (ttm) 50.27
RCKB's Price/Owner Earnings (ttm) is ranked lower than
92% of the 909 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.74 vs. RCKB: 50.27 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
RCKB' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 1.53  Med: 28.39 Max: 2165
Current: 50.27
1.53
2165
P/B 1.29
RCKB's P/B is ranked lower than
61% of the 1990 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.11 vs. RCKB: 1.29 )
Ranked among companies with meaningful P/B only.
RCKB' s P/B Range Over the Past 10 Years
Min: 0.8  Med: 1.22 Max: 7.57
Current: 1.29
0.8
7.57
P/S 4.23
RCKB's P/S is ranked lower than
70% of the 2055 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.18 vs. RCKB: 4.23 )
Ranked among companies with meaningful P/S only.
RCKB' s P/S Range Over the Past 10 Years
Min: 2.79  Med: 4.49 Max: 8.95
Current: 4.23
2.79
8.95
EV-to-EBIT 35.94
RCKB's EV-to-EBIT is ranked lower than
91% of the 1615 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.02 vs. RCKB: 35.94 )
Ranked among companies with meaningful EV-to-EBIT only.
RCKB' s EV-to-EBIT Range Over the Past 10 Years
Min: -564.2  Med: 34.9 Max: 2384.6
Current: 35.94
-564.2
2384.6
EV-to-EBITDA 33.48
RCKB's EV-to-EBITDA is ranked lower than
91% of the 1612 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.08 vs. RCKB: 33.48 )
Ranked among companies with meaningful EV-to-EBITDA only.
RCKB' s EV-to-EBITDA Range Over the Past 10 Years
Min: -544.7  Med: 32 Max: 3537.5
Current: 33.48
-544.7
3537.5
PEG 94.50
RCKB's PEG is ranked lower than
99% of the 748 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.28 vs. RCKB: 94.50 )
Ranked among companies with meaningful PEG only.
RCKB' s PEG Range Over the Past 10 Years
Min: 0.49  Med: 1.53 Max: 94.5
Current: 94.5
0.49
94.5
Shiller P/E 35.84
RCKB's Shiller P/E is ranked lower than
84% of the 510 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 19.87 vs. RCKB: 35.84 )
Ranked among companies with meaningful Shiller P/E only.
RCKB' s Shiller P/E Range Over the Past 10 Years
Min: 25.91  Med: 35.02 Max: 42.06
Current: 35.84
25.91
42.06

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.16
RCKB's Dividend Yield is ranked higher than
51% of the 2321 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.78 vs. RCKB: 3.16 )
Ranked among companies with meaningful Dividend Yield only.
RCKB' s Dividend Yield Range Over the Past 10 Years
Min: 0.25  Med: 2.54 Max: 4.13
Current: 3.16
0.25
4.13
Dividend Payout 0.98
RCKB's Dividend Payout is ranked lower than
80% of the 1305 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. RCKB: 0.98 )
Ranked among companies with meaningful Dividend Payout only.
RCKB' s Dividend Payout Range Over the Past 10 Years
Min: 0.33  Med: 0.53 Max: 3.33
Current: 0.98
0.33
3.33
Dividend Growth (3y) 8.50
RCKB's Dividend Growth (3y) is ranked higher than
51% of the 738 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.90 vs. RCKB: 8.50 )
Ranked among companies with meaningful Dividend Growth (3y) only.
RCKB' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: 9.5 Max: 35.7
Current: 8.5
0
35.7
Yield on cost (5-Year) 5.95
RCKB's Yield on cost (5-Year) is ranked higher than
71% of the 2628 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.46 vs. RCKB: 5.95 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
RCKB' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.47  Med: 4.78 Max: 7.78
Current: 5.95
0.47
7.78
3-Year Average Share Buyback Ratio -21.00
RCKB's 3-Year Average Share Buyback Ratio is ranked lower than
89% of the 1057 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.90 vs. RCKB: -21.00 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
RCKB' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -21  Med: -0.1 Max: 0
Current: -21
-21
0

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.58
RCKB's Price/Tangible Book is ranked lower than
67% of the 2002 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.19 vs. RCKB: 1.58 )
Ranked among companies with meaningful Price/Tangible Book only.
RCKB' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.84  Med: 1.37 Max: 6.73
Current: 1.58
0.84
6.73
Price/Projected FCF 1.44
RCKB's Price/Projected FCF is ranked lower than
83% of the 1125 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.77 vs. RCKB: 1.44 )
Ranked among companies with meaningful Price/Projected FCF only.
RCKB' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.73  Med: 0.91 Max: 1.45
Current: 1.44
0.73
1.45
Price/Median PS Value 0.94
RCKB's Price/Median PS Value is ranked higher than
71% of the 1898 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.09 vs. RCKB: 0.94 )
Ranked among companies with meaningful Price/Median PS Value only.
RCKB' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.7  Med: 1 Max: 2.62
Current: 0.94
0.7
2.62
Price/Peter Lynch Fair Value 2.15
RCKB's Price/Peter Lynch Fair Value is ranked lower than
86% of the 511 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.10 vs. RCKB: 2.15 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
RCKB' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 1.01  Med: 1.64 Max: 31.29
Current: 2.15
1.01
31.29
Price/Graham Number 1.16
RCKB's Price/Graham Number is ranked lower than
69% of the 1743 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.88 vs. RCKB: 1.16 )
Ranked among companies with meaningful Price/Graham Number only.
RCKB' s Price/Graham Number Range Over the Past 10 Years
Min: 0.84  Med: 1.41 Max: 8.36
Current: 1.16
0.84
8.36
Earnings Yield (Greenblatt) (%) 2.80
RCKB's Earnings Yield (Greenblatt) (%) is ranked lower than
66% of the 2188 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.00 vs. RCKB: 2.80 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
RCKB' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.1  Med: 2.8 Max: 5.6
Current: 2.8
0.1
5.6
Forward Rate of Return (Yacktman) (%) 10.19
RCKB's Forward Rate of Return (Yacktman) (%) is ranked lower than
54% of the 879 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.55 vs. RCKB: 10.19 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
RCKB' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -6  Med: 5.1 Max: 54.2
Current: 10.19
-6
54.2

More Statistics

Short Percentage of Float2.62%
52-Week Range $12.21 - 15.42
Shares Outstanding (Mil)25.98

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