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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 0.14
UBNK's Cash to Debt is ranked higher than
52% of the 1566 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.48 vs. UBNK: 0.14 )
UBNK' s 10-Year Cash to Debt Range
Min: 0.05   Max: No Debt
Current: 0.14

Equity to Asset 0.12
UBNK's Equity to Asset is ranked higher than
85% of the 2010 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.09 vs. UBNK: 0.12 )
UBNK' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.19
Current: 0.12

0.07
0.19
Interest Coverage 1.87
UBNK's Interest Coverage is ranked higher than
74% of the 1837 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.30 vs. UBNK: 1.87 )
UBNK' s 10-Year Interest Coverage Range
Min: 0.3   Max: 2.05
Current: 1.87

0.3
2.05
F-Score: 4
Z-Score: 0.15
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 : 7/10

vs
industry
vs
history
Operating margin (%) 5.49
UBNK's Operating margin (%) is ranked higher than
52% of the 2021 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 29.33 vs. UBNK: 5.49 )
UBNK' s 10-Year Operating margin (%) Range
Min: -331.76   Max: 30.16
Current: 5.49

-331.76
30.16
Net-margin (%) 5.50
UBNK's Net-margin (%) is ranked higher than
52% of the 2021 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.41 vs. UBNK: 5.50 )
UBNK' s 10-Year Net-margin (%) Range
Min: -4.72   Max: 147.49
Current: 5.5

-4.72
147.49
ROE (%) 1.62
UBNK's ROE (%) is ranked higher than
52% of the 2031 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.59 vs. UBNK: 1.62 )
UBNK' s 10-Year ROE (%) Range
Min: -1.05   Max: 10.77
Current: 1.62

-1.05
10.77
ROA (%) 0.20
UBNK's ROA (%) is ranked higher than
53% of the 2034 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.80 vs. UBNK: 0.20 )
UBNK' s 10-Year ROA (%) Range
Min: -0.11   Max: 0.89
Current: 0.2

-0.11
0.89
ROC (Joel Greenblatt) (%) 19.44
UBNK's ROC (Joel Greenblatt) (%) is ranked higher than
56% of the 2003 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 76.89 vs. UBNK: 19.44 )
UBNK' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -249.72   Max: 126.09
Current: 19.44

-249.72
126.09
Revenue Growth (3Y)(%) 12.40
UBNK's Revenue Growth (3Y)(%) is ranked higher than
93% of the 1740 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.20 vs. UBNK: 12.40 )
UBNK' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0   Max: 24.2
Current: 12.4

0
24.2
EBITDA Growth (3Y)(%) 4.40
UBNK's EBITDA Growth (3Y)(%) is ranked higher than
71% of the 1563 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.60 vs. UBNK: 4.40 )
UBNK' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 13.6
Current: 4.4

0
13.6
EPS Growth (3Y)(%) 7.10
UBNK's EPS Growth (3Y)(%) is ranked higher than
73% of the 1547 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.90 vs. UBNK: 7.10 )
UBNK' s 10-Year EPS Growth (3Y)(%) Range
Min: 0   Max: 17
Current: 7.1

0
17
» UBNK's 10-Y Financials

Financials


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

» Details

Guru Trades

Q4 2013

UBNK Guru Trades in Q4 2013

Jim Simons 753,720 sh (+33.36%)
Jim Simons 208,074 sh (+20.76%)
Michael Price 80,300 sh (unchged)
Charles Brandes 10,980 sh (unchged)
» More
Q1 2014

UBNK Guru Trades in Q1 2014

Jim Simons 227,725 sh (+9.44%)
Michael Price 80,300 sh (unchged)
Charles Brandes 10,980 sh (unchged)
» More
Q2 2014

UBNK Guru Trades in Q2 2014

John Keeley 1,977,372 sh (New)
Jim Simons 716,739 sh (+214.74%)
Michael Price Sold Out
Charles Brandes 10,858 sh (-1.11%)
» More
Q3 2014

UBNK Guru Trades in Q3 2014

Charles Brandes 23,147 sh (+113.18%)
John Keeley 2,541,342 sh (+28.52%)
Jim Simons 741,912 sh (+3.51%)
» More
» Details

Insider Trades

Latest Guru Trades with UBNK

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

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
John Keeley 2014-09-30 Add 28.52%0.15%$12.1 - $13.5 $ 14.1812%2541342
Charles Brandes 2014-09-30 Add 113.18%$12.1 - $13.5 $ 14.1812%23147
John Keeley 2014-06-30 New Buy0.48%$12.51 - $14.23 $ 14.186%1977372
Michael Price 2014-06-30 Sold Out 0.18%$12.51 - $14.23 $ 14.186%0
John Keeley 2013-12-31 Reduce -80.2%0.35%$12.81 - $15.21 $ 14.183%361000
Michael Price 2013-06-30 Add 62.55%0.06%$14.26 - $16.12 $ 14.18-6%80300
Michael Price 2013-03-31 New Buy0.1%$14.63 - $16.26 $ 14.18-6%49400
Charles Brandes 2013-03-31 New Buy$14.63 - $16.26 $ 14.18-6%10980
John Keeley 2012-12-31 Add 47.61%0.17%$12.35 - $13.44 $ 14.189%1830700
John Keeley 2012-06-30 New Buy0.28%$10.99 - $11.9 $ 14.1824%1093000
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
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Ratios

vs
industry
vs
history
P/E(ttm) 84.40
UBNK's P/E(ttm) is ranked higher than
64% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 17.80 vs. UBNK: 84.40 )
UBNK' s 10-Year P/E(ttm) Range
Min: 20.7   Max: 1008.57
Current: 84.4

20.7
1008.57
P/B 1.15
UBNK's P/B is ranked higher than
77% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.33 vs. UBNK: 1.15 )
UBNK' s 10-Year P/B Range
Min: 0.81   Max: 7.57
Current: 1.15

0.81
7.57
P/S 4.12
UBNK's P/S is ranked higher than
69% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.56 vs. UBNK: 4.12 )
UBNK' s 10-Year P/S Range
Min: 3.56   Max: 14.61
Current: 4.12

3.56
14.61
PFCF 19.69
UBNK's PFCF is ranked higher than
78% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. UBNK: 19.69 )
UBNK' s 10-Year PFCF Range
Min: 10.7   Max: 47.48
Current: 19.69

10.7
47.48
EV-to-EBIT 173.70
UBNK's EV-to-EBIT is ranked higher than
58% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 19.47 vs. UBNK: 173.70 )
UBNK' s 10-Year EV-to-EBIT Range
Min: -564.2   Max: 1292.1
Current: 173.7

-564.2
1292.1
PEG 9.16
UBNK's PEG is ranked higher than
83% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. UBNK: 9.16 )
UBNK' s 10-Year PEG Range
Min: 0.49   Max: 264.16
Current: 9.16

0.49
264.16
Shiller P/E 32.88
UBNK's Shiller P/E is ranked higher than
80% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. UBNK: 32.88 )
UBNK' s 10-Year Shiller P/E Range
Min: 28.44   Max: 53.57
Current: 32.88

28.44
53.57

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.82
UBNK's Dividend Yield is ranked higher than
62% of the 1876 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.32 vs. UBNK: 2.82 )
UBNK' s 10-Year Dividend Yield Range
Min: 0.25   Max: 3.27
Current: 2.82

0.25
3.27
Dividend Payout 2.07
UBNK's Dividend Payout is ranked higher than
58% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.61 vs. UBNK: 2.07 )
UBNK' s 10-Year Dividend Payout Range
Min: 0.33   Max: 2.5
Current: 2.07

0.33
2.5
Dividend growth (3y) 17.80
UBNK's Dividend growth (3y) is ranked higher than
88% of the 1127 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.50 vs. UBNK: 17.80 )
UBNK' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 35.7
Current: 17.8

0
35.7
Yield on cost (5-Year) 6.79
UBNK's Yield on cost (5-Year) is ranked higher than
89% of the 1889 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.53 vs. UBNK: 6.79 )
UBNK' s 10-Year Yield on cost (5-Year) Range
Min: 0.61   Max: 7.94
Current: 6.79

0.61
7.94
Share Buyback Rate 2.10
UBNK's Share Buyback Rate is ranked higher than
95% of the 1472 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.80 vs. UBNK: 2.10 )
UBNK' s 10-Year Share Buyback Rate Range
Min: 0   Max: -15.9
Current: 2.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.42
UBNK's Price/Tangible Book is ranked higher than
75% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.58 vs. UBNK: 1.42 )
UBNK' s 10-Year Price/Tangible Book Range
Min: 0.84   Max: 6.74
Current: 1.42

0.84
6.74
Price/DCF (Projected) 1.16
UBNK's Price/DCF (Projected) is ranked higher than
77% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.09 vs. UBNK: 1.16 )
UBNK' s 10-Year Price/DCF (Projected) Range
Min: 0.71   Max: 2.93
Current: 1.16

0.71
2.93
Price/Median PS Value 0.83
UBNK's Price/Median PS Value is ranked higher than
94% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.21 vs. UBNK: 0.83 )
UBNK' s 10-Year Price/Median PS Value Range
Min: 0.74   Max: 2.35
Current: 0.83

0.74
2.35
Price/Graham Number 2.58
UBNK's Price/Graham Number is ranked higher than
65% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.15 vs. UBNK: 2.58 )
UBNK' s 10-Year Price/Graham Number Range
Min: 1.01   Max: 6.05
Current: 2.58

1.01
6.05
Earnings Yield (Greenblatt) 0.60
UBNK's Earnings Yield (Greenblatt) is ranked higher than
52% of the 1996 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.60 vs. UBNK: 0.60 )
UBNK' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.1   Max: 5.6
Current: 0.6

0.1
5.6
Forward Rate of Return (Yacktman) 3.21
UBNK's Forward Rate of Return (Yacktman) is ranked higher than
60% of the 1246 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.25 vs. UBNK: 3.21 )
UBNK' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 2.4   Max: 54.2
Current: 3.21

2.4
54.2

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:MTB, USB, PNC, PB, CFR » 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.
» More Articles for UBNK

Headlines

Articles On GuruFocus.com
John Keeley Discloses Top New Stock Buys of Q2 Sep 17 2014 
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