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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 0.22
UBNK's Cash to Debt is ranked higher than
54% of the 1254 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.36 vs. UBNK: 0.22 )
UBNK' s 10-Year Cash to Debt Range
Min: 0.06   Max: No Debt
Current: 0.22

Equity to Asset 0.12
UBNK's Equity to Asset is ranked higher than
82% of the 1643 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. UBNK: 0.12 )
UBNK' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.21
Current: 0.12

0.07
0.21
Interest Coverage 1.55
UBNK's Interest Coverage is ranked higher than
71% of the 1455 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.21 vs. UBNK: 1.55 )
UBNK' s 10-Year Interest Coverage Range
Min: 0.25   Max: 9999.99
Current: 1.55

0.25
9999.99
F-Score: 5
Z-Score: 0.17
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 (%) 26.25
UBNK's Operating margin (%) is ranked higher than
70% of the 1599 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.41 vs. UBNK: 26.25 )
UBNK' s 10-Year Operating margin (%) Range
Min: 11.11   Max: 35.19
Current: 26.25

11.11
35.19
Net-margin (%) 19.14
UBNK's Net-margin (%) is ranked higher than
70% of the 1618 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.45 vs. UBNK: 19.14 )
UBNK' s 10-Year Net-margin (%) Range
Min: 5.43   Max: 21.62
Current: 19.14

5.43
21.62
ROE (%) 5.75
UBNK's ROE (%) is ranked higher than
65% of the 1620 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.17 vs. UBNK: 5.75 )
UBNK' s 10-Year ROE (%) Range
Min: 1.18   Max: 10.42
Current: 5.75

1.18
10.42
ROA (%) 0.70
UBNK's ROA (%) is ranked higher than
70% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.75 vs. UBNK: 0.70 )
UBNK' s 10-Year ROA (%) Range
Min: 0.15   Max: 0.83
Current: 0.7

0.15
0.83
ROC (Joel Greenblatt) (%) 59.81
UBNK's ROC (Joel Greenblatt) (%) is ranked higher than
70% of the 1574 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 73.99 vs. UBNK: 59.81 )
UBNK' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 10.08   Max: 121.97
Current: 59.81

10.08
121.97
Revenue Growth (%) 4.20
UBNK's Revenue Growth (%) is ranked higher than
84% of the 1437 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. UBNK: 4.20 )
UBNK' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 95.9
Current: 4.2

0
95.9
EBITDA Growth (%) 7.30
UBNK's EBITDA Growth (%) is ranked higher than
73% of the 1277 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. UBNK: 7.30 )
UBNK' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 30.5
Current: 7.3

0
30.5
EPS Growth (%) 10.20
UBNK's EPS Growth (%) is ranked higher than
76% of the 1280 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.80 vs. UBNK: 10.20 )
UBNK' s 10-Year EPS Growth (%) Range
Min: 0   Max: 35.7
Current: 10.2

0
35.7
» UBNK's 10-Y Financials

Financials


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

» Details

Guru Trades

Q2 2013

UBNK Guru Trades in Q2 2013

Michael Price 80,300 sh (+62.55%)
Jim Simons 501,496 sh (+21.57%)
John Keeley 2,049,600 sh (+6.38%)
Charles Brandes 10,980 sh (unchged)
Jim Simons 195,258 sh (-4.15%)
» More
Q3 2013

UBNK Guru Trades in Q3 2013

Jim Simons 565,196 sh (+12.7%)
Charles Brandes 10,980 sh (unchged)
Michael Price 80,300 sh (unchged)
John Keeley 1,823,195 sh (-11.05%)
Jim Simons 172,300 sh (-11.76%)
» More
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%)
Charles Brandes 10,980 sh (unchged)
Michael Price 80,300 sh (unchged)
» More
» Details

Insider Trades

Latest Guru Trades with UBNK

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
John Keeley 2013-12-31 Reduce -80.2%0.35%$12.81 - $15.21 $ 12.75-7%361000
Michael Price 2013-06-30 Add 62.55%0.06%$14.26 - $16.12 $ 12.75-16%80300
Michael Price 2013-03-31 New Buy0.1%$14.63 - $16.26 $ 12.75-16%49400
Charles Brandes 2013-03-31 New Buy$14.63 - $16.26 $ 12.75-16%10980
John Keeley 2012-12-31 Add 47.61%0.17%$12.35 - $13.44 $ 12.75-2%1830700
John Keeley 2012-06-30 New Buy0.28%$10.99 - $11.9 $ 12.7511%1093000
Premium More recent guru trades are included for Premium Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 14.80
UBNK's P/E(ttm) is ranked higher than
75% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.40 vs. UBNK: 14.80 )
UBNK' s 10-Year P/E(ttm) Range
Min: 14.6   Max: 63.77
Current: 14.8

14.6
63.77
P/B 0.80
UBNK's P/B is ranked higher than
86% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. UBNK: 0.80 )
UBNK' s 10-Year P/B Range
Min: 0.78   Max: 1.97
Current: 0.8

0.78
1.97
P/S 2.80
UBNK's P/S is ranked higher than
75% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.10 vs. UBNK: 2.80 )
UBNK' s 10-Year P/S Range
Min: 0.61   Max: 15.91
Current: 2.8

0.61
15.91
PFCF 9.70
UBNK's PFCF is ranked higher than
77% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 28.86 vs. UBNK: 9.70 )
UBNK' s 10-Year PFCF Range
Min: 1.57   Max: 103.31
Current: 9.7

1.57
103.31
EV-to-EBIT 17.36
UBNK's EV-to-EBIT is ranked higher than
71% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.41 vs. UBNK: 17.36 )
UBNK' s 10-Year EV-to-EBIT Range
Min: 20.2   Max: 122.3
Current: 17.36

20.2
122.3
PEG 2.00
UBNK's PEG is ranked higher than
79% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.10 vs. UBNK: 2.00 )
UBNK' s 10-Year PEG Range
Min: 0.65   Max: 12.95
Current: 2

0.65
12.95
Shiller P/E 21.90
UBNK's Shiller P/E is ranked higher than
82% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 140.07 vs. UBNK: 21.90 )
UBNK' s 10-Year Shiller P/E Range
Min: 21.5   Max: 56.38
Current: 21.9

21.5
56.38

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.10
UBNK's Dividend Yield is ranked higher than
65% of the 1402 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.45 vs. UBNK: 3.10 )
UBNK' s 10-Year Dividend Yield Range
Min: 0.4   Max: 2.72
Current: 3.1

0.4
2.72
Dividend Payout 0.33
UBNK's Dividend Payout is ranked higher than
86% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. UBNK: 0.33 )
UBNK' s 10-Year Dividend Payout Range
Min: 0.46   Max: 1.58
Current: 0.33

0.46
1.58
Dividend growth (3y) 12.70
UBNK's Dividend growth (3y) is ranked higher than
84% of the 956 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.60 vs. UBNK: 12.70 )
UBNK' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 12.7
Current: 12.7

0
12.7
Yield on cost (5-Year) 5.37
UBNK's Yield on cost (5-Year) is ranked higher than
80% of the 1356 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.64 vs. UBNK: 5.37 )
UBNK' s 10-Year Yield on cost (5-Year) Range
Min: 0.69   Max: 4.71
Current: 5.37

0.69
4.71
Share Buyback Rate -9.20
UBNK's Share Buyback Rate is ranked higher than
58% of the 1237 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. UBNK: -9.20 )
UBNK' s 10-Year Share Buyback Rate Range
Min: 0   Max: -20.9
Current: -9.2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.00
UBNK's Price/Tangible Book is ranked higher than
84% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.35 vs. UBNK: 1.00 )
UBNK' s 10-Year Price/Tangible Book Range
Min: 0.84   Max: 1.72
Current: 1

0.84
1.72
Price/DCF (Projected) 0.60
UBNK's Price/DCF (Projected) is ranked higher than
85% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.56 vs. UBNK: 0.60 )
UBNK' s 10-Year Price/DCF (Projected) Range
Min: 0.68   Max: 1.04
Current: 0.6

0.68
1.04
Price/Median PS Value 0.70
UBNK's Price/Median PS Value is ranked higher than
95% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. UBNK: 0.70 )
UBNK' s 10-Year Price/Median PS Value Range
Min: 0.89   Max: 3.38
Current: 0.7

0.89
3.38
Price/Peter Lynch Fair Value 2.50
UBNK's Price/Peter Lynch Fair Value is ranked higher than
85% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. UBNK: 2.50 )
UBNK' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.87   Max: 5.37
Current: 2.5

0.87
5.37
Price/Graham Number 0.80
UBNK's Price/Graham Number is ranked higher than
84% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.06 vs. UBNK: 0.80 )
UBNK' s 10-Year Price/Graham Number Range
Min: 1.08   Max: 2.14
Current: 0.8

1.08
2.14
Earnings Yield (Greenblatt) 5.80
UBNK's Earnings Yield (Greenblatt) is ranked higher than
64% of the 1581 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. UBNK: 5.80 )
UBNK' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.8   Max: 5.8
Current: 5.8

0.8
5.8
Forward Rate of Return (Yacktman) 10.69
UBNK's Forward Rate of Return (Yacktman) is ranked higher than
67% of the 1259 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.45 vs. UBNK: 10.69 )
UBNK' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -15.8   Max: 49.7
Current: 10.69

-15.8
49.7

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
United Financial Bancorp, Inc., a Maryland corporation was incorporated in 2007. It operates as a holding company for United Bank. The Bank's main business consists of attracting retail deposits from the general public in the areas surrounding West Springfield, Massachusetts. It invests those deposits, together with funds generated from operations, in one- to four-family residential mortgage loans as well as in home equity loans and lines of credit, commercial real estate loans, construction loans, commercial and industrial loans, automobile loans, other consumer loans, and investment securities. It conducts its business through its 38 full service branch offices, two loan production offices, two financial services facilities, and two drive-up branches. Of the 38 full service branch offices, 14 are owned and 24 are leased, one of the financial services facilities is owned and one is leased. It also has three remote ATM locations. The Bank's main lending activities are the origination of first mortgage loans for the purchase or refinancing of one- to four-family residential real property, as well as the origination of home equity, commercial real estate and commercial and industrial loans. Fixed-rate mortgage loans are originated for terms of up to thirty years. Generally, fixed-rate residential mortgage loans are underwritten according to Fannie Mae guidelines, policies and procedures. It also offers adjustable-rate mortgage loans for one- to four-family properties. The Bank originates commercial real estate loans that are generally secured by five or more unit apartment buildings, industrial properties and properties used for business purposes such as small office buildings, hotels, motels, recreational and retail facilities mainly located in its main market area. It originates construction loans for the development of one- to four-family residential properties located in its main market area. Residential construction loans are generally offered to experienced local developers operating in its main market area and to individuals for the construction of their personal residences. It also offers home equity loans and home equity lines of credit, both of which are secured by one- to four-family residences, substantially all of which are located in its main market area. It offers direct automobile loans with terms of up to 60 months. For new cars, its lending policy provides that the amount financed should not exceed 100% of the gross selling price of the vehicle. For used cars, its lending policy provides that the amount of the loan should not exceed the 'loan value' of the vehicle, as established by industry guides. The Bank is subject to extensive regulation, examination and supervision by the Office of the Comptroller of the Currency as its primary federal regulator, and by the Federal Deposit Insurance Corporation, as the insurer of its deposits.
» More Articles for UBNK

Headlines

Articles On GuruFocus.com
comment on UBNK Nov 19 2012 
comment on UBNK Oct 31 2012 
Dividend Roundup: PROV, UBNK, CMLP, SEP, MWE Jul 22 2011 
United Financial Bancorp Reports Financial Results for 2008, Declares Dividend of $0.07 Per Share an Jan 26 2009 

More From Other Websites
United Financial Bancorp, Inc. Announces Second Quarter Results Jul 23 2014
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United Financial Bancorp, Inc. (UBNK) Announces Q2 2014 Dividend for Shareholders Jul 16 2014
David B. Reynolds, Jr. Joins United Northeast Financial Advisors Jul 11 2014
United To Open Branches in Glastonbury & East Hartford Jul 09 2014
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Paula A. Aiello of Shrewsbury, Massachusetts to Serve on United Financial Bancorp, Inc.'s Board of... Jun 26 2014
United Financial names Craig Hurty as Chief Human Resources Officer Jun 09 2014
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J. Jeffrey Sullivan to Depart United Financial Bancorp, Inc. Jun 02 2014
Leading Mortgage Lenders Join United Bank to Lead the Greater Springfield, Western Mass Market May 28 2014
United Financial shares have reached attractive entry point, says Sterne Agee May 12 2014
United Financial Bancorp, Inc. Announces First Quarter Earnings May 07 2014
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UNITED FINANCIAL BANCORP, INC. Files SEC form 8-K, Completion of Acquisition or Disposition of... May 01 2014
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Rockville Financial shareholders approve merger with United Financial Apr 08 2014

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