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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 0.09
UBNK's Cash to Debt is ranked lower than
93% of the 1088 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.69 vs. UBNK: 0.09 )
Ranked among companies with meaningful Cash to Debt only.
UBNK' s Cash to Debt Range Over the Past 10 Years
Min: 0.05  Med: 0.14 Max: N/A
Current: 0.09
Equity to Asset 0.10
UBNK's Equity to Asset is ranked higher than
51% of the 1578 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. UBNK: 0.10 )
Ranked among companies with meaningful Equity to Asset only.
UBNK' 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 1.76
UBNK's Interest Coverage is ranked lower than
51% of the 1429 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.82 vs. UBNK: 1.76 )
Ranked among companies with meaningful Interest Coverage only.
UBNK' s Interest Coverage Range Over the Past 10 Years
Min: 0.03  Med: 0.49 Max: 2.05
Current: 1.76
0.03
2.05
F-Score: 5
WACC vs ROIC
14.59%
3.59%
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 : 7/10

vs
industry
vs
history
Operating margin (%) 28.35
UBNK's Operating margin (%) is ranked lower than
58% of the 1590 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.86 vs. UBNK: 28.35 )
Ranked among companies with meaningful Operating margin (%) only.
UBNK' s Operating margin (%) Range Over the Past 10 Years
Min: -7.57  Med: 24.14 Max: 30.16
Current: 28.35
-7.57
30.16
Net-margin (%) 25.19
UBNK's Net-margin (%) is ranked higher than
60% of the 1593 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.37 vs. UBNK: 25.19 )
Ranked among companies with meaningful Net-margin (%) only.
UBNK' s Net-margin (%) Range Over the Past 10 Years
Min: -4.72  Med: 16.84 Max: 19.46
Current: 25.19
-4.72
19.46
ROE (%) 8.08
UBNK's ROE (%) is ranked higher than
51% of the 1589 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.01 vs. UBNK: 8.08 )
Ranked among companies with meaningful ROE (%) only.
UBNK' s ROE (%) Range Over the Past 10 Years
Min: -1.05  Med: 4.54 Max: 7.57
Current: 8.08
-1.05
7.57
ROA (%) 0.86
UBNK's ROA (%) is ranked higher than
50% of the 1598 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.86 vs. UBNK: 0.86 )
Ranked among companies with meaningful ROA (%) only.
UBNK' s ROA (%) Range Over the Past 10 Years
Min: -0.11  Med: 0.62 Max: 0.84
Current: 0.86
-0.11
0.84
Revenue Growth (3Y)(%) 12.00
UBNK's Revenue Growth (3Y)(%) is ranked higher than
79% of the 1284 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.10 vs. UBNK: 12.00 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
UBNK' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: -1.30 Max: 24.2
Current: 12
0
24.2
EBITDA Growth (3Y)(%) -24.60
UBNK's EBITDA Growth (3Y)(%) is ranked lower than
86% of the 1167 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.40 vs. UBNK: -24.60 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
UBNK' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: -24.60 Max: 13.6
Current: -24.6
0
13.6
EPS Growth (3Y)(%) -14.00
UBNK's EPS Growth (3Y)(%) is ranked lower than
80% of the 1165 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.60 vs. UBNK: -14.00 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
UBNK' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: -14.00 Max: 17.6
Current: -14
0
17.6
» UBNK's 10-Y Financials

Financials


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

» Details

Guru Trades

Q4 2014

UBNK Guru Trades in Q4 2014

John Keeley 2,880,312 sh (+13.34%)
Jim Simons 833,112 sh (+12.29%)
John Keeley 2,880,892 sh (+0.02%)
Charles Brandes 22,515 sh (-2.73%)
» More
Q1 2015

UBNK Guru Trades in Q1 2015

Charles Brandes 22,861 sh (+1.54%)
John Keeley 2,806,238 sh (-2.57%)
Jim Simons 731,912 sh (-12.15%)
» More
Q2 2015

UBNK Guru Trades in Q2 2015

Charles Brandes 52,683 sh (+130.45%)
Jim Simons 741,239 sh (+1.27%)
John Keeley 2,698,344 sh (-3.84%)
» More
Q3 2015

UBNK Guru Trades in Q3 2015

Jim Simons 820,839 sh (+10.74%)
John Keeley 2,410,064 sh (-10.68%)
Charles Brandes 34,771 sh (-34.00%)
» 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%)

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Ratios

vs
industry
vs
history
P/E(ttm) 13.60
UBNK's P/E(ttm) is ranked lower than
57% of the 1403 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.40 vs. UBNK: 13.60 )
Ranked among companies with meaningful P/E(ttm) only.
UBNK' s P/E(ttm) Range Over the Past 10 Years
Min: 13.59  Med: 34.65 Max: 1008.57
Current: 13.6
13.59
1008.57
Forward P/E 11.25
UBNK's Forward P/E is ranked lower than
57% of the 703 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.52 vs. UBNK: 11.25 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 13.60
UBNK's PE(NRI) is ranked lower than
57% of the 1401 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.40 vs. UBNK: 13.60 )
Ranked among companies with meaningful PE(NRI) only.
UBNK' s PE(NRI) Range Over the Past 10 Years
Min: 13.55  Med: 34.11 Max: 1412
Current: 13.6
13.55
1412
P/B 0.89
UBNK's P/B is ranked higher than
60% of the 1542 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.99 vs. UBNK: 0.89 )
Ranked among companies with meaningful P/B only.
UBNK' s P/B Range Over the Past 10 Years
Min: 0.81  Med: 1.31 Max: 7.57
Current: 0.89
0.81
7.57
P/S 2.90
UBNK's P/S is ranked lower than
52% of the 1605 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.81 vs. UBNK: 2.90 )
Ranked among companies with meaningful P/S only.
UBNK' s P/S Range Over the Past 10 Years
Min: 2.9  Med: 4.69 Max: 14.61
Current: 2.9
2.9
14.61
PFCF 17.86
UBNK's PFCF is ranked lower than
80% of the 937 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.36 vs. UBNK: 17.86 )
Ranked among companies with meaningful PFCF only.
UBNK' s PFCF Range Over the Past 10 Years
Min: 10.7  Med: 22.22 Max: 51
Current: 17.86
10.7
51
POCF 15.41
UBNK's POCF is ranked lower than
82% of the 1036 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.10 vs. UBNK: 15.41 )
Ranked among companies with meaningful POCF only.
UBNK' s POCF Range Over the Past 10 Years
Min: 8.3  Med: 18.58 Max: 1534
Current: 15.41
8.3
1534
EV-to-EBIT 32.77
UBNK's EV-to-EBIT is ranked lower than
86% of the 1384 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.68 vs. UBNK: 32.77 )
Ranked among companies with meaningful EV-to-EBIT only.
UBNK' s EV-to-EBIT Range Over the Past 10 Years
Min: -564.2  Med: 34.80 Max: 2590.3
Current: 32.77
-564.2
2590.3
EV-to-EBITDA 28.17
UBNK's EV-to-EBITDA is ranked lower than
86% of the 1383 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.31 vs. UBNK: 28.17 )
Ranked among companies with meaningful EV-to-EBITDA only.
UBNK' s EV-to-EBITDA Range Over the Past 10 Years
Min: -543.8  Med: 31.90 Max: 3537.5
Current: 28.17
-543.8
3537.5
Shiller P/E 26.56
UBNK's Shiller P/E is ranked lower than
82% of the 520 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.90 vs. UBNK: 26.56 )
Ranked among companies with meaningful Shiller P/E only.
UBNK' s Shiller P/E Range Over the Past 10 Years
Min: 26.79  Med: 35.03 Max: 40.86
Current: 26.56
26.79
40.86

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 4.27
UBNK's Dividend Yield is ranked higher than
69% of the 2412 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.03 vs. UBNK: 4.27 )
Ranked among companies with meaningful Dividend Yield only.
UBNK' s Dividend Yield Range Over the Past 10 Years
Min: 0.25  Med: 2.45 Max: 3.91
Current: 4.27
0.25
3.91
Dividend Payout 0.53
UBNK's Dividend Payout is ranked lower than
76% of the 1441 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.34 vs. UBNK: 0.53 )
Ranked among companies with meaningful Dividend Payout only.
UBNK' s Dividend Payout Range Over the Past 10 Years
Min: 0.33  Med: 0.53 Max: 3.57
Current: 0.53
0.33
3.57
Dividend Growth (3y) 14.00
UBNK's Dividend Growth (3y) is ranked higher than
72% of the 730 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.00 vs. UBNK: 14.00 )
Ranked among companies with meaningful Dividend Growth (3y) only.
UBNK' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: 10.50 Max: 35.7
Current: 14
0
35.7
Forward Dividend Yield 4.27
UBNK's Forward Dividend Yield is ranked higher than
69% of the 2191 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.26 vs. UBNK: 4.27 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 9.03
UBNK's Yield on cost (5-Year) is ranked higher than
85% of the 2446 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.42 vs. UBNK: 9.03 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
UBNK' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.53  Med: 5.17 Max: 9.03
Current: 9.03
0.53
9.03
3-Year Average Share Buyback Ratio -14.70
UBNK's 3-Year Average Share Buyback Ratio is ranked lower than
83% of the 1061 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.70 vs. UBNK: -14.70 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
UBNK' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -15.9  Med: 21.50 Max: 0
Current: -14.7
-15.9
0

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.11
UBNK's Price/Tangible Book is ranked lower than
53% of the 1534 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.07 vs. UBNK: 1.11 )
Ranked among companies with meaningful Price/Tangible Book only.
UBNK' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.84  Med: 1.39 Max: 6.74
Current: 1.11
0.84
6.74
Price/Projected FCF 0.81
UBNK's Price/Projected FCF is ranked lower than
70% of the 850 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.63 vs. UBNK: 0.81 )
Ranked among companies with meaningful Price/Projected FCF only.
UBNK' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.71  Med: 0.88 Max: 2.93
Current: 0.81
0.71
2.93
Price/Median PS Value 0.62
UBNK's Price/Median PS Value is ranked higher than
88% of the 1425 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.98 vs. UBNK: 0.62 )
Ranked among companies with meaningful Price/Median PS Value only.
UBNK' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.71  Med: 1.00 Max: 2.49
Current: 0.62
0.71
2.49
Price/Graham Number 0.82
UBNK's Price/Graham Number is ranked lower than
54% of the 1277 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.77 vs. UBNK: 0.82 )
Ranked among companies with meaningful Price/Graham Number only.
UBNK' s Price/Graham Number Range Over the Past 10 Years
Min: 0.95  Med: 1.39 Max: 8.36
Current: 0.82
0.95
8.36
Earnings Yield (Greenblatt) (%) 3.10
UBNK's Earnings Yield (Greenblatt) (%) is ranked lower than
77% of the 1519 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.20 vs. UBNK: 3.10 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
UBNK' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.1  Med: 2.80 Max: 5.6
Current: 3.1
0.1
5.6
Forward Rate of Return (Yacktman) (%) 4.05
UBNK's Forward Rate of Return (Yacktman) (%) is ranked lower than
72% of the 869 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.65 vs. UBNK: 4.05 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
UBNK' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -3.4  Med: 4.90 Max: 54.2
Current: 4.05
-3.4
54.2

More Statistics

Revenue(Mil) $197
EPS $ 0.83
Beta0.66
Short Percentage of Float1.88%
52-Week Range $10.28 - 14.16
Shares Outstanding(Mil)49.54

Analyst Estimate

Dec15 Dec16
Revenue(Mil)
EPS($) 0.95 1.00
EPS without NRI($) 0.95 1.00

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 
Rockville Financial Inc. Reports Operating Results (10-Q) Nov 09 2010 
Rockville Financial Inc. Reports Operating Results (10-Q) May 10 2010 
Rockville Financial Inc. Reports Operating Results (10-Q) Nov 09 2009 

More From Other Websites
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