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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 : 5/10

vs
industry
vs
history
Cash to Debt 0.19
NAS:UBNK's Cash to Debt is ranked lower than
88% of the 1639 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.98 vs. NAS:UBNK: 0.19 )
Ranked among companies with meaningful Cash to Debt only.
NAS:UBNK' 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
NAS:UBNK's Equity to Asset is ranked higher than
50% of the 1660 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. NAS:UBNK: 0.10 )
Ranked among companies with meaningful Equity to Asset only.
NAS: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 1.22
NAS:UBNK's Interest Coverage is ranked lower than
59% of the 1590 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.69 vs. NAS:UBNK: 1.22 )
Ranked among companies with meaningful Interest Coverage only.
NAS:UBNK' 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
15.56%
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
NAS:UBNK's Operating margin (%) is ranked lower than
66% of the 1678 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.78 vs. NAS:UBNK: 24.41 )
Ranked among companies with meaningful Operating margin (%) only.
NAS:UBNK' 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
NAS:UBNK's Net-margin (%) is ranked higher than
51% of the 1677 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.15 vs. NAS:UBNK: 22.71 )
Ranked among companies with meaningful Net-margin (%) only.
NAS:UBNK' 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
NAS:UBNK's ROE (%) is ranked lower than
60% of the 1675 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.39 vs. NAS:UBNK: 7.08 )
Ranked among companies with meaningful ROE (%) only.
NAS:UBNK' 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
NAS:UBNK's ROA (%) is ranked lower than
61% of the 1683 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.89 vs. NAS:UBNK: 0.72 )
Ranked among companies with meaningful ROA (%) only.
NAS:UBNK' 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
NAS:UBNK's Revenue Growth (3Y)(%) is ranked higher than
79% of the 1371 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.10 vs. NAS:UBNK: 11.00 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
NAS:UBNK' 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
NAS:UBNK's EBITDA Growth (3Y)(%) is ranked higher than
72% of the 1253 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.80 vs. NAS:UBNK: 13.50 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
NAS:UBNK' 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
NAS:UBNK's EPS Growth (3Y)(%) is ranked higher than
79% of the 1231 Companies
in the Global Savings & Cooperative Banks industry.

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

Financials


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

» Details

Guru Trades

Q4 2015

UBNK Guru Trades in Q4 2015

Charles Brandes 45,125 sh (+29.78%)
Jim Simons 971,514 sh (+18.36%)
Keeley Asset Management Corp 1,827,416 sh (-24.18%)
» More
Q1 2016

UBNK Guru Trades in Q1 2016

David Dreman 182 sh (New)
Jim Simons 1,082,539 sh (+11.43%)
Charles Brandes 46,581 sh (+3.23%)
Keeley Asset Management Corp 153,905 sh (-91.58%)
» More
Q2 2016

UBNK Guru Trades in Q2 2016

Jim Simons 1,143,939 sh (+5.67%)
Charles Brandes 46,916 sh (+0.72%)
David Dreman 182 sh (unchged)
Keeley Asset Management Corp 33,240 sh (-78.40%)
» More
Q3 2016

UBNK Guru Trades in Q3 2016

Jim Simons 1,203,539 sh (+5.21%)
David Dreman 182 sh (unchged)
Keeley Asset Management Corp Sold Out
Charles Brandes 46,446 sh (-1.00%)
» 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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Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:NAS:CASH, NAS:HMST, NAS:FFIC, NAS:EBSB, NAS:DCOM, NYSE:BHLB, NAS:HONE, NAS:OCFC, NAS:LOB, NAS:WSBF, NAS:FDEF, NAS:BKMU, NAS:UCFC, NAS:CSBK, NAS:EBTC, NAS:BSF, OTCPK:BFCF, NAS:KRNY, NAS:TBNK, NAS:BFIN » 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) 19.75
UBNK's P/E(ttm) is ranked lower than
71% of the 1557 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.95 vs. UBNK: 19.75 )
Ranked among companies with meaningful P/E(ttm) only.
UBNK' s P/E(ttm) Range Over the Past 10 Years
Min: 11.25  Med: 34.13 Max: 1412
Current: 19.75
11.25
1412
Forward P/E 16.67
UBNK's Forward P/E is ranked lower than
60% of the 334 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.24 vs. UBNK: 16.67 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 19.75
UBNK's PE(NRI) is ranked lower than
71% of the 1539 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.98 vs. UBNK: 19.75 )
Ranked among companies with meaningful PE(NRI) only.
UBNK' s PE(NRI) Range Over the Past 10 Years
Min: 11.25  Med: 34.13 Max: 1412
Current: 19.75
11.25
1412
Price/Owner Earnings (ttm) 52.46
UBNK's Price/Owner Earnings (ttm) is ranked lower than
93% of the 883 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.78 vs. UBNK: 52.46 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
UBNK' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 1.53  Med: 28.48 Max: 2165
Current: 52.46
1.53
2165
P/B 1.36
UBNK's P/B is ranked lower than
62% of the 1662 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.12 vs. UBNK: 1.36 )
Ranked among companies with meaningful P/B only.
UBNK' s P/B Range Over the Past 10 Years
Min: 0.8  Med: 1.22 Max: 7.57
Current: 1.36
0.8
7.57
P/S 4.41
UBNK's P/S is ranked lower than
69% of the 1645 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.21 vs. UBNK: 4.41 )
Ranked among companies with meaningful P/S only.
UBNK' s P/S Range Over the Past 10 Years
Min: 2.79  Med: 4.48 Max: 8.95
Current: 4.41
2.79
8.95
EV-to-EBIT 36.69
UBNK's EV-to-EBIT is ranked lower than
89% of the 1265 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.31 vs. UBNK: 36.69 )
Ranked among companies with meaningful EV-to-EBIT only.
UBNK' s EV-to-EBIT Range Over the Past 10 Years
Min: -564.2  Med: 34.9 Max: 2384.6
Current: 36.69
-564.2
2384.6
EV-to-EBITDA 34.22
UBNK's EV-to-EBITDA is ranked lower than
90% of the 1263 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.92 vs. UBNK: 34.22 )
Ranked among companies with meaningful EV-to-EBITDA only.
UBNK' s EV-to-EBITDA Range Over the Past 10 Years
Min: -544.7  Med: 32 Max: 3537.5
Current: 34.22
-544.7
3537.5
PEG 95.50
UBNK's PEG is ranked lower than
99% of the 752 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.28 vs. UBNK: 95.50 )
Ranked among companies with meaningful PEG only.
UBNK' s PEG Range Over the Past 10 Years
Min: 0.49  Med: 1.54 Max: 95.5
Current: 95.5
0.49
95.5
Shiller P/E 37.38
UBNK's Shiller P/E is ranked lower than
84% of the 502 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 20.35 vs. UBNK: 37.38 )
Ranked among companies with meaningful Shiller P/E only.
UBNK' s Shiller P/E Range Over the Past 10 Years
Min: 25.91  Med: 35.03 Max: 42.06
Current: 37.38
25.91
42.06

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.69
UBNK's Dividend Yield is ranked higher than
51% of the 2376 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.79 vs. UBNK: 2.69 )
Ranked among companies with meaningful Dividend Yield only.
UBNK' s Dividend Yield Range Over the Past 10 Years
Min: 0.25  Med: 2.55 Max: 4.13
Current: 2.69
0.25
4.13
Dividend Payout 0.54
UBNK's Dividend Payout is ranked lower than
80% of the 1294 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. UBNK: 0.54 )
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: 3.33
Current: 0.54
0.33
3.33
Dividend Growth (3y) 8.50
UBNK's Dividend Growth (3y) is ranked higher than
51% of the 739 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.00 vs. UBNK: 8.50 )
Ranked among companies with meaningful Dividend Growth (3y) only.
UBNK' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: 9.5 Max: 35.7
Current: 8.5
0
35.7
Forward Dividend Yield 2.74
UBNK's Forward Dividend Yield is ranked lower than
53% of the 2299 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.98 vs. UBNK: 2.74 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 5.07
UBNK's Yield on cost (5-Year) is ranked higher than
71% of the 2629 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.56 vs. UBNK: 5.07 )
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: 0.47  Med: 4.8 Max: 7.78
Current: 5.07
0.47
7.78
3-Year Average Share Buyback Ratio -21.00
UBNK's 3-Year Average Share Buyback Ratio is ranked lower than
89% of the 1061 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -2.00 vs. UBNK: -21.00 )
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: -21  Med: -0.1 Max: 0
Current: -21
-21
0

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.68
UBNK's Price/Tangible Book is ranked lower than
68% of the 1660 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.19 vs. UBNK: 1.68 )
Ranked among companies with meaningful Price/Tangible Book only.
UBNK' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.84  Med: 1.37 Max: 6.73
Current: 1.68
0.84
6.73
Price/Projected FCF 1.52
UBNK's Price/Projected FCF is ranked lower than
87% of the 872 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.74 vs. UBNK: 1.52 )
Ranked among companies with meaningful Price/Projected FCF only.
UBNK' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.73  Med: 0.91 Max: 1.52
Current: 1.52
0.73
1.52
Price/Median PS Value 1.00
UBNK's Price/Median PS Value is ranked higher than
72% of the 1450 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.10 vs. UBNK: 1.00 )
Ranked among companies with meaningful Price/Median PS Value only.
UBNK' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.7  Med: 1 Max: 2.62
Current: 1
0.7
2.62
Price/Peter Lynch Fair Value 2.29
UBNK's Price/Peter Lynch Fair Value is ranked lower than
82% of the 381 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.09 vs. UBNK: 2.29 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
UBNK' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 1.01  Med: 1.64 Max: 31.29
Current: 2.29
1.01
31.29
Price/Graham Number 1.23
UBNK's Price/Graham Number is ranked lower than
67% of the 1404 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.92 vs. UBNK: 1.23 )
Ranked among companies with meaningful Price/Graham Number only.
UBNK' s Price/Graham Number Range Over the Past 10 Years
Min: 0.84  Med: 1.41 Max: 8.36
Current: 1.23
0.84
8.36
Earnings Yield (Greenblatt) (%) 2.75
UBNK's Earnings Yield (Greenblatt) (%) is ranked lower than
67% of the 1663 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.80 vs. UBNK: 2.75 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
UBNK' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.1  Med: 2.8 Max: 5.6
Current: 2.75
0.1
5.6
Forward Rate of Return (Yacktman) (%) 10.18
UBNK's Forward Rate of Return (Yacktman) (%) is ranked lower than
55% of the 886 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.59 vs. UBNK: 10.18 )
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: -6  Med: 5.1 Max: 54.2
Current: 10.18
-6
54.2

More Statistics

Revenue (TTM) (Mil) $198.2
EPS (TTM) $ 0.89
Beta0.76
Short Percentage of Float1.54%
52-Week Range $10.28 - 17.62
Shares Outstanding (Mil)50.51

Analyst Estimate

Dec16 Dec17 Dec18
Revenue (Mil $)
EPS ($) 0.98 1.05 1.10
EPS w/o NRI ($) 0.98 1.05 1.10
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
Dividends Per Share ($)
» 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 

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