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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 0.13
UBNK's Cash to Debt is ranked lower than
52% of the 1259 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.42 vs. UBNK: 0.13 )
UBNK' s 10-Year Cash to Debt Range
Min: 0.05   Max: No Debt
Current: 0.13

Equity to Asset 0.13
UBNK's Equity to Asset is ranked higher than
86% of the 1649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. UBNK: 0.13 )
UBNK' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.19
Current: 0.13

0.07
0.19
Interest Coverage 1.87
UBNK's Interest Coverage is ranked higher than
75% of the 1447 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 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: 0.19
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 (%) 23.30
UBNK's Operating margin (%) is ranked higher than
66% of the 1594 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.40 vs. UBNK: 23.30 )
UBNK' s 10-Year Operating margin (%) Range
Min: -331.76   Max: 30.16
Current: 23.3

-331.76
30.16
Net-margin (%) 16.92
UBNK's Net-margin (%) is ranked higher than
66% of the 1613 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.45 vs. UBNK: 16.92 )
UBNK' s 10-Year Net-margin (%) Range
Min: -4.72   Max: 147.49
Current: 16.92

-4.72
147.49
ROE (%) 4.75
UBNK's ROE (%) is ranked higher than
60% of the 1615 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.13 vs. UBNK: 4.75 )
UBNK' s 10-Year ROE (%) Range
Min: -1.09   Max: 10.25
Current: 4.75

-1.09
10.25
ROA (%) 0.62
UBNK's ROA (%) is ranked higher than
67% of the 1616 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.75 vs. UBNK: 0.62 )
UBNK' s 10-Year ROA (%) Range
Min: -0.1   Max: 0.88
Current: 0.62

-0.1
0.88
ROC (Joel Greenblatt) (%) 79.37
UBNK's ROC (Joel Greenblatt) (%) is ranked higher than
76% of the 1569 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 73.85 vs. UBNK: 79.37 )
UBNK' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -249.43   Max: 127.3
Current: 79.37

-249.43
127.3
Revenue Growth (%) 12.40
UBNK's Revenue Growth (%) is ranked higher than
93% of the 1443 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. UBNK: 12.40 )
UBNK' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 24.2
Current: 12.4

0
24.2
EBITDA Growth (%) 4.40
UBNK's EBITDA Growth (%) is ranked higher than
69% of the 1280 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. UBNK: 4.40 )
UBNK' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 13.6
Current: 4.4

0
13.6
EPS Growth (%) 7.10
UBNK's EPS Growth (%) is ranked higher than
72% of the 1283 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. UBNK: 7.10 )
UBNK' s 10-Year EPS Growth (%) 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

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%)
Charles Brandes 10,980 sh (unchged)
Michael Price 80,300 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 $ 12.51-9%361000
Michael Price 2013-06-30 Add 62.55%0.06%$14.26 - $16.12 $ 12.51-18%80300
Michael Price 2013-03-31 New Buy0.1%$14.63 - $16.26 $ 12.51-17%49400
Charles Brandes 2013-03-31 New Buy$14.63 - $16.26 $ 12.51-17%10980
John Keeley 2012-12-31 Add 47.61%0.17%$12.35 - $13.44 $ 12.51-4%1830700
John Keeley 2012-06-30 New Buy0.28%$10.99 - $11.9 $ 12.519%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) 30.70
UBNK's P/E(ttm) is ranked higher than
58% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.40 vs. UBNK: 30.70 )
UBNK' s 10-Year P/E(ttm) Range
Min: 20.7   Max: 1008.57
Current: 30.7

20.7
1008.57
P/B 1.08
UBNK's P/B is ranked higher than
76% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. UBNK: 1.08 )
UBNK' s 10-Year P/B Range
Min: 0.81   Max: 7.65
Current: 1.08

0.81
7.65
P/S 3.93
UBNK's P/S is ranked higher than
61% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.10 vs. UBNK: 3.93 )
UBNK' s 10-Year P/S Range
Min: 3.59   Max: 14.61
Current: 3.93

3.59
14.61
PFCF 26.66
UBNK's PFCF is ranked higher than
66% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 26.04 vs. UBNK: 26.66 )
UBNK' s 10-Year PFCF Range
Min: 10.7   Max: 36.69
Current: 26.66

10.7
36.69
EV-to-EBIT 35.82
UBNK's EV-to-EBIT is ranked higher than
64% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.36 vs. UBNK: 35.82 )
UBNK' s 10-Year EV-to-EBIT Range
Min: 17.2   Max: 1292.1
Current: 35.82

17.2
1292.1
PEG 3.36
UBNK's PEG is ranked higher than
75% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. UBNK: 3.36 )
UBNK' s 10-Year PEG Range
Min: 0.49   Max: 1.84
Current: 3.36

0.49
1.84
Shiller P/E 32.74
UBNK's Shiller P/E is ranked higher than
77% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 98.15 vs. UBNK: 32.74 )
UBNK' s 10-Year Shiller P/E Range
Min: 29.5   Max: 53.57
Current: 32.74

29.5
53.57

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.19
UBNK's Dividend Yield is ranked higher than
67% of the 1405 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.43 vs. UBNK: 3.19 )
UBNK' s 10-Year Dividend Yield Range
Min: 0.25   Max: 3.2
Current: 3.19

0.25
3.2
Dividend Payout 2.31
UBNK's Dividend Payout is ranked higher than
69% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. UBNK: 2.31 )
UBNK' s 10-Year Dividend Payout Range
Min: 0.33   Max: 2.5
Current: 2.31

0.33
2.5
Dividend growth (3y) 17.80
UBNK's Dividend growth (3y) is ranked higher than
88% of the 962 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.70 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) 5.37
UBNK's Yield on cost (5-Year) is ranked higher than
80% of the 1367 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.63 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 2.10
UBNK's Share Buyback Rate is ranked higher than
95% of the 1242 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 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 1.09
UBNK's Price/Tangible Book is ranked higher than
79% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.35 vs. UBNK: 1.09 )
UBNK' s 10-Year Price/Tangible Book Range
Min: 0.84   Max: 6.81
Current: 1.09

0.84
6.81
Price/DCF (Projected) 0.72
UBNK's Price/DCF (Projected) is ranked higher than
81% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. UBNK: 0.72 )
UBNK' s 10-Year Price/DCF (Projected) Range
Min: 0.68   Max: 2.69
Current: 0.72

0.68
2.69
Price/Median PS Value 0.75
UBNK's Price/Median PS Value is ranked higher than
94% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. UBNK: 0.75 )
UBNK' s 10-Year Price/Median PS Value Range
Min: 0.73   Max: 2.22
Current: 0.75

0.73
2.22
Price/Peter Lynch Fair Value 1.65
UBNK's Price/Peter Lynch Fair Value is ranked higher than
87% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. UBNK: 1.65 )
UBNK' s 10-Year Price/Peter Lynch Fair Value Range
Min: 1.01   Max: 31.29
Current: 1.65

1.01
31.29
Price/Graham Number 1.22
UBNK's Price/Graham Number is ranked higher than
65% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.05 vs. UBNK: 1.22 )
UBNK' s 10-Year Price/Graham Number Range
Min: 1.01   Max: 6.05
Current: 1.22

1.01
6.05
Earnings Yield (Greenblatt) 2.80
UBNK's Earnings Yield (Greenblatt) is ranked higher than
54% of the 1588 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. UBNK: 2.80 )
UBNK' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.1   Max: 5.8
Current: 2.8

0.1
5.8
Forward Rate of Return (Yacktman) 23.05
UBNK's Forward Rate of Return (Yacktman) is ranked higher than
81% of the 1260 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.98 vs. UBNK: 23.05 )
UBNK' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 3.4   Max: 54
Current: 23.05

3.4
54

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Rockville Financial, Inc. was incorporated under the laws of Connecticut in 2004. The bank is a provider of traditional banking products and services to business organizations and individuals, offering products such as residential, commercial real estate, commercial business and consumer loans and a variety of deposit products. It serves the financial service needs of the local community and provides quality service to the individuals, families, professionals and businesses in the market areas it serves. One of its main lending activities consists of the origination of one-to-four family residential mortgage loans that are mainly secured by properties located in Hartford, New London and Tolland Counties in Connecticut. It originates commercial real estate loans and loans on owner occupied properties used for a variety of business purposes including small office buildings, industrial facilities and retail facilities. The company offers commercial construction loans including real estate subdivision development loans to licensed contractors and builders for the construction and development of commercial real estate projects and one-to-four family residential properties. The Bank offers adjustable rate (ARM) mortgages which do not contain interest-only or negative amortization features & also offer home equity loans and home equity lines of credit, both of which are secured by owner-occupied one-to-four family residences. 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. It operates in a primarily suburban market area that has a stable population and household base. All of current branch offices are located in Connecticut in Hartford, New London and Tolland Counties. Rockville Bank is subject to regulation by the Connecticut Banking Department, as its chartering agency, and by the Federal Deposit Insurance Corporation, as its deposit insurer.
» More Articles for UBNK

Headlines

Articles On GuruFocus.com
Rockville Financial Inc. Reports Operating Results (10-Q) Nov 09 2010 
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