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16.02 (1y: +5%)
Market Cap 306.6 M P/E(ttm) 49.20
Enterprise Value 515.46 M P/B 1.00
UBNK- NAS (USA)
United Financial Bancorp, Inc.
  • Currently 1/5
Business Predictability Rank: 1-Star (On Watch)
Back Testing Results:
Average gain of all 1-Star stocks: 1.1% per year.
% of Stocks that are in still loss if held for 10yrs: 45%.
Read more:
What is Predictability Rank?
Performances of real portfolio
Top Ranked Predictable Companies
$16.02
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GuruFocus Financial Strength Rank measures how strong a companyย’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 0.135
UBNK's Cash to Debt is ranked lower than
92% of the 707 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.34 vs. UBNK: 0.135 )
UBNK' s 10-Year Cash to Debt Range
Min: 0.06   Max: 0.4
Current: 0.14
0.06
0.4
Equity to Asset 0.111
UBNK's Equity to Asset is ranked higher than
66% of the 882 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. UBNK: 0.111 )
UBNK' s 10-Year Equity to Asset Range
Min: 0.08   Max: 0.21
Current: 0.11
0.08
0.21
Interest Coverage No Debt
UBNK's Interest Coverage is ranked lower than
88% of the 882 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10000.00 vs. UBNK: No Debt )
UBNK' s 10-Year Interest Coverage Range
Min: No Debt   Max: No Debt
Current: No Debt
F-Score: 6
Z-Score: 0.27
GuruFocus Profitability Rank ranks how profitable a company is and how likely the companyย’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.
ย•ย•3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rankย•

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 (%) 11.10
UBNK's Operating margin (%) is ranked lower than
89% of the 719 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 28.90 vs. UBNK: 11.10 )
UBNK' s 10-Year Operating margin (%) Range
Min: 11.1   Max: 31.7
Current: 11.1
11.1
31.7
Net-margin (%) 5.4
UBNK's Net-margin (%) is ranked lower than
94% of the 793 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.60 vs. UBNK: 5.4 )
UBNK' s 10-Year Net-margin (%) Range
Min: 5.4   Max: 21.6
Current: 5.4
5.4
21.6
ROE (%) 1.2
UBNK's ROE (%) is ranked lower than
87% of the 775 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. UBNK: 1.2 )
UBNK' s 10-Year ROE (%) Range
Min: 1.2   Max: 8.9
Current: 1.2
1.2
8.9
ROA (%) 0.2
UBNK's ROA (%) is ranked lower than
87% of the 768 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. UBNK: 0.2 )
UBNK' s 10-Year ROA (%) Range
Min: 0.2   Max: 0.7
Current: 0.2
0.2
0.7
ROC (Joel Greenblatt) (%) 10.10
UBNK's ROC (Joel Greenblatt) (%) is ranked lower than
89% of the 344 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 84.50 vs. UBNK: 10.10 )
UBNK' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 10.1   Max: 2136.1
Current: 10.1
10.1
2136.1
Revenue Growth (%) 7.4
UBNK's Revenue Growth (%) is ranked higher than
64% of the 344 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.40 vs. UBNK: 7.4 )
UBNK' s 10-Year Revenue Growth (%) Range
Min: -83.8   Max: 18
Current: 7.4
-83.8
18
EBITDA Growth (%) -4.1
UBNK's EBITDA Growth (%) is ranked lower than
300300% of the 333 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.00 vs. UBNK: -4.1 )
UBNK' s 10-Year EBITDA Growth (%) Range
Min: -85   Max: 22.1
Current: -4.1
-85
22.1
EPS Growth (%) -10.9
UBNK's EPS Growth (%) is ranked lower than
302115% of the 331 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.00 vs. UBNK: -10.9 )
UBNK' s 10-Year EPS Growth (%) Range
Min: -34.9   Max: 25.7
Current: -10.9
-34.9
25.7
ยป UBNK's 10-Y Financials

Financials


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

» Details

Guru Trades
Q1 2012

UBNK Guru Trades in Q1 2012

Jim Simons 172,100 sh (+5.32%)
» More
Q2 2012

UBNK Guru Trades in Q2 2012

Jim Simons 199,505 sh (+15.92%)
» More
Q3 2012

UBNK Guru Trades in Q3 2012

Jim Simons Sold Out
» More
Q1 2013

UBNK Guru Trades in Q1 2013

Michael Price 49,400 sh (New)
Charles Brandes 10,980 sh (New)
Jim Simons 203,722 sh (New)
» More
» Details

Insider Trades

Latest Guru Trades with UBNK

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Michael Price 2013-03-31 New Buy0.1%$14.63 - $16.26 $ 15.875%49400
Charles Brandes 2013-03-31 New Buy$14.63 - $16.26 $ 15.875%10980
Premium More recent guru trades are included for Premium Members only!!

Ratios

vs
industry		 vs
history
P/E(ttm) 49.20
UBNK's P/E(ttm) is ranked lower than
94% of the 792 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.70 vs. UBNK: 49.20 )
UBNK' s 10-Year P/E(ttm) Range
Min: 17.97   Max: 90.98
Current: 49.2
17.97
90.98
P/B 1.00
UBNK's P/B is ranked lower than
54% of the 877 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.94 vs. UBNK: 1.00 )
UBNK' s 10-Year P/B Range
Min: 0.78   Max: 1.88
Current: 1
0.78
1.88
P/S 3.50
UBNK's P/S is ranked lower than
72% of the 896 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.48 vs. UBNK: 3.50 )
UBNK' s 10-Year P/S Range
Min: 3.24   Max: 10.26
Current: 3.5
3.24
10.26
PFCF 17.90
UBNK's PFCF is ranked lower than
83% of the 695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. UBNK: 17.90 )
UBNK' s 10-Year PFCF Range
Min: 11.16   Max: 46.19
Current: 17.9
11.16
46.19
EV-to-EBIT 50
UBNK's EV-to-EBIT is ranked lower than
86% of the 745 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.89 vs. UBNK: 50 )
UBNK' s 10-Year EV-to-EBIT Range
Min: 20.2   Max: 69
Current: 50
20.2
69
PEG 1
UBNK's PEG is ranked lower than
54% of the 286 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. UBNK: 1 )
UBNK' s 10-Year PEG Range
Min: 0.98   Max: 7.15
Current: 1
0.98
7.15
Shiller P/E 30.7
UBNK's Shiller P/E is ranked lower than
100% of the Companies
in the Global Banks - Regional - US industry.

( Industry Median: vs. UBNK: 30.7 )
UBNK' s 10-Year Shiller P/E Range
Min: 26.19   Max: 45.45
Current: 30.7
26.19
45.45

Dividend & Buy Back

vs
industry		 vs
history
Dividend Yield 2.60
UBNK's Dividend Yield is ranked higher than
58% of the 636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.20 vs. UBNK: 2.60 )
UBNK' s 10-Year Dividend Yield Range
Min: 0.4   Max: 2.66
Current: 2.6
0.4
2.66
Dividend Payout 1.1919
UBNK's Dividend Payout is ranked lower than
98% of the 537 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.40 vs. UBNK: 1.1919 )
UBNK' s 10-Year Dividend Payout Range
Min: 0.46   Max: 1.62
Current: 1.19
0.46
1.62
Dividend growth (3y) 7.9
UBNK's Dividend growth (3y) is ranked higher than
58% of the 177 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. UBNK: 7.9 )
UBNK' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 8.8
Current: 7.9
0
8.8
Yield on cost (5-Year) 4.04
UBNK's Yield on cost (5-Year) is ranked higher than
77% of the 639 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.93 vs. UBNK: 4.04 )
UBNK' s 10-Year Yield on cost (5-Year) Range
Min: 0.62   Max: 4.13
Current: 4.04
0.62
4.13
Share Buyback Rate -0.2
UBNK's Share Buyback Rate is ranked lower than
952380% of the 105 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. UBNK: -0.2 )
UBNK' s 10-Year Share Buyback Rate Range
Min: 2.3   Max: -541.2
Current: -0.2

Valuation & Return

vs
industry		 vs
history
Price/Tangible Book 1.2
UBNK's Price/Tangible Book is ranked lower than
61% of the 798 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. UBNK: 1.2 )
UBNK' s 10-Year Price/Tangible Book Range
Min: 0.8   Max: 1.7
Current: 1.2
0.8
1.7
Price/DCF (Projected) 0.8
UBNK's Price/DCF (Projected) is ranked lower than
81% of the 503 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. UBNK: 0.8 )
UBNK' s 10-Year Price/DCF (Projected) Range
Min: 0.7   Max: 1
Current: 0.8
0.7
1
Price/Median PS Value 0.8
UBNK's Price/Median PS Value is ranked higher than
66% of the 854 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. UBNK: 0.8 )
UBNK' s 10-Year Price/Median PS Value Range
Min: 0.9   Max: 1.6
Current: 0.8
0.9
1.6
Price/Peter Lynch Fair Value 7.3
UBNK's Price/Peter Lynch Fair Value is ranked lower than
100% of the 175 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. UBNK: 7.3 )
UBNK' s 10-Year Price/Peter Lynch Fair Value Range
Min: 1.1   Max: 5.4
Current: 7.3
1.1
5.4
Price/Graham Number 1.7
UBNK's Price/Graham Number is ranked lower than
95% of the 763 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. UBNK: 1.7 )
UBNK' s 10-Year Price/Graham Number Range
Min: 1   Max: 1.8
Current: 1.7
1
1.8
Earnings Yield (Greenblatt) 2.00
UBNK's Earnings Yield (Greenblatt) is ranked lower than
87% of the 745 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. UBNK: 2.00 )
UBNK' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.4   Max: 5
Current: 2
1.4
5
Forward Rate of Return (Yacktman) 10.91
UBNK's Forward Rate of Return (Yacktman) is ranked lower than
65% of the 487 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.14 vs. UBNK: 10.91 )
UBNK' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -15.7   Max: 35.1
Current: 10.91
-15.7
35.1

Business Description

United Financial Bancorp, Inc. is a Maryland corporation incorporated in 2007, is the holding company for United Bank. It operates as a holding company for United Bank. United Bank's main business consists of attracting retail deposits from the general public in the areas surrounding West Springfield, Massachusetts. The company 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 22 full service branch offices, a loan production office, two financial services facilities, and two drive-up branches. Of the 22 full service branch offices, seven are owned and 15 are leased, one of the financial services facilities is owned and one is leased, and one of the drive-up branches is owned and one is leased. The Company also has two remote ATM locations, one of which is leased. Lease expiration dates range from 2012 to 2034 with renewal options ranging from five to ten years. The company'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 company 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.
Company Website
SEC Reports
Industry: Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR
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