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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 0.10
UBNK's Cash to Debt is ranked lower than
93% of the 984 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.36 vs. UBNK: 0.10 )
Ranked among companies with meaningful Cash to Debt only.
UBNK' s 10-Year Cash to Debt Range
Min: 0.05  Med: 0.14 Max: N/A
Current: 0.1
Equity to Asset 0.11
UBNK's Equity to Asset is ranked higher than
60% of the 1355 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. UBNK: 0.11 )
Ranked among companies with meaningful Equity to Asset only.
UBNK' s 10-Year Equity to Asset Range
Min: 0.07  Med: 0.13 Max: 0.19
Current: 0.11
0.07
0.19
Interest Coverage 0.03
UBNK's Interest Coverage is ranked lower than
100% of the 1272 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.60 vs. UBNK: 0.03 )
Ranked among companies with meaningful Interest Coverage only.
UBNK' s 10-Year Interest Coverage Range
Min: 0.03  Med: 0.49 Max: 2.05
Current: 0.03
0.03
2.05
F-Score: 4
WACC vs ROIC
13.20%
3.10%
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 (%) 18.81
UBNK's Operating margin (%) is ranked lower than
75% of the 1425 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.25 vs. UBNK: 18.81 )
Ranked among companies with meaningful Operating margin (%) only.
UBNK' s 10-Year Operating margin (%) Range
Min: -331.76  Med: 19.08 Max: 30.16
Current: 18.81
-331.76
30.16
Net-margin (%) 19.92
UBNK's Net-margin (%) is ranked lower than
57% of the 1425 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.01 vs. UBNK: 19.92 )
Ranked among companies with meaningful Net-margin (%) only.
UBNK' s 10-Year Net-margin (%) Range
Min: -3.27  Med: 17.60 Max: 147.49
Current: 19.92
-3.27
147.49
ROE (%) 6.04
UBNK's ROE (%) is ranked lower than
68% of the 1427 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.44 vs. UBNK: 6.04 )
Ranked among companies with meaningful ROE (%) only.
UBNK' s 10-Year ROE (%) Range
Min: -1.05  Med: 4.83 Max: 10.77
Current: 6.04
-1.05
10.77
ROA (%) 0.70
UBNK's ROA (%) is ranked lower than
61% of the 1436 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.87 vs. UBNK: 0.70 )
Ranked among companies with meaningful ROA (%) only.
UBNK' s 10-Year ROA (%) Range
Min: -0.11  Med: 0.63 Max: 0.89
Current: 0.7
-0.11
0.89
Revenue Growth (3Y)(%) 12.00
UBNK's Revenue Growth (3Y)(%) is ranked higher than
80% of the 1215 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 10-Year Revenue Growth (3Y)(%) Range
Min: 0  Med: -1.30 Max: 40.4
Current: 12
0
40.4
EBITDA Growth (3Y)(%) -24.60
UBNK's EBITDA Growth (3Y)(%) is ranked lower than
92% of the 1072 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.60 vs. UBNK: -24.60 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
UBNK' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: -24.60 Max: 13.6
Current: -24.6
0
13.6
EPS Growth (3Y)(%) -13.80
UBNK's EPS Growth (3Y)(%) is ranked lower than
87% of the 1070 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.60 vs. UBNK: -13.80 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
UBNK' s 10-Year EPS Growth (3Y)(%) Range
Min: 0  Med: -13.80 Max: 17
Current: -13.8
0
17
» UBNK's 10-Y Financials

Financials


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

» Details

Guru Trades

Q3 2014

UBNK Guru Trades in Q3 2014

Charles Brandes 23,147 sh (+113.18%)
John Keeley 2,541,342 sh (+28.52%)
Jim Simons 741,912 sh (+3.51%)
» More
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
» 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) 16.46
UBNK's P/E(ttm) is ranked lower than
69% of the 1293 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.10 vs. UBNK: 16.46 )
Ranked among companies with meaningful P/E(ttm) only.
UBNK' s 10-Year P/E(ttm) Range
Min: 16.46  Med: 35.78 Max: 1008.57
Current: 16.46
16.46
1008.57
Forward P/E 12.00
UBNK's Forward P/E is ranked lower than
54% of the 714 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.85 vs. UBNK: 12.00 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 16.70
UBNK's PE(NRI) is ranked lower than
69% of the 1291 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.20 vs. UBNK: 16.70 )
Ranked among companies with meaningful PE(NRI) only.
UBNK' s 10-Year PE(NRI) Range
Min: 16.68  Med: 35.59 Max: 1412
Current: 16.7
16.68
1412
P/B 1.01
UBNK's P/B is ranked higher than
55% of the 1370 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.06 vs. UBNK: 1.01 )
Ranked among companies with meaningful P/B only.
UBNK' s 10-Year P/B Range
Min: 0.81  Med: 1.35 Max: 7.57
Current: 1.01
0.81
7.57
P/S 3.29
UBNK's P/S is ranked lower than
61% of the 1409 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.86 vs. UBNK: 3.29 )
Ranked among companies with meaningful P/S only.
UBNK' s 10-Year P/S Range
Min: 3.29  Med: 4.79 Max: 14.61
Current: 3.29
3.29
14.61
PFCF 47.46
UBNK's PFCF is ranked lower than
93% of the 863 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.51 vs. UBNK: 47.46 )
Ranked among companies with meaningful PFCF only.
UBNK' s 10-Year PFCF Range
Min: 10.7  Med: 22.63 Max: 52.96
Current: 47.46
10.7
52.96
POCF 25.19
UBNK's POCF is ranked lower than
89% of the 956 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.00 vs. UBNK: 25.19 )
Ranked among companies with meaningful POCF only.
UBNK' s 10-Year POCF Range
Min: 8.3  Med: 18.82 Max: 1534
Current: 25.19
8.3
1534
EV-to-EBIT 37.86
UBNK's EV-to-EBIT is ranked lower than
88% of the 1284 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.41 vs. UBNK: 37.86 )
Ranked among companies with meaningful EV-to-EBIT only.
UBNK' s 10-Year EV-to-EBIT Range
Min: -564.2  Med: 34.70 Max: 2590.3
Current: 37.86
-564.2
2590.3
Shiller P/E 26.02
UBNK's Shiller P/E is ranked lower than
81% of the 786 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.81 vs. UBNK: 26.02 )
Ranked among companies with meaningful Shiller P/E only.
UBNK' s 10-Year Shiller P/E Range
Min: 26.02  Med: 34.85 Max: 53.57
Current: 26.02
26.02
53.57
Days Sales Outstanding 28.45
UBNK's Days Sales Outstanding is ranked higher than
59% of the 795 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 34.20 vs. UBNK: 28.45 )
Ranked among companies with meaningful Days Sales Outstanding only.
UBNK' s 10-Year Days Sales Outstanding Range
Min: 21.72  Med: 34.14 Max: 39.89
Current: 28.45
21.72
39.89

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.58
UBNK's Dividend Yield is ranked higher than
64% of the 2258 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.76 vs. UBNK: 3.58 )
Ranked among companies with meaningful Dividend Yield only.
UBNK' s 10-Year Dividend Yield Range
Min: 0.25  Med: 2.32 Max: 3.58
Current: 3.58
0.25
3.58
Dividend Payout 0.57
UBNK's Dividend Payout is ranked lower than
79% of the 1330 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.33 vs. UBNK: 0.57 )
Ranked among companies with meaningful Dividend Payout only.
UBNK' s 10-Year Dividend Payout Range
Min: 0.33  Med: 0.54 Max: 3.57
Current: 0.57
0.33
3.57
Dividend growth (3y) 14.00
UBNK's Dividend growth (3y) is ranked higher than
67% of the 674 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.40 vs. UBNK: 14.00 )
Ranked among companies with meaningful Dividend growth (3y) only.
UBNK' s 10-Year Dividend growth (3y) Range
Min: 0  Med: 10.50 Max: 35.7
Current: 14
0
35.7
Yield on cost (5-Year) 7.55
UBNK's Yield on cost (5-Year) is ranked higher than
83% of the 2253 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.23 vs. UBNK: 7.55 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
UBNK' s 10-Year Yield on cost (5-Year) Range
Min: 0.53  Med: 4.89 Max: 7.55
Current: 7.55
0.53
7.55
Share Buyback Rate -14.70
UBNK's Share Buyback Rate is ranked lower than
83% of the 1013 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.90 vs. UBNK: -14.70 )
Ranked among companies with meaningful Share Buyback Rate only.
UBNK' s 10-Year Share Buyback Rate Range
Min: 0  Med: 21.50 Max: -15.9
Current: -14.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.25
UBNK's Price/Tangible Book is ranked lower than
58% of the 1347 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.13 vs. UBNK: 1.25 )
Ranked among companies with meaningful Price/Tangible Book only.
UBNK' s 10-Year Price/Tangible Book Range
Min: 0.84  Med: 1.39 Max: 6.74
Current: 1.25
0.84
6.74
Price/Projected FCF 0.98
UBNK's Price/Projected FCF is ranked lower than
78% of the 805 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.65 vs. UBNK: 0.98 )
Ranked among companies with meaningful Price/Projected FCF only.
UBNK' s 10-Year Price/Projected FCF Range
Min: 0.71  Med: 0.88 Max: 2.93
Current: 0.98
0.71
2.93
Price/Median PS Value 0.69
UBNK's Price/Median PS Value is ranked higher than
88% of the 1310 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.04 vs. UBNK: 0.69 )
Ranked among companies with meaningful Price/Median PS Value only.
UBNK' s 10-Year Price/Median PS Value Range
Min: 0.69  Med: 0.98 Max: 2.45
Current: 0.69
0.69
2.45
Price/Graham Number 0.95
UBNK's Price/Graham Number is ranked lower than
64% of the 1181 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.82 vs. UBNK: 0.95 )
Ranked among companies with meaningful Price/Graham Number only.
UBNK' s 10-Year Price/Graham Number Range
Min: 1.01  Med: 1.35 Max: 6.05
Current: 0.95
1.01
6.05
Earnings Yield (Greenblatt) (%) 2.59
UBNK's Earnings Yield (Greenblatt) (%) is ranked lower than
79% of the 1408 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.80 vs. UBNK: 2.59 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
UBNK' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.1  Med: 2.70 Max: 5.6
Current: 2.59
0.1
5.6
Forward Rate of Return (Yacktman) (%) -0.47
UBNK's Forward Rate of Return (Yacktman) (%) is ranked lower than
77% of the 792 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.82 vs. UBNK: -0.47 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
UBNK' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -3.4  Med: 5.00 Max: 54.2
Current: -0.47
-3.4
54.2

Analyst Estimate

Dec15 Dec16
EPS($) 0.91 1.03
EPS without NRI($) 0.91 1.03

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 

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