United Financial Bancorp (United Financial Bancorp) Debt-to-Equity

: 1.10 (As of Jun. 2019)

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United Financial Bancorp's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2019 was $0.0 Mil. United Financial Bancorp's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2019 was $792.0 Mil. United Financial Bancorp's Total Stockholders Equity for the quarter that ended in Jun. 2019 was $720.0 Mil. United Financial Bancorp's debt to equity for the quarter that ended in Jun. 2019 was 1.10.

A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.

The historical rank and industry rank for United Financial Bancorp's Debt-to-Equity or its related term are showing as below:

RCKB' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.2 Med: 1.3 Max: 2.33
Current: 1.1

During the past 13 years, the highest Debt-to-Equity Ratio of United Financial Bancorp was 2.33. The lowest was 0.20. And the median was 1.30.

RCKB's Debt-to-Equity is not ranked
in the Banks industry.
Industry Median: 0.7 vs RCKB: 1.10

United Financial Bancorp Debt-to-Equity Historical Data

The historical data trend for United Financial Bancorp's Debt-to-Equity can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

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United Financial Bancorp Annual Data

Trend

Dec09

Dec10

Dec11

Dec12

Dec13

Dec14

Dec15

Dec16

Dec17

Dec18

Debt-to-Equity

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1.29

1.76

1.78

1.68

1.26

United Financial Bancorp Quarterly Data
	Dec14	Mar15	Jun15	Sep15	Dec15	Mar16	Jun16	Sep16	Dec16	Mar17	Jun17	Sep17	Dec17	Mar18	Jun18	Sep18	Dec18	Mar19	Jun19	Sep19
Debt-to-Equity	Get a 7-Day Free Trial															1.26	1.26	1.21	1.10	0.96

Competitive Comparison

For the Banks - Regional subindustry, United Financial Bancorp's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

United Financial Bancorp Debt-to-Equity Distribution

For the Banks industry and Financial Services sector, United Financial Bancorp's Debt-to-Equity distribution charts can be found below:

* The bar in red indicates where United Financial Bancorp's Debt-to-Equity falls into.

United Financial Bancorp Debt-to-Equity Calculation

Debt to Equity measures the financial leverage a company has.

United Financial Bancorp's Debt to Equity Ratio for the fiscal year that ended in Dec. 2018 is calculated as

Debt to Equity	=	Total Debt			/	Total Stockholders Equity
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	Total Stockholders Equity
	=	(0	+	899.626)	/	712.518
	=	1.26

United Financial Bancorp's Debt to Equity Ratio for the quarter that ended in Jun. 2019 is calculated as

Debt to Equity	=	Total Debt			/	Total Stockholders Equity
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	Total Stockholders Equity
	=	(0	+	792.001)	/	720.022
	=	1.10

United Financial Bancorp (NAS:RCKB) Debt-to-Equity Explanation

In the calculation of Debt to Equity, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by Total Stockholders Equity. In some calculations, Total Liabilities is used to for calculation.

Be Aware

Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.

United Financial Bancorp Debt-to-Equity Related Terms

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United Financial Bancorp (United Financial Bancorp) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » United Financial Bancorp Inc (NAS:RCKB) » Definitions » Debt-to-Equity

Comparable Companies

Traded in Other Exchanges

N/A

Address

225 Asylum Street, Hartford, CT, USA, 06033

Website

https://www.bankatunited.com

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.