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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 0.07
UBNK's Cash-to-Debt is ranked lower than
96% of the 1613 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.09 vs. UBNK: 0.07 )
Ranked among companies with meaningful Cash-to-Debt only.
UBNK' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.05  Med: 0.13 Max: N/A
Current: 0.07
Equity-to-Asset 0.10
UBNK's Equity-to-Asset is ranked higher than
50% of the 1580 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. UBNK: 0.10 )
Ranked among companies with meaningful Equity-to-Asset only.
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 1.48
UBNK's Interest Coverage is ranked lower than
58% of the 1539 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.74 vs. UBNK: 1.48 )
Ranked among companies with meaningful Interest Coverage only.
UBNK' s Interest Coverage Range Over the Past 10 Years
Min: 0.03  Med: 0.86 Max: 2.05
Current: 1.48
0.03
2.05
Beneish M-Score: -2.39
WACC vs ROIC
5.01%
3.43%
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 % 30.58
UBNK's Operating Margin % is ranked lower than
62% of the 1618 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 31.66 vs. UBNK: 30.58 )
Ranked among companies with meaningful Operating Margin % only.
UBNK' s Operating Margin % Range Over the Past 10 Years
Min: -7.57  Med: 27.09 Max: 30.16
Current: 30.58
-7.57
30.16
Net Margin % 27.71
UBNK's Net Margin % is ranked higher than
58% of the 1619 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.82 vs. UBNK: 27.71 )
Ranked among companies with meaningful Net Margin % only.
UBNK' s Net Margin % Range Over the Past 10 Years
Min: -4.72  Med: 18.66 Max: 25.19
Current: 27.71
-4.72
25.19
ROE % 8.88
UBNK's ROE % is ranked lower than
56% of the 1619 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.56 vs. UBNK: 8.88 )
Ranked among companies with meaningful ROE % only.
UBNK' s ROE % Range Over the Past 10 Years
Min: -1.05  Med: 5.09 Max: 8.09
Current: 8.88
-1.05
8.09
ROA % 0.88
UBNK's ROA % is ranked lower than
57% of the 1624 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.91 vs. UBNK: 0.88 )
Ranked among companies with meaningful ROA % only.
UBNK' s ROA % Range Over the Past 10 Years
Min: -0.11  Med: 0.66 Max: 0.85
Current: 0.88
-0.11
0.85
3-Year Revenue Growth Rate 8.10
UBNK's 3-Year Revenue Growth Rate is ranked higher than
69% of the 1364 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 4.20 vs. UBNK: 8.10 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
UBNK' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: 0  Med: -1.4 Max: 15.3
Current: 8.1
0
15.3
3-Year EBITDA Growth Rate 11.80
UBNK's 3-Year EBITDA Growth Rate is ranked higher than
66% of the 1281 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.90 vs. UBNK: 11.80 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
UBNK' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: 0  Med: -2.1 Max: 13.5
Current: 11.8
0
13.5
3-Year EPS without NRI Growth Rate 22.40
UBNK's 3-Year EPS without NRI Growth Rate is ranked higher than
82% of the 1241 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.60 vs. UBNK: 22.40 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
UBNK' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: 0  Med: 0 Max: 22.4
Current: 22.4
0
22.4
GuruFocus has detected 8 Warning Signs with United Financial Bancorp Inc $UBNK.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» UBNK's 30-Y Financials

Financials (Next Earnings Date: 2017-07-19)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

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
Q4 2016

UBNK Guru Trades in Q4 2016

Jim Simons 1,297,239 sh (+7.79%)
David Dreman 182 sh (unchged)
Charles Brandes Sold Out
» More
Q1 2017

UBNK Guru Trades in Q1 2017

Jim Simons 1,432,612 sh (+10.44%)
David Dreman Sold Out
» 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    NAICS: 522120    SIC: 6036
Compare:NAS:OCFC, NAS:CASH, NAS:LOB, NAS:EBSB, NAS:FFIC, NAS:HMST, NAS:DCOM, NAS:HONE, NAS:WSBF, NAS:FDEF, NAS:KRNY, NAS:UCFC, NAS:BKMU, NAS:EBTC, NAS:HIFS, NAS:CSBK, NAS:BSF, NAS:HBCP, NAS:TBNK, OTCPK:NASB » details
Headquarter Location:USA
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 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
PE Ratio 15.67
UBNK's PE Ratio is ranked lower than
58% of the 1505 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.59 vs. UBNK: 15.67 )
Ranked among companies with meaningful PE Ratio only.
UBNK' s PE Ratio Range Over the Past 10 Years
Min: 11.25  Med: 31.71 Max: 1412
Current: 15.67
11.25
1412
Forward PE Ratio 16.98
UBNK's Forward PE Ratio is ranked higher than
55% of the 382 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 16.05 vs. UBNK: 16.98 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 15.67
UBNK's PE Ratio without NRI is ranked lower than
58% of the 1504 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.62 vs. UBNK: 15.67 )
Ranked among companies with meaningful PE Ratio without NRI only.
UBNK' s PE Ratio without NRI Range Over the Past 10 Years
Min: 11.25  Med: 31.71 Max: 1412
Current: 15.67
11.25
1412
Price-to-Owner-Earnings 18.11
UBNK's Price-to-Owner-Earnings is ranked lower than
60% of the 881 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.23 vs. UBNK: 18.11 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
UBNK' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 11.68  Med: 32.87 Max: 2165
Current: 18.11
11.68
2165
PB Ratio 1.36
UBNK's PB Ratio is ranked lower than
54% of the 1581 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.20 vs. UBNK: 1.36 )
Ranked among companies with meaningful PB Ratio only.
UBNK' s PB Ratio Range Over the Past 10 Years
Min: 0.8  Med: 1.21 Max: 7.57
Current: 1.36
0.8
7.57
PS Ratio 4.50
UBNK's PS Ratio is ranked lower than
63% of the 1567 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.43 vs. UBNK: 4.50 )
Ranked among companies with meaningful PS Ratio only.
UBNK' s PS Ratio Range Over the Past 10 Years
Min: 2.79  Med: 4.36 Max: 8.35
Current: 4.5
2.79
8.35
EV-to-EBIT 31.18
UBNK's EV-to-EBIT is ranked lower than
87% of the 1241 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.20 vs. UBNK: 31.18 )
Ranked among companies with meaningful EV-to-EBIT only.
UBNK' s EV-to-EBIT Range Over the Past 10 Years
Min: -564.2  Med: 34.7 Max: 2590.3
Current: 31.18
-564.2
2590.3
EV-to-EBITDA 28.96
UBNK's EV-to-EBITDA is ranked lower than
88% of the 1244 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.98 vs. UBNK: 28.96 )
Ranked among companies with meaningful EV-to-EBITDA only.
UBNK' s EV-to-EBITDA Range Over the Past 10 Years
Min: -543.8  Med: 31.7 Max: 3537.5
Current: 28.96
-543.8
3537.5
PEG Ratio 1.25
UBNK's PEG Ratio is ranked higher than
58% of the 821 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.45 vs. UBNK: 1.25 )
Ranked among companies with meaningful PEG Ratio only.
UBNK' s PEG Ratio Range Over the Past 10 Years
Min: 0.49  Med: 2.11 Max: 8.62
Current: 1.25
0.49
8.62
Shiller PE Ratio 35.07
UBNK's Shiller PE Ratio is ranked lower than
79% of the 501 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 20.54 vs. UBNK: 35.07 )
Ranked among companies with meaningful Shiller PE Ratio only.
UBNK' s Shiller PE Ratio Range Over the Past 10 Years
Min: 25.91  Med: 35.03 Max: 42.06
Current: 35.07
25.91
42.06

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 2.64
UBNK's Dividend Yield % is ranked higher than
55% of the 2354 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.88 vs. UBNK: 2.64 )
Ranked among companies with meaningful Dividend Yield % only.
UBNK' s Dividend Yield % Range Over the Past 10 Years
Min: 0.25  Med: 2.59 Max: 4.13
Current: 2.64
0.25
4.13
Dividend Payout Ratio 0.47
UBNK's Dividend Payout Ratio is ranked lower than
72% of the 1340 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.32 vs. UBNK: 0.47 )
Ranked among companies with meaningful Dividend Payout Ratio only.
UBNK' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.36  Med: 0.57 Max: 2.5
Current: 0.47
0.36
2.5
3-Year Dividend Growth Rate 6.30
UBNK's 3-Year Dividend Growth Rate is ranked lower than
52% of the 794 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.70 vs. UBNK: 6.30 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
UBNK' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: 8.5 Max: 35.7
Current: 6.3
0
35.7
Forward Dividend Yield % 2.64
UBNK's Forward Dividend Yield % is ranked higher than
51% of the 2231 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.85 vs. UBNK: 2.64 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 4.45
UBNK's 5-Year Yield-on-Cost % is ranked higher than
69% of the 2778 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.98 vs. UBNK: 4.45 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
UBNK' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.42  Med: 4.34 Max: 6.93
Current: 4.45
0.42
6.93
3-Year Average Share Buyback Ratio -25.10
UBNK's 3-Year Average Share Buyback Ratio is ranked lower than
92% of the 1065 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.80 vs. UBNK: -25.10 )
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: -25.1  Med: -0.2 Max: 0
Current: -25.1
-25.1
0

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.65
UBNK's Price-to-Tangible-Book is ranked lower than
63% of the 1573 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.29 vs. UBNK: 1.65 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
UBNK' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.84  Med: 1.38 Max: 6.73
Current: 1.65
0.84
6.73
Price-to-Intrinsic-Value-Projected-FCF 1.43
UBNK's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
83% of the 896 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.79 vs. UBNK: 1.43 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
UBNK' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.72  Med: 0.93 Max: 1.41
Current: 1.43
0.72
1.41
Price-to-Median-PS-Value 1.04
UBNK's Price-to-Median-PS-Value is ranked higher than
74% of the 1527 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.13 vs. UBNK: 1.04 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
UBNK' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.72  Med: 1.02 Max: 2.7
Current: 1.04
0.72
2.7
Price-to-Peter-Lynch-Fair-Value 2.42
UBNK's Price-to-Peter-Lynch-Fair-Value is ranked lower than
78% of the 451 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.15 vs. UBNK: 2.42 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
UBNK' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 1.01  Med: 1.8 Max: 31.29
Current: 2.42
1.01
31.29
Price-to-Graham-Number 1.15
UBNK's Price-to-Graham-Number is ranked lower than
58% of the 1414 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.95 vs. UBNK: 1.15 )
Ranked among companies with meaningful Price-to-Graham-Number only.
UBNK' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.84  Med: 1.38 Max: 8.36
Current: 1.15
0.84
8.36
Earnings Yield (Greenblatt) % 3.21
UBNK's Earnings Yield (Greenblatt) % is ranked lower than
67% of the 1625 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.91 vs. UBNK: 3.21 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
UBNK' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -0.5  Med: 2.8 Max: 5.6
Current: 3.21
-0.5
5.6
Forward Rate of Return (Yacktman) % 8.54
UBNK's Forward Rate of Return (Yacktman) % is ranked lower than
58% of the 934 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.21 vs. UBNK: 8.54 )
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: -7  Med: 5.2 Max: 54.2
Current: 8.54
-7
54.2

More Statistics

Revenue (TTM) (Mil) $211.63
EPS (TTM) $ 1.16
Beta0.81
Short Percentage of Float1.03%
52-Week Range $13.01 - 18.66
Shares Outstanding (Mil)50.76

Analyst Estimate

Dec17 Dec18
Revenue (Mil $)
EPS ($) 1.07 1.20
EPS without NRI ($) 1.07 1.20
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($)
» More Articles for UBNK

Headlines

Articles On GuruFocus.com
United Bank to Open a Bank Branch in Downtown Hartford May 08 2017 
United Financial Bancorp, Inc. (UBNK) Announces Dates for Q1 2017 Earnings Release and Conference Ca Apr 05 2017 
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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