NASDAQ /
Sector: Financial Services
/
Sub-Sector: Savings & Cooperative Banks
/
Stock Type: Cyclical
# of Employee: 732
/
Fiscal Year End: 2016-12-31
/
Stock Type: Small Core
USD
/
Exchange Rate: 1
at
2016-11-22
/
Estimation: $Confidential
/
/ $
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.
NYCB |
PBCT |
ISBC |
WAFD |
CFFN |
NWBI |
PFS |
AF |
BOFI |
FBC |
KRNY |
BHLB |
EBSB |
CASH |
FFIC |
HMST |
DCOM |
HONE |
OCFC |
LOB |
WSBF |
FDEF |
BKMU |
MSBF |
Finance Highlights
| ReportDate | PeriodType | ROE | FCFMargin | FCFPerShar | EquityPerS | ProfitMarg | Continuous | NetMargin | DebtEquity | CurrentRat |
|---|
| 2006-12-25 | Annual | 9.10% | 20.70% | 0.8 | 8.2 | 17.40% | 10.00% | 10.00% | 0.144 | .861 |
| 2007-12-25 | Annual | 10.20% | 20.20% | 0.9 | 8.3 | 16.60% | 10.50% | 10.50% | 0.134 | .852 |
| 2008-12-25 | Annual | 13.30% | 23.20% | 1.0 | 7.9 | -0.20% | -1.90% | -1.90% | 0.105 | .807 |
| 2009-12-25 | Annual | 7.30% | 13.80% | 0.6 | 8.5 | 20.00% | 11.70% | 11.70% | 0.111 | .830 |
| 2010-12-25 | Annual | 17.40% | 34.00% | 1.6 | 9.0 | 27.10% | 14.40% | 14.40% | 0.110 | .864 |
| 2011-12-25 | Annual | 5.50% | 20.40% | 0.6 | 11.6 | 15.30% | 7.90% | 7.90% | 0.235 | .910 |
| 2012-12-25 | Annual | 8.40% | 29.20% | 1.0 | 11.4 | 28.10% | 17.00% | 17.00% | 0.191 | .945 |
| 2013-12-25 | Annual | 10.30% | 32.60% | 1.2 | 11.3 | 22.90% | 15.00% | 15.00% | 0.150 | 1.022 |
| 2014-12-25 | Annual | 0.40% | 1.50% | 0.1 | 13.9 | 5.80% | 3.90% | 3.90% | 0.124 | 1.039 |
| 2015-12-25 | Annual | 8.60% | 23.60% | 1.1 | 12.7 | 30.10% | 21.70% | 21.70% | 0.112 | .965 |
| 2016-12-25 | Annual | 0.40% | 1.00% | 0.0 | 13.1 | 27.70% | 20.50% | 20.50% | 0.110 | .955 |
| 2017-12-25 | Annual | 5.10% | 13.10% | 0.7 | 13.6 | 28.20% | 20.30% | 20.30% | 0.108 | .959 |
| 2018-12-25 | Annual | 16.20% | 38.10% | 2.3 | 14.0 | 24.00% | 19.80% | 19.80% | .107 | .995 |
Key Ratio Trend
| ReportDate | PeriodType | ROE | FCFMargin | FCFPerShar | EquityPerS | ProfitMarg | Continuous | NetMargin | DebtEquity | CurrentRat |
|---|
| Average | Annual | 22.62% | 11.64% | 21.04% | 2.59% | -7.97% | -2.46% | -2.46% | -6.94% | 1.66% |
| 2007-12-25 | Annual | 12.09% | -2.42% | 13.56% | 1.31% | -4.60% | 5.00% | 5.00% | -6.94% | -1.05% |
| 2008-12-25 | Annual | 30.39% | 14.85% | 22.83% | -5.13% | -101.20% | -118.10% | -118.10% | -21.64% | -5.28% |
| 2009-12-25 | Annual | -45.11% | -40.52% | -40.71% | 7.72% | 10,100.00% | 715.79% | 715.79% | 5.71% | 2.85% |
| 2010-12-25 | Annual | 138.36% | 146.38% | 150.64% | 5.27% | 35.50% | 23.08% | 23.08% | -0.90% | 4.10% |
| 2011-12-25 | Annual | -68.39% | -40.00% | -58.88% | 29.55% | -43.54% | -45.14% | -45.14% | 113.64% | 5.32% |
| 2012-12-25 | Annual | 52.73% | 43.14% | 50.55% | -1.57% | 83.66% | 115.19% | 115.19% | -18.72% | 3.85% |
| 2013-12-25 | Annual | 22.62% | 11.64% | 21.04% | -0.97% | -18.51% | -11.76% | -11.76% | -21.47% | 8.15% |
| 2014-12-25 | Annual | -96.12% | -95.40% | -94.78% | 22.89% | -74.67% | -74.00% | -74.00% | -17.33% | 1.66% |
| 2015-12-25 | Annual | 2,050.00% | 1,473.33% | 1,691.80% | -9.02% | 418.97% | 456.41% | 456.41% | -9.68% | -7.12% |
| 2016-12-25 | Annual | -95.35% | -95.76% | -95.52% | 3.38% | -7.97% | -5.53% | -5.53% | -1.79% | -1.04% |
| 2017-12-25 | Annual | 1,175.00% | 1,210.00% | 1,312.24% | 3.98% | 1.81% | -0.98% | -0.98% | -1.82% | 0.42% |
| 2018-12-25 | Annual | 217.65% | 190.84% | 227.31% | 2.59% | -14.89% | -2.46% | -2.46% | -0.93% | 3.75% |
| ReportDate | PeriodType | Revenue | Cost | InterestEx | Continuous | NetIncome | DilutedSha | ProfitMarg | Continuous | NetMargin |
|---|
| 2006-12-25 | Annual | 68,577k | 56,674k | 27,649k | 6,854k | 6,854k | 18,839,312 | 17.40% | 10.00% | 10.00% |
| 2007-12-25 | Annual | 79,304k | 66,111k | 35,577k | 8,328k | 8,328k | 18,750,935 | 16.60% | 10.50% | 10.50% |
| 2008-12-25 | Annual | 83,439k | 83,589k | 34,946k | -1,587k | -1,587k | 18,428,158 | -0.20% | -1.90% | -1.90% |
| 2009-12-25 | Annual | 83,034k | 66,406k | 29,775k | 9,732k | 9,732k | 18,473,665 | 20.00% | 11.70% | 11.70% |
| 2010-12-25 | Annual | 85,103k | 62,011k | 22,161k | 12,251k | 12,251k | 18,551,398 | 27.10% | 14.40% | 14.40% |
| 2011-12-25 | Annual | 90,339k | 76,487k | 17,471k | 7,092k | 7,092k | 28,693,295 | 15.30% | 7.90% | 7.90% |
| 2012-12-25 | Annual | 92,659k | 66,640k | 10,944k | 15,797k | 15,797k | 28,025,610 | 28.10% | 17.00% | 17.00% |
| 2013-12-25 | Annual | 94,568k | 72,926k | 10,460k | 14,227k | 14,227k | 26,426,220 | 22.90% | 15.00% | 15.00% |
| 2014-12-25 | Annual | 172,484k | 162,439k | 18,007k | 6,782k | 6,782k | 43,269,517 | 5.80% | 3.90% | 3.90% |
| 2015-12-25 | Annual | 228,832k | 159,958k | 31,763k | 49,640k | 49,640k | 49,385,566 | 30.10% | 21.70% | 21.70% |
| 2016-12-25 | Annual | 242,236k | 175,026k | 41,053k | 49,661k | 49,661k | 50,089,030 | 27.70% | 20.50% | 20.50% |
| 2017-12-25 | Annual | 269,654k | 193,597k | 52,012k | 54,618k | 54,618k | 50,922,652 | 28.20% | 20.30% | 20.30% |
| 2018-12-25 | Annual | 303,010k | 230,389k | 81,523k | 59,906k | 59,906k | 51,012,239 | 24.00% | 19.80% | 19.80% |
Income Statement Trend
| ReportDate | PeriodType | Revenue | Cost | InterestEx | Continuous | NetIncome | DilutedSha | ProfitMarg | Continuous | NetMargin |
|---|
| Average | Annual | 5.86% | 9.43% | -1.77% | 9.68% | 9.68% | 0.25% | -7.97% | -2.46% | -2.46% |
| 2007-12-25 | Annual | 15.64% | 16.65% | 28.67% | 21.51% | 21.51% | -0.47% | -4.60% | 5.00% | 5.00% |
| 2008-12-25 | Annual | 5.21% | 26.44% | -1.77% | -119.06% | -119.06% | -1.72% | -101.20% | -118.10% | -118.10% |
| 2009-12-25 | Annual | -0.49% | -20.56% | -14.80% | 713.23% | 713.23% | 0.25% | 10,100.00% | 715.79% | 715.79% |
| 2010-12-25 | Annual | 2.49% | -6.62% | -25.57% | 25.88% | 25.88% | 0.42% | 35.50% | 23.08% | 23.08% |
| 2011-12-25 | Annual | 6.15% | 23.34% | -21.16% | -42.11% | -42.11% | 54.67% | -43.54% | -45.14% | -45.14% |
| 2012-12-25 | Annual | 2.57% | -12.87% | -37.36% | 122.74% | 122.74% | -2.33% | 83.66% | 115.19% | 115.19% |
| 2013-12-25 | Annual | 2.06% | 9.43% | -4.42% | -9.94% | -9.94% | -5.71% | -18.51% | -11.76% | -11.76% |
| 2014-12-25 | Annual | 82.39% | 122.74% | 72.15% | -52.33% | -52.33% | 63.74% | -74.67% | -74.00% | -74.00% |
| 2015-12-25 | Annual | 32.67% | -1.53% | 76.39% | 631.94% | 631.94% | 14.13% | 418.97% | 456.41% | 456.41% |
| 2016-12-25 | Annual | 5.86% | 9.42% | 29.25% | 0.04% | 0.04% | 1.42% | -7.97% | -5.53% | -5.53% |
| 2017-12-25 | Annual | 11.32% | 10.61% | 26.69% | 9.98% | 9.98% | 1.66% | 1.81% | -0.98% | -0.98% |
| 2018-12-25 | Annual | 12.37% | 19.00% | 56.74% | 9.68% | 9.68% | 0.18% | -14.89% | -2.46% | -2.46% |
| ReportDate | PeriodType | Equity | TotalAsset | TotalLiabi | CurrentAss | CurrentLia | NonCurrent | DebtEquity | CurrentRat |
|---|
| 2006-12-25 | Annual | 155,064k | 1,232,836k | 1,077,772k | 1,033,355k | 889,831k | 187,941k | 0.144 | .861 |
| 2007-12-25 | Annual | 156,373k | 1,327,012k | 1,170,639k | 1,116,327k | 951,038k | 219,601k | 0.134 | .852 |
| 2008-12-25 | Annual | 145,777k | 1,533,073k | 1,387,296k | 1,291,791k | 1,042,508k | 344,788k | 0.105 | .807 |
| 2009-12-25 | Annual | 157,428k | 1,571,134k | 1,413,706k | 1,361,019k | 1,129,108k | 284,598k | 0.111 | .830 |
| 2010-12-25 | Annual | 166,428k | 1,678,073k | 1,511,645k | 1,410,878k | 1,219,260k | 292,385k | 0.110 | .864 |
| 2011-12-25 | Annual | 333,471k | 1,749,872k | 1,416,401k | 1,457,398k | 1,326,766k | 89,635k | 0.235 | .910 |
| 2012-12-25 | Annual | 320,611k | 1,998,799k | 1,678,188k | 1,592,277k | 1,504,680k | 173,508k | 0.191 | .945 |
| 2013-12-25 | Annual | 299,382k | 2,301,615k | 2,002,233k | 1,697,434k | 1,735,205k | 267,028k | 0.150 | 1.022 |
| 2014-12-25 | Annual | 602,408k | 5,476,809k | 4,874,401k | 3,885,283k | 4,035,311k | 839,090k | 0.124 | 1.039 |
| 2015-12-25 | Annual | 625,521k | 6,228,541k | 5,603,020k | 4,597,198k | 4,437,071k | 1,165,949k | 0.112 | .965 |
| 2016-12-25 | Annual | 655,866k | 6,599,520k | 5,943,654k | 4,933,069k | 4,711,172k | 1,232,482k | 0.110 | .955 |
| 2017-12-25 | Annual | 693,328k | 7,114,159k | 6,420,831k | 5,421,751k | 5,198,221k | 1,222,610k | 0.108 | .959 |
| 2018-12-25 | Annual | 712,518k | 7,356,874k | 6,644,356k | 5,701,377k | 5,670,599k | 973,757k | .107 | .995 |
Balance Sheet Trend
| ReportDate | PeriodType | Equity | TotalAsset | TotalLiabi | CurrentAss | CurrentLia | NonCurrent | DebtEquity | CurrentRat |
|---|
| Average | Annual | 3.84% | 7.64% | 8.03% | 7.31% | 9.09% | 5.71% | -6.94% | 1.66% |
| 2007-12-25 | Annual | 0.84% | 7.64% | 8.62% | 8.03% | 6.88% | 16.85% | -6.94% | -1.05% |
| 2008-12-25 | Annual | -6.78% | 15.53% | 18.51% | 15.72% | 9.62% | 57.01% | -21.64% | -5.28% |
| 2009-12-25 | Annual | 7.99% | 2.48% | 1.90% | 5.36% | 8.31% | -17.46% | 5.71% | 2.85% |
| 2010-12-25 | Annual | 5.72% | 6.81% | 6.93% | 3.66% | 7.98% | 2.74% | -0.90% | 4.10% |
| 2011-12-25 | Annual | 100.37% | 4.28% | -6.30% | 3.30% | 8.82% | -69.34% | 113.64% | 5.32% |
| 2012-12-25 | Annual | -3.86% | 14.23% | 18.48% | 9.25% | 13.41% | 93.57% | -18.72% | 3.85% |
| 2013-12-25 | Annual | -6.62% | 15.15% | 19.31% | 6.60% | 15.32% | 53.90% | -21.47% | 8.15% |
| 2014-12-25 | Annual | 101.22% | 137.96% | 143.45% | 128.89% | 132.56% | 214.23% | -17.33% | 1.66% |
| 2015-12-25 | Annual | 3.84% | 13.73% | 14.95% | 18.32% | 9.96% | 38.95% | -9.68% | -7.12% |
| 2016-12-25 | Annual | 4.85% | 5.96% | 6.08% | 7.31% | 6.18% | 5.71% | -1.79% | -1.04% |
| 2017-12-25 | Annual | 5.71% | 7.80% | 8.03% | 9.91% | 10.34% | -0.80% | -1.82% | 0.42% |
| 2018-12-25 | Annual | 2.77% | 3.41% | 3.48% | 5.16% | 9.09% | -20.35% | -0.93% | 3.75% |
| ReportDate | PeriodType | OperatingC | CAPEX | FreeCashFl | Investment | FinancialF |
|---|
| 2006-12-25 | Annual | 11,543k | -2,623k | 14,166k | -180,374k | 167,601k |
| 2007-12-25 | Annual | 12,873k | -3,148k | 16,021k | -91,479k | 80,223k |
| 2008-12-25 | Annual | 15,780k | -3,558k | 19,338k | -230,187k | 205,310k |
| 2009-12-25 | Annual | 10,386k | -1,100k | 11,486k | -29,878k | 23,898k |
| 2010-12-25 | Annual | 28,460k | -461k | 28,921k | -69,998k | 82,939k |
| 2011-12-25 | Annual | 16,378k | -2,017k | 18,395k | -102,386k | 66,285k |
| 2012-12-25 | Annual | 21,084k | -5,963k | 27,047k | -246,953k | 220,199k |
| 2013-12-25 | Annual | 23,768k | -7,108k | 30,876k | -301,385k | 287,537k |
| 2014-12-25 | Annual | -9,766k | -12,392k | 2,626k | -595,740k | 647,223k |
| 2015-12-25 | Annual | 50,770k | -3,229k | 53,999k | -747,977k | 705,431k |
| 2016-12-25 | Annual | -313k | -2,779k | 2,466k | -332,492k | 328,573k |
| 2017-12-25 | Annual | 13,145k | -22,092k | 35,237k | -470,082k | 454,661k |
| 2018-12-25 | Annual | 108,190k | -7,359k | 115,549k | -275,524k | 176,630k |
Cash Flow Trend
| ReportDate | PeriodType | OperatingC | CAPEX | FreeCashFl | Investment | FinancialF |
|---|
| Average | Annual | 12.73% | -19.20% | 14.16% | -41.38% | 8.99% |
| 2007-12-25 | Annual | 11.52% | -20.02% | 13.09% | 49.28% | -52.13% |
| 2008-12-25 | Annual | 22.58% | -13.02% | 20.70% | -151.63% | 155.92% |
| 2009-12-25 | Annual | -34.18% | 69.08% | -40.60% | 87.02% | -88.36% |
| 2010-12-25 | Annual | 174.02% | 58.09% | 151.79% | -134.28% | 247.05% |
| 2011-12-25 | Annual | -42.45% | -337.53% | -36.40% | -46.27% | -20.08% |
| 2012-12-25 | Annual | 28.73% | -195.64% | 47.03% | -141.20% | 232.20% |
| 2013-12-25 | Annual | 12.73% | -19.20% | 14.16% | -22.04% | 30.58% |
| 2014-12-25 | Annual | -141.09% | -74.34% | -91.50% | -97.67% | 125.09% |
| 2015-12-25 | Annual | 619.86% | 73.94% | 1,956.32% | -25.55% | 8.99% |
| 2016-12-25 | Annual | -100.62% | 13.94% | -95.43% | 55.55% | -53.42% |
| 2017-12-25 | Annual | 4,299.68% | -694.96% | 1,328.91% | -41.38% | 38.37% |
| 2018-12-25 | Annual | 723.05% | 66.69% | 227.92% | 41.39% | -61.15% |
Finance Detail
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Note